{ "generated_at": "2026-11-06T03:08:10Z", "what_this_is": "Every current travel policy in this dataset compared with every other, clause by clause. Built to answer the questions the benefit tables cannot: what one policy excludes that another does not, and which of them sell a benefit back as an option.", "what_it_compares": "Wording, not meaning. See read_this_first.", "read_this_first": { "wording_not_meaning": "Two policies can exclude the same thing in different words, and this comparison will call that a difference. Every distinctive clause carries subject_found_elsewhere for exactly that reason: where another insurer's exclusions mention the same subject, the difference is in the drafting.", "the_set_compared": "Current policy documents only. A Target Market Determination is not a policy, and a superseded or forthcoming booklet is not the one in force, so none of them is compared.", "normalisation": "Amounts, numbers, insurer and brand names and the first and second person are replaced before two clauses are compared, so that the same clause carrying a different limit still matches. This is what makes the comparison possible and is also why a matched clause is not necessarily identical on the page.", "a_quote_is_from_one_document": "Where a clause appears in several policies, the quote is taken from one of them, named in read_from. The others carry the same clause with their own amounts.", "what_is_cited": "Each quote and clause carries its citation in the document it was read from: the url at its PDF page, the sha256 of the document's bytes and the day it was last confirmed there. A clause is cited in its read_from document only. A policy with no quote for a topic (not_mentioned) has no sentence to cite, and the counts, the roles and which clauses are unique to an insurer are drawn from every clause of every policy compared, which no handful of sentences shows: each rests on the quotes beside it and on the documents in `policies`, each with its content_sha256." }, "counts": { "policies_compared": 32, "retail_policies": 12, "card_programmes": 20, "clauses_read": 30096, "insurers": 7, "insurers_counts": "the insurers behind the retail policies and card programmes compared together, Lloyd's once; insurer-summary.json and policies.json count the retail brands' insurers alone", "topics": 13 }, "answered": { "snow_sports": { "question": "Do all these policies let you pay extra for snow sports?", "headline": "No. 12 of the 32 policies read sell snow sports cover as a paid option; the rest either exclude it, cover it without a surcharge, or do not mention it at all.", "counts": { "covered": 5, "excluded": 8, "mentioned": 3, "not_mentioned": 4, "optional_extra": 12 }, "what_to_do": "Snow sports is the clearest case in this dataset of a benefit that is excluded as standard and sold back. Never assume it: check the policy's own row below, and for a card programme check it twice, because a programme that sells no options at all cannot add it.", "per_policy": [ { "group": "cards", "slug": "amex-platinum", "role": "mentioned", "mentions": 3, "quote": "Some things You might consider doing whilst travelling might not be covered (for example, jet skiing, bungee jumping or hiring a scooter if You don’t have a motorcycle licence)", "citation": { "quote": "Some things You might consider doing whilst travelling might not be covered (for example, jet skiing, bungee jumping or hiring a scooter if You don’t have a motorcycle licence)", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=3", "page": 3, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "anz-platinum-black", "role": "not_mentioned", "mentions": 0, "quote": null, "citation": null }, { "group": "cards", "slug": "bank-of-melbourne-cards", "role": "not_mentioned", "mentions": 0, "quote": null, "citation": null }, { "group": "cards", "slug": "banksa-cards", "role": "not_mentioned", "mentions": 0, "quote": null, "citation": null }, { "group": "cards", "slug": "bankwest-cards", "role": "mentioned", "mentions": 2, "quote": "claims involving participation by you (during the journey) in off-piste snow skiing or snowboarding or heli-skiing/ snowboarding, or 33", "citation": { "quote": "claims involving participation by you (during the journey) in off-piste snow skiing or snowboarding or heli-skiing/ snowboarding, or 33", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=29", "page": 29, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bendigo-cards", "role": "covered", "mentions": 2, "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "citation": { "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=17", "page": 17, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "beyond-bank-cards", "role": "excluded", "mentions": 2, "quote": "Some things You might consider doing whilst travelling might be not covered (for example, jet skiing, bungee jumping or hiring a scooter if You don’t have a motorcycle licence)", "citation": { "quote": "Some things You might consider doing whilst travelling might be not covered (for example, jet skiing, bungee jumping or hiring a scooter if You don’t have a motorcycle licence)", "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=4", "page": 4, "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "cba-premium-cards", "role": "optional_extra", "mentions": 29, "quote": "Snow Skiing/Boarding Offpiste and Heli-skiing/Boarding Claims arising from your participation in the following activities during your journey are covered if the cardholder adds the Snow Pack to the Overseas Travel Policy and pays us an extra premium", "citation": { "quote": "Snow Skiing/Boarding Offpiste and Heli-skiing/Boarding Claims arising from your participation in the following activities during your journey are covered if the cardholder adds the Snow Pack to the Overseas Travel Policy and pays us an extra premium", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=36", "page": 36, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "great-southern-bank-cards", "role": "mentioned", "mentions": 1, "quote": "Skiing and snowboarding but not including off-piste skiing, off-piste snowboarding, or snowmobiling", "citation": { "quote": "Skiing and snowboarding but not including off-piste skiing, off-piste snowboarding, or snowmobiling", "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=17", "page": 17, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "hsbc-cards", "role": "covered", "mentions": 2, "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "citation": { "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=18", "page": 18, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-black", "role": "excluded", "mentions": 2, "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level)", "citation": { "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level)", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=10", "page": 10, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-platinum", "role": "excluded", "mentions": 2, "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level)", "citation": { "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level)", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=10", "page": 10, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "mycard-cards", "role": "covered", "mentions": 2, "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "citation": { "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=19", "page": 19, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "nab-card-insurance", "role": "covered", "mentions": 2, "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "citation": { "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=40", "page": 40, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "pn-bank-cards", "role": "excluded", "mentions": 2, "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level)", "citation": { "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level)", "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=8", "page": 8, "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-platinum", "role": "excluded", "mentions": 2, "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when you are above 3,000 metres from sea level)", "citation": { "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when you are above 3,000 metres from sea level)", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=11", "page": 11, "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-titanium", "role": "excluded", "mentions": 2, "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when you are above 3,000 metres from sea level)", "citation": { "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when you are above 3,000 metres from sea level)", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=16", "page": 16, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "stgeorge-cards", "role": "not_mentioned", "mentions": 0, "quote": null, "citation": null }, { "group": "cards", "slug": "virgin-money-cards", "role": "covered", "mentions": 2, "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "citation": { "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=38", "page": 38, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "westpac-cards", "role": "optional_extra", "mentions": 46, "quote": "the optional Snow Pack and the activity is a snow sport activity covered under that optional pack", "citation": { "quote": "the optional Snow Pack and the activity is a snow sport activity covered under that optional pack", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=115", "page": 115, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "australia-post", "role": "optional_extra", "mentions": 5, "quote": "Snow Skiing, Snowboarding and Snowmobiling Cover page 17 for details of optional cover available to purchase and the terms that apply.) 26", "citation": { "quote": "Snow Skiing, Snowboarding and Snowmobiling Cover page 17 for details of optional cover available to purchase and the terms that apply.) 26", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=41", "page": 41, "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "budget-direct", "role": "optional_extra", "mentions": 14, "quote": "Snow sports On-Piste snow skiing, snowboarding and snowmobiling, and cross-country skiing only Even if You pay the additional premium, You will be covered if", "citation": { "quote": "Snow sports On-Piste snow skiing, snowboarding and snowmobiling, and cross-country skiing only Even if You pay the additional premium, You will be covered if", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=14", "page": 14, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "cover-more", "role": "optional_extra", "mentions": 12, "quote": "Snow Sports On-Piste snow skiing, snowboarding and snowmobiling, and cross-country skiing only Even if You pay the additional premium for Snow Sports, You will only be covered if", "citation": { "quote": "Snow Sports On-Piste snow skiing, snowboarding and snowmobiling, and cross-country skiing only Even if You pay the additional premium for Snow Sports, You will only be covered if", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=16", "page": 16, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "fast-cover", "role": "optional_extra", "mentions": 69, "quote": "For any claims Arising from activities listed under Snow sports (if You do not hold a “Snow Sports Plus”), unless the relevant additional cover is selected at the time You took out Your Policy or prior to Your departure date, and You have paid the appropriate additional premium", "citation": { "quote": "For any claims Arising from activities listed under Snow sports (if You do not hold a “Snow Sports Plus”), unless the relevant additional cover is selected at the time You took out Your Policy or prior to Your departure date, and You have paid the appropriate additional premium", "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=48", "page": 48, "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "insureandgo", "role": "optional_extra", "mentions": 51, "quote": "This exclusion does not apply to claims for damage to Winter sports equipment where the Winter sports cover upgrade has been purchased, or to claims relating to golf equipment", "citation": { "quote": "This exclusion does not apply to claims for damage to Winter sports equipment where the Winter sports cover upgrade has been purchased, or to claims relating to golf equipment", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=42", "page": 42, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "medibank", "role": "optional_extra", "mentions": 4, "quote": "\u0007See Snow skiing, snowboarding and snowmobiling on page 17 for details of optional cover available to purchase and the terms that apply", "citation": { "quote": "\u0007See Snow skiing, snowboarding and snowmobiling on page 17 for details of optional cover available to purchase and the terms that apply", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=43", "page": 43, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "racv", "role": "excluded", "mentions": 51, "quote": "19.1 Your participation in bobsleighing, snow rafting, parapenting, heli-Skiing, aerobatic Skiing, Backcountry Skiing, skijoring, Skiing with any form of power assisted equipment", "citation": { "quote": "19.1 Your participation in bobsleighing, snow rafting, parapenting, heli-Skiing, aerobatic Skiing, Backcountry Skiing, skijoring, Skiing with any form of power assisted equipment", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=29", "page": 29, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "tick", "role": "optional_extra", "mentions": 48, "quote": "Any claim relating to winter sports unless you have purchased the Winter sports cover upgrade", "citation": { "quote": "Any claim relating to winter sports unless you have purchased the Winter sports cover upgrade", "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=18", "page": 18, "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-direct", "role": "optional_extra", "mentions": 41, "quote": "the optional Snow Pack and the activity is a snow sport activity covered under that optional pack", "citation": { "quote": "the optional Snow Pack and the activity is a snow sport activity covered under that optional pack", "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=36", "page": 36, "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-saver", "role": "excluded", "mentions": 8, "quote": "In addition, snow sports, other than curling, tobogganing and recreational ice-skating, are not covered unless You have entered the dates when You plan to participate in snow sports and these dates are shown on Your Certificate of Insurance or if You have purchased an Annual Multi-Trip policy which automatically includes 23 days of snow sports cover per year", "citation": { "quote": "In addition, snow sports, other than curling, tobogganing and recreational ice-skating, are not covered unless You have entered the dates when You plan to participate in snow sports and these dates are shown on Your Certificate of Insurance or if You have purchased an Annual Multi-Trip policy which automatically includes 23 days of snow sports cover per year", "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=13", "page": 13, "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "webjet", "role": "optional_extra", "mentions": 13, "quote": "snow skiing, snowboarding and snowmobiling cover on page 9 and Activities and adventure activities cover on page 8 for details of optional cover available to purchase and the terms that apply.)", "citation": { "quote": "snow skiing, snowboarding and snowmobiling cover on page 9 and Activities and adventure activities cover on page 8 for details of optional cover available to purchase and the terms that apply.)", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=44", "page": 44, "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "zoom", "role": "optional_extra", "mentions": 47, "quote": "Your claim arises from snow sport activities, except as provided under the Optional Benefits – Snow Pack and you paid the additional premium for snow cover", "citation": { "quote": "Your claim arises from snow sport activities, except as provided under the Optional Benefits – Snow Pack and you paid the additional premium for snow cover", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=69", "page": 69, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" } } ] }, "insurer_exclusions": { "question": "Is there anything one insurer's policies always exclude that no other insurer's do?", "headline": "2 exclusion clauses appear in every policy of one insurer and nowhere else, in wording or in subject. A further 34 are unique to an insurer in wording only: another insurer excludes the same thing in different words.", "how_this_was_decided": "A clause counts for an insurer when it appears in every current policy that insurer underwrites in this dataset, and in no policy of any other insurer, after amounts, numbers, insurer names and the first and second person are normalised away. An insurer with one policy here is left out: 'always' means nothing about a single document.", "one_insurer_can_mean_one_wording": "Where every policy an insurer underwrites here is sold by the same distributor, its policies are likely one drafting used more than once, and 'always' says less than it appears to. Each insurer carries policies_may_be_one_wording for that case.", "read_this_before_quoting": "This compares wording, not meaning. The clauses under wording_only are drafting differences, not differences in cover, and saying otherwise would be wrong. Only the clauses under subject_unique_too are a real candidate for 'this insurer excludes something others do not', and even then the right next step is to read the other insurer's document rather than to assert it.", "subject_unique_too": [ { "clause": "underwater, mines, construction sites, oilrigs, etc.)", "read_from": "amex-platinum", "citation": { "quote": "underwater, mines, construction sites, oilrigs, etc.)", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=43", "page": 43, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "construction", "mines", "oilrigs", "sites", "underwater" ], "classified_as": "excluded", "subject_found_elsewhere": [], "difference_is": "wording and subject: no other insurer's exclusions mention this", "insurer": "Chubb Insurance Australia Limited", "policies": 7 }, { "clause": "identifying you and conducting necessary checks", "read_from": "bankwest-cards", "citation": { "quote": "identifying you and conducting necessary checks", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=50", "page": 50, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "checks", "conducting", "identifying", "necessary" ], "classified_as": "excluded", "subject_found_elsewhere": [], "difference_is": "wording and subject: no other insurer's exclusions mention this", "insurer": "Zurich Australian Insurance Limited", "policies": 7 } ], "wording_only": [ { "clause": "Please see the definition of ‘Excluded Sports and Activities’ for a full list of activities and sports which are not covered under this Policy", "read_from": "amex-platinum", "citation": { "quote": "Please see the definition of ‘Excluded Sports and Activities’ for a full list of activities and sports which are not covered under this Policy", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=6", "page": 6, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "activities", "definition", "excluded", "full", "list", "please", "sports" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Chubb Insurance Australia Limited", "policies": 7 }, { "clause": "(Please also refer to the General Exclusions applicable to All Sections within this Policy)", "read_from": "amex-platinum", "citation": { "quote": "(Please also refer to the General Exclusions applicable to All Sections within this Policy)", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=28", "page": 28, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "also", "applicable", "exclusions", "general", "please", "refer", "sections", "within" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Chubb Insurance Australia Limited", "policies": 7 }, { "clause": "the Accidental Death or Permanent Disablement of a person that is not a Covered Person", "read_from": "amex-platinum", "citation": { "quote": "the Accidental Death or Permanent Disablement of a person that is not a Covered Person", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=30", "page": 30, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "accidental", "death", "disablement", "permanent" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Chubb Insurance Australia Limited", "policies": 7 }, { "clause": "We will not pay for or reimburse any costs arising from or relating to", "read_from": "amex-platinum", "citation": { "quote": "We will not pay for or reimburse any costs arising from or relating to", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=28", "page": 28, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "arising", "costs", "reimburse", "relating" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Chubb Insurance Australia Limited", "policies": 7 }, { "clause": "trips that begin and end from Your Home or Work in Australia", "read_from": "amex-platinum", "citation": { "quote": "trips that begin and end from Your Home or Work in Australia", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=7", "page": 7, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "australia", "begin", "home", "trips", "work" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Chubb Insurance Australia Limited", "policies": 7 }, { "clause": "Any costs that would not have been incurred had you told the appropriate holiday company, including but not limited to tour operators, travel agents, transport providers, or accommodation providers, as soon as you knew you had to cancel your trip", "read_from": "insureandgo", "citation": { "quote": "Any costs that would not have been incurred had you told the appropriate holiday company, including but not limited to tour operators, travel agents, transport providers, or accommodation providers, as soon as you knew you had to cancel your trip", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=32", "page": 32, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "accommodation", "agents", "appropriate", "cancel", "company", "costs", "holiday", "including", "incurred", "knew" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Mitsui Sumitomo Insurance Company Limited", "policies": 2 }, { "clause": "your additional reasonable and necessary travel and accommodation expenses outside of Australia, incurred after departure, that are over and above what you had originally budgeted to pay, where you need to catch-up to your original schedule", "read_from": "insureandgo", "citation": { "quote": "your additional reasonable and necessary travel and accommodation expenses outside of Australia, incurred after departure, that are over and above what you had originally budgeted to pay, where you need to catch-up to your original schedule", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=49", "page": 49, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "above", "accommodation", "additional", "after", "australia", "budgeted", "catch", "departure", "expenses", "incurred" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Mitsui Sumitomo Insurance Company Limited", "policies": 2 }, { "clause": "We will not cover you for loss or an event or liability to the extent that it is covered by any other insurance policy, medical or health scheme or Act of Parliament or any benefit which we are legally prohibited to pay by law", "read_from": "insureandgo", "citation": { "quote": "We will not cover you for loss or an event or liability to the extent that it is covered by any other insurance policy, medical or health scheme or Act of Parliament or any benefit which we are legally prohibited to pay by law", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=27", "page": 27, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "benefit", "event", "extent", "health", "insurance", "legally", "liability", "loss", "medical", "parliament" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Mitsui Sumitomo Insurance Company Limited", "policies": 2 }, { "clause": "arising due to you owning, possessing or using mechanically propelled vehicles, cars, watercraft or aircraft of any description, animals (other than horses, domestic cats or dogs), firearms or weapons", "read_from": "insureandgo", "citation": { "quote": "arising due to you owning, possessing or using mechanically propelled vehicles, cars, watercraft or aircraft of any description, animals (other than horses, domestic cats or dogs), firearms or weapons", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=44", "page": 44, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "aircraft", "animals", "arising", "cars", "cats", "description", "dogs", "domestic", "firearms", "horses" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Chubb Insurance Australia Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Mitsui Sumitomo Insurance Company Limited", "policies": 2 }, { "clause": "Any financial product advice provided by Europ Assistance is general only and is provided without taking into consideration your personal circumstances, objects or financial situation", "read_from": "insureandgo", "citation": { "quote": "Any financial product advice provided by Europ Assistance is general only and is provided without taking into consideration your personal circumstances, objects or financial situation", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=58", "page": 58, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "advice", "assistance", "circumstances", "consideration", "europ", "financial", "general", "into", "objects", "only" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Mitsui Sumitomo Insurance Company Limited", "policies": 2 }, { "clause": "there is an accident involving a vehicle you were planning to travel in, which happens within seven days before the date you planned to leave and means you cannot use the vehicle", "read_from": "insureandgo", "citation": { "quote": "there is an accident involving a vehicle you were planning to travel in, which happens within seven days before the date you planned to leave and means you cannot use the vehicle", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=32", "page": 32, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "accident", "before", "cannot", "date", "days", "happens", "involving", "leave", "means", "planned" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Mitsui Sumitomo Insurance Company Limited", "policies": 2 }, { "clause": "travel and accommodation expenses and pre-paid meal expenses which you have paid or have agreed to pay under a contract and which you cannot reasonably recover from any sources", "read_from": "insureandgo", "citation": { "quote": "travel and accommodation expenses and pre-paid meal expenses which you have paid or have agreed to pay under a contract and which you cannot reasonably recover from any sources", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=49", "page": 49, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "accommodation", "agreed", "cannot", "contract", "expenses", "meal", "paid", "reasonably", "recover", "sources" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Mitsui Sumitomo Insurance Company Limited", "policies": 2 }, { "clause": "Any claim arising as a result of you, or any person for whom you may cancel or alter your travel plans, failing to get the inoculations or vaccinations that you need to travel", "read_from": "insureandgo", "citation": { "quote": "Any claim arising as a result of you, or any person for whom you may cancel or alter your travel plans, failing to get the inoculations or vaccinations that you need to travel", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=56", "page": 56, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "alter", "arising", "cancel", "failing", "inoculations", "need", "plans", "result", "travel", "vaccinations" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Mitsui Sumitomo Insurance Company Limited", "policies": 2 }, { "clause": "Any Winter sports equipment that you lost or was stolen or damaged during a journey, unless you report this to the carrier and get a property irregularity report at the time", "read_from": "insureandgo", "citation": { "quote": "Any Winter sports equipment that you lost or was stolen or damaged during a journey, unless you report this to the carrier and get a property irregularity report at the time", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=51", "page": 51, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "carrier", "damaged", "during", "equipment", "irregularity", "journey", "lost", "property", "report", "sports" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Mitsui Sumitomo Insurance Company Limited", "policies": 2 }, { "clause": "the emergency assistance provider who will record all calls to the assistance service provided under your policy for quality assurance training and verification purposes", "read_from": "insureandgo", "citation": { "quote": "the emergency assistance provider who will record all calls to the assistance service provided under your policy for quality assurance training and verification purposes", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=25", "page": 25, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "assistance", "assurance", "calls", "emergency", "provided", "provider", "purposes", "quality", "record", "service" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Mitsui Sumitomo Insurance Company Limited", "policies": 2 }, { "clause": "Any claims arising from you knowingly failing to follow reasonable COVID-19 instructions provided by health authorities, governments or any accredited health institution", "read_from": "insureandgo", "citation": { "quote": "Any claims arising from you knowingly failing to follow reasonable COVID-19 instructions provided by health authorities, governments or any accredited health institution", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=49", "page": 49, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "accredited", "arising", "authorities", "claims", "covid", "failing", "follow", "governments", "health", "institution" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Mitsui Sumitomo Insurance Company Limited", "policies": 2 }, { "clause": "Any legal action where we have been prejudiced against because the claim is reported to us more than 6 months after the accident causing your death or personal injury", "read_from": "insureandgo", "citation": { "quote": "Any legal action where we have been prejudiced against because the claim is reported to us more than 6 months after the accident causing your death or personal injury", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=45", "page": 45, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "accident", "action", "after", "against", "because", "causing", "death", "injury", "legal", "months" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Mitsui Sumitomo Insurance Company Limited", "policies": 2 }, { "clause": "Any treatment or surgery which is not immediately medically necessary and can wait until you return home, including any routine medical, dental or prenatal visits", "read_from": "insureandgo", "citation": { "quote": "Any treatment or surgery which is not immediately medically necessary and can wait until you return home, including any routine medical, dental or prenatal visits", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=34", "page": 34, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "dental", "home", "immediately", "including", "medical", "medically", "necessary", "prenatal", "return", "routine" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Mitsui Sumitomo Insurance Company Limited", "policies": 2 }, { "clause": "the entities to which we and Europ Assistance are related contractors or third-party providers providing services related to the administration of your policy", "read_from": "insureandgo", "citation": { "quote": "the entities to which we and Europ Assistance are related contractors or third-party providers providing services related to the administration of your policy", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=25", "page": 25, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "administration", "assistance", "contractors", "entities", "europ", "party", "providers", "providing", "related", "services" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Mitsui Sumitomo Insurance Company Limited", "policies": 2 }, { "clause": "Any change of plans because you or your travelling companion change your mind and decide not to proceed with your original trip, or choose not to travel", "read_from": "insureandgo", "citation": { "quote": "Any change of plans because you or your travelling companion change your mind and decide not to proceed with your original trip, or choose not to travel", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=32", "page": 32, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "because", "change", "choose", "companion", "decide", "mind", "original", "plans", "proceed", "travel" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words", "insurer": "Mitsui Sumitomo Insurance Company Limited", "policies": 2 } ] } }, "topics": { "snow_sports": { "label": "Snow sports", "why_it_matters": "Skiing and snowboarding are excluded as standard by most travel policies and sold back as an option. Whether a policy sells it back, and at what price, is the whole question for a ski trip.", "counts": { "covered": 5, "excluded": 8, "mentioned": 3, "not_mentioned": 4, "optional_extra": 12 }, "policies": [ { "group": "cards", "slug": "amex-platinum", "role": "mentioned", "mentions": 3, "quote": "Some things You might consider doing whilst travelling might not be covered (for example, jet skiing, bungee jumping or hiring a scooter if You don’t have a motorcycle licence)", "citation": { "quote": "Some things You might consider doing whilst travelling might not be covered (for example, jet skiing, bungee jumping or hiring a scooter if You don’t have a motorcycle licence)", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=3", "page": 3, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "anz-platinum-black", "role": "not_mentioned", "mentions": 0, "quote": null, "citation": null }, { "group": "cards", "slug": "bank-of-melbourne-cards", "role": "not_mentioned", "mentions": 0, "quote": null, "citation": null }, { "group": "cards", "slug": "banksa-cards", "role": "not_mentioned", "mentions": 0, "quote": null, "citation": null }, { "group": "cards", "slug": "bankwest-cards", "role": "mentioned", "mentions": 2, "quote": "claims involving participation by you (during the journey) in off-piste snow skiing or snowboarding or heli-skiing/ snowboarding, or 33", "citation": { "quote": "claims involving participation by you (during the journey) in off-piste snow skiing or snowboarding or heli-skiing/ snowboarding, or 33", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=29", "page": 29, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bendigo-cards", "role": "covered", "mentions": 2, "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "citation": { "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=17", "page": 17, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "beyond-bank-cards", "role": "excluded", "mentions": 2, "quote": "Some things You might consider doing whilst travelling might be not covered (for example, jet skiing, bungee jumping or hiring a scooter if You don’t have a motorcycle licence)", "citation": { "quote": "Some things You might consider doing whilst travelling might be not covered (for example, jet skiing, bungee jumping or hiring a scooter if You don’t have a motorcycle licence)", "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=4", "page": 4, "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "cba-premium-cards", "role": "optional_extra", "mentions": 29, "quote": "Snow Skiing/Boarding Offpiste and Heli-skiing/Boarding Claims arising from your participation in the following activities during your journey are covered if the cardholder adds the Snow Pack to the Overseas Travel Policy and pays us an extra premium", "citation": { "quote": "Snow Skiing/Boarding Offpiste and Heli-skiing/Boarding Claims arising from your participation in the following activities during your journey are covered if the cardholder adds the Snow Pack to the Overseas Travel Policy and pays us an extra premium", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=36", "page": 36, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "great-southern-bank-cards", "role": "mentioned", "mentions": 1, "quote": "Skiing and snowboarding but not including off-piste skiing, off-piste snowboarding, or snowmobiling", "citation": { "quote": "Skiing and snowboarding but not including off-piste skiing, off-piste snowboarding, or snowmobiling", "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=17", "page": 17, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "hsbc-cards", "role": "covered", "mentions": 2, "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "citation": { "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=18", "page": 18, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-black", "role": "excluded", "mentions": 2, "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level)", "citation": { "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level)", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=10", "page": 10, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-platinum", "role": "excluded", "mentions": 2, "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level)", "citation": { "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level)", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=10", "page": 10, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "mycard-cards", "role": "covered", "mentions": 2, "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "citation": { "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=19", "page": 19, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "nab-card-insurance", "role": "covered", "mentions": 2, "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "citation": { "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=40", "page": 40, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "pn-bank-cards", "role": "excluded", "mentions": 2, "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level)", "citation": { "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level)", "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=8", "page": 8, "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-platinum", "role": "excluded", "mentions": 2, "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when you are above 3,000 metres from sea level)", "citation": { "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when you are above 3,000 metres from sea level)", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=11", "page": 11, "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-titanium", "role": "excluded", "mentions": 2, "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when you are above 3,000 metres from sea level)", "citation": { "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when you are above 3,000 metres from sea level)", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=16", "page": 16, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "stgeorge-cards", "role": "not_mentioned", "mentions": 0, "quote": null, "citation": null }, { "group": "cards", "slug": "virgin-money-cards", "role": "covered", "mentions": 2, "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "citation": { "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=38", "page": 38, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "westpac-cards", "role": "optional_extra", "mentions": 46, "quote": "the optional Snow Pack and the activity is a snow sport activity covered under that optional pack", "citation": { "quote": "the optional Snow Pack and the activity is a snow sport activity covered under that optional pack", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=115", "page": 115, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "australia-post", "role": "optional_extra", "mentions": 5, "quote": "Snow Skiing, Snowboarding and Snowmobiling Cover page 17 for details of optional cover available to purchase and the terms that apply.) 26", "citation": { "quote": "Snow Skiing, Snowboarding and Snowmobiling Cover page 17 for details of optional cover available to purchase and the terms that apply.) 26", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=41", "page": 41, "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "budget-direct", "role": "optional_extra", "mentions": 14, "quote": "Snow sports On-Piste snow skiing, snowboarding and snowmobiling, and cross-country skiing only Even if You pay the additional premium, You will be covered if", "citation": { "quote": "Snow sports On-Piste snow skiing, snowboarding and snowmobiling, and cross-country skiing only Even if You pay the additional premium, You will be covered if", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=14", "page": 14, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "cover-more", "role": "optional_extra", "mentions": 12, "quote": "Snow Sports On-Piste snow skiing, snowboarding and snowmobiling, and cross-country skiing only Even if You pay the additional premium for Snow Sports, You will only be covered if", "citation": { "quote": "Snow Sports On-Piste snow skiing, snowboarding and snowmobiling, and cross-country skiing only Even if You pay the additional premium for Snow Sports, You will only be covered if", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=16", "page": 16, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "fast-cover", "role": "optional_extra", "mentions": 69, "quote": "For any claims Arising from activities listed under Snow sports (if You do not hold a “Snow Sports Plus”), unless the relevant additional cover is selected at the time You took out Your Policy or prior to Your departure date, and You have paid the appropriate additional premium", "citation": { "quote": "For any claims Arising from activities listed under Snow sports (if You do not hold a “Snow Sports Plus”), unless the relevant additional cover is selected at the time You took out Your Policy or prior to Your departure date, and You have paid the appropriate additional premium", "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=48", "page": 48, "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "insureandgo", "role": "optional_extra", "mentions": 51, "quote": "This exclusion does not apply to claims for damage to Winter sports equipment where the Winter sports cover upgrade has been purchased, or to claims relating to golf equipment", "citation": { "quote": "This exclusion does not apply to claims for damage to Winter sports equipment where the Winter sports cover upgrade has been purchased, or to claims relating to golf equipment", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=42", "page": 42, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "medibank", "role": "optional_extra", "mentions": 4, "quote": "\u0007See Snow skiing, snowboarding and snowmobiling on page 17 for details of optional cover available to purchase and the terms that apply", "citation": { "quote": "\u0007See Snow skiing, snowboarding and snowmobiling on page 17 for details of optional cover available to purchase and the terms that apply", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=43", "page": 43, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "racv", "role": "excluded", "mentions": 51, "quote": "19.1 Your participation in bobsleighing, snow rafting, parapenting, heli-Skiing, aerobatic Skiing, Backcountry Skiing, skijoring, Skiing with any form of power assisted equipment", "citation": { "quote": "19.1 Your participation in bobsleighing, snow rafting, parapenting, heli-Skiing, aerobatic Skiing, Backcountry Skiing, skijoring, Skiing with any form of power assisted equipment", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=29", "page": 29, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "tick", "role": "optional_extra", "mentions": 48, "quote": "Any claim relating to winter sports unless you have purchased the Winter sports cover upgrade", "citation": { "quote": "Any claim relating to winter sports unless you have purchased the Winter sports cover upgrade", "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=18", "page": 18, "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-direct", "role": "optional_extra", "mentions": 41, "quote": "the optional Snow Pack and the activity is a snow sport activity covered under that optional pack", "citation": { "quote": "the optional Snow Pack and the activity is a snow sport activity covered under that optional pack", "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=36", "page": 36, "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-saver", "role": "excluded", "mentions": 8, "quote": "In addition, snow sports, other than curling, tobogganing and recreational ice-skating, are not covered unless You have entered the dates when You plan to participate in snow sports and these dates are shown on Your Certificate of Insurance or if You have purchased an Annual Multi-Trip policy which automatically includes 23 days of snow sports cover per year", "citation": { "quote": "In addition, snow sports, other than curling, tobogganing and recreational ice-skating, are not covered unless You have entered the dates when You plan to participate in snow sports and these dates are shown on Your Certificate of Insurance or if You have purchased an Annual Multi-Trip policy which automatically includes 23 days of snow sports cover per year", "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=13", "page": 13, "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "webjet", "role": "optional_extra", "mentions": 13, "quote": "snow skiing, snowboarding and snowmobiling cover on page 9 and Activities and adventure activities cover on page 8 for details of optional cover available to purchase and the terms that apply.)", "citation": { "quote": "snow skiing, snowboarding and snowmobiling cover on page 9 and Activities and adventure activities cover on page 8 for details of optional cover available to purchase and the terms that apply.)", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=44", "page": 44, "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "zoom", "role": "optional_extra", "mentions": 47, "quote": "Your claim arises from snow sport activities, except as provided under the Optional Benefits – Snow Pack and you paid the additional premium for snow cover", "citation": { "quote": "Your claim arises from snow sport activities, except as provided under the Optional Benefits – Snow Pack and you paid the additional premium for snow cover", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=69", "page": 69, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" } } ] }, "cruise": { "label": "Cruising", "why_it_matters": "A cruise is medically remote: the ship's doctor is not covered by Medicare and an evacuation is by helicopter. Most policies treat it as an option rather than as ordinary travel.", "counts": { "covered": 6, "excluded": 10, "mentioned": 9, "optional_extra": 7 }, "policies": [ { "group": "cards", "slug": "amex-platinum", "role": "mentioned", "mentions": 8, "quote": "or (b) \u0007when You leave Your Home or Your Work (whichever occurs last) to travel to a harbour port to board a Scheduled Cruise", "citation": { "quote": "or (b) \u0007when You leave Your Home or Your Work (whichever occurs last) to travel to a harbour port to board a Scheduled Cruise", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=23", "page": 23, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "anz-platinum-black", "role": "mentioned", "mentions": 4, "quote": "an air or cruise ticket departing from and returning to Australia", "citation": { "quote": "an air or cruise ticket departing from and returning to Australia", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=19", "page": 19, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bank-of-melbourne-cards", "role": "mentioned", "mentions": 3, "quote": "“overseas” outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters", "citation": { "quote": "“overseas” outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=14", "page": 14, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "banksa-cards", "role": "mentioned", "mentions": 3, "quote": "outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters", "citation": { "quote": "outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=15", "page": 15, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bankwest-cards", "role": "excluded", "mentions": 12, "quote": "There is no cover for claims arising from, or related to, COVID-19 whilst travelling on a cruise", "citation": { "quote": "There is no cover for claims arising from, or related to, COVID-19 whilst travelling on a cruise", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=15", "page": 15, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bendigo-cards", "role": "covered", "mentions": 8, "quote": "Cruising is covered in both Australian and International waters, where you are travelling on a foreign registered cruise ship", "citation": { "quote": "Cruising is covered in both Australian and International waters, where you are travelling on a foreign registered cruise ship", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=17", "page": 17, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "beyond-bank-cards", "role": "mentioned", "mentions": 7, "quote": "pay the full amount of Your return Scheduled Flight or Scheduled Cruise ticket", "citation": { "quote": "pay the full amount of Your return Scheduled Flight or Scheduled Cruise ticket", "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=8", "page": 8, "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "cba-premium-cards", "role": "optional_extra", "mentions": 22, "quote": "Cruise Extras As well as the cover we provide you under the Overseas Travel Policy for cruising, the cardholder can pay to upgrade your policy to include the Benefits 17.1 - 17.5 provided in the Cruise Extras", "citation": { "quote": "Cruise Extras As well as the cover we provide you under the Overseas Travel Policy for cruising, the cardholder can pay to upgrade your policy to include the Benefits 17.1 - 17.5 provided in the Cruise Extras", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=36", "page": 36, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "great-southern-bank-cards", "role": "covered", "mentions": 8, "quote": "Cruising is covered in both Australian and International waters, where you are travelling on a foreign registered cruise ship", "citation": { "quote": "Cruising is covered in both Australian and International waters, where you are travelling on a foreign registered cruise ship", "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=17", "page": 17, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "hsbc-cards", "role": "covered", "mentions": 9, "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "citation": { "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=18", "page": 18, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-black", "role": "excluded", "mentions": 8, "quote": "going on an Overseas Return Trip and prior to the Trip departure date You pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise leaving Australia using", "citation": { "quote": "going on an Overseas Return Trip and prior to the Trip departure date You pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise leaving Australia using", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=13", "page": 13, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-platinum", "role": "excluded", "mentions": 8, "quote": "going on an Overseas Return Trip and prior to the Trip departure date You pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise leaving Australia using", "citation": { "quote": "going on an Overseas Return Trip and prior to the Trip departure date You pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise leaving Australia using", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=13", "page": 13, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "mycard-cards", "role": "covered", "mentions": 8, "quote": "\u0007Cruising is covered in both Australian and International waters, where you are travelling on a foreign registered cruise ship", "citation": { "quote": "\u0007Cruising is covered in both Australian and International waters, where you are travelling on a foreign registered cruise ship", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=19", "page": 19, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "nab-card-insurance", "role": "covered", "mentions": 8, "quote": "Cruising is covered in both Australian and International waters, where you are travelling on a foreign registered cruise ship", "citation": { "quote": "Cruising is covered in both Australian and International waters, where you are travelling on a foreign registered cruise ship", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=40", "page": 40, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "pn-bank-cards", "role": "mentioned", "mentions": 7, "quote": "or (ii) pay the full amount of Your return Scheduled Flight or Scheduled Cruise ticket", "citation": { "quote": "or (ii) pay the full amount of Your return Scheduled Flight or Scheduled Cruise ticket", "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=10", "page": 10, "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-platinum", "role": "mentioned", "mentions": 8, "quote": "\u0007you only pay for a one-way Scheduled Flight or Scheduled Cruise ticket", "citation": { "quote": "\u0007you only pay for a one-way Scheduled Flight or Scheduled Cruise ticket", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=6", "page": 6, "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-titanium", "role": "mentioned", "mentions": 8, "quote": "\u0007you only pay for a one-way Scheduled Flight or Scheduled Cruise ticket", "citation": { "quote": "\u0007you only pay for a one-way Scheduled Flight or Scheduled Cruise ticket", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=9", "page": 9, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "stgeorge-cards", "role": "mentioned", "mentions": 3, "quote": "outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters", "citation": { "quote": "outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=17", "page": 17, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "virgin-money-cards", "role": "covered", "mentions": 8, "quote": "Cruising is covered in both Australian and International waters, where you are travelling on a foreign registered cruise ship", "citation": { "quote": "Cruising is covered in both Australian and International waters, where you are travelling on a foreign registered cruise ship", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=38", "page": 38, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "westpac-cards", "role": "excluded", "mentions": 46, "quote": "7.5 FORMAL WEAR - CRUISE You have this cover if you purchased the optional Cruise Pack", "citation": { "quote": "7.5 FORMAL WEAR - CRUISE You have this cover if you purchased the optional Cruise Pack", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=102", "page": 102, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "australia-post", "role": "optional_extra", "mentions": 17, "quote": "cancelling the cruise, cruise travel or that occur while on a cruise such as getting sick or injured onboard a cruise vessel), You must tell Us You are doing a cruise and pay an extra premium to have cover", "citation": { "quote": "cancelling the cruise, cruise travel or that occur while on a cruise such as getting sick or injured onboard a cruise vessel), You must tell Us You are doing a cruise and pay an extra premium to have cover", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=3", "page": 3, "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "budget-direct", "role": "optional_extra", "mentions": 46, "quote": "If You are cruising and have paid the additional premium for Cruise cover, this exclusion does not apply to medical treatment provided while on a ship (including cruise ship, passenger ship or passenger ferry) even if that ship is within Australian territorial waters", "citation": { "quote": "If You are cruising and have paid the additional premium for Cruise cover, this exclusion does not apply to medical treatment provided while on a ship (including cruise ship, passenger ship or passenger ferry) even if that ship is within Australian territorial waters", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=31", "page": 31, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "cover-more", "role": "optional_extra", "mentions": 46, "quote": "Cruise Cover The following benefits only apply to the International plans where Cruise Cover is included and the additional premium for participation in multi-night cruising has been paid", "citation": { "quote": "Cruise Cover The following benefits only apply to the International plans where Cruise Cover is included and the additional premium for participation in multi-night cruising has been paid", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=42", "page": 42, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "fast-cover", "role": "excluded", "mentions": 22, "quote": "There is no cover for claims related to cruises unless the optional Cruise cover has been purchased by You and is listed on Your Certificate of insurance", "citation": { "quote": "There is no cover for claims related to cruises unless the optional Cruise cover has been purchased by You and is listed on Your Certificate of insurance", "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=6", "page": 6, "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "insureandgo", "role": "excluded", "mentions": 5, "quote": "No cover is available under this policy for travel on commercial cruise ships", "citation": { "quote": "No cover is available under this policy for travel on commercial cruise ships", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=11", "page": 11, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "medibank", "role": "optional_extra", "mentions": 50, "quote": "\u0007If You are cruising and have paid the additional premium for Cruise Cover, this exclusion does not apply to medical treatment provided while on a ship (including cruise ship, passenger ship or passenger ferry) even if that ship is within Australian territorial waters", "citation": { "quote": "\u0007If You are cruising and have paid the additional premium for Cruise Cover, this exclusion does not apply to medical treatment provided while on a ship (including cruise ship, passenger ship or passenger ferry) even if that ship is within Australian territorial waters", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=26", "page": 26, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "racv", "role": "excluded", "mentions": 30, "quote": "a) If Your cruise has medical facilities and medical providers onboard, and meets the definition of Cruise, at the time You purchase Your policy please select ‘Australian Cruise’", "citation": { "quote": "a) If Your cruise has medical facilities and medical providers onboard, and meets the definition of Cruise, at the time You purchase Your policy please select ‘Australian Cruise’", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=5", "page": 5, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "tick", "role": "excluded", "mentions": 3, "quote": "No cover is available under this policy for travel on commercial cruise ships", "citation": { "quote": "No cover is available under this policy for travel on commercial cruise ships", "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=4", "page": 4, "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-direct", "role": "excluded", "mentions": 42, "quote": "7.5 Formal Wear - Cruise You have this cover if you purchased the optional Cruise Pack", "citation": { "quote": "7.5 Formal Wear - Cruise You have this cover if you purchased the optional Cruise Pack", "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=31", "page": 31, "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-saver", "role": "excluded", "mentions": 12, "quote": "any claim if You are confined to the onboard hospital while the cruise vessel is travelling in Australian waters", "citation": { "quote": "any claim if You are confined to the onboard hospital while the cruise vessel is travelling in Australian waters", "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=24", "page": 24, "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "webjet", "role": "optional_extra", "mentions": 43, "quote": "If You are cruising and have paid the additional premium for Cruise cover, this exclusion does not apply to medical treatment provided while on a ship (including cruise ship, passenger ship or passenger ferry) even if that ship is within Australian territorial waters", "citation": { "quote": "If You are cruising and have paid the additional premium for Cruise cover, this exclusion does not apply to medical treatment provided while on a ship (including cruise ship, passenger ship or passenger ferry) even if that ship is within Australian territorial waters", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=26", "page": 26, "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "zoom", "role": "optional_extra", "mentions": 10, "quote": "You must have selected the cruise pack, paid the additional premium for cruise cover and have it shown on your certificate of insurance in order to be covered for all the benefits of the relevant plan", "citation": { "quote": "You must have selected the cruise pack, paid the additional premium for cruise cover and have it shown on your certificate of insurance in order to be covered for all the benefits of the relevant plan", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=69", "page": 69, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" } } ] }, "pre_existing": { "label": "Pre-existing conditions", "why_it_matters": "The single most common reason a travel claim is refused.", "counts": { "excluded": 18, "mentioned": 3, "not_mentioned": 8, "optional_extra": 3 }, "policies": [ { "group": "cards", "slug": "amex-platinum", "role": "excluded", "mentions": 9, "quote": "Pre-Existing Medical Conditions This Policy does not cover any costs incurred from or relating to any Pre-Existing Medical Condition under Sections A – L (below)", "citation": { "quote": "Pre-Existing Medical Conditions This Policy does not cover any costs incurred from or relating to any Pre-Existing Medical Condition under Sections A – L (below)", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=5", "page": 5, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "anz-platinum-black", "role": "excluded", "mentions": 18, "quote": "No cover is available for any claims arising from, related to or associated with, your pre-existing medical condition unlessAllianz Global Assistance has confirmed in writing to you that the pre-existing medical condition causing your claim is covered by the Group Policy", "citation": { "quote": "No cover is available for any claims arising from, related to or associated with, your pre-existing medical condition unlessAllianz Global Assistance has confirmed in writing to you that the pre-existing medical condition causing your claim is covered by the Group Policy", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=33", "page": 33, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bank-of-melbourne-cards", "role": "excluded", "mentions": 34, "quote": "or e] arising from a pre-existing medical condition", "citation": { "quote": "or e] arising from a pre-existing medical condition", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=37", "page": 37, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "banksa-cards", "role": "excluded", "mentions": 30, "quote": "arising from a pre-existing medical condition", "citation": { "quote": "arising from a pre-existing medical condition", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=38", "page": 38, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bankwest-cards", "role": "not_mentioned", "mentions": 0, "quote": null, "citation": null }, { "group": "cards", "slug": "bendigo-cards", "role": "excluded", "mentions": 7, "quote": "b] arising from a pre-existing medical condition of you, your travel companion or a relative", "citation": { "quote": "b] arising from a pre-existing medical condition of you, your travel companion or a relative", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=22", "page": 22, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "beyond-bank-cards", "role": "excluded", "mentions": 15, "quote": "any Pre-existing Medical Conditions (except under Section F - Resumption of Long Overseas Trip Cover, 2 - Returning to Australia for a Close Relative with a Pre-Existing Medical Condition)", "citation": { "quote": "any Pre-existing Medical Conditions (except under Section F - Resumption of Long Overseas Trip Cover, 2 - Returning to Australia for a Close Relative with a Pre-Existing Medical Condition)", "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=27", "page": 27, "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "cba-premium-cards", "role": "not_mentioned", "mentions": 0, "quote": null, "citation": null }, { "group": "cards", "slug": "great-southern-bank-cards", "role": "excluded", "mentions": 7, "quote": "b] arising from a pre-existing medical condition of you, your travel companion or a relative", "citation": { "quote": "b] arising from a pre-existing medical condition of you, your travel companion or a relative", "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=23", "page": 23, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "hsbc-cards", "role": "excluded", "mentions": 18, "quote": "No cover is available for any claims arising from, related to or associated with, your pre-existing medical condition unless Allianz Global Assistance has confirmed in writing to you that the pre-existing medical condition causing your claim is covered by the Group Policy", "citation": { "quote": "No cover is available for any claims arising from, related to or associated with, your pre-existing medical condition unless Allianz Global Assistance has confirmed in writing to you that the pre-existing medical condition causing your claim is covered by the Group Policy", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=16", "page": 16, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-black", "role": "excluded", "mentions": 16, "quote": "Pre-Existing Medical Conditions This Policy does not cover any Pre-Existing Medical Conditions under Sections A – K below", "citation": { "quote": "Pre-Existing Medical Conditions This Policy does not cover any Pre-Existing Medical Conditions under Sections A – K below", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=9", "page": 9, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-platinum", "role": "excluded", "mentions": 16, "quote": "Pre-Existing Medical Conditions This Policy does not cover any Pre-Existing Medical Conditions under Sections A – K below", "citation": { "quote": "Pre-Existing Medical Conditions This Policy does not cover any Pre-Existing Medical Conditions under Sections A – K below", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=9", "page": 9, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "mycard-cards", "role": "excluded", "mentions": 15, "quote": "g) \u0007arising from a pre-existing medical condition of any person including you, your travel companion or a relative except as provided in your medical terms letter for your pre-existing medical condition if Allianz Global Assistance confirmed cover", "citation": { "quote": "g) \u0007arising from a pre-existing medical condition of any person including you, your travel companion or a relative except as provided in your medical terms letter for your pre-existing medical condition if Allianz Global Assistance confirmed cover", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=22", "page": 22, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "nab-card-insurance", "role": "excluded", "mentions": 15, "quote": "g) Arising from a pre-existing medical condition of any person including you, your travel companion or a relative except as provided in your medical terms letter for your pre-existing medical condition if Allianz Global Assistance confirmed cover", "citation": { "quote": "g) Arising from a pre-existing medical condition of any person including you, your travel companion or a relative except as provided in your medical terms letter for your pre-existing medical condition if Allianz Global Assistance confirmed cover", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=45", "page": 45, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "pn-bank-cards", "role": "excluded", "mentions": 15, "quote": "Pre-Existing Medical Conditions This policy does not cover any Pre-Existing Medical Conditions under Sections A – L (below)", "citation": { "quote": "Pre-Existing Medical Conditions This policy does not cover any Pre-Existing Medical Conditions under Sections A – L (below)", "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=7", "page": 7, "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-platinum", "role": "excluded", "mentions": 15, "quote": "Pre-Existing Medical Conditions This Policy does not cover any Pre-Existing Medical Conditions under Sections A – I below", "citation": { "quote": "Pre-Existing Medical Conditions This Policy does not cover any Pre-Existing Medical Conditions under Sections A – I below", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=10", "page": 10, "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-titanium", "role": "excluded", "mentions": 17, "quote": "This Policy does not cover any PreExisting Medical Conditions under Sections A-K below", "citation": { "quote": "This Policy does not cover any PreExisting Medical Conditions under Sections A-K below", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=14", "page": 14, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "stgeorge-cards", "role": "excluded", "mentions": 31, "quote": "e] \u0007arising from a pre-existing medical condition", "citation": { "quote": "e] \u0007arising from a pre-existing medical condition", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=43", "page": 43, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "virgin-money-cards", "role": "excluded", "mentions": 15, "quote": "g] \u0007arising from a pre-existing medical condition of any person including you, your travel companion or a relative except as provided in your medical terms letter for your pre-existing", "citation": { "quote": "g] \u0007arising from a pre-existing medical condition of any person including you, your travel companion or a relative except as provided in your medical terms letter for your pre-existing", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=42", "page": 42, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "westpac-cards", "role": "optional_extra", "mentions": 54, "quote": "a) agree in writing to include cover under your Comprehensive International Travel Insurance for your pre-existing medical condition(s) (an additional premium may be payable, and a medical excess may apply)", "citation": { "quote": "a) agree in writing to include cover under your Comprehensive International Travel Insurance for your pre-existing medical condition(s) (an additional premium may be payable, and a medical excess may apply)", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=65", "page": 65, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "australia-post", "role": "not_mentioned", "mentions": 0, "quote": null, "citation": null }, { "group": "retail", "slug": "budget-direct", "role": "not_mentioned", "mentions": 0, "quote": null, "citation": null }, { "group": "retail", "slug": "cover-more", "role": "not_mentioned", "mentions": 0, "quote": null, "citation": null }, { "group": "retail", "slug": "fast-cover", "role": "mentioned", "mentions": 1, "quote": "For repairing pre-existing or old damage, faulty workmanship, or incomplete repairs that existed at the time the Certificate of insurance was issued", "citation": { "quote": "For repairing pre-existing or old damage, faulty workmanship, or incomplete repairs that existed at the time the Certificate of insurance was issued", "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=88", "page": 88, "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "insureandgo", "role": "mentioned", "mentions": 3, "quote": "Pre-existing medical condition A pre‑existing condition includes any of the following", "citation": { "quote": "Pre-existing medical condition A pre‑existing condition includes any of the following", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=30", "page": 30, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "medibank", "role": "not_mentioned", "mentions": 0, "quote": null, "citation": null }, { "group": "retail", "slug": "racv", "role": "not_mentioned", "mentions": 0, "quote": null, "citation": null }, { "group": "retail", "slug": "tick", "role": "mentioned", "mentions": 3, "quote": "We are not obligated to pay a claim relating to a pre-existing medical condition if you have a Basic or Budget cover", "citation": { "quote": "We are not obligated to pay a claim relating to a pre-existing medical condition if you have a Basic or Budget cover", "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=7", "page": 7, "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-direct", "role": "optional_extra", "mentions": 53, "quote": "agree in writing to include cover under your policy for your pre-existing medical condition(s) (an additional premium may be payable, and a medical excess may apply)", "citation": { "quote": "agree in writing to include cover under your policy for your pre-existing medical condition(s) (an additional premium may be payable, and a medical excess may apply)", "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=14", "page": 14, "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-saver", "role": "excluded", "mentions": 6, "quote": "There is no cover for the following pre- existing medical conditions There is no cover for any loss You may suffer as a result of any Pre-existing Medical Condition as detailed below", "citation": { "quote": "There is no cover for the following pre- existing medical conditions There is no cover for any loss You may suffer as a result of any Pre-existing Medical Condition as detailed below", "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=9", "page": 9, "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "webjet", "role": "not_mentioned", "mentions": 0, "quote": null, "citation": null }, { "group": "retail", "slug": "zoom", "role": "optional_extra", "mentions": 25, "quote": "If we offer you cover and you decide to accept our terms and conditions and pay the additional premium, we will provide written confirmation of each pre-existing medical condition", "citation": { "quote": "If we offer you cover and you decide to accept our terms and conditions and pay the additional premium, we will provide written confirmation of each pre-existing medical condition", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=27", "page": 27, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" } } ] }, "adventure_activities": { "label": "Adventure and high-risk activities", "why_it_matters": "Motorcycling, diving, trekking at altitude and quad biking are each excluded by some policies and covered by others, often with a condition attached.", "counts": { "covered": 5, "excluded": 12, "mentioned": 6, "optional_extra": 9 }, "policies": [ { "group": "cards", "slug": "amex-platinum", "role": "excluded", "mentions": 9, "quote": "r\u0007 ental of trucks, buses (except for mini buses hired for recreational purposes), other commercial vehicles, trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bikes", "citation": { "quote": "r\u0007 ental of trucks, buses (except for mini buses hired for recreational purposes), other commercial vehicles, trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bikes", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=38", "page": 38, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "anz-platinum-black", "role": "mentioned", "mentions": 5, "quote": "scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor", "citation": { "quote": "scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=30", "page": 30, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bank-of-melbourne-cards", "role": "mentioned", "mentions": 6, "quote": "scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor", "citation": { "quote": "scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=26", "page": 26, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "banksa-cards", "role": "mentioned", "mentions": 4, "quote": "scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor", "citation": { "quote": "scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=27", "page": 27, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bankwest-cards", "role": "mentioned", "mentions": 5, "quote": "while in control of a motorcycle or motorscooter you hold a valid Australian motorcycle rider’s licence or Australian motor vehicle driver’s licence", "citation": { "quote": "while in control of a motorcycle or motorscooter you hold a valid Australian motorcycle rider’s licence or Australian motor vehicle driver’s licence", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=30", "page": 30, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bendigo-cards", "role": "covered", "mentions": 5, "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "citation": { "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=17", "page": 17, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "beyond-bank-cards", "role": "excluded", "mentions": 6, "quote": "Some things You might consider doing whilst travelling might be not covered (for example, jet skiing, bungee jumping or hiring a scooter if You don’t have a motorcycle licence)", "citation": { "quote": "Some things You might consider doing whilst travelling might be not covered (for example, jet skiing, bungee jumping or hiring a scooter if You don’t have a motorcycle licence)", "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=4", "page": 4, "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "cba-premium-cards", "role": "optional_extra", "mentions": 17, "quote": "Motorcycle/Motorscooter/Quadbike riding as the driver or passenger Even if the cardholder pays the extra premium, you will only be covered if", "citation": { "quote": "Motorcycle/Motorscooter/Quadbike riding as the driver or passenger Even if the cardholder pays the extra premium, you will only be covered if", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=34", "page": 34, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "great-southern-bank-cards", "role": "mentioned", "mentions": 3, "quote": "scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor", "citation": { "quote": "scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor", "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=14", "page": 14, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "hsbc-cards", "role": "covered", "mentions": 6, "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "citation": { "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=18", "page": 18, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-black", "role": "excluded", "mentions": 7, "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level)", "citation": { "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level)", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=10", "page": 10, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-platinum", "role": "excluded", "mentions": 7, "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level)", "citation": { "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when You ascend more than 3,000 metres from sea level)", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=10", "page": 10, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "mycard-cards", "role": "covered", "mentions": 6, "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "citation": { "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=19", "page": 19, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "nab-card-insurance", "role": "covered", "mentions": 6, "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "citation": { "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=40", "page": 40, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "pn-bank-cards", "role": "excluded", "mentions": 6, "quote": "the rental of trucks, mini buses, buses, trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles", "citation": { "quote": "the rental of trucks, mini buses, buses, trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles", "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=18", "page": 18, "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-platinum", "role": "excluded", "mentions": 7, "quote": "t\u0007 he rental of trucks, mini buses, buses, trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles", "citation": { "quote": "t\u0007 he rental of trucks, mini buses, buses, trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=41", "page": 41, "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-titanium", "role": "excluded", "mentions": 6, "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when you are above 3,000 metres from sea level)", "citation": { "quote": "some popular holiday activities such as bungee jumping, jet skiing, horse riding or trekking (with climbing equipment or when you are above 3,000 metres from sea level)", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=16", "page": 16, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "stgeorge-cards", "role": "mentioned", "mentions": 4, "quote": "scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor", "citation": { "quote": "scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30", "page": 30, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "virgin-money-cards", "role": "covered", "mentions": 6, "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "citation": { "quote": "Cruising, Skiing and Motorcycle Activities Activities covered by the Group Policy include but are not limited to", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=38", "page": 38, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "westpac-cards", "role": "excluded", "mentions": 19, "quote": "tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (but you must be in tandem with a licensed instructor for these activities)", "citation": { "quote": "tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (but you must be in tandem with a licensed instructor for these activities)", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=94", "page": 94, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "australia-post", "role": "optional_extra", "mentions": 14, "quote": "\u0007(See Motorcycle/Moped Riding Cover pages 16-17 for details of optional cover available to purchase and the terms that apply.) 25", "citation": { "quote": "\u0007(See Motorcycle/Moped Riding Cover pages 16-17 for details of optional cover available to purchase and the terms that apply.) 25", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=41", "page": 41, "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "budget-direct", "role": "optional_extra", "mentions": 36, "quote": "Motorcycle/moped riding+ Engine capacity unlimited Even if You pay the additional premium for Motorcycle/Moped Riding+, You will only be covered if", "citation": { "quote": "Motorcycle/moped riding+ Engine capacity unlimited Even if You pay the additional premium for Motorcycle/Moped Riding+, You will only be covered if", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=11", "page": 11, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "cover-more", "role": "optional_extra", "mentions": 42, "quote": "Motorcycle/Moped Riding+ Engine capacity unlimited Even if You pay the additional premium for Motorcycle/ Moped Riding+, You will only be covered if", "citation": { "quote": "Motorcycle/Moped Riding+ Engine capacity unlimited Even if You pay the additional premium for Motorcycle/ Moped Riding+, You will only be covered if", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=16", "page": 16, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "fast-cover", "role": "optional_extra", "mentions": 32, "quote": "Motorcycle Pack This benefit provides optional cover for riding or being a passenger on a motorcycle, moped or scooter in the circumstances as explained below", "citation": { "quote": "Motorcycle Pack This benefit provides optional cover for riding or being a passenger on a motorcycle, moped or scooter in the circumstances as explained below", "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=84", "page": 84, "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "insureandgo", "role": "optional_extra", "mentions": 20, "quote": "as the rider of a motorcycle 500cc and above you have selected and paid for the Activities Plus upgrade, and it shows on your Insurance certificate", "citation": { "quote": "as the rider of a motorcycle 500cc and above you have selected and paid for the Activities Plus upgrade, and it shows on your Insurance certificate", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=56", "page": 56, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "medibank", "role": "optional_extra", "mentions": 15, "quote": "\u0007See Motorcycle/Moped riding on page 17 for details of optional cover available to purchase and the terms that apply", "citation": { "quote": "\u0007See Motorcycle/Moped riding on page 17 for details of optional cover available to purchase and the terms that apply", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=43", "page": 43, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "racv", "role": "optional_extra", "mentions": 17, "quote": "No additional Premium for Motorcycle and Moped/Scooter", "citation": { "quote": "No additional Premium for Motorcycle and Moped/Scooter", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=4", "page": 4, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "tick", "role": "excluded", "mentions": 9, "quote": "commercial vehicles, buses, minibuses, trucks, full-size vans mounted on truck chassis, campers, motorhomes, trailers, motorbikes, motorcycles or moped and any other vehicle having fewer than four wheels and limousines", "citation": { "quote": "commercial vehicles, buses, minibuses, trucks, full-size vans mounted on truck chassis, campers, motorhomes, trailers, motorbikes, motorcycles or moped and any other vehicle having fewer than four wheels and limousines", "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=37", "page": 37, "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-direct", "role": "excluded", "mentions": 16, "quote": "tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (but you must be in tandem with a licensed instructor for these activities)", "citation": { "quote": "tandem parachuting, tandem sky diving, tandem hang gliding, tandem gliding and tandem paragliding (but you must be in tandem with a licensed instructor for these activities)", "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=17", "page": 17, "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-saver", "role": "excluded", "mentions": 12, "quote": "There is no cover for any climbing / trekking activity in Nepal", "citation": { "quote": "There is no cover for any climbing / trekking activity in Nepal", "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=12", "page": 12, "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "webjet", "role": "optional_extra", "mentions": 29, "quote": "If You pay the additional premium for Motorcycle/Moped Riding, You will only be covered if", "citation": { "quote": "If You pay the additional premium for Motorcycle/Moped Riding, You will only be covered if", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=10", "page": 10, "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "zoom", "role": "excluded", "mentions": 19, "quote": "you driving a motor vehicle or riding a moped or scooter without a current Australian drivers licence or drivers licence valid for the country you are driving or riding in", "citation": { "quote": "you driving a motor vehicle or riding a moped or scooter without a current Australian drivers licence or drivers licence valid for the country you are driving or riding in", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=67", "page": 67, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" } } ] }, "pandemic": { "label": "Epidemics and pandemics", "why_it_matters": "What a policy says about an epidemic is the clause most rewritten since 2020, and the one most likely to differ between two policies from the same insurer.", "counts": { "covered": 1, "excluded": 30, "optional_extra": 1 }, "policies": [ { "group": "cards", "slug": "amex-platinum", "role": "excluded", "mentions": 22, "quote": "t\u0007 he cancellation or postponement of a Special Event arising from or related to an epidemic, pandemic or outbreak of an infectious disease or virus or any derivative or mutation of such viruses", "citation": { "quote": "t\u0007 he cancellation or postponement of a Special Event arising from or related to an epidemic, pandemic or outbreak of an infectious disease or virus or any derivative or mutation of such viruses", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=13", "page": 13, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "anz-platinum-black", "role": "excluded", "mentions": 10, "quote": "For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover", "citation": { "quote": "For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=33", "page": 33, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bank-of-melbourne-cards", "role": "excluded", "mentions": 13, "quote": "For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover", "citation": { "quote": "For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=28", "page": 28, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "banksa-cards", "role": "excluded", "mentions": 12, "quote": "For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover", "citation": { "quote": "For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=29", "page": 29, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bankwest-cards", "role": "excluded", "mentions": 10, "quote": "pandemic means an epidemic that is expected to affect an unusually large number of people or involves an extensive geographic area", "citation": { "quote": "pandemic means an epidemic that is expected to affect an unusually large number of people or involves an extensive geographic area", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=19", "page": 19, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bendigo-cards", "role": "excluded", "mentions": 15, "quote": "For all other sections and any claim arising from, or related to, epidemics and pandemics, there is no cover", "citation": { "quote": "For all other sections and any claim arising from, or related to, epidemics and pandemics, there is no cover", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=30", "page": 30, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "beyond-bank-cards", "role": "excluded", "mentions": 17, "quote": "an epidemic, pandemic or outbreak of an infectious disease or virus or any derivative or mutation of such viruses (or arising directly or indirectly from these) or the threat, or perceived threat, of any of these", "citation": { "quote": "an epidemic, pandemic or outbreak of an infectious disease or virus or any derivative or mutation of such viruses (or arising directly or indirectly from these) or the threat, or perceived threat, of any of these", "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=28", "page": 28, "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "cba-premium-cards", "role": "excluded", "mentions": 12, "quote": "There is no cover for claims arising from, or related to, COVID-19 whilst travelling on a cruise", "citation": { "quote": "There is no cover for claims arising from, or related to, COVID-19 whilst travelling on a cruise", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=2", "page": 2, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "great-southern-bank-cards", "role": "excluded", "mentions": 12, "quote": "For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover", "citation": { "quote": "For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover", "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=15", "page": 15, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "hsbc-cards", "role": "excluded", "mentions": 14, "quote": "For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover", "citation": { "quote": "For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=16", "page": 16, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-black", "role": "excluded", "mentions": 15, "quote": "loss arising from any epidemic, pandemic or outbreak of an infectious disease or virus (except for loss arising from COVID-19 which is first diagnosed by a Doctor while on Your Trip)", "citation": { "quote": "loss arising from any epidemic, pandemic or outbreak of an infectious disease or virus (except for loss arising from COVID-19 which is first diagnosed by a Doctor while on Your Trip)", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=20", "page": 20, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-platinum", "role": "excluded", "mentions": 15, "quote": "loss arising from any epidemic, pandemic or outbreak of an infectious disease or virus (except for loss arising from COVID-19 which is first diagnosed by a Doctor while on Your Trip)", "citation": { "quote": "loss arising from any epidemic, pandemic or outbreak of an infectious disease or virus (except for loss arising from COVID-19 which is first diagnosed by a Doctor while on Your Trip)", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=20", "page": 20, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "mycard-cards", "role": "excluded", "mentions": 11, "quote": "For all other sections and any claim arising from, or related to, epidemics and pandemics, there is no cover", "citation": { "quote": "For all other sections and any claim arising from, or related to, epidemics and pandemics, there is no cover", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=36", "page": 36, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "nab-card-insurance", "role": "excluded", "mentions": 11, "quote": "For all other sections and any claim arising from, or related to, epidemics and pandemics, there is no cover", "citation": { "quote": "For all other sections and any claim arising from, or related to, epidemics and pandemics, there is no cover", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=74", "page": 74, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "pn-bank-cards", "role": "excluded", "mentions": 15, "quote": "loss arising from any epidemic, pandemic or outbreak of an infectious disease or virus (except for loss arising from COVID-19 which is first diagnosed by a Doctor while on Your Trip)", "citation": { "quote": "loss arising from any epidemic, pandemic or outbreak of an infectious disease or virus (except for loss arising from COVID-19 which is first diagnosed by a Doctor while on Your Trip)", "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=16", "page": 16, "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-platinum", "role": "excluded", "mentions": 16, "quote": "(b) \u0007mandatory quarantine except where you have a valid Trip Change or Curtailment claim under specified Event 1 of Section A and incur reasonable additional travel or accommodation expenses resulting from the quarantine", "citation": { "quote": "(b) \u0007mandatory quarantine except where you have a valid Trip Change or Curtailment claim under specified Event 1 of Section A and incur reasonable additional travel or accommodation expenses resulting from the quarantine", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=27", "page": 27, "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-titanium", "role": "covered", "mentions": 15, "quote": "\u0007loss arising from any epidemic, pandemic or outbreak of an infectious disease or virus (except for loss arising from COVID-19 which is covered under specified Events 1 and 2)", "citation": { "quote": "\u0007loss arising from any epidemic, pandemic or outbreak of an infectious disease or virus (except for loss arising from COVID-19 which is covered under specified Events 1 and 2)", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=27", "page": 27, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "stgeorge-cards", "role": "excluded", "mentions": 11, "quote": "For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover", "citation": { "quote": "For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=33", "page": 33, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "virgin-money-cards", "role": "excluded", "mentions": 13, "quote": "For all other sections and any claim arising from, or related to, epidemics and pandemics, there is no cover", "citation": { "quote": "For all other sections and any claim arising from, or related to, epidemics and pandemics, there is no cover", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=71", "page": 71, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "westpac-cards", "role": "excluded", "mentions": 15, "quote": "For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover", "citation": { "quote": "For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=21", "page": 21, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "australia-post", "role": "excluded", "mentions": 19, "quote": "(This exclusion only applies if the (or one of the) reason(s) for the advice was the presence of COVID-19)", "citation": { "quote": "(This exclusion only applies if the (or one of the) reason(s) for the advice was the presence of COVID-19)", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=38", "page": 38, "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "budget-direct", "role": "optional_extra", "mentions": 38, "quote": "or where You have paid the additional premium for COVID-19 Amendment or Cancellation Costs cover, the policy limit is capped at the amount shown in the benefits summary on page 6", "citation": { "quote": "or where You have paid the additional premium for COVID-19 Amendment or Cancellation Costs cover, the policy limit is capped at the amount shown in the benefits summary on page 6", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=29", "page": 29, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "cover-more", "role": "excluded", "mentions": 38, "quote": "cabin confinement claims arising from or caused by COVID-19 (whether or not You are diagnosed with COVID-19)", "citation": { "quote": "cabin confinement claims arising from or caused by COVID-19 (whether or not You are diagnosed with COVID-19)", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=43", "page": 43, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "fast-cover", "role": "excluded", "mentions": 58, "quote": "There is no cover if You are diagnosed with COVID-19 or test positive to COVID-19 within 72-hours of purchasing Your Policy", "citation": { "quote": "There is no cover if You are diagnosed with COVID-19 or test positive to COVID-19 within 72-hours of purchasing Your Policy", "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=6", "page": 6, "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "insureandgo", "role": "excluded", "mentions": 25, "quote": "Any quarantine that is imposed by a government or other official body which is not as a result of your, or your travelling companion’s, diagnosis of COVID-19", "citation": { "quote": "Any quarantine that is imposed by a government or other official body which is not as a result of your, or your travelling companion’s, diagnosis of COVID-19", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=50", "page": 50, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "medibank", "role": "excluded", "mentions": 32, "quote": "(This exclusion only applies if the (or one of the) reason(s) for the advice was the presence of COVID-19)", "citation": { "quote": "(This exclusion only applies if the (or one of the) reason(s) for the advice was the presence of COVID-19)", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=38", "page": 38, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "racv", "role": "excluded", "mentions": 20, "quote": "For all other sections and any other claim arising from, or related to Pandemics or Epidemics, cover is excluded", "citation": { "quote": "For all other sections and any other claim arising from, or related to Pandemics or Epidemics, cover is excluded", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=5", "page": 5, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "tick", "role": "excluded", "mentions": 23, "quote": "a pair of earrings, a camera body and its standard lens and accessories, or a set of golf clubs) Pandemic An epidemic that is expected to affect more than one country or declared to be a pandemic by a public health authority", "citation": { "quote": "a pair of earrings, a camera body and its standard lens and accessories, or a set of golf clubs) Pandemic An epidemic that is expected to affect more than one country or declared to be a pandemic by a public health authority", "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=51", "page": 51, "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-direct", "role": "excluded", "mentions": 18, "quote": "other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover", "citation": { "quote": "other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover", "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=13", "page": 13, "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-saver", "role": "excluded", "mentions": 14, "quote": "an Epidemic, Pandemic or outbreak of an infectious disease or any derivative or mutation of such viruses (or arising directly or indirectly from these) or the threat, or perceived threat, of any of these", "citation": { "quote": "an Epidemic, Pandemic or outbreak of an infectious disease or any derivative or mutation of such viruses (or arising directly or indirectly from these) or the threat, or perceived threat, of any of these", "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=20", "page": 20, "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "webjet", "role": "excluded", "mentions": 32, "quote": "caused by an Epidemic, Pandemic or outbreak of an infectious disease or any derivative or mutation of such viruses", "citation": { "quote": "caused by an Epidemic, Pandemic or outbreak of an infectious disease or any derivative or mutation of such viruses", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=35", "page": 35, "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "zoom", "role": "excluded", "mentions": 16, "quote": "the costs or expenses that you incurred were due to mandatory quarantine or isolation orders such as cross-border restrictions between states, countries, or regions, or if the government bans travel before or during your trip", "citation": { "quote": "the costs or expenses that you incurred were due to mandatory quarantine or isolation orders such as cross-border restrictions between states, countries, or regions, or if the government bans travel before or during your trip", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=7", "page": 7, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" } } ] }, "rental_vehicle": { "label": "Rental vehicle excess", "why_it_matters": "Sold at the counter for a daily fee; a policy that covers it makes that purchase unnecessary.", "counts": { "covered": 3, "excluded": 27, "optional_extra": 2 }, "policies": [ { "group": "cards", "slug": "amex-platinum", "role": "excluded", "mentions": 34, "quote": "Loss Damage Waiver Cover Covers loss or damage to a Rental Vehicle", "citation": { "quote": "Loss Damage Waiver Cover Covers loss or damage to a Rental Vehicle", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=16", "page": 16, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "anz-platinum-black", "role": "excluded", "mentions": 23, "quote": "you using the rental vehicle in breach of the rental vehicle agreement", "citation": { "quote": "you using the rental vehicle in breach of the rental vehicle agreement", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=76", "page": 76, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bank-of-melbourne-cards", "role": "excluded", "mentions": 21, "quote": "you using the rental vehicle in breach of the rental vehicle agreement", "citation": { "quote": "you using the rental vehicle in breach of the rental vehicle agreement", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=72", "page": 72, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "banksa-cards", "role": "excluded", "mentions": 21, "quote": "you using the rental vehicle in breach of the rental vehicle agreement", "citation": { "quote": "you using the rental vehicle in breach of the rental vehicle agreement", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=74", "page": 74, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bankwest-cards", "role": "excluded", "mentions": 14, "quote": "are the nominated driver on the rental vehicle agreement, and", "citation": { "quote": "are the nominated driver on the rental vehicle agreement, and", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=38", "page": 38, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bendigo-cards", "role": "excluded", "mentions": 22, "quote": "you using the rental vehicle in breach of the rental agreement", "citation": { "quote": "you using the rental vehicle in breach of the rental agreement", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=26", "page": 26, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "beyond-bank-cards", "role": "excluded", "mentions": 22, "quote": "damage or liability not covered under the insurance for loss or damage to the Rental Vehicle", "citation": { "quote": "damage or liability not covered under the insurance for loss or damage to the Rental Vehicle", "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=25", "page": 25, "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "cba-premium-cards", "role": "excluded", "mentions": 16, "quote": "are the nominated driver on the rental vehicle agreement, and", "citation": { "quote": "are the nominated driver on the rental vehicle agreement, and", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=31", "page": 31, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "great-southern-bank-cards", "role": "excluded", "mentions": 11, "quote": "f] if your claim arises directly or indirectly out of you operating a rental vehicle in violation of the rental agreement", "citation": { "quote": "f] if your claim arises directly or indirectly out of you operating a rental vehicle in violation of the rental agreement", "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=23", "page": 23, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "hsbc-cards", "role": "excluded", "mentions": 21, "quote": "This section does not cover items such as, but not limited to, tyres and/or windscreens, roof and underbody if they are not covered by the indemnity provided by the rental company or agency under the rental vehicle agreement to which the amount payable applies", "citation": { "quote": "This section does not cover items such as, but not limited to, tyres and/or windscreens, roof and underbody if they are not covered by the indemnity provided by the rental company or agency under the rental vehicle agreement to which the amount payable applies", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=30", "page": 30, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-black", "role": "excluded", "mentions": 21, "quote": "costs where You have not paid for the insurance for loss or damage to the Rental Vehicle option on the Rental Vehicle", "citation": { "quote": "costs where You have not paid for the insurance for loss or damage to the Rental Vehicle option on the Rental Vehicle", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=24", "page": 24, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-platinum", "role": "excluded", "mentions": 22, "quote": "costs where You have not paid for the insurance for loss or damage to the Rental Vehicle option on the Rental Vehicle", "citation": { "quote": "costs where You have not paid for the insurance for loss or damage to the Rental Vehicle option on the Rental Vehicle", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=24", "page": 24, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "mycard-cards", "role": "excluded", "mentions": 23, "quote": "you using the rental vehicle in breach of the rental agreement", "citation": { "quote": "you using the rental vehicle in breach of the rental agreement", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=32", "page": 32, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "nab-card-insurance", "role": "excluded", "mentions": 24, "quote": "you using the rental vehicle in breach of the rental agreement", "citation": { "quote": "you using the rental vehicle in breach of the rental agreement", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=65", "page": 65, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "pn-bank-cards", "role": "excluded", "mentions": 22, "quote": "costs where You have not paid for the insurance for loss or damage to the Rental Vehicle option on the Rental Vehicle", "citation": { "quote": "costs where You have not paid for the insurance for loss or damage to the Rental Vehicle option on the Rental Vehicle", "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=18", "page": 18, "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-platinum", "role": "excluded", "mentions": 22, "quote": "\u0007 amage or liability not covered under the d insurance for loss or damage to the Rental Vehicle", "citation": { "quote": "\u0007 amage or liability not covered under the d insurance for loss or damage to the Rental Vehicle", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=41", "page": 41, "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-titanium", "role": "excluded", "mentions": 22, "quote": "\u0007 damage or liability not covered under the insurance for loss or damage to the Rental Vehicle", "citation": { "quote": "\u0007 damage or liability not covered under the insurance for loss or damage to the Rental Vehicle", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=65", "page": 65, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "stgeorge-cards", "role": "excluded", "mentions": 21, "quote": "a] \u0007you using the rental vehicle in breach of the rental agreement", "citation": { "quote": "a] \u0007you using the rental vehicle in breach of the rental agreement", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=62", "page": 62, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "virgin-money-cards", "role": "excluded", "mentions": 22, "quote": "f] if your claim arises directly or indirectly out of you operating a rental vehicle in violation of the rental agreement", "citation": { "quote": "f] if your claim arises directly or indirectly out of you operating a rental vehicle in violation of the rental agreement", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=52", "page": 52, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "westpac-cards", "role": "excluded", "mentions": 16, "quote": "or g) your claim arises directly or indirectly out of you operating a rental vehicle in violation of the rental vehicle agreement", "citation": { "quote": "or g) your claim arises directly or indirectly out of you operating a rental vehicle in violation of the rental vehicle agreement", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=81", "page": 81, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "australia-post", "role": "excluded", "mentions": 10, "quote": "and \u0007c) \u0007have comprehensive motor vehicle insurance for the Rental Car for the hire period", "citation": { "quote": "and \u0007c) \u0007have comprehensive motor vehicle insurance for the Rental Car for the hire period", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=34", "page": 34, "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "budget-direct", "role": "excluded", "mentions": 6, "quote": "b) \u0007are the nominated driver on the Rental Vehicle agreement", "citation": { "quote": "b) \u0007are the nominated driver on the Rental Vehicle agreement", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=38", "page": 38, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "cover-more", "role": "excluded", "mentions": 37, "quote": "are the nominated driver on the Rental Vehicle agreement", "citation": { "quote": "are the nominated driver on the Rental Vehicle agreement", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=35", "page": 35, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "fast-cover", "role": "optional_extra", "mentions": 23, "quote": "You can purchase the Rental Vehicle Excess cover for either up to $5,000 or $8,000 with the Standard Saver, Comprehensive, Snow Sports Plus or Frequent Traveller Saver Policies by paying an additional premium", "citation": { "quote": "You can purchase the Rental Vehicle Excess cover for either up to $5,000 or $8,000 with the Standard Saver, Comprehensive, Snow Sports Plus or Frequent Traveller Saver Policies by paying an additional premium", "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=32", "page": 32, "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "insureandgo", "role": "excluded", "mentions": 7, "quote": "Any claim arising from you operating or using the Rental Car in violation of your rental agreement", "citation": { "quote": "Any claim arising from you operating or using the Rental Car in violation of your rental agreement", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=47", "page": 47, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "medibank", "role": "covered", "mentions": 10, "quote": "If the Rental Car is damaged or stolen while in Your control during the Period of Insurance We will pay the lower of the Rental Car insurance excess or the repair costs to the Rental Car that You become liable to pay", "citation": { "quote": "If the Rental Car is damaged or stolen while in Your control during the Period of Insurance We will pay the lower of the Rental Car insurance excess or the repair costs to the Rental Car that You become liable to pay", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=34", "page": 34, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "racv", "role": "covered", "mentions": 13, "quote": "We will cover all drivers accepted by the rental company and listed on Your Rental Vehicle agreement", "citation": { "quote": "We will cover all drivers accepted by the rental company and listed on Your Rental Vehicle agreement", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=23", "page": 23, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "tick", "role": "optional_extra", "mentions": 9, "quote": "If you pay an extra premium, your policy can include an excess waiver (excess eliminator) which will remove all excesses (except for increased medical excesses listed in the Table of covered sports & activities on pages 43-46)", "citation": { "quote": "If you pay an extra premium, your policy can include an excess waiver (excess eliminator) which will remove all excesses (except for increased medical excesses listed in the Table of covered sports & activities on pages 43-46)", "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=5", "page": 5, "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-direct", "role": "excluded", "mentions": 16, "quote": "the rental vehicle agreement offered by the rental company or agency specifies a maximum amount that you must pay if the rental vehicle is damaged or stolen", "citation": { "quote": "the rental vehicle agreement offered by the rental company or agency specifies a maximum amount that you must pay if the rental vehicle is damaged or stolen", "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=28", "page": 28, "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-saver", "role": "covered", "mentions": 4, "quote": "RENTAL VEHICLE INSURANCE EXCESS You are covered up to the amount shown in the Schedule of Cover for reimbursement of vehicle rental insurance excess or the cost of repairing the rental vehicle, whichever is the lower amount, if You rent a vehicle from a rental company and it is damaged or stolen", "citation": { "quote": "RENTAL VEHICLE INSURANCE EXCESS You are covered up to the amount shown in the Schedule of Cover for reimbursement of vehicle rental insurance excess or the cost of repairing the rental vehicle, whichever is the lower amount, if You rent a vehicle from a rental company and it is damaged or stolen", "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=30", "page": 30, "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "webjet", "role": "excluded", "mentions": 8, "quote": "b) \u0007are the nominated driver on the Rental Car agreement", "citation": { "quote": "b) \u0007are the nominated driver on the Rental Car agreement", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=33", "page": 33, "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "zoom", "role": "excluded", "mentions": 17, "quote": "16.2 WE WILL NOT PAY We will not pay a claim involving the theft or damage to your rental vehicle if claim arises from your operating or using the rental vehicle", "citation": { "quote": "16.2 WE WILL NOT PAY We will not pay a claim involving the theft or damage to your rental vehicle if claim arises from your operating or using the rental vehicle", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=51", "page": 51, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" } } ] }, "one_way": { "label": "One-way travel", "why_it_matters": "A traveller moving overseas, or leaving with no return booked, is outside most of these policies entirely rather than merely limited by them.", "counts": { "covered": 7, "excluded": 10, "mentioned": 15 }, "policies": [ { "group": "cards", "slug": "amex-platinum", "role": "excluded", "mentions": 5, "quote": "It does not cover One-Way Trips where You have no plans to return to Australia", "citation": { "quote": "It does not cover One-Way Trips where You have no plans to return to Australia", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=7", "page": 7, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "anz-platinum-black", "role": "covered", "mentions": 8, "quote": "If you have a return overseas travel ticket and during your period of cover your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control", "citation": { "quote": "If you have a return overseas travel ticket and during your period of cover your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=23", "page": 23, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bank-of-melbourne-cards", "role": "excluded", "mentions": 13, "quote": "If after you have met the eligiblity criteria set out in Part A – Eligibility for Cover, including having a return overseas travel ticket or you intend to obtain a return overseas travel ticket before leaving Australia, and up until the end of the period of cover available for your journey (where the claim is not covered elsewhere in this International Travel Insurance), cover is available for", "citation": { "quote": "If after you have met the eligiblity criteria set out in Part A – Eligibility for Cover, including having a return overseas travel ticket or you intend to obtain a return overseas travel ticket before leaving Australia, and up until the end of the period of cover available for your journey (where the claim is not covered elsewhere in this International Travel Insurance), cover is available for", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=40", "page": 40, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "banksa-cards", "role": "excluded", "mentions": 12, "quote": "If after you have met the eligibility criteria set out in Part A – Eligibility for Cover, including having a return overseas travel ticket or you intend to obtain a return overseas travel ticket before leaving Australia, and up until the end of the period of cover available for your journey (where the claim is not covered elsewhere in this International Travel Insurance), cover is available for", "citation": { "quote": "If after you have met the eligibility criteria set out in Part A – Eligibility for Cover, including having a return overseas travel ticket or you intend to obtain a return overseas travel ticket before leaving Australia, and up until the end of the period of cover available for your journey (where the claim is not covered elsewhere in this International Travel Insurance), cover is available for", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=41", "page": 41, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bankwest-cards", "role": "mentioned", "mentions": 4, "quote": "Cover applies for the maximum consecutive duration shown, for an overseas journey commencing from the departure date shown on the cardholder’s return overseas travel ticket", "citation": { "quote": "Cover applies for the maximum consecutive duration shown, for an overseas journey commencing from the departure date shown on the cardholder’s return overseas travel ticket", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=8", "page": 8, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bendigo-cards", "role": "covered", "mentions": 12, "quote": "If you have a return overseas travel ticket and your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control", "citation": { "quote": "If you have a return overseas travel ticket and your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=11", "page": 11, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "beyond-bank-cards", "role": "mentioned", "mentions": 3, "quote": "any One-Way Trip where You are unable to provide reasonable evidence of Your intention to return to Your Home or Your Work", "citation": { "quote": "any One-Way Trip where You are unable to provide reasonable evidence of Your intention to return to Your Home or Your Work", "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=27", "page": 27, "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "cba-premium-cards", "role": "mentioned", "mentions": 5, "quote": "When the cardholder cancels their return overseas travel ticket", "citation": { "quote": "When the cardholder cancels their return overseas travel ticket", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=17", "page": 17, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "great-southern-bank-cards", "role": "covered", "mentions": 11, "quote": "If you have a return overseas travel ticket and your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control", "citation": { "quote": "If you have a return overseas travel ticket and your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control", "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=11", "page": 11, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "hsbc-cards", "role": "covered", "mentions": 14, "quote": "If you have a return overseas travel ticket and during your period of cover your return to Australia is delayed due to an event that is covered under the policy, or because your scheduled means of transport is delayed for reasons beyond your control", "citation": { "quote": "If you have a return overseas travel ticket and during your period of cover your return to Australia is delayed due to an event that is covered under the policy, or because your scheduled means of transport is delayed for reasons beyond your control", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=11", "page": 11, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-black", "role": "excluded", "mentions": 5, "quote": "It does not cover One-Way Trips where You have no plans to return to Australia", "citation": { "quote": "It does not cover One-Way Trips where You have no plans to return to Australia", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=10", "page": 10, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-platinum", "role": "excluded", "mentions": 5, "quote": "It does not cover One-Way Trips where You have no plans to return to Australia", "citation": { "quote": "It does not cover One-Way Trips where You have no plans to return to Australia", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=10", "page": 10, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "mycard-cards", "role": "covered", "mentions": 11, "quote": "If you have a return overseas travel ticket and during your period of cover your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control", "citation": { "quote": "If you have a return overseas travel ticket and during your period of cover your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=12", "page": 12, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "nab-card-insurance", "role": "covered", "mentions": 9, "quote": "If you have a return overseas travel ticket and during your period of cover your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control", "citation": { "quote": "If you have a return overseas travel ticket and during your period of cover your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=25", "page": 25, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "pn-bank-cards", "role": "excluded", "mentions": 3, "quote": "any One-Way Trip where You are unable to provide reasonable evidence of Your intention to return to Your Home or Your Work", "citation": { "quote": "any One-Way Trip where You are unable to provide reasonable evidence of Your intention to return to Your Home or Your Work", "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=33", "page": 33, "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-platinum", "role": "excluded", "mentions": 5, "quote": "It does not cover One-Way Trips where you have no plans to return to Australia", "citation": { "quote": "It does not cover One-Way Trips where you have no plans to return to Australia", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=11", "page": 11, "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-titanium", "role": "excluded", "mentions": 5, "quote": "It does not cover One-Way Trips where you have no plans to return to Australia", "citation": { "quote": "It does not cover One-Way Trips where you have no plans to return to Australia", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=16", "page": 16, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "stgeorge-cards", "role": "mentioned", "mentions": 11, "quote": "when you cancel your return overseas travel ticket", "citation": { "quote": "when you cancel your return overseas travel ticket", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=23", "page": 23, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "virgin-money-cards", "role": "covered", "mentions": 11, "quote": "If you have a return overseas travel ticket and during your period of cover your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control", "citation": { "quote": "If you have a return overseas travel ticket and during your period of cover your return to Australia is delayed due to an event that is covered under this policy, or because your scheduled means of transport is delayed for reasons beyond your control", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=22", "page": 22, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "westpac-cards", "role": "mentioned", "mentions": 7, "quote": "you have a return overseas travel ticket before leaving Australia", "citation": { "quote": "you have a return overseas travel ticket before leaving Australia", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=16", "page": 16, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "australia-post", "role": "mentioned", "mentions": 1, "quote": "e) \u0007If You do not hold a return airline ticket an amount equal to the cost of an economy class one way ticket will be deducted from Your claim for repatriation expenses", "citation": { "quote": "e) \u0007If You do not hold a return airline ticket an amount equal to the cost of an economy class one way ticket will be deducted from Your claim for repatriation expenses", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=25", "page": 25, "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "budget-direct", "role": "mentioned", "mentions": 1, "quote": "e) \u0007If You do not hold a return airline ticket an amount equal to the cost of an economy class one way ticket will be deducted from Your claim for repatriation expenses", "citation": { "quote": "e) \u0007If You do not hold a return airline ticket an amount equal to the cost of an economy class one way ticket will be deducted from Your claim for repatriation expenses", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=30", "page": 30, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "cover-more", "role": "mentioned", "mentions": 1, "quote": "If You do not hold a return airline ticket an amount equal to the cost of an economy class one way ticket will be deducted from Your claim for repatriation expenses", "citation": { "quote": "If You do not hold a return airline ticket an amount equal to the cost of an economy class one way ticket will be deducted from Your claim for repatriation expenses", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=28", "page": 28, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "fast-cover", "role": "mentioned", "mentions": 2, "quote": "If You need to return to Your Home and do not hold a return ticket, We will reduce the amount of Your claim by the price of the new fare", "citation": { "quote": "If You need to return to Your Home and do not hold a return ticket, We will reduce the amount of Your claim by the price of the new fare", "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=90", "page": 90, "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "insureandgo", "role": "mentioned", "mentions": 7, "quote": "If the claim relates to your return travel to Australia and you do not hold a return ticket, we will deduct from your claim an amount equal to your original carriers published one way airfare (based on the same class of travel as that paid by you for your outward trip) for the route used for your return", "citation": { "quote": "If the claim relates to your return travel to Australia and you do not hold a return ticket, we will deduct from your claim an amount equal to your original carriers published one way airfare (based on the same class of travel as that paid by you for your outward trip) for the route used for your return", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=35", "page": 35, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "medibank", "role": "mentioned", "mentions": 1, "quote": "\u0007If You do not hold a return airline ticket an amount equal to the cost of an economy class one way ticket will be deducted from Your claim for repatriation expenses", "citation": { "quote": "\u0007If You do not hold a return airline ticket an amount equal to the cost of an economy class one way ticket will be deducted from Your claim for repatriation expenses", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=25", "page": 25, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "racv", "role": "excluded", "mentions": 5, "quote": "1.10 The cost of a return ticket if You have not purchased a return air ticket to Australia", "citation": { "quote": "1.10 The cost of a return ticket if You have not purchased a return air ticket to Australia", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=17", "page": 17, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "tick", "role": "mentioned", "mentions": 7, "quote": "If the claim relates to your return travel to Australia and you do not hold a return ticket, we will deduct from your claim an amount equal to your original carriers published one way airfare (based on the same class of travel as that paid by you for your outward trip) for the route used for your return", "citation": { "quote": "If the claim relates to your return travel to Australia and you do not hold a return ticket, we will deduct from your claim an amount equal to your original carriers published one way airfare (based on the same class of travel as that paid by you for your outward trip) for the route used for your return", "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=24", "page": 24, "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-direct", "role": "mentioned", "mentions": 1, "quote": "If we pay your claim for additional travel expenses to return to your home and you do not have a return ticket booked to Australia before the event causing your claim occurred, we will reduce the amount of your claim by the price of the fare to Australia from the place you planned to return to Australia from", "citation": { "quote": "If we pay your claim for additional travel expenses to return to your home and you do not have a return ticket booked to Australia before the event causing your claim occurred, we will reduce the amount of your claim by the price of the fare to Australia from the place you planned to return to Australia from", "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=25", "page": 25, "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-saver", "role": "excluded", "mentions": 3, "quote": "than 3 months and to where You will be repatriated if medically necessary except for medical repatriation under a one way travel policy", "citation": { "quote": "than 3 months and to where You will be repatriated if medically necessary except for medical repatriation under a one way travel policy", "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=17", "page": 17, "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "webjet", "role": "mentioned", "mentions": 1, "quote": "e) \u0007If You do not hold a return airline ticket an amount equal to the cost of an economy class one way ticket will be deducted from Your claim for repatriation expenses", "citation": { "quote": "e) \u0007If You do not hold a return airline ticket an amount equal to the cost of an economy class one way ticket will be deducted from Your claim for repatriation expenses", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=25", "page": 25, "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "zoom", "role": "mentioned", "mentions": 1, "quote": "c) If you do not have a return ticket booked to Australia before you were injured or became sick, we will reduce the amount of your claim by the price of the fare to Australia from the place you planned to return to Australia from", "citation": { "quote": "c) If you do not have a return ticket booked to Australia before you were injured or became sick, we will reduce the amount of your claim by the price of the fare to Australia from the place you planned to return to Australia from", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=33", "page": 33, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" } } ] }, "pregnancy": { "label": "Pregnancy and childbirth", "why_it_matters": "Policies differ on the week of gestation at which cover stops, and on whether the pregnancy had to be free of complications.", "counts": { "covered": 1, "excluded": 20, "mentioned": 2, "optional_extra": 9 }, "policies": [ { "group": "cards", "slug": "amex-platinum", "role": "excluded", "mentions": 15, "quote": "Pregnancy and Childbirth Exclusions We will not pay for or reimburse any costs under any section of this Policy arising from or relating to", "citation": { "quote": "Pregnancy and Childbirth Exclusions We will not pay for or reimburse any costs under any section of this Policy arising from or relating to", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=43", "page": 43, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "anz-platinum-black", "role": "excluded", "mentions": 21, "quote": "any expenses related to your pregnancy arising after the end of the 26th week of your pregnancy (the 26th week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician)", "citation": { "quote": "any expenses related to your pregnancy arising after the end of the 26th week of your pregnancy (the 26th week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician)", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=34", "page": 34, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bank-of-melbourne-cards", "role": "excluded", "mentions": 24, "quote": "any expenses related to your pregnancy arising after the end of the twenty sixth (26th) week of your pregnancy (the twenty sixth (26th) week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician)", "citation": { "quote": "any expenses related to your pregnancy arising after the end of the twenty sixth (26th) week of your pregnancy (the twenty sixth (26th) week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician)", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31", "page": 31, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "banksa-cards", "role": "excluded", "mentions": 24, "quote": "any expenses related to your pregnancy arising after the end of the twenty sixth (26th) week of your pregnancy (the twenty sixth (26th) week of your pregnancy is 32", "citation": { "quote": "any expenses related to your pregnancy arising after the end of the twenty sixth (26th) week of your pregnancy (the twenty sixth (26th) week of your pregnancy is 32", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=32", "page": 32, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bankwest-cards", "role": "optional_extra", "mentions": 10, "quote": "This exclusion will be waived to the extent that cover is provided if you applied for, and we accepted, cover and you paid the extra premium for your pregnancy", "citation": { "quote": "This exclusion will be waived to the extent that cover is provided if you applied for, and we accepted, cover and you paid the extra premium for your pregnancy", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=28", "page": 28, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bendigo-cards", "role": "excluded", "mentions": 20, "quote": "any expenses related to your pregnancy arising after the end of the 26th week of your pregnancy (the 26th week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician)", "citation": { "quote": "any expenses related to your pregnancy arising after the end of the 26th week of your pregnancy (the 26th week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician)", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=15", "page": 15, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "beyond-bank-cards", "role": "excluded", "mentions": 17, "quote": "c) Your pregnancy, if after the end of the 23rd week of Your pregnancy", "citation": { "quote": "c) Your pregnancy, if after the end of the 23rd week of Your pregnancy", "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=7", "page": 7, "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "cba-premium-cards", "role": "optional_extra", "mentions": 8, "quote": "The cover provided under the Upgrade is in respect of your pregnancy (only) for unexpected serious medical complications arising before the start of the 24th week of pregnancy", "citation": { "quote": "The cover provided under the Upgrade is in respect of your pregnancy (only) for unexpected serious medical complications arising before the start of the 24th week of pregnancy", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=19", "page": 19, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "great-southern-bank-cards", "role": "excluded", "mentions": 20, "quote": "any expenses related to your pregnancy arising after the end of the 26th week of your pregnancy (the 26th week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician)", "citation": { "quote": "any expenses related to your pregnancy arising after the end of the 26th week of your pregnancy (the 26th week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician)", "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=15", "page": 15, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "hsbc-cards", "role": "excluded", "mentions": 26, "quote": "No cover is available for the childbirth, care of the newborn child or any expenses related to your pregnancy", "citation": { "quote": "No cover is available for the childbirth, care of the newborn child or any expenses related to your pregnancy", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=17", "page": 17, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-black", "role": "excluded", "mentions": 14, "quote": "any past medical condition(s) relating to a previous pregnancy or if You have experienced pregnancy complications prior to You making Your Relevant Travel Purchase", "citation": { "quote": "any past medical condition(s) relating to a previous pregnancy or if You have experienced pregnancy complications prior to You making Your Relevant Travel Purchase", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=9", "page": 9, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-platinum", "role": "excluded", "mentions": 13, "quote": "any past medical condition(s) relating to a previous pregnancy or if You have experienced pregnancy complications prior to You making Your Relevant Travel Purchase", "citation": { "quote": "any past medical condition(s) relating to a previous pregnancy or if You have experienced pregnancy complications prior to You making Your Relevant Travel Purchase", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=9", "page": 9, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "mycard-cards", "role": "excluded", "mentions": 21, "quote": "No cover is available for the childbirth, care of the newborn child or any expenses related to your pregnancy", "citation": { "quote": "No cover is available for the childbirth, care of the newborn child or any expenses related to your pregnancy", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=18", "page": 18, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "nab-card-insurance", "role": "excluded", "mentions": 21, "quote": "any expenses related to your pregnancy arising after the end of the 26th week of your pregnancy (the 26th week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician)", "citation": { "quote": "any expenses related to your pregnancy arising after the end of the 26th week of your pregnancy (the 26th week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician)", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=36", "page": 36, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "pn-bank-cards", "role": "excluded", "mentions": 17, "quote": "(b) any past medical condition(s) relating to a previous pregnancy or if You have experienced pregnancy", "citation": { "quote": "(b) any past medical condition(s) relating to a previous pregnancy or if You have experienced pregnancy", "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=8", "page": 8, "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-platinum", "role": "excluded", "mentions": 16, "quote": "(c) \u0007your pregnancy, if after the end of the 23rd week of your pregnancy", "citation": { "quote": "(c) \u0007your pregnancy, if after the end of the 23rd week of your pregnancy", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=10", "page": 10, "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-titanium", "role": "excluded", "mentions": 16, "quote": "(c) \u0007your pregnancy, if after the end of the 23rd week of your pregnancy", "citation": { "quote": "(c) \u0007your pregnancy, if after the end of the 23rd week of your pregnancy", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=15", "page": 15, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "stgeorge-cards", "role": "excluded", "mentions": 24, "quote": "any expenses related to your pregnancy arising after the end of the twenty sixth (26th) week of your pregnancy (the twenty sixth (26th) week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician)", "citation": { "quote": "any expenses related to your pregnancy arising after the end of the twenty sixth (26th) week of your pregnancy (the twenty sixth (26th) week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician)", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=36", "page": 36, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "virgin-money-cards", "role": "excluded", "mentions": 22, "quote": "any expenses related to your pregnancy arising after the end of the 26th week of your pregnancy (the 26th week of your pregnancy is calculated", "citation": { "quote": "any expenses related to your pregnancy arising after the end of the 26th week of your pregnancy (the 26th week of your pregnancy is calculated", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=34", "page": 34, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "westpac-cards", "role": "optional_extra", "mentions": 31, "quote": "However, you may consider purchasing an upgrade to a Comprehensive International Travel Insurance and apply to include cover under it for claims arising directly or indirectly from your pregnancy by completing our medical assessment", "citation": { "quote": "However, you may consider purchasing an upgrade to a Comprehensive International Travel Insurance and apply to include cover under it for claims arising directly or indirectly from your pregnancy by completing our medical assessment", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=21", "page": 21, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "australia-post", "role": "optional_extra", "mentions": 17, "quote": "\u0007If We are able to approve cover for the condition(s) or pregnancy You must pay an extra premium to Us", "citation": { "quote": "\u0007If We are able to approve cover for the condition(s) or pregnancy You must pay an extra premium to Us", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=25", "page": 25, "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "budget-direct", "role": "optional_extra", "mentions": 18, "quote": "\u0007If We are able to approve cover for the condition(s) or pregnancy You must pay an additional premium to Us", "citation": { "quote": "\u0007If We are able to approve cover for the condition(s) or pregnancy You must pay an additional premium to Us", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=30", "page": 30, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "cover-more", "role": "optional_extra", "mentions": 19, "quote": "If We are able to approve cover for the condition(s) or pregnancy You must pay an extra premium to Us", "citation": { "quote": "If We are able to approve cover for the condition(s) or pregnancy You must pay an extra premium to Us", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=27", "page": 27, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "fast-cover", "role": "excluded", "mentions": 47, "quote": "or o 19th week of pregnancy with multiple children,", "citation": { "quote": "or o 19th week of pregnancy with multiple children,", "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=20", "page": 20, "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "insureandgo", "role": "mentioned", "mentions": 15, "quote": "Any claim that comes from pregnancy or childbirth, unless a qualified medical practitioner confirms that the claim comes from complications of pregnancy and childbirth", "citation": { "quote": "Any claim that comes from pregnancy or childbirth, unless a qualified medical practitioner confirms that the claim comes from complications of pregnancy and childbirth", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=34", "page": 34, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "medibank", "role": "optional_extra", "mentions": 18, "quote": "\u0007If We are able to approve cover for the condition(s) or pregnancy You must pay an extra premium to Us", "citation": { "quote": "\u0007If We are able to approve cover for the condition(s) or pregnancy You must pay an extra premium to Us", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=24", "page": 24, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "racv", "role": "optional_extra", "mentions": 16, "quote": "Associated with pregnancy, childbirth or related complication except as provided for on pages 9–11 under the ‘Medical Conditions’ section, and if required where an additional Premium has been paid", "citation": { "quote": "Associated with pregnancy, childbirth or related complication except as provided for on pages 9–11 under the ‘Medical Conditions’ section, and if required where an additional Premium has been paid", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=31", "page": 31, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "tick", "role": "mentioned", "mentions": 16, "quote": "Any claim that comes from pregnancy or childbirth, unless a qualified medical practitioner confirms that the claim comes from complications of pregnancy and childbirth", "citation": { "quote": "Any claim that comes from pregnancy or childbirth, unless a qualified medical practitioner confirms that the claim comes from complications of pregnancy and childbirth", "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=23", "page": 23, "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-direct", "role": "excluded", "mentions": 23, "quote": "childbirth at any stage of your pregnancy or costs relating to the care or health of a newborn child, other than as a result of an accident occurring prior to the 24th week of your pregnancy which", "citation": { "quote": "childbirth at any stage of your pregnancy or costs relating to the care or health of a newborn child, other than as a result of an accident occurring prior to the 24th week of your pregnancy which", "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=14", "page": 14, "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-saver", "role": "excluded", "mentions": 9, "quote": "or the pregnancy is the result of assisted reproductive programs", "citation": { "quote": "or the pregnancy is the result of assisted reproductive programs", "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=20", "page": 20, "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "webjet", "role": "optional_extra", "mentions": 19, "quote": "\u0007If We are able to approve cover for the condition(s) or pregnancy You must pay an extra premium to Us", "citation": { "quote": "\u0007If We are able to approve cover for the condition(s) or pregnancy You must pay an extra premium to Us", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=24", "page": 24, "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "zoom", "role": "covered", "mentions": 11, "quote": "PREGNANCY If you are pregnant when you take out the policy or fall pregnant afterwards, you are covered under the policy for serious unexpected and new pregnancy complications that occur up until and inclusive of the end of the 24th week of a single pregnancy, or the end of the 19th week for a multiple pregnancy", "citation": { "quote": "PREGNANCY If you are pregnant when you take out the policy or fall pregnant afterwards, you are covered under the policy for serious unexpected and new pregnancy complications that occur up until and inclusive of the end of the 24th week of a single pregnancy, or the end of the 19th week for a multiple pregnancy", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=28", "page": 28, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" } } ] }, "alcohol_drugs": { "label": "Alcohol and drugs", "why_it_matters": "Almost every policy excludes something here, and the threshold differs: some name a blood alcohol limit, others say nothing measurable at all.", "counts": { "excluded": 10, "mentioned": 22 }, "policies": [ { "group": "cards", "slug": "amex-platinum", "role": "mentioned", "mentions": 3, "quote": "being under the influence of alcohol whilst operating a motor vehicle, where You have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing authority, or at all other times having a recorded blood alcohol concentration (BAC) greater than 0.10%", "citation": { "quote": "being under the influence of alcohol whilst operating a motor vehicle, where You have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing authority, or at all other times having a recorded blood alcohol concentration (BAC) greater than 0.10%", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=43", "page": 43, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "anz-platinum-black", "role": "excluded", "mentions": 5, "quote": "you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions", "citation": { "quote": "you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=30", "page": 30, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bank-of-melbourne-cards", "role": "excluded", "mentions": 5, "quote": "your use of alcohol or drugs or any transmissible disease as a result of giving or taking a drug, unless the use of the drug is supervised by a medical adviser", "citation": { "quote": "your use of alcohol or drugs or any transmissible disease as a result of giving or taking a drug, unless the use of the drug is supervised by a medical adviser", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=63", "page": 63, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "banksa-cards", "role": "excluded", "mentions": 5, "quote": "your use of alcohol or drugs or any transmissible disease as a result of giving or taking a drug, unless the use of the drug is supervised by a medical adviser", "citation": { "quote": "your use of alcohol or drugs or any transmissible disease as a result of giving or taking a drug, unless the use of the drug is supervised by a medical adviser", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=65", "page": 65, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bankwest-cards", "role": "excluded", "mentions": 7, "quote": "expenses arising from any disease that is transmitted when giving or taking a drug, unless the giving or taking of the drug is supervised by a medical practitioner and the disease is not excluded anywhere else in this cover", "citation": { "quote": "expenses arising from any disease that is transmitted when giving or taking a drug, unless the giving or taking of the drug is supervised by a medical practitioner and the disease is not excluded anywhere else in this cover", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=32", "page": 32, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bendigo-cards", "role": "mentioned", "mentions": 5, "quote": "a claim arising from, or caused, or contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions", "citation": { "quote": "a claim arising from, or caused, or contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=13", "page": 13, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "beyond-bank-cards", "role": "mentioned", "mentions": 3, "quote": "being under the influence of alcohol, where You have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing 12", "citation": { "quote": "being under the influence of alcohol, where You have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing 12", "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=27", "page": 27, "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "cba-premium-cards", "role": "excluded", "mentions": 6, "quote": "(The level of alcohol in your blood is called blood alcohol concentration (BAC)", "citation": { "quote": "(The level of alcohol in your blood is called blood alcohol concentration (BAC)", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=20", "page": 20, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "great-southern-bank-cards", "role": "mentioned", "mentions": 3, "quote": "a claim arising from, or caused, or contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions", "citation": { "quote": "a claim arising from, or caused, or contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions", "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=13", "page": 13, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "hsbc-cards", "role": "mentioned", "mentions": 5, "quote": "\u0007your claim arises from, or is caused, or is contributed to, by you being affected by an intoxication liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical advised, and taken in accordance with their instructions", "citation": { "quote": "\u0007your claim arises from, or is caused, or is contributed to, by you being affected by an intoxication liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical advised, and taken in accordance with their instructions", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=14", "page": 14, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-black", "role": "mentioned", "mentions": 4, "quote": "being under the influence of alcohol, whilst operating a motor vehicle, where You have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing authority or at all other times having recorded a blood alcohol concentration (BAC) greater than 0.10%", "citation": { "quote": "being under the influence of alcohol, whilst operating a motor vehicle, where You have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing authority or at all other times having recorded a blood alcohol concentration (BAC) greater than 0.10%", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=54", "page": 54, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-platinum", "role": "mentioned", "mentions": 4, "quote": "being under the influence of alcohol, whilst operating a motor vehicle, where You have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing authority or at all other times having recorded a blood alcohol concentration (BAC) greater than 0.10%", "citation": { "quote": "being under the influence of alcohol, whilst operating a motor vehicle, where You have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing authority or at all other times having recorded a blood alcohol concentration (BAC) greater than 0.10%", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=54", "page": 54, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "mycard-cards", "role": "mentioned", "mentions": 5, "quote": "\u0007a claim arising from, or caused, or contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions", "citation": { "quote": "\u0007a claim arising from, or caused, or contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=15", "page": 15, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "nab-card-insurance", "role": "mentioned", "mentions": 5, "quote": "a claim arising from, or caused, or contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions", "citation": { "quote": "a claim arising from, or caused, or contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=31", "page": 31, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "pn-bank-cards", "role": "excluded", "mentions": 3, "quote": "taking of any drug, medication, narcotic or hallucinogen, unless as prescribed by a Doctor and taken in accordance with the prescription and Doctors’ advice but is not for the treatment of addiction to illegal drugs", "citation": { "quote": "taking of any drug, medication, narcotic or hallucinogen, unless as prescribed by a Doctor and taken in accordance with the prescription and Doctors’ advice but is not for the treatment of addiction to illegal drugs", "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=33", "page": 33, "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-platinum", "role": "mentioned", "mentions": 3, "quote": "\u0007being under the influence of alcohol, where you have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing authority whilst operating a motor vehicle, or at all other times having recorded a blood alcohol concentration (BAC) greater than 0.10%", "citation": { "quote": "\u0007being under the influence of alcohol, where you have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing authority whilst operating a motor vehicle, or at all other times having recorded a blood alcohol concentration (BAC) greater than 0.10%", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=42", "page": 42, "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-titanium", "role": "mentioned", "mentions": 4, "quote": "\u0007 being under the influence of alcohol, where you have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing authority whilst operating a motor vehicle, or at all other times having recorded a blood alcohol concentration (BAC) greater than 0.10%", "citation": { "quote": "\u0007 being under the influence of alcohol, where you have a recorded blood alcohol concentration (BAC) greater than the limit prescribed by the applicable governing authority whilst operating a motor vehicle, or at all other times having recorded a blood alcohol concentration (BAC) greater than 0.10%", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=70", "page": 70, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "stgeorge-cards", "role": "mentioned", "mentions": 5, "quote": "\u0007your use of alcohol or drugs or any transmissible disease as a result of giving or taking a drug, unless the use of the drug is supervised by a medical adviser", "citation": { "quote": "\u0007your use of alcohol or drugs or any transmissible disease as a result of giving or taking a drug, unless the use of the drug is supervised by a medical adviser", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=73", "page": 73, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "virgin-money-cards", "role": "mentioned", "mentions": 5, "quote": "\u0007a claim arising from, or caused, or contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions", "citation": { "quote": "\u0007a claim arising from, or caused, or contributed to, by you being affected by any intoxicating liquor or drug to the extent that your physical, or mental functions, or your judgement are impaired, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=29", "page": 29, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "westpac-cards", "role": "excluded", "mentions": 4, "quote": "a therapeutic or illicit drug, substance or alcohol addiction suffered by you or any other person", "citation": { "quote": "a therapeutic or illicit drug, substance or alcohol addiction suffered by you or any other person", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=38", "page": 38, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "australia-post", "role": "mentioned", "mentions": 6, "quote": "\u0007conditions involving drug or alcohol dependency", "citation": { "quote": "\u0007conditions involving drug or alcohol dependency", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11", "page": 11, "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "budget-direct", "role": "mentioned", "mentions": 6, "quote": "conditions involving drug or alcohol dependency", "citation": { "quote": "conditions involving drug or alcohol dependency", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16", "page": 16, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "cover-more", "role": "mentioned", "mentions": 6, "quote": "conditions involving drug or alcohol dependency", "citation": { "quote": "conditions involving drug or alcohol dependency", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=17", "page": 17, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "fast-cover", "role": "mentioned", "mentions": 5, "quote": "If You were under the influence of drugs or alcohol", "citation": { "quote": "If You were under the influence of drugs or alcohol", "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=85", "page": 85, "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "insureandgo", "role": "excluded", "mentions": 4, "quote": "Any claim arising from you, your partner, relative or your travelling companion using drugs other than as advised by your treating medical professional", "citation": { "quote": "Any claim arising from you, your partner, relative or your travelling companion using drugs other than as advised by your treating medical professional", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=35", "page": 35, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "medibank", "role": "mentioned", "mentions": 6, "quote": "conditions involving drug or alcohol dependency", "citation": { "quote": "conditions involving drug or alcohol dependency", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11", "page": 11, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "racv", "role": "mentioned", "mentions": 6, "quote": "You cause or contribute to any injury, loss or damage due to You being under the influence of alcohol or drugs where", "citation": { "quote": "You cause or contribute to any injury, loss or damage due to You being under the influence of alcohol or drugs where", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=31", "page": 31, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "tick", "role": "excluded", "mentions": 4, "quote": "a) due to driving while under the influence of drugs or alcohol", "citation": { "quote": "a) due to driving while under the influence of drugs or alcohol", "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=37", "page": 37, "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-direct", "role": "excluded", "mentions": 4, "quote": "or a therapeutic or illicit drug, substance or alcohol addiction suffered by you or any other person", "citation": { "quote": "or a therapeutic or illicit drug, substance or alcohol addiction suffered by you or any other person", "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=37", "page": 37, "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-saver", "role": "mentioned", "mentions": 2, "quote": "Under the influence of alcohol or other drugs having a blood alcohol content over the prescribed legal limit whilst driving, or being under the influence of non-prescription drugs unless it was prescribed by a doctor and taken in accordance with the doctors advice", "citation": { "quote": "Under the influence of alcohol or other drugs having a blood alcohol content over the prescribed legal limit whilst driving, or being under the influence of non-prescription drugs unless it was prescribed by a doctor and taken in accordance with the doctors advice", "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=34", "page": 34, "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "webjet", "role": "mentioned", "mentions": 6, "quote": "conditions involving drug or alcohol dependency", "citation": { "quote": "conditions involving drug or alcohol dependency", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=11", "page": 11, "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "zoom", "role": "mentioned", "mentions": 4, "quote": "You were under the influence or addicted to intoxicating liquor or drugs, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions", "citation": { "quote": "You were under the influence or addicted to intoxicating liquor or drugs, except a drug prescribed to you by a medical adviser, and taken in accordance with their instructions", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=69", "page": 69, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" } } ] }, "mental_health": { "label": "Mental health", "why_it_matters": "Still excluded outright by some policies and covered by others, which is a genuine difference in what is being bought.", "counts": { "excluded": 2, "mentioned": 30 }, "policies": [ { "group": "cards", "slug": "amex-platinum", "role": "mentioned", "mentions": 1, "quote": "brain (other than a mental health–related condition)", "citation": { "quote": "brain (other than a mental health–related condition)", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=24", "page": 24, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "anz-platinum-black", "role": "mentioned", "mentions": 2, "quote": "any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (Used by clinicians and psychiatrists to diagnose psychiatric illnesses", "citation": { "quote": "any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (Used by clinicians and psychiatrists to diagnose psychiatric illnesses", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=16", "page": 16, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bank-of-melbourne-cards", "role": "mentioned", "mentions": 2, "quote": "“mental illness” any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses – see www.psychiatry.org/psychiatrists/ practice/dsm or consult your medical adviser)", "citation": { "quote": "“mental illness” any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses – see www.psychiatry.org/psychiatrists/ practice/dsm or consult your medical adviser)", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=14", "page": 14, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "banksa-cards", "role": "mentioned", "mentions": 2, "quote": "any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses", "citation": { "quote": "any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=15", "page": 15, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bankwest-cards", "role": "mentioned", "mentions": 6, "quote": "you have not been diagnosed with Depression in the last 3 years", "citation": { "quote": "you have not been diagnosed with Depression in the last 3 years", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24", "page": 24, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bendigo-cards", "role": "mentioned", "mentions": 2, "quote": "any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses", "citation": { "quote": "any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=7", "page": 7, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "beyond-bank-cards", "role": "mentioned", "mentions": 1, "quote": "brain (other than a mental health related condition)", "citation": { "quote": "brain (other than a mental health related condition)", "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=11", "page": 11, "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "cba-premium-cards", "role": "mentioned", "mentions": 6, "quote": "you have not been diagnosed with Depression in the last 3 years", "citation": { "quote": "you have not been diagnosed with Depression in the last 3 years", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12", "page": 12, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "great-southern-bank-cards", "role": "mentioned", "mentions": 2, "quote": "any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (Used by clinicians and psychiatrists to diagnose psychiatric illnesses", "citation": { "quote": "any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (Used by clinicians and psychiatrists to diagnose psychiatric illnesses", "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=7", "page": 7, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "hsbc-cards", "role": "mentioned", "mentions": 2, "quote": "any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (Used by clinicians and psychiatrists to diagnose psychiatric illnesses", "citation": { "quote": "any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (Used by clinicians and psychiatrists to diagnose psychiatric illnesses", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=8", "page": 8, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-black", "role": "mentioned", "mentions": 1, "quote": "brain (other than a mental health related condition)", "citation": { "quote": "brain (other than a mental health related condition)", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=17", "page": 17, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-platinum", "role": "mentioned", "mentions": 1, "quote": "brain (other than a mental health related condition)", "citation": { "quote": "brain (other than a mental health related condition)", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=17", "page": 17, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "mycard-cards", "role": "mentioned", "mentions": 2, "quote": "mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses", "citation": { "quote": "mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=8", "page": 8, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "nab-card-insurance", "role": "mentioned", "mentions": 2, "quote": "mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses", "citation": { "quote": "mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=17", "page": 17, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "pn-bank-cards", "role": "mentioned", "mentions": 1, "quote": "(ii) brain (other than a mental health related condition)", "citation": { "quote": "(ii) brain (other than a mental health related condition)", "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=13", "page": 13, "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-platinum", "role": "mentioned", "mentions": 1, "quote": "\u0007brain (other than a mental health related condition)", "citation": { "quote": "\u0007brain (other than a mental health related condition)", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=15", "page": 15, "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-titanium", "role": "mentioned", "mentions": 1, "quote": "\u0007brain (other than a mental health related condition)", "citation": { "quote": "\u0007brain (other than a mental health related condition)", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=22", "page": 22, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "stgeorge-cards", "role": "mentioned", "mentions": 2, "quote": "any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses – see psychiatry.org/psychiatrists/practice/dsm or consult your medical adviser)", "citation": { "quote": "any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses – see psychiatry.org/psychiatrists/practice/dsm or consult your medical adviser)", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=17", "page": 17, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "virgin-money-cards", "role": "mentioned", "mentions": 2, "quote": "mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses", "citation": { "quote": "mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=15", "page": 15, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "westpac-cards", "role": "mentioned", "mentions": 2, "quote": "Mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (as used by clinicians and psychiatrists to diagnose psychiatric illnesses", "citation": { "quote": "Mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (as used by clinicians and psychiatrists to diagnose psychiatric illnesses", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=142", "page": 142, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "australia-post", "role": "mentioned", "mentions": 6, "quote": "You have not been diagnosed with Depression in the last 3 years", "citation": { "quote": "You have not been diagnosed with Depression in the last 3 years", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11", "page": 11, "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "budget-direct", "role": "mentioned", "mentions": 5, "quote": "You have not been diagnosed with Depression in the last 3 years", "citation": { "quote": "You have not been diagnosed with Depression in the last 3 years", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16", "page": 16, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "cover-more", "role": "mentioned", "mentions": 6, "quote": "You have not been diagnosed with Depression in the last 3 years", "citation": { "quote": "You have not been diagnosed with Depression in the last 3 years", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18", "page": 18, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "fast-cover", "role": "mentioned", "mentions": 1, "quote": "Mental illness means any illness, disorder or condition recognised or provided for in the edition of the Diagnostic and Mental Illness Statistical Manual of Mental Disorders current immediately before issue of Your Policy", "citation": { "quote": "Mental illness means any illness, disorder or condition recognised or provided for in the edition of the Diagnostic and Mental Illness Statistical Manual of Mental Disorders current immediately before issue of Your Policy", "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=37", "page": 37, "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "insureandgo", "role": "excluded", "mentions": 1, "quote": "psychiatric or psychological condition (including anxiety or depression)", "citation": { "quote": "psychiatric or psychological condition (including anxiety or depression)", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=20", "page": 20, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "medibank", "role": "mentioned", "mentions": 6, "quote": "You have not been diagnosed with depression in the last three years", "citation": { "quote": "You have not been diagnosed with depression in the last three years", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11", "page": 11, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "racv", "role": "mentioned", "mentions": 5, "quote": "Mental Illness means any sickness, disorder or condition recognised or provided for in the latest edition of the Diagnostic and Statistical Manual of Mental Disorders, where a clinical diagnosis has been made and treatment has been prescribed by a Treating Doctor, prior to the Trip departure", "citation": { "quote": "Mental Illness means any sickness, disorder or condition recognised or provided for in the latest edition of the Diagnostic and Statistical Manual of Mental Disorders, where a clinical diagnosis has been made and treatment has been prescribed by a Treating Doctor, prior to the Trip departure", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=34", "page": 34, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "tick", "role": "excluded", "mentions": 1, "quote": "any psychiatric or psychological condition (including anxiety or depression)", "citation": { "quote": "any psychiatric or psychological condition (including anxiety or depression)", "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=7", "page": 7, "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-direct", "role": "mentioned", "mentions": 2, "quote": "Mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (Used by clinicians and psychiatrists to diagnose psychiatric illnesses", "citation": { "quote": "Mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (Used by clinicians and psychiatrists to diagnose psychiatric illnesses", "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=45", "page": 45, "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-saver", "role": "mentioned", "mentions": 1, "quote": "Anxiety, depression, mental Illness anxiety, depression, mental Illness or stress suffered by You, a Relative or another person unless referred to and diagnosed by a registered psychiatrist or psychologist as a new condition (i.e", "citation": { "quote": "Anxiety, depression, mental Illness anxiety, depression, mental Illness or stress suffered by You, a Relative or another person unless referred to and diagnosed by a registered psychiatrist or psychologist as a new condition (i.e", "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=34", "page": 34, "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "webjet", "role": "mentioned", "mentions": 6, "quote": "You have not been diagnosed with Depression in the last 3 years", "citation": { "quote": "You have not been diagnosed with Depression in the last 3 years", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12", "page": 12, "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "zoom", "role": "mentioned", "mentions": 1, "quote": "care, support or assistance to another individual in need to support due to disability, medical condition, including terminal or chronic illness, mental illness or is frail and aged", "citation": { "quote": "care, support or assistance to another individual in need to support due to disability, medical condition, including terminal or chronic illness, mental illness or is frail and aged", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=81", "page": 81, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" } } ] }, "electronics": { "label": "Electronics and the per-item limit", "why_it_matters": "The sub-limit on one laptop or phone is usually far below the luggage limit, and it is what decides whether a stolen bag is actually covered.", "counts": { "excluded": 12, "mentioned": 19, "optional_extra": 1 }, "policies": [ { "group": "cards", "slug": "amex-platinum", "role": "optional_extra", "mentions": 40, "quote": "Card Purchase Cover (Section M) Card Refund Cover (Section N) Buyers Advantage Cover (Section O) Smartphone Screen Cover (Section P)", "citation": { "quote": "Card Purchase Cover (Section M) Card Refund Cover (Section N) Buyers Advantage Cover (Section O) Smartphone Screen Cover (Section P)", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=6", "page": 6, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "anz-platinum-black", "role": "mentioned", "mentions": 12, "quote": "However, cover will be available for loss, theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight", "citation": { "quote": "However, cover will be available for loss, theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=53", "page": 53, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bank-of-melbourne-cards", "role": "mentioned", "mentions": 15, "quote": "However, cover will be available for loss theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight", "citation": { "quote": "However, cover will be available for loss theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=50", "page": 50, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "banksa-cards", "role": "mentioned", "mentions": 15, "quote": "However, cover will be available for loss theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight", "citation": { "quote": "However, cover will be available for loss theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=52", "page": 52, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bankwest-cards", "role": "excluded", "mentions": 15, "quote": "mobile phones) prior to the final payment being made, and", "citation": { "quote": "mobile phones) prior to the final payment being made, and", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=19", "page": 19, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bendigo-cards", "role": "excluded", "mentions": 14, "quote": "No cover available except in the circumstances described under 4.1.1 c] which is limited to $2,500 per item for laptops & tablets and $1,500 per item for mobiles", "citation": { "quote": "No cover available except in the circumstances described under 4.1.1 c] which is limited to $2,500 per item for laptops & tablets and $1,500 per item for mobiles", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=12", "page": 12, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "beyond-bank-cards", "role": "mentioned", "mentions": 15, "quote": "If You purchased a laptop for $1,000, went on a Trip and the laptop was stolen, We will calculate the number of months between the date You purchased Your laptop and the claimable Event date", "citation": { "quote": "If You purchased a laptop for $1,000, went on a Trip and the laptop was stolen, We will calculate the number of months between the date You purchased Your laptop and the claimable Event date", "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=23", "page": 23, "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "cba-premium-cards", "role": "excluded", "mentions": 11, "quote": "mobile phones) prior to the final payment being made", "citation": { "quote": "mobile phones) prior to the final payment being made", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=15", "page": 15, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "great-southern-bank-cards", "role": "mentioned", "mentions": 9, "quote": "However, cover will be available for loss theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/ smartphone into your checked in baggage or overhead cabin locker for the duration of your flight", "citation": { "quote": "However, cover will be available for loss theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/ smartphone into your checked in baggage or overhead cabin locker for the duration of your flight", "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=24", "page": 24, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "hsbc-cards", "role": "mentioned", "mentions": 12, "quote": "However, cover will be available for loss, theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight", "citation": { "quote": "However, cover will be available for loss, theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=28", "page": 28, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-black", "role": "mentioned", "mentions": 13, "quote": "If You purchased a laptop for $1,000, went on a Trip and the laptop was stolen, We will calculate the number of months between the date You purchased Your laptop and the claimable Event date", "citation": { "quote": "If You purchased a laptop for $1,000, went on a Trip and the laptop was stolen, We will calculate the number of months between the date You purchased Your laptop and the claimable Event date", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=43", "page": 43, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-platinum", "role": "mentioned", "mentions": 14, "quote": "Items Electronic equipment Camera (including lenses and accessories) Sunglasses Smartphone Laptop Jewellery Sports equipment Cosmetics Clothing Other personal items", "citation": { "quote": "Items Electronic equipment Camera (including lenses and accessories) Sunglasses Smartphone Laptop Jewellery Sports equipment Cosmetics Clothing Other personal items", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=43", "page": 43, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "mycard-cards", "role": "mentioned", "mentions": 12, "quote": "However, cover will be available for loss, theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked baggage or overhead cabin locker for the duration of your flight", "citation": { "quote": "However, cover will be available for loss, theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked baggage or overhead cabin locker for the duration of your flight", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=40", "page": 40, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "nab-card-insurance", "role": "mentioned", "mentions": 12, "quote": "However, cover will be available for loss, theft or accidental damage to laptops, tablets and mobile/ smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/ smartphone into your checked baggage or overhead cabin locker for the duration of your flight", "citation": { "quote": "However, cover will be available for loss, theft or accidental damage to laptops, tablets and mobile/ smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/ smartphone into your checked baggage or overhead cabin locker for the duration of your flight", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=82", "page": 82, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "pn-bank-cards", "role": "mentioned", "mentions": 15, "quote": "If You purchased a laptop for $1,000, went on a Trip and the laptop was stolen, We will calculate the number of months between the date You purchased Your laptop and the claimable Event date", "citation": { "quote": "If You purchased a laptop for $1,000, went on a Trip and the laptop was stolen, We will calculate the number of months between the date You purchased Your laptop and the claimable Event date", "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=28", "page": 28, "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-platinum", "role": "mentioned", "mentions": 18, "quote": "If you purchased a Smartphone for $1,000, went on a Trip and the Smartphone was stolen, we will calculate the number of months between the date you purchased your Smartphone and the claimable Event date", "citation": { "quote": "If you purchased a Smartphone for $1,000, went on a Trip and the Smartphone was stolen, we will calculate the number of months between the date you purchased your Smartphone and the claimable Event date", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=37", "page": 37, "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-titanium", "role": "mentioned", "mentions": 18, "quote": "Smartphone does not mean tablets or smart watches", "citation": { "quote": "Smartphone does not mean tablets or smart watches", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=24", "page": 24, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "stgeorge-cards", "role": "mentioned", "mentions": 15, "quote": "However, cover will be available for loss theft or accidental damage to laptops, tablets and mobile/ smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight", "citation": { "quote": "However, cover will be available for loss theft or accidental damage to laptops, tablets and mobile/ smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=58", "page": 58, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "virgin-money-cards", "role": "mentioned", "mentions": 12, "quote": "However, cover will be available for loss, theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your", "citation": { "quote": "However, cover will be available for loss, theft or accidental damage to laptops, tablets and mobile/smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=56", "page": 56, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "westpac-cards", "role": "excluded", "mentions": 11, "quote": "cracking or breakage of the screen of mobile phones, smart watches, laptops or tablets", "citation": { "quote": "cracking or breakage of the screen of mobile phones, smart watches, laptops or tablets", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=87", "page": 87, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "australia-post", "role": "excluded", "mentions": 10, "quote": "photographic, audio, video, tablet computer, computer and electrical equipment of any kind (including but not limited to devices such as drones, computer games, portable navigation equipment or media)", "citation": { "quote": "photographic, audio, video, tablet computer, computer and electrical equipment of any kind (including but not limited to devices such as drones, computer games, portable navigation equipment or media)", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=8", "page": 8, "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "budget-direct", "role": "mentioned", "mentions": 10, "quote": "Camera, lenses, tripods and camera accessories (attached or not)", "citation": { "quote": "Camera, lenses, tripods and camera accessories (attached or not)", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=10", "page": 10, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "cover-more", "role": "excluded", "mentions": 12, "quote": "any amount exceeding $500 per item and $2,000 in total for all items left Unattended in any motor vehicle (for example, a car, campervan or motorhome) or towed land vehicle", "citation": { "quote": "any amount exceeding $500 per item and $2,000 in total for all items left Unattended in any motor vehicle (for example, a car, campervan or motorhome) or towed land vehicle", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=34", "page": 34, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "fast-cover", "role": "mentioned", "mentions": 18, "quote": "o You must not transport Your jewellery, mobile phone, camera, video camera, Drone, tablet device, personal computer, computer equipment or their accessories in the cargo hold of any Carrier", "citation": { "quote": "o You must not transport Your jewellery, mobile phone, camera, video camera, Drone, tablet device, personal computer, computer equipment or their accessories in the cargo hold of any Carrier", "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=66", "page": 66, "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "insureandgo", "role": "excluded", "mentions": 8, "quote": "a pair of earrings, a camera body and its standard lens and accessories, or a set of golf clubs)", "citation": { "quote": "a pair of earrings, a camera body and its standard lens and accessories, or a set of golf clubs)", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=29", "page": 29, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "medibank", "role": "excluded", "mentions": 15, "quote": "As We will not pay more than the relevant item limit for any one item, the maximum We will pay for the camera in this example is $4,000", "citation": { "quote": "As We will not pay more than the relevant item limit for any one item, the maximum We will pay for the camera in this example is $4,000", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=19", "page": 19, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "racv", "role": "excluded", "mentions": 7, "quote": "the lens of spectacles, laptop computers, binoculars, photographic, video equipment", "citation": { "quote": "the lens of spectacles, laptop computers, binoculars, photographic, video equipment", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=20", "page": 20, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "tick", "role": "excluded", "mentions": 10, "quote": "For example there is no cover for laptops, cameras or other valuables on the Basic policy", "citation": { "quote": "For example there is no cover for laptops, cameras or other valuables on the Basic policy", "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=29", "page": 29, "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-direct", "role": "excluded", "mentions": 11, "quote": "we will depreciate the value of the digital camera by 20% of the purchase price for each of the 2 years you have owned it), calculated as follows", "citation": { "quote": "we will depreciate the value of the digital camera by 20% of the purchase price for each of the 2 years you have owned it), calculated as follows", "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=41", "page": 41, "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-saver", "role": "mentioned", "mentions": 2, "quote": "Electronic Equipment means any personal computers (including laptops, notebooks and tablets), mobile phones, cameras, personal music players or recording devices, and other items of a similar nature as deemed by Us to be electronic", "citation": { "quote": "Electronic Equipment means any personal computers (including laptops, notebooks and tablets), mobile phones, cameras, personal music players or recording devices, and other items of a similar nature as deemed by Us to be electronic", "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=16", "page": 16, "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "webjet", "role": "excluded", "mentions": 12, "quote": "equipment, phones, all, photographic equipment, smart watches, tablet computers", "citation": { "quote": "equipment, phones, all, photographic equipment, smart watches, tablet computers", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=30", "page": 30, "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "zoom", "role": "mentioned", "mentions": 6, "quote": "The damage is for mobile phone, smartphone, laptop or tablet screens", "citation": { "quote": "The damage is for mobile phone, smartphone, laptop or tablet screens", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=46", "page": 46, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" } } ] }, "terrorism_war": { "label": "Terrorism and war", "why_it_matters": "An exclusion for war is near-universal; one for terrorism is not, and some policies carve terrorism back in for medical cover only.", "counts": { "excluded": 21, "mentioned": 11 }, "policies": [ { "group": "cards", "slug": "amex-platinum", "role": "excluded", "mentions": 5, "quote": "a \u0007 n act of Terrorism except when such Event occurs under the cover in Section C – Personal Accident Cover, Section E – Medical Emergency Expenses Cover, Section J – Hijack Cover or Section K – Kidnap Cover of this Policy", "citation": { "quote": "a \u0007 n act of Terrorism except when such Event occurs under the cover in Section C – Personal Accident Cover, Section E – Medical Emergency Expenses Cover, Section J – Hijack Cover or Section K – Kidnap Cover of this Policy", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=43", "page": 43, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "anz-platinum-black", "role": "excluded", "mentions": 9, "quote": "or e] \u0007the events that caused your evacuation were due to an act or threat of terrorism", "citation": { "quote": "or e] \u0007the events that caused your evacuation were due to an act or threat of terrorism", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=39", "page": 39, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bank-of-melbourne-cards", "role": "excluded", "mentions": 7, "quote": "We will not pay if a delay to your journey arises from an act of terrorism", "citation": { "quote": "We will not pay if a delay to your journey arises from an act of terrorism", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=67", "page": 67, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "banksa-cards", "role": "excluded", "mentions": 7, "quote": "We will not pay if a delay to your journey arises from an act of terrorism", "citation": { "quote": "We will not pay if a delay to your journey arises from an act of terrorism", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=69", "page": 69, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bankwest-cards", "role": "excluded", "mentions": 6, "quote": "cancellations, delays, rescheduling or diversions to your scheduled or connecting transport, unless it is due to a strike, riot, hijack, civil protest, weather, mechanical breakdown, natural disaster or a collision affecting your mode of transport", "citation": { "quote": "cancellations, delays, rescheduling or diversions to your scheduled or connecting transport, unless it is due to a strike, riot, hijack, civil protest, weather, mechanical breakdown, natural disaster or a collision affecting your mode of transport", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=37", "page": 37, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bendigo-cards", "role": "excluded", "mentions": 7, "quote": "e] the events that caused your evacuation were due to an act or threat of terrorism", "citation": { "quote": "e] the events that caused your evacuation were due to an act or threat of terrorism", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=18", "page": 18, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "beyond-bank-cards", "role": "mentioned", "mentions": 5, "quote": "War means armed conflict between nations, states, or parties, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, sedition or any military or usurped power whether war is declared or not", "citation": { "quote": "War means armed conflict between nations, states, or parties, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, sedition or any military or usurped power whether war is declared or not", "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=28", "page": 28, "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "cba-premium-cards", "role": "excluded", "mentions": 8, "quote": "cancellations, delays, rescheduling or diversions to your scheduled or connecting transport, unless it is due to a strike, riot, hijack, civil protest, weather, natural disaster or a collision affecting your mode of transport 8", "citation": { "quote": "cancellations, delays, rescheduling or diversions to your scheduled or connecting transport, unless it is due to a strike, riot, hijack, civil protest, weather, natural disaster or a collision affecting your mode of transport 8", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=26", "page": 26, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "great-southern-bank-cards", "role": "excluded", "mentions": 5, "quote": "e] the events that caused your evacuation were due to an act or threat of terrorism", "citation": { "quote": "e] the events that caused your evacuation were due to an act or threat of terrorism", "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=18", "page": 18, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "hsbc-cards", "role": "excluded", "mentions": 8, "quote": "We will not pay if a delay to your journey arises from an act of terrorism", "citation": { "quote": "We will not pay if a delay to your journey arises from an act of terrorism", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=39", "page": 39, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-black", "role": "excluded", "mentions": 6, "quote": "declared or undeclared War or any act thereof", "citation": { "quote": "declared or undeclared War or any act thereof", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=54", "page": 54, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-platinum", "role": "excluded", "mentions": 6, "quote": "declared or undeclared War or any act thereof", "citation": { "quote": "declared or undeclared War or any act thereof", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=54", "page": 54, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "mycard-cards", "role": "excluded", "mentions": 8, "quote": "e) \u0007the events that caused your evacuation were due to an act or threat of terrorism", "citation": { "quote": "e) \u0007the events that caused your evacuation were due to an act or threat of terrorism", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=21", "page": 21, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "nab-card-insurance", "role": "excluded", "mentions": 8, "quote": "e) the events that caused your evacuation were due to an act or threat of terrorism", "citation": { "quote": "e) the events that caused your evacuation were due to an act or threat of terrorism", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=43", "page": 43, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "pn-bank-cards", "role": "excluded", "mentions": 5, "quote": "declared or undeclared War or any act thereof", "citation": { "quote": "declared or undeclared War or any act thereof", "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=33", "page": 33, "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-platinum", "role": "mentioned", "mentions": 5, "quote": "War means armed conflict between nations, states, or parties, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, sedition or any military or usurped power whether war is declared or not", "citation": { "quote": "War means armed conflict between nations, states, or parties, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, sedition or any military or usurped power whether war is declared or not", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=43", "page": 43, "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-titanium", "role": "mentioned", "mentions": 6, "quote": "War means armed conflict between nations, states, or parties, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, sedition or any military or usurped power whether war is declared or not", "citation": { "quote": "War means armed conflict between nations, states, or parties, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, sedition or any military or usurped power whether war is declared or not", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=71", "page": 71, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "stgeorge-cards", "role": "excluded", "mentions": 7, "quote": "2.1.2 What we exclude We will not pay if a delay to your journey arises from an act of terrorism", "citation": { "quote": "2.1.2 What we exclude We will not pay if a delay to your journey arises from an act of terrorism", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=77", "page": 77, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "virgin-money-cards", "role": "excluded", "mentions": 9, "quote": "e] the events that caused your evacuation were due to an act or threat of terrorism", "citation": { "quote": "e] the events that caused your evacuation were due to an act or threat of terrorism", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=41", "page": 41, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "westpac-cards", "role": "excluded", "mentions": 3, "quote": "f) for cancellations, delays, rescheduling or diversions to your scheduled or connecting transport unless due to a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport", "citation": { "quote": "f) for cancellations, delays, rescheduling or diversions to your scheduled or connecting transport unless due to a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=81", "page": 81, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "australia-post", "role": "mentioned", "mentions": 4, "quote": "\u0007claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power", "citation": { "quote": "\u0007claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=40", "page": 40, "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "budget-direct", "role": "mentioned", "mentions": 4, "quote": "\u0007claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power", "citation": { "quote": "\u0007claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=47", "page": 47, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "cover-more", "role": "mentioned", "mentions": 5, "quote": "claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power", "citation": { "quote": "claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=49", "page": 49, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "fast-cover", "role": "mentioned", "mentions": 8, "quote": "Your claim Arises from any act of war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power", "citation": { "quote": "Your claim Arises from any act of war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power", "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=95", "page": 95, "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "insureandgo", "role": "mentioned", "mentions": 8, "quote": "Civil unrest Activities inclusive of organised protests, riots, arson, looting, occupation of institutional buildings, border infringements and armed insurrection (excluding where civil war has been declared)", "citation": { "quote": "Civil unrest Activities inclusive of organised protests, riots, arson, looting, occupation of institutional buildings, border infringements and armed insurrection (excluding where civil war has been declared)", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=28", "page": 28, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "medibank", "role": "mentioned", "mentions": 4, "quote": "\u0007claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power", "citation": { "quote": "\u0007claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=41", "page": 41, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "racv", "role": "excluded", "mentions": 11, "quote": "13.3 Any Act of terrorism except for a terrorist event that is a Cyber Incident", "citation": { "quote": "13.3 Any Act of terrorism except for a terrorist event that is a Cyber Incident", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=26", "page": 26, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "tick", "role": "excluded", "mentions": 9, "quote": "War War, whether declared or not, or any warlike activities, including use of military force by any ü What you are covered for û What you are not covered for !", "citation": { "quote": "War War, whether declared or not, or any warlike activities, including use of military force by any ü What you are covered for û What you are not covered for !", "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=52", "page": 52, "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-direct", "role": "excluded", "mentions": 3, "quote": "for cancellations, delays, rescheduling or diversions to your scheduled or connecting transport unless due to a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport", "citation": { "quote": "for cancellations, delays, rescheduling or diversions to your scheduled or connecting transport unless due to a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport", "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=25", "page": 25, "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-saver", "role": "mentioned", "mentions": 2, "quote": "Civil commotions or riots You taking part in civil commotions or riots of any kind", "citation": { "quote": "Civil commotions or riots You taking part in civil commotions or riots of any kind", "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=35", "page": 35, "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "webjet", "role": "mentioned", "mentions": 3, "quote": "\u0007claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power", "citation": { "quote": "\u0007claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=43", "page": 43, "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "zoom", "role": "excluded", "mentions": 4, "quote": "d) For cancellations, delays or rescheduling by a bus line, airline, shipping line or rail authority unless it is due to a strike, riot, hijack, civil protest, weather or natural disaster", "citation": { "quote": "d) For cancellations, delays or rescheduling by a bus line, airline, shipping line or rail authority unless it is due to a strike, riot, hijack, civil protest, weather or natural disaster", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=34", "page": 34, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" } } ] }, "government_warning": { "label": "Government travel warnings", "why_it_matters": "Whether cover survives a Smartraveller 'do not travel' rating, and from what date, differs policy by policy.", "counts": { "excluded": 18, "mentioned": 14 }, "policies": [ { "group": "cards", "slug": "amex-platinum", "role": "excluded", "mentions": 20, "quote": "or (b) \u0007an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) advises You not to travel (for example, through border closures or ‘Do Not Travel’ travel advisories)", "citation": { "quote": "or (b) \u0007an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) advises You not to travel (for example, through border closures or ‘Do Not Travel’ travel advisories)", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=7", "page": 7, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "anz-platinum-black", "role": "mentioned", "mentions": 2, "quote": "by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on www.smartraveller.gov.au", "citation": { "quote": "by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on www.smartraveller.gov.au", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=30", "page": 30, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bank-of-melbourne-cards", "role": "mentioned", "mentions": 2, "quote": "by an Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on smartraveller.gov.au", "citation": { "quote": "by an Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on smartraveller.gov.au", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=27", "page": 27, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "banksa-cards", "role": "mentioned", "mentions": 2, "quote": "by an Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on smartraveller.gov.au", "citation": { "quote": "by an Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on smartraveller.gov.au", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=28", "page": 28, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bankwest-cards", "role": "excluded", "mentions": 6, "quote": "an advice or warning has been released by the Australian Department of Foreign Affairs and Trade or any other government or official body", "citation": { "quote": "an advice or warning has been released by the Australian Department of Foreign Affairs and Trade or any other government or official body", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=29", "page": 29, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "bendigo-cards", "role": "mentioned", "mentions": 2, "quote": "your need to travel’ or ‘Do not travel’ alert is in place) which can be found on www.smartraveller", "citation": { "quote": "your need to travel’ or ‘Do not travel’ alert is in place) which can be found on www.smartraveller", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=14", "page": 14, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "beyond-bank-cards", "role": "excluded", "mentions": 9, "quote": "an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) advises You not to travel (for example, through border closures or ‘Do Not Travel’ travel advisories)", "citation": { "quote": "an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) advises You not to travel (for example, through border closures or ‘Do Not Travel’ travel advisories)", "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=7", "page": 7, "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "cba-premium-cards", "role": "excluded", "mentions": 5, "quote": "an advice or warning has been released by the Australian Department of Foreign Affairs and Trade or any other government or official body b", "citation": { "quote": "an advice or warning has been released by the Australian Department of Foreign Affairs and Trade or any other government or official body b", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=20", "page": 20, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "great-southern-bank-cards", "role": "mentioned", "mentions": 2, "quote": "by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place) which can be found on www.smartraveller.gov.au", "citation": { "quote": "by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place) which can be found on www.smartraveller.gov.au", "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=13", "page": 13, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "hsbc-cards", "role": "mentioned", "mentions": 2, "quote": "\u0007by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on www.smartraveller.gov.au", "citation": { "quote": "\u0007by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on www.smartraveller.gov.au", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=14", "page": 14, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-black", "role": "excluded", "mentions": 9, "quote": "an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) advises You not to travel (for example, through border closures or ‘Do Not Travel’ travel advisories)", "citation": { "quote": "an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) advises You not to travel (for example, through border closures or ‘Do Not Travel’ travel advisories)", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=10", "page": 10, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "macquarie-platinum", "role": "excluded", "mentions": 9, "quote": "an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) advises You not to travel (for example, through border closures or ‘Do Not Travel’ travel advisories)", "citation": { "quote": "an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) advises You not to travel (for example, through border closures or ‘Do Not Travel’ travel advisories)", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=10", "page": 10, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "mycard-cards", "role": "mentioned", "mentions": 2, "quote": "\u0007by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place) which can be found on www.smartraveller.gov.au", "citation": { "quote": "\u0007by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place) which can be found on www.smartraveller.gov.au", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=16", "page": 16, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "nab-card-insurance", "role": "excluded", "mentions": 2, "quote": "by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place) which can be found on www.smartraveller", "citation": { "quote": "by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place) which can be found on www.smartraveller", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=31", "page": 31, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "pn-bank-cards", "role": "excluded", "mentions": 11, "quote": "or (ii) an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) advises You not to travel (for example, through border closures or ‘Do Not Travel’ travel advisories)", "citation": { "quote": "or (ii) an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) advises You not to travel (for example, through border closures or ‘Do Not Travel’ travel advisories)", "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=8", "page": 8, "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-platinum", "role": "excluded", "mentions": 10, "quote": "the Australian Federal Government or an Australian government agency (such as DFAT) have issued a travel advisory warning, advising you to ‘Do Not Travel’ or that borders are closed, for the destination you planned to travel to", "citation": { "quote": "the Australian Federal Government or an Australian government agency (such as DFAT) have issued a travel advisory warning, advising you to ‘Do Not Travel’ or that borders are closed, for the destination you planned to travel to", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=42", "page": 42, "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "qantas-money-titanium", "role": "excluded", "mentions": 11, "quote": "the Australian Federal Government or an Australian government agency (such as DFAT) have issued a travel advisory warning, advising you to ‘Do Not Travel’ or that borders are closed, for the destination you planned to travel to", "citation": { "quote": "the Australian Federal Government or an Australian government agency (such as DFAT) have issued a travel advisory warning, advising you to ‘Do Not Travel’ or that borders are closed, for the destination you planned to travel to", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=69", "page": 69, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "stgeorge-cards", "role": "mentioned", "mentions": 2, "quote": "by an Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on smartraveller.gov.au", "citation": { "quote": "by an Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on smartraveller.gov.au", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=32", "page": 32, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "virgin-money-cards", "role": "excluded", "mentions": 2, "quote": "by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place) which can be found on www.smartraveller.gov.au", "citation": { "quote": "by the Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place) which can be found on www.smartraveller.gov.au", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=30", "page": 30, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, { "group": "cards", "slug": "westpac-cards", "role": "mentioned", "mentions": 3, "quote": "by the Australian government (when a ‘Do not travel’ alert is in place), which can be found on www.smartraveller.gov.au", "citation": { "quote": "by the Australian government (when a ‘Do not travel’ alert is in place), which can be found on www.smartraveller.gov.au", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=40", "page": 40, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "australia-post", "role": "mentioned", "mentions": 4, "quote": "\u0007or arising from You travelling to a country or part of a country, which was subject to “Do not travel” advice on the smartraveller.gov.au website at the time You entered the country or part of the country", "citation": { "quote": "\u0007or arising from You travelling to a country or part of a country, which was subject to “Do not travel” advice on the smartraveller.gov.au website at the time You entered the country or part of the country", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=39", "page": 39, "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "budget-direct", "role": "mentioned", "mentions": 4, "quote": "a) of a “Do not travel” advice issued by the Australian Government on the smartraveller.gov.au website", "citation": { "quote": "a) of a “Do not travel” advice issued by the Australian Government on the smartraveller.gov.au website", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=49", "page": 49, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "cover-more", "role": "excluded", "mentions": 5, "quote": "or arising from You travelling to a country or part of a country, which was subject to “Do not travel” advice on the smartraveller.gov.au website at the time You entered the country or part of the country", "citation": { "quote": "or arising from You travelling to a country or part of a country, which was subject to “Do not travel” advice on the smartraveller.gov.au website at the time You entered the country or part of the country", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=48", "page": 48, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "fast-cover", "role": "mentioned", "mentions": 4, "quote": "where a travel advisory risk rating of ‘Do Not Travel’ (or equivalent if this term is replaced) was issued by the Australian Department of Foreign Affairs and Trade after Policy purchase", "citation": { "quote": "where a travel advisory risk rating of ‘Do Not Travel’ (or equivalent if this term is replaced) was issued by the Australian Department of Foreign Affairs and Trade after Policy purchase", "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=95", "page": 95, "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "insureandgo", "role": "excluded", "mentions": 4, "quote": "For example there is no cover for any government travel bans, “Do not travel” warnings", "citation": { "quote": "For example there is no cover for any government travel bans, “Do not travel” warnings", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=21", "page": 21, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "medibank", "role": "excluded", "mentions": 5, "quote": "or arising from You travelling to a country or part of a country, which was subject to “Do not travel” advice on the smartraveller.gov.au website at the time You entered the country or part of the country", "citation": { "quote": "or arising from You travelling to a country or part of a country, which was subject to “Do not travel” advice on the smartraveller.gov.au website at the time You entered the country or part of the country", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=38", "page": 38, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "racv", "role": "excluded", "mentions": 10, "quote": "if the DO NOT TRAVEL advisory is lifted before Your Trip departure date, this exclusion no longer applies but You will not be able to lodge a claim for an Insured Event that occurred during a period in which the DO NOT TRAVEL advisory was in effect", "citation": { "quote": "if the DO NOT TRAVEL advisory is lifted before Your Trip departure date, this exclusion no longer applies but You will not be able to lodge a claim for an Insured Event that occurred during a period in which the DO NOT TRAVEL advisory was in effect", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=30", "page": 30, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "tick", "role": "excluded", "mentions": 2, "quote": "For example there is no cover for any government travel bans, “Do not travel” warnings", "citation": { "quote": "For example there is no cover for any government travel bans, “Do not travel” warnings", "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=8", "page": 8, "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-direct", "role": "mentioned", "mentions": 3, "quote": "by the Australian government (when a ‘Do not travel’ alert is in place), which can be found on www.smartraveller.gov.au", "citation": { "quote": "by the Australian government (when a ‘Do not travel’ alert is in place), which can be found on www.smartraveller.gov.au", "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=38", "page": 38, "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "travel-insurance-saver", "role": "mentioned", "mentions": 6, "quote": "Smartraveller website loss, damage or expense incurred as a result of travelling to an area that the Australian Government has advised “do not travel” on the Smartraveller website (www.smartraveller.gov.au) provided that such loss, damage or expense is directly or indirectly related to any such circumstances that are the reason for the advice", "citation": { "quote": "Smartraveller website loss, damage or expense incurred as a result of travelling to an area that the Australian Government has advised “do not travel” on the Smartraveller website (www.smartraveller.gov.au) provided that such loss, damage or expense is directly or indirectly related to any such circumstances that are the reason for the advice", "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=33", "page": 33, "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "webjet", "role": "excluded", "mentions": 6, "quote": "or arising from You travelling to a country or part of a country, which was subject to “Do not travel” advice on the smartraveller.gov.au website at the time You entered the country or part of the country", "citation": { "quote": "or arising from You travelling to a country or part of a country, which was subject to “Do not travel” advice on the smartraveller.gov.au website at the time You entered the country or part of the country", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=40", "page": 40, "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05" } }, { "group": "retail", "slug": "zoom", "role": "excluded", "mentions": 4, "quote": "an advice or warning has been released by the Australian Government Department of Foreign Affairs and Trade or any other government or official body", "citation": { "quote": "an advice or warning has been released by the Australian Government Department of Foreign Affairs and Trade or any other government or official body", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=68", "page": 68, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" } } ] } }, "by_insurer": { "Allianz Australia Insurance Limited": { "policies_compared": 12, "policy_slugs": [ "anz-platinum-black", "bank-of-melbourne-cards", "banksa-cards", "bendigo-cards", "great-southern-bank-cards", "hsbc-cards", "mycard-cards", "nab-card-insurance", "stgeorge-cards", "travel-insurance-direct", "virgin-money-cards", "westpac-cards" ], "enough_policies_to_say_always": true, "distributors": [], "distributor_not_read_for": [ "travel-insurance-direct" ], "policies_may_be_one_wording": false, "clauses_in_every_one_of_its_policies": 21, "of_those_unique_to_it": 14, "exclusions_unique_to_it": [], "other_clauses_unique_to_it": [ { "clause": "AFCA provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms", "read_from": "anz-platinum-black", "citation": { "quote": "AFCA provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=89", "page": 89, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 12, "in_other_insurers_policies": 0, "subject_words": [ "afca", "consumers", "dispute", "disputes", "falling", "free", "general", "independent", "insurance", "provides" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Chubb Insurance Australia Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "The Code Governance Committee (CGC) is an independent body that monitors and enforces insurers’ compliance with the Code", "read_from": "anz-platinum-black", "citation": { "quote": "The Code Governance Committee (CGC) is an independent body that monitors and enforces insurers’ compliance with the Code", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=89", "page": 89, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 12, "in_other_insurers_policies": 0, "subject_words": [ "body", "code", "committee", "compliance", "enforces", "governance", "independent", "insurers", "monitors" ], "classified_as": "mentioned", "subject_found_elsewhere": [], "difference_is": "wording and subject: no other insurer's exclusions mention this" }, { "clause": "In cases where we cannot comply with your request concerning your personal information, we will give you reasons why", "read_from": "anz-platinum-black", "citation": { "quote": "In cases where we cannot comply with your request concerning your personal information, we will give you reasons why", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=11", "page": 11, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 12, "in_other_insurers_policies": 0, "subject_words": [ "cannot", "cases", "comply", "concerning", "give", "information", "personal", "reasons", "request" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "This includes forgetting or misplacing any items, leaving them behind or walking away from them", "read_from": "anz-platinum-black", "citation": { "quote": "This includes forgetting or misplacing any items, leaving them behind or walking away from them", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=51", "page": 51, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 12, "in_other_insurers_policies": 0, "subject_words": [ "away", "behind", "forgetting", "includes", "items", "leaving", "misplacing", "them", "walking" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "You can obtain more information on the Code of Practice and how it assists you by contacting us", "read_from": "anz-platinum-black", "citation": { "quote": "You can obtain more information on the Code of Practice and how it assists you by contacting us", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=89", "page": 89, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 12, "in_other_insurers_policies": 0, "subject_words": [ "assists", "code", "contacting", "information", "obtain", "practice" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Tokio Marine & Nichido Fire Insurance Co., Ltd" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "The rate of currency exchange that will apply is the rate at the time you incurred the expense", "read_from": "anz-platinum-black", "citation": { "quote": "The rate of currency exchange that will apply is the rate at the time you incurred the expense", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=87", "page": 87, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 12, "in_other_insurers_policies": 0, "subject_words": [ "apply", "currency", "exchange", "expense", "incurred", "rate", "time" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "you lose your passport, travel documents or transaction cards or they are stolen", "read_from": "anz-platinum-black", "citation": { "quote": "you lose your passport, travel documents or transaction cards or they are stolen", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=48", "page": 48, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 12, "in_other_insurers_policies": 0, "subject_words": [ "cards", "documents", "lose", "passport", "stolen", "they", "transaction", "travel" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "If you do, we may reduce or refuse your claim to the extent we are prejudiced", "read_from": "anz-platinum-black", "citation": { "quote": "If you do, we may reduce or refuse your claim to the extent we are prejudiced", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=58", "page": 58, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 12, "in_other_insurers_policies": 0, "subject_words": [ "extent", "prejudiced", "reduce", "refuse" ], "classified_as": "mentioned", "subject_found_elsewhere": [], "difference_is": "wording and subject: no other insurer's exclusions mention this" }, { "clause": "a nuclear reaction or contamination from nuclear weapons or radioactivity", "read_from": "anz-platinum-black", "citation": { "quote": "a nuclear reaction or contamination from nuclear weapons or radioactivity", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=31", "page": 31, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 12, "in_other_insurers_policies": 0, "subject_words": [ "contamination", "nuclear", "radioactivity", "reaction", "weapons" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Payment will be made by direct credit to a bank account nominated by you", "read_from": "anz-platinum-black", "citation": { "quote": "Payment will be made by direct credit to a bank account nominated by you", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=87", "page": 87, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 12, "in_other_insurers_policies": 0, "subject_words": [ "account", "bank", "credit", "direct", "made", "nominated", "payment" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Chubb Insurance Australia Limited", "Lloyd's", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "was treated at a hospital emergency department or out-patient clinic", "read_from": "anz-platinum-black", "citation": { "quote": "was treated at a hospital emergency department or out-patient clinic", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=17", "page": 17, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 12, "in_other_insurers_policies": 0, "subject_words": [ "clinic", "department", "emergency", "hospital", "patient", "treated" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Chubb Insurance Australia Limited", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "a fully licensed aircraft operated by an airline or charter company", "read_from": "anz-platinum-black", "citation": { "quote": "a fully licensed aircraft operated by an airline or charter company", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=30", "page": 30, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 12, "in_other_insurers_policies": 0, "subject_words": [ "aircraft", "airline", "charter", "company", "fully", "licensed", "operated" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "the compensation (including legal costs) awarded against you", "read_from": "anz-platinum-black", "citation": { "quote": "the compensation (including legal costs) awarded against you", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=58", "page": 58, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 12, "in_other_insurers_policies": 0, "subject_words": [ "against", "awarded", "compensation", "costs", "including", "legal" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "We will pay you unless you tell us to pay someone else", "read_from": "anz-platinum-black", "citation": { "quote": "We will pay you unless you tell us to pay someone else", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=87", "page": 87, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 12, "in_other_insurers_policies": 0, "subject_words": [ "else", "someone", "tell", "unless" ], "classified_as": "covered", "subject_found_elsewhere": [ "Lloyd's", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" } ] }, "Chubb Insurance Australia Limited": { "policies_compared": 7, "policy_slugs": [ "amex-platinum", "beyond-bank-cards", "macquarie-black", "macquarie-platinum", "pn-bank-cards", "qantas-money-platinum", "qantas-money-titanium" ], "enough_policies_to_say_always": true, "distributors": [], "distributor_not_read_for": [], "policies_may_be_one_wording": false, "clauses_in_every_one_of_its_policies": 131, "of_those_unique_to_it": 122, "exclusions_unique_to_it": [ { "clause": "Please see the definition of ‘Excluded Sports and Activities’ for a full list of activities and sports which are not covered under this Policy", "read_from": "amex-platinum", "citation": { "quote": "Please see the definition of ‘Excluded Sports and Activities’ for a full list of activities and sports which are not covered under this Policy", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=6", "page": 6, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "activities", "definition", "excluded", "full", "list", "please", "sports" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "(Please also refer to the General Exclusions applicable to All Sections within this Policy)", "read_from": "amex-platinum", "citation": { "quote": "(Please also refer to the General Exclusions applicable to All Sections within this Policy)", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=28", "page": 28, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "also", "applicable", "exclusions", "general", "please", "refer", "sections", "within" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "the Accidental Death or Permanent Disablement of a person that is not a Covered Person", "read_from": "amex-platinum", "citation": { "quote": "the Accidental Death or Permanent Disablement of a person that is not a Covered Person", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=30", "page": 30, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "accidental", "death", "disablement", "permanent" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "We will not pay for or reimburse any costs arising from or relating to", "read_from": "amex-platinum", "citation": { "quote": "We will not pay for or reimburse any costs arising from or relating to", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=28", "page": 28, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "arising", "costs", "reimburse", "relating" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "trips that begin and end from Your Home or Work in Australia", "read_from": "amex-platinum", "citation": { "quote": "trips that begin and end from Your Home or Work in Australia", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=7", "page": 7, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "australia", "begin", "home", "trips", "work" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "underwater, mines, construction sites, oilrigs, etc.)", "read_from": "amex-platinum", "citation": { "quote": "underwater, mines, construction sites, oilrigs, etc.)", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=43", "page": 43, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "construction", "mines", "oilrigs", "sites", "underwater" ], "classified_as": "excluded", "subject_found_elsewhere": [], "difference_is": "wording and subject: no other insurer's exclusions mention this" } ], "other_clauses_unique_to_it": [ { "clause": "If You do not make reasonable attempts to call Chubb Assistance before seeking emergency medical Treatment, or You chose to seek treatment from a medical service provider not approved by Chubb Assistance, You may be responsible for Your medical expense costs to the extent that those medical expenses could otherwise have been reduced through preferred medical providers arranged by Chubb Assistance", "read_from": "amex-platinum", "citation": { "quote": "If You do not make reasonable attempts to call Chubb Assistance before seeking emergency medical Treatment, or You chose to seek treatment from a medical service provider not approved by Chubb Assistance, You may be responsible for Your medical expense costs to the extent that those medical expenses could otherwise have been reduced through preferred medical providers arranged by Chubb Assistance", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=32", "page": 32, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "approved", "arranged", "assistance", "attempts", "before", "call", "chose", "costs", "could", "emergency" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Consequently, Chubb is subject to certain US laws and regulations in addition to EU, UN and national sanctions restrictions which may prohibit it from providing cover or paying claims to certain individuals or entities or insuring certain types of activities related to certain countries such as but not limited to Iran, Syria, North Korea, North Sudan, Crimea and Cuba", "read_from": "amex-platinum", "citation": { "quote": "Consequently, Chubb is subject to certain US laws and regulations in addition to EU, UN and national sanctions restrictions which may prohibit it from providing cover or paying claims to certain individuals or entities or insuring certain types of activities related to certain countries such as but not limited to Iran, Syria, North Korea, North Sudan, Crimea and Cuba", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=50", "page": 50, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "activities", "addition", "claims", "consequently", "countries", "crimea", "cuba", "entities", "individuals", "insuring" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Secure Area means the locked dashboard, glove compartment, boot or luggage compartment of a motor vehicle including the locked luggage compartment of a hatchback or station wagon, the fixed storage units of a motorised or towed caravan, or a locked luggage box locked to a roof rack locked to the vehicle, providing that, in each case, all items are out of sight", "read_from": "amex-platinum", "citation": { "quote": "Secure Area means the locked dashboard, glove compartment, boot or luggage compartment of a motor vehicle including the locked luggage compartment of a hatchback or station wagon, the fixed storage units of a motorised or towed caravan, or a locked luggage box locked to a roof rack locked to the vehicle, providing that, in each case, all items are out of sight", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=26", "page": 26, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "area", "boot", "caravan", "case", "compartment", "dashboard", "each", "fixed", "glove", "hatchback" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "HDI Global Speciality SE", "Lloyd's", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) has issued a travel advisory warning, advising You to ‘Do Not Travel’ or that borders are closed, for the destination You planned to travel to", "read_from": "amex-platinum", "citation": { "quote": "an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as DFAT) has issued a travel advisory warning, advising You to ‘Do Not Travel’ or that borders are closed, for the destination You planned to travel to", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=14", "page": 14, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "advising", "advisory", "agency", "australian", "borders", "closed", "destination", "dfat", "federal", "government" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Please note that if We have resolved Your complaint to Your satisfaction by the end of the fifth (5th) business day after We have received it, and You have not requested that We provide You a response in writing, We are not required to provide a written response", "read_from": "amex-platinum", "citation": { "quote": "Please note that if We have resolved Your complaint to Your satisfaction by the end of the fifth (5th) business day after We have received it, and You have not requested that We provide You a response in writing, We are not required to provide a written response", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=49", "page": 49, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "after", "business", "complaint", "fifth", "note", "please", "provide", "received", "requested", "required" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "If We are unable to make this decision within this timeframe, We will provide You with a reason for the delay and advise of Your right to take Your complaint to the Australian Financial Complaints Authority (AFCA) as detailed below, subject to its Rules", "read_from": "amex-platinum", "citation": { "quote": "If We are unable to make this decision within this timeframe, We will provide You with a reason for the delay and advise of Your right to take Your complaint to the Australian Financial Complaints Authority (AFCA) as detailed below, subject to its Rules", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=49", "page": 49, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "advise", "afca", "australian", "authority", "below", "complaint", "complaints", "decision", "delay", "detailed" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "HDI Global Speciality SE", "Lloyd's", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "However, the medical standards, sanitary conditions, reliability of telephone systems and facilities for medical services differ from country to country and accordingly, it is not always possible to have control over these factors", "read_from": "amex-platinum", "citation": { "quote": "However, the medical standards, sanitary conditions, reliability of telephone systems and facilities for medical services differ from country to country and accordingly, it is not always possible to have control over these factors", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=8", "page": 8, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "accordingly", "always", "conditions", "control", "country", "differ", "facilities", "factors", "however", "medical" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "We will investigate Your complaint and keep You informed of the progress of Our investigation at least every ten (10) business days and will make a decision in relation to Your complaint in writing within thirty (30) calendar days", "read_from": "amex-platinum", "citation": { "quote": "We will investigate Your complaint and keep You informed of the progress of Our investigation at least every ten (10) business days and will make a decision in relation to Your complaint in writing within thirty (30) calendar days", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=49", "page": 49, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "business", "calendar", "complaint", "days", "decision", "every", "informed", "investigate", "investigation", "keep" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Lloyd's", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Manual Work means paid work which involves the installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant (other than in a purely managerial, supervisory, sales or administrative capacity)", "read_from": "amex-platinum", "citation": { "quote": "Manual Work means paid work which involves the installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant (other than in a purely managerial, supervisory, sales or administrative capacity)", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=23", "page": 23, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "administrative", "assembly", "capacity", "electrical", "hydraulic", "installation", "involves", "maintenance", "managerial", "manual" ], "classified_as": "mentioned", "subject_found_elsewhere": [], "difference_is": "wording and subject: no other insurer's exclusions mention this" }, { "clause": "\u0007it appears that the intent is to intimidate or coerce a government, or to further political, ideological, religious, social or economic objectives or to express (or express opposition to) a philosophy or ideology", "read_from": "amex-platinum", "citation": { "quote": "\u0007it appears that the intent is to intimidate or coerce a government, or to further political, ideological, religious, social or economic objectives or to express (or express opposition to) a philosophy or ideology", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=26", "page": 26, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "appears", "coerce", "economic", "further", "government", "ideological", "ideology", "intent", "intimidate", "objectives" ], "classified_as": "mentioned", "subject_found_elsewhere": [], "difference_is": "wording and subject: no other insurer's exclusions mention this" }, { "clause": "This exclusion applies even if You have been granted a travel exemption by an Australian State or Territory, the Australian Federal Government or an Australian government agency (such as DFAT) to travel", "read_from": "amex-platinum", "citation": { "quote": "This exclusion applies even if You have been granted a travel exemption by an Australian State or Territory, the Australian Federal Government or an Australian government agency (such as DFAT) to travel", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=7", "page": 7, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "agency", "applies", "australian", "dfat", "even", "exclusion", "exemption", "federal", "government", "granted" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "However, if You wish to make a claim under the cover provided within this Policy, You will be bound by the definitions, terms and conditions, exclusions and claims procedures set out in this document", "read_from": "amex-platinum", "citation": { "quote": "However, if You wish to make a claim under the cover provided within this Policy, You will be bound by the definitions, terms and conditions, exclusions and claims procedures set out in this document", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=3", "page": 3, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "bound", "claims", "conditions", "definitions", "document", "exclusions", "however", "make", "procedures", "provided" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "If a written confirmation is not provided, You must provide evidence that You have taken reasonable steps to obtain the written confirmation, such as emails, call logs or other reasonable evidence", "read_from": "amex-platinum", "citation": { "quote": "If a written confirmation is not provided, You must provide evidence that You have taken reasonable steps to obtain the written confirmation, such as emails, call logs or other reasonable evidence", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=28", "page": 28, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "call", "confirmation", "emails", "evidence", "logs", "obtain", "provide", "provided", "reasonable", "steps" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Where You have received or been offered a refund, credit note or voucher for the cost of a booking, whether partially or in full, the amount offered or received is to be considered refundable", "read_from": "amex-platinum", "citation": { "quote": "Where You have received or been offered a refund, credit note or voucher for the cost of a booking, whether partially or in full, the amount offered or received is to be considered refundable", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=28", "page": 28, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "amount", "booking", "considered", "cost", "credit", "full", "note", "offered", "partially", "received" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "To the extent allowable at law, if You request copies of the information We relied on to make a decision about Your complaint, We must provide it within ten (10) business days of Your request", "read_from": "amex-platinum", "citation": { "quote": "To the extent allowable at law, if You request copies of the information We relied on to make a decision about Your complaint, We must provide it within ten (10) business days of Your request", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=49", "page": 49, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "about", "allowable", "business", "complaint", "copies", "days", "decision", "extent", "information", "make" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" } ] }, "HDI Global Speciality SE": { "policies_compared": 1, "policy_slugs": [ "zoom" ], "enough_policies_to_say_always": false, "distributors": [ "Coffre-Fort Pty Ltd" ], "distributor_not_read_for": [], "policies_may_be_one_wording": false, "clauses_in_every_one_of_its_policies": 994, "of_those_unique_to_it": 888, "exclusions_unique_to_it": [ { "clause": "d) If you cancel or shorten your journey because a relative of yours is hospitalised in Australia or New Zealand, or dies in Australia or New Zealand as a result of a pre-existing medical condition, after the policy is issued, we will not cover you unless at the time of policy issue, you were unaware of the likelihood of such hospitalisation or death", "read_from": "zoom", "citation": { "quote": "d) If you cancel or shorten your journey because a relative of yours is hospitalised in Australia or New Zealand, or dies in Australia or New Zealand as a result of a pre-existing medical condition, after the policy is issued, we will not cover you unless at the time of policy issue, you were unaware of the likelihood of such hospitalisation or death", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=41", "page": 41, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "after", "australia", "because", "cancel", "condition", "death", "dies", "existing", "hospitalisation", "hospitalised" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "COVER BENEFITS IN DETAIL b) To the extent permissible by law, we will not pay if you do not report the theft as soon as practicable after you become aware of the occurrence, preferably within 24 hours to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the theft occurred", "read_from": "zoom", "citation": { "quote": "COVER BENEFITS IN DETAIL b) To the extent permissible by law, we will not pay if you do not report the theft as soon as practicable after you become aware of the occurrence, preferably within 24 hours to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the theft occurred", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=49", "page": 49, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "after", "airline", "authority", "aware", "become", "benefits", "detail", "extent", "hours", "line" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "This section does not cover items such as, but not limited to, tyres and/or windscreens, roof and underbody if they are not covered by the protection provided by the rental company under the rental vehicle agreement to which the excess, deductible or damage liability fees applies", "read_from": "zoom", "citation": { "quote": "This section does not cover items such as, but not limited to, tyres and/or windscreens, roof and underbody if they are not covered by the protection provided by the rental company under the rental vehicle agreement to which the excess, deductible or damage liability fees applies", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=51", "page": 51, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "agreement", "applies", "company", "damage", "deductible", "excess", "fees", "items", "liability", "limited" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "where by sedan, hatch-back or similar motor vehicle, the bicycle must be either in the concealed storage compartment, or attached to a towbar or roof-mounted bicycle carrier and secured with a D-Lock or armour plated cable (valued at $100 or more)", "read_from": "zoom", "citation": { "quote": "where by sedan, hatch-back or similar motor vehicle, the bicycle must be either in the concealed storage compartment, or attached to a towbar or roof-mounted bicycle carrier and secured with a D-Lock or armour plated cable (valued at $100 or more)", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=63", "page": 63, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "armour", "attached", "back", "bicycle", "cable", "carrier", "compartment", "concealed", "either", "hatch" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Lloyd's", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "the advice or warning risk rating is “Do not travel” or advise against specific transport arrangements or participation in specific events or activities, unless a Government exemption from the Department of Home Affairs has been granted", "read_from": "zoom", "citation": { "quote": "the advice or warning risk rating is “Do not travel” or advise against specific transport arrangements or participation in specific events or activities, unless a Government exemption from the Department of Home Affairs has been granted", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=68", "page": 68, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "activities", "advice", "advise", "affairs", "against", "arrangements", "department", "events", "exemption", "government" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "the costs or expenses that you incurred were due to mandatory quarantine or isolation orders such as cross-border restrictions between states, countries, or regions, or if the government bans travel before or during your trip", "read_from": "zoom", "citation": { "quote": "the costs or expenses that you incurred were due to mandatory quarantine or isolation orders such as cross-border restrictions between states, countries, or regions, or if the government bans travel before or during your trip", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=7", "page": 7, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "bans", "before", "between", "border", "costs", "countries", "cross", "during", "expenses", "government" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "23.2 WE WILL NOT PAY a) We will not pay unless you obtain a written statement from the appropriate authority confirming that the reason for the delay was related to either an avalanche or bad weather, and how long it lasted", "read_from": "zoom", "citation": { "quote": "23.2 WE WILL NOT PAY a) We will not pay unless you obtain a written statement from the appropriate authority confirming that the reason for the delay was related to either an avalanche or bad weather, and how long it lasted", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=58", "page": 58, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "appropriate", "authority", "avalanche", "confirming", "delay", "either", "lasted", "long", "obtain", "reason" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "circumstances existed that you knew or should reasonably have known of at the time you either bought the policy or booked your travel, that may affect your travel or give rise to a claim under the policy", "read_from": "zoom", "citation": { "quote": "circumstances existed that you knew or should reasonably have known of at the time you either bought the policy or booked your travel, that may affect your travel or give rise to a claim under the policy", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=7", "page": 7, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "affect", "booked", "bought", "circumstances", "either", "existed", "give", "knew", "known", "reasonably" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "the mass media has indicated the existence or potential existence of circumstances (including circumstances referred to in the previous parts of this clause 11 above) that may affect your travel", "read_from": "zoom", "citation": { "quote": "the mass media has indicated the existence or potential existence of circumstances (including circumstances referred to in the previous parts of this clause 11 above) that may affect your travel", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=68", "page": 68, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "above", "affect", "circumstances", "clause", "existence", "including", "indicated", "mass", "media", "parts" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "d) For cancellations, delays or rescheduling by a bus line, airline, shipping line or rail authority unless it is due to a strike, riot, hijack, civil protest, weather or natural disaster", "read_from": "zoom", "citation": { "quote": "d) For cancellations, delays or rescheduling by a bus line, airline, shipping line or rail authority unless it is due to a strike, riot, hijack, civil protest, weather or natural disaster", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=34", "page": 34, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "airline", "authority", "cancellations", "civil", "delays", "disaster", "hijack", "line", "natural", "protest" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "unattended in any place at any time, unless secured in your accommodation (excluding shared accommodation or room such as a hostel, Airbnb or campgrounds), a safe or secure luggage locker", "read_from": "zoom", "citation": { "quote": "unattended in any place at any time, unless secured in your accommodation (excluding shared accommodation or room such as a hostel, Airbnb or campgrounds), a safe or secure luggage locker", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=46", "page": 46, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "accommodation", "airbnb", "campgrounds", "excluding", "hostel", "locker", "luggage", "place", "room", "safe" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "12.2 WE WILL NOT PAY a) We will not pay if you are entitled to compensation for the amount claimed from the bus line, airline, shipping line or rail authority on which you are travelling", "read_from": "zoom", "citation": { "quote": "12.2 WE WILL NOT PAY a) We will not pay if you are entitled to compensation for the amount claimed from the bus line, airline, shipping line or rail authority on which you are travelling", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=47", "page": 47, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "airline", "amount", "authority", "claimed", "compensation", "entitled", "line", "rail", "shipping", "travelling" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "b) We will not pay for any claims arising outside the period 15th December to 31st March in Northern Hemisphere resorts, and 15th June to 30th September in Southern Hemisphere resorts", "read_from": "zoom", "citation": { "quote": "b) We will not pay for any claims arising outside the period 15th December to 31st March in Northern Hemisphere resorts, and 15th June to 30th September in Southern Hemisphere resorts", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=57", "page": 57, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "15th", "30th", "31st", "arising", "claims", "december", "hemisphere", "june", "march", "northern" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "c) We will not pay for any claims arising outside the period 15th December to 31st March in Northern Hemisphere resorts and 15th June to 30th September in Southern Hemisphere resorts", "read_from": "zoom", "citation": { "quote": "c) We will not pay for any claims arising outside the period 15th December to 31st March in Northern Hemisphere resorts and 15th June to 30th September in Southern Hemisphere resorts", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=58", "page": 58, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "15th", "30th", "31st", "arising", "claims", "december", "hemisphere", "june", "march", "northern" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "We will not pay for any claims arising outside the period 15th December to 31st March in Northern Hemisphere resorts, and 15th June to 30th September in Southern Hemisphere resorts", "read_from": "zoom", "citation": { "quote": "We will not pay for any claims arising outside the period 15th December to 31st March in Northern Hemisphere resorts, and 15th June to 30th September in Southern Hemisphere resorts", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=52", "page": 52, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "15th", "30th", "31st", "arising", "claims", "december", "hemisphere", "june", "march", "northern" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "b) At any other time when the bicycle is unsupervised, the bicycle frame and wheels must be secured to a fixed object with a D-Lock or Armour plated cable (valued at $100 or more)", "read_from": "zoom", "citation": { "quote": "b) At any other time when the bicycle is unsupervised, the bicycle frame and wheels must be secured to a fixed object with a D-Lock or Armour plated cable (valued at $100 or more)", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=63", "page": 63, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "armour", "bicycle", "cable", "fixed", "frame", "lock", "object", "plated", "secured", "time" ], "classified_as": "excluded", "subject_found_elsewhere": [], "difference_is": "wording and subject: no other insurer's exclusions mention this" }, { "clause": "3B.2 WE WILL NOT PAY a) We will not pay if you were aware of any reason, before your period of cover commenced, that may cause your journey to be cancelled, disrupted or delayed", "read_from": "zoom", "citation": { "quote": "3B.2 WE WILL NOT PAY a) We will not pay if you were aware of any reason, before your period of cover commenced, that may cause your journey to be cancelled, disrupted or delayed", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=36", "page": 36, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "aware", "before", "cancelled", "cause", "commenced", "delayed", "disrupted", "journey", "period", "reason" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "15.2 WE WILL NOT PAY We will not pay for any amount you become legally liable to pay if the claim arises directly or indirectly from, or is in any way connected with, or is for", "read_from": "zoom", "citation": { "quote": "15.2 WE WILL NOT PAY We will not pay for any amount you become legally liable to pay if the claim arises directly or indirectly from, or is in any way connected with, or is for", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=49", "page": 49, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "amount", "arises", "become", "connected", "directly", "indirectly", "legally", "liable" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "b) We will not pay if the death, injury or illness of your relative arises from a pre-existing medical condition, except as specified under policy section 3B.1b) noted above", "read_from": "zoom", "citation": { "quote": "b) We will not pay if the death, injury or illness of your relative arises from a pre-existing medical condition, except as specified under policy section 3B.1b) noted above", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=36", "page": 36, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "above", "arises", "condition", "death", "except", "existing", "illness", "injury", "medical", "noted" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "you driving a motor vehicle or riding a moped or scooter without a current Australian drivers licence or drivers licence valid for the country you are driving or riding in", "read_from": "zoom", "citation": { "quote": "you driving a motor vehicle or riding a moped or scooter without a current Australian drivers licence or drivers licence valid for the country you are driving or riding in", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=67", "page": 67, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "australian", "country", "current", "drivers", "driving", "licence", "moped", "motor", "riding", "scooter" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "If you do not contact First Assistance or follow their guidance, we will not pay any expenses that would have been avoided or minimised if you had followed their guidance", "read_from": "zoom", "citation": { "quote": "If you do not contact First Assistance or follow their guidance, we will not pay any expenses that would have been avoided or minimised if you had followed their guidance", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=79", "page": 79, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "assistance", "avoided", "contact", "expenses", "first", "follow", "followed", "guidance", "minimised", "their" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "a) For expenses for medical evacuation, funeral services or cremation or bringing your remains back to Australia, unless it has been first approved by First Assistance", "read_from": "zoom", "citation": { "quote": "a) For expenses for medical evacuation, funeral services or cremation or bringing your remains back to Australia, unless it has been first approved by First Assistance", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=52", "page": 52, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "approved", "assistance", "australia", "back", "bringing", "cremation", "evacuation", "expenses", "first", "funeral" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "3A.2 WE WILL NOT PAY a) We will not pay if you were aware of any reason, before your period of cover commenced, that may cause your journey to be cancelled, disrupted", "read_from": "zoom", "citation": { "quote": "3A.2 WE WILL NOT PAY a) We will not pay if you were aware of any reason, before your period of cover commenced, that may cause your journey to be cancelled, disrupted", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=35", "page": 35, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "aware", "before", "cancelled", "cause", "commenced", "disrupted", "journey", "period", "reason" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "d) Any claims arising from snow sport activities under this policy section, regardless of whether you have purchased “snow pack” (however, refer to policy Section 17", "read_from": "zoom", "citation": { "quote": "d) Any claims arising from snow sport activities under this policy section, regardless of whether you have purchased “snow pack” (however, refer to policy Section 17", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=31", "page": 31, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "activities", "arising", "claims", "however", "pack", "purchased", "refer", "regardless", "section", "snow" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "14.2 WE WILL NOT PAY a) We will not pay if the cash, bank notes, currency notes, postal orders or money orders were not on your person at the time they were stolen", "read_from": "zoom", "citation": { "quote": "14.2 WE WILL NOT PAY a) We will not pay if the cash, bank notes, currency notes, postal orders or money orders were not on your person at the time they were stolen", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=48", "page": 48, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "bank", "cash", "currency", "money", "notes", "orders", "postal", "stolen", "they", "time" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" } ], "other_clauses_unique_to_it": [ { "clause": "b) The loss or damage to your jewellery, mobile phone, camera, video camera, personal computer, computer equipment or their accessories occurs while checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus, including any loss from the point of check in until collection by you from the baggage carousel or collection area at the end of your flight, voyage or trip", "read_from": "zoom", "citation": { "quote": "b) The loss or damage to your jewellery, mobile phone, camera, video camera, personal computer, computer equipment or their accessories occurs while checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus, including any loss from the point of check in until collection by you from the baggage carousel or collection area at the end of your flight, voyage or trip", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=45", "page": 45, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "accessories", "aircraft", "area", "baggage", "camera", "cargo", "carousel", "check", "checked", "collection" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "If we do so, any updates that are not materially adverse to you from the point of view of a reasonable person deciding whether to buy this insurance, will be available on our website https://www.zoomtravelinsurance.com.au/policy Should We substantially amend this PDS, We will issue You with a Supplementary Product Disclosure Statement (SPDS) which will provide details of these amendments", "read_from": "zoom", "citation": { "quote": "If we do so, any updates that are not materially adverse to you from the point of view of a reasonable person deciding whether to buy this insurance, will be available on our website https://www.zoomtravelinsurance.com.au/policy Should We substantially amend this PDS, We will issue You with a Supplementary Product Disclosure Statement (SPDS) which will provide details of these amendments", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=10", "page": 10, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "adverse", "amend", "amendments", "available", "deciding", "details", "disclosure", "https", "insurance", "issue" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "b) If, the relative is hospitalised in Australia or New Zealand or dies in Australia or New Zealand after the policy is issued as a result of a preexisting medical condition, and at the time your certificate of insurance was issued, you were unaware of the likelihood of such hospitalisation or death, the most we will pay under this benefit is $2,000 per adult traveller", "read_from": "zoom", "citation": { "quote": "b) If, the relative is hospitalised in Australia or New Zealand or dies in Australia or New Zealand after the policy is issued as a result of a preexisting medical condition, and at the time your certificate of insurance was issued, you were unaware of the likelihood of such hospitalisation or death, the most we will pay under this benefit is $2,000 per adult traveller", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=36", "page": 36, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "adult", "after", "australia", "benefit", "certificate", "condition", "death", "dies", "hospitalisation", "hospitalised" ], "classified_as": "covered", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "any summons notice or process to be served on the insurer may be served to HDI Global Specialty SE, Level 19, 20 Martin Place, S dne NSW 2000 who has authority to accept service and to enter an appearance on the insurer’s behalf, and who is directed at your request to give a written undertaking that he will enter an appearance on the insurer’s behalf", "read_from": "zoom", "citation": { "quote": "any summons notice or process to be served on the insurer may be served to HDI Global Specialty SE, Level 19, 20 Martin Place, S dne NSW 2000 who has authority to accept service and to enter an appearance on the insurer’s behalf, and who is directed at your request to give a written undertaking that he will enter an appearance on the insurer’s behalf", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=78", "page": 78, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "accept", "appearance", "authority", "behalf", "directed", "enter", "give", "level", "martin", "notice" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "b) If the relative is hospitalised in New Zealand or Australia or dies in New Zealand or Australia after the policy is issued arising out of a pre-existing medical condition, and you were unaware of the likelihood of such hospitalisation or death at the time the policy was issued, the most we will pay under this section is $2,000 per adult traveller", "read_from": "zoom", "citation": { "quote": "b) If the relative is hospitalised in New Zealand or Australia or dies in New Zealand or Australia after the policy is issued arising out of a pre-existing medical condition, and you were unaware of the likelihood of such hospitalisation or death at the time the policy was issued, the most we will pay under this section is $2,000 per adult traveller", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=35", "page": 35, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "adult", "after", "arising", "australia", "condition", "death", "dies", "existing", "hospitalisation", "hospitalised" ], "classified_as": "covered", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "if you are travelling against medical advice if you are travelling with the intention to (or in any case do) obtain elective medical treatment (including any cosmetic or dental procedures) for ongoing or routine treatment or medication for any pre-existing medical condition which existed at the time of date of issue of the certificate of insurance", "read_from": "zoom", "citation": { "quote": "if you are travelling against medical advice if you are travelling with the intention to (or in any case do) obtain elective medical treatment (including any cosmetic or dental procedures) for ongoing or routine treatment or medication for any pre-existing medical condition which existed at the time of date of issue of the certificate of insurance", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=27", "page": 27, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "advice", "against", "case", "certificate", "condition", "cosmetic", "date", "dental", "elective", "existed" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "3C.1 WE WILL PAY a) We will reimburse reasonable additional accommodation and travel expenses you incur to remain with your travelling companion if he or she cannot continue their journey overseas because of an injury or illness which needs immediate treatment from a medical adviser who certifies that your travelling companion is unfit to travel", "read_from": "zoom", "citation": { "quote": "3C.1 WE WILL PAY a) We will reimburse reasonable additional accommodation and travel expenses you incur to remain with your travelling companion if he or she cannot continue their journey overseas because of an injury or illness which needs immediate treatment from a medical adviser who certifies that your travelling companion is unfit to travel", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=37", "page": 37, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "accommodation", "additional", "adviser", "because", "cannot", "certifies", "companion", "continue", "expenses", "illness" ], "classified_as": "covered", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "If you do not report the theft, loss or damage as soon as practicable after becoming aware of the occurrence, preferably within 24 hours to the police and, in the case of transaction cards or travellers cheques, to the issuing bank or company in accordance with the conditions under which the transaction cards or travellers cheques were issued", "read_from": "zoom", "citation": { "quote": "If you do not report the theft, loss or damage as soon as practicable after becoming aware of the occurrence, preferably within 24 hours to the police and, in the case of transaction cards or travellers cheques, to the issuing bank or company in accordance with the conditions under which the transaction cards or travellers cheques were issued", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=48", "page": 48, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "accordance", "after", "aware", "bank", "becoming", "cards", "case", "cheques", "company", "conditions" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Your claim arises from, is related to or associated with an actual or likely epidemic or pandemic or outbreak of a contagious disease or any derivative or mutation of such viruses, except for the cover which is in place for Coronavirus related claims (meaning COVID-19 or SARS-COV-2 or any mutation or variation of these) as specified on Page 3", "read_from": "zoom", "citation": { "quote": "Your claim arises from, is related to or associated with an actual or likely epidemic or pandemic or outbreak of a contagious disease or any derivative or mutation of such viruses, except for the cover which is in place for Coronavirus related claims (meaning COVID-19 or SARS-COV-2 or any mutation or variation of these) as specified on Page 3", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=67", "page": 67, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "actual", "arises", "associated", "claims", "contagious", "coronavirus", "covid", "derivative", "disease", "epidemic" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Your claim arises from, or is associated with costs or expenses incurred due to mandatory quarantine, lockdown, curfew, or isolation orders required, such as (but not limited to) border restrictions between states, countries, or regions, or if the government bans travel or imposes travel permit requirements before or during your trip", "read_from": "zoom", "citation": { "quote": "Your claim arises from, or is associated with costs or expenses incurred due to mandatory quarantine, lockdown, curfew, or isolation orders required, such as (but not limited to) border restrictions between states, countries, or regions, or if the government bans travel or imposes travel permit requirements before or during your trip", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=68", "page": 68, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "arises", "associated", "bans", "before", "between", "border", "costs", "countries", "curfew", "during" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "COVER BENEFITS IN DETAIL e) Any loss, damage or expenses which are covered or should have been covered under a statutory or compulsory insurance policy, statutory or compulsory insurance or compensation scheme or fund, or under worker’s compensation legislation, an industrial award or agreement, or accident compensation legislation", "read_from": "zoom", "citation": { "quote": "COVER BENEFITS IN DETAIL e) Any loss, damage or expenses which are covered or should have been covered under a statutory or compulsory insurance policy, statutory or compulsory insurance or compensation scheme or fund, or under worker’s compensation legislation, an industrial award or agreement, or accident compensation legislation", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=50", "page": 50, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "accident", "agreement", "award", "benefits", "compensation", "compulsory", "damage", "detail", "expenses", "fund" ], "classified_as": "covered", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "It means your or their spouse, de facto partner, husband, wife, partner, fiancé (e), parent, parent-in-law, stepparent, stepparent-in-law, sister, sister-in-law, brother, brother-in-law, son, son-in-law, daughter, daughter-in-law, stepchild, foster child, grandparent, grandchild, niece, nephew, aunt, uncle or guardian only", "read_from": "zoom", "citation": { "quote": "It means your or their spouse, de facto partner, husband, wife, partner, fiancé (e), parent, parent-in-law, stepparent, stepparent-in-law, sister, sister-in-law, brother, brother-in-law, son, son-in-law, daughter, daughter-in-law, stepchild, foster child, grandparent, grandchild, niece, nephew, aunt, uncle or guardian only", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=83", "page": 83, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "aunt", "brother", "child", "daughter", "facto", "fianc", "foster", "grandchild", "grandparent", "guardian" ], "classified_as": "mentioned", "subject_found_elsewhere": [], "difference_is": "wording and subject: no other insurer's exclusions mention this" }, { "clause": "Notwithstanding anything contained in this PDS we will not be deemed to provide cover nor will we make any payment or provide any service or benefit to any person or party where providing such cover, payment, service or benefit would contravene or violate any applicable trade or economic sanction or any law or regulation", "read_from": "zoom", "citation": { "quote": "Notwithstanding anything contained in this PDS we will not be deemed to provide cover nor will we make any payment or provide any service or benefit to any person or party where providing such cover, payment, service or benefit would contravene or violate any applicable trade or economic sanction or any law or regulation", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=77", "page": 77, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "anything", "applicable", "benefit", "contained", "contravene", "deemed", "economic", "make", "notwithstanding", "party" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "24/7 Emergency Assistance Services, if you injure yourself or become sick or die while overseas and it is necessary to repatriate you or your remains, we will, at our option, pay the lesser of the cost of returning you to your home in Australia, or to the international airport nearest to where you normally live overseas", "read_from": "zoom", "citation": { "quote": "24/7 Emergency Assistance Services, if you injure yourself or become sick or die while overseas and it is necessary to repatriate you or your remains, we will, at our option, pay the lesser of the cost of returning you to your home in Australia, or to the international airport nearest to where you normally live overseas", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=9", "page": 9, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "airport", "assistance", "australia", "become", "cost", "emergency", "home", "injure", "international", "lesser" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Insurance Geeks Pty Ltd is registered at Level 21, 68 Pitt Street, Sydney NSW 2000, Australia, and is responsible for the financial services provided to you and is also responsible for the content and distribution of the FSG.Insurance Geeks and Zoom Travel Insurance acts as an agent of the insurer and not as your agent", "read_from": "zoom", "citation": { "quote": "Insurance Geeks Pty Ltd is registered at Level 21, 68 Pitt Street, Sydney NSW 2000, Australia, and is responsible for the financial services provided to you and is also responsible for the content and distribution of the FSG.Insurance Geeks and Zoom Travel Insurance acts as an agent of the insurer and not as your agent", "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" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "acts", "agent", "also", "australia", "content", "distribution", "financial", "geeks", "insurance", "level" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" } ] }, "Lloyd's": { "policies_compared": 2, "policy_slugs": [ "fast-cover", "travel-insurance-saver" ], "enough_policies_to_say_always": true, "distributors": [ "Chase Underwriting Solutions Pty Ltd" ], "distributor_not_read_for": [ "fast-cover" ], "policies_may_be_one_wording": false, "clauses_in_every_one_of_its_policies": 3, "of_those_unique_to_it": 3, "exclusions_unique_to_it": [], "other_clauses_unique_to_it": [ { "clause": "if a dispute arises under this Insurance, this Insurance will be subject to Australian law and practice and the Underwriters will submit to the jurisdiction of any competent Court in the Commonwealth of Australia", "read_from": "fast-cover", "citation": { "quote": "if a dispute arises under this Insurance, this Insurance will be subject to Australian law and practice and the Underwriters will submit to the jurisdiction of any competent Court in the Commonwealth of Australia", "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=106", "page": 106, "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "arises", "australia", "australian", "commonwealth", "competent", "court", "dispute", "insurance", "jurisdiction", "practice" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "You can also access any other external dispute resolution or other options that may be available to You", "read_from": "fast-cover", "citation": { "quote": "You can also access any other external dispute resolution or other options that may be available to You", "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=106", "page": 106, "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "access", "also", "available", "dispute", "external", "options", "resolution" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "any summons notice or process to be served upon the Underwriters may be served upon", "read_from": "fast-cover", "citation": { "quote": "any summons notice or process to be served upon the Underwriters may be served upon", "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=106", "page": 106, "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "notice", "process", "served", "summons", "upon" ], "classified_as": "mentioned", "subject_found_elsewhere": [], "difference_is": "wording and subject: no other insurer's exclusions mention this" } ] }, "Mitsui Sumitomo Insurance Company Limited": { "policies_compared": 2, "policy_slugs": [ "insureandgo", "tick" ], "enough_policies_to_say_always": true, "distributors": [ "Europ Assistance Australia Pty Ltd" ], "distributor_not_read_for": [], "policies_may_be_one_wording": true, "clauses_in_every_one_of_its_policies": 352, "of_those_unique_to_it": 328, "exclusions_unique_to_it": [ { "clause": "Any costs that would not have been incurred had you told the appropriate holiday company, including but not limited to tour operators, travel agents, transport providers, or accommodation providers, as soon as you knew you had to cancel your trip", "read_from": "insureandgo", "citation": { "quote": "Any costs that would not have been incurred had you told the appropriate holiday company, including but not limited to tour operators, travel agents, transport providers, or accommodation providers, as soon as you knew you had to cancel your trip", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=32", "page": 32, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "accommodation", "agents", "appropriate", "cancel", "company", "costs", "holiday", "including", "incurred", "knew" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "your additional reasonable and necessary travel and accommodation expenses outside of Australia, incurred after departure, that are over and above what you had originally budgeted to pay, where you need to catch-up to your original schedule", "read_from": "insureandgo", "citation": { "quote": "your additional reasonable and necessary travel and accommodation expenses outside of Australia, incurred after departure, that are over and above what you had originally budgeted to pay, where you need to catch-up to your original schedule", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=49", "page": 49, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "above", "accommodation", "additional", "after", "australia", "budgeted", "catch", "departure", "expenses", "incurred" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "We will not cover you for loss or an event or liability to the extent that it is covered by any other insurance policy, medical or health scheme or Act of Parliament or any benefit which we are legally prohibited to pay by law", "read_from": "insureandgo", "citation": { "quote": "We will not cover you for loss or an event or liability to the extent that it is covered by any other insurance policy, medical or health scheme or Act of Parliament or any benefit which we are legally prohibited to pay by law", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=27", "page": 27, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "benefit", "event", "extent", "health", "insurance", "legally", "liability", "loss", "medical", "parliament" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "arising due to you owning, possessing or using mechanically propelled vehicles, cars, watercraft or aircraft of any description, animals (other than horses, domestic cats or dogs), firearms or weapons", "read_from": "insureandgo", "citation": { "quote": "arising due to you owning, possessing or using mechanically propelled vehicles, cars, watercraft or aircraft of any description, animals (other than horses, domestic cats or dogs), firearms or weapons", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=44", "page": 44, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "aircraft", "animals", "arising", "cars", "cats", "description", "dogs", "domestic", "firearms", "horses" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Chubb Insurance Australia Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Any financial product advice provided by Europ Assistance is general only and is provided without taking into consideration your personal circumstances, objects or financial situation", "read_from": "insureandgo", "citation": { "quote": "Any financial product advice provided by Europ Assistance is general only and is provided without taking into consideration your personal circumstances, objects or financial situation", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=58", "page": 58, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "advice", "assistance", "circumstances", "consideration", "europ", "financial", "general", "into", "objects", "only" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "there is an accident involving a vehicle you were planning to travel in, which happens within seven days before the date you planned to leave and means you cannot use the vehicle", "read_from": "insureandgo", "citation": { "quote": "there is an accident involving a vehicle you were planning to travel in, which happens within seven days before the date you planned to leave and means you cannot use the vehicle", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=32", "page": 32, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "accident", "before", "cannot", "date", "days", "happens", "involving", "leave", "means", "planned" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "travel and accommodation expenses and pre-paid meal expenses which you have paid or have agreed to pay under a contract and which you cannot reasonably recover from any sources", "read_from": "insureandgo", "citation": { "quote": "travel and accommodation expenses and pre-paid meal expenses which you have paid or have agreed to pay under a contract and which you cannot reasonably recover from any sources", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=49", "page": 49, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "accommodation", "agreed", "cannot", "contract", "expenses", "meal", "paid", "reasonably", "recover", "sources" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Any claim arising as a result of you, or any person for whom you may cancel or alter your travel plans, failing to get the inoculations or vaccinations that you need to travel", "read_from": "insureandgo", "citation": { "quote": "Any claim arising as a result of you, or any person for whom you may cancel or alter your travel plans, failing to get the inoculations or vaccinations that you need to travel", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=56", "page": 56, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "alter", "arising", "cancel", "failing", "inoculations", "need", "plans", "result", "travel", "vaccinations" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Any Winter sports equipment that you lost or was stolen or damaged during a journey, unless you report this to the carrier and get a property irregularity report at the time", "read_from": "insureandgo", "citation": { "quote": "Any Winter sports equipment that you lost or was stolen or damaged during a journey, unless you report this to the carrier and get a property irregularity report at the time", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=51", "page": 51, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "carrier", "damaged", "during", "equipment", "irregularity", "journey", "lost", "property", "report", "sports" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "the emergency assistance provider who will record all calls to the assistance service provided under your policy for quality assurance training and verification purposes", "read_from": "insureandgo", "citation": { "quote": "the emergency assistance provider who will record all calls to the assistance service provided under your policy for quality assurance training and verification purposes", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=25", "page": 25, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "assistance", "assurance", "calls", "emergency", "provided", "provider", "purposes", "quality", "record", "service" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Any claims arising from you knowingly failing to follow reasonable COVID-19 instructions provided by health authorities, governments or any accredited health institution", "read_from": "insureandgo", "citation": { "quote": "Any claims arising from you knowingly failing to follow reasonable COVID-19 instructions provided by health authorities, governments or any accredited health institution", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=49", "page": 49, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "accredited", "arising", "authorities", "claims", "covid", "failing", "follow", "governments", "health", "institution" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Any legal action where we have been prejudiced against because the claim is reported to us more than 6 months after the accident causing your death or personal injury", "read_from": "insureandgo", "citation": { "quote": "Any legal action where we have been prejudiced against because the claim is reported to us more than 6 months after the accident causing your death or personal injury", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=45", "page": 45, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "accident", "action", "after", "against", "because", "causing", "death", "injury", "legal", "months" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Any treatment or surgery which is not immediately medically necessary and can wait until you return home, including any routine medical, dental or prenatal visits", "read_from": "insureandgo", "citation": { "quote": "Any treatment or surgery which is not immediately medically necessary and can wait until you return home, including any routine medical, dental or prenatal visits", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=34", "page": 34, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "dental", "home", "immediately", "including", "medical", "medically", "necessary", "prenatal", "return", "routine" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "the entities to which we and Europ Assistance are related contractors or third-party providers providing services related to the administration of your policy", "read_from": "insureandgo", "citation": { "quote": "the entities to which we and Europ Assistance are related contractors or third-party providers providing services related to the administration of your policy", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=25", "page": 25, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "administration", "assistance", "contractors", "entities", "europ", "party", "providers", "providing", "related", "services" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Any change of plans because you or your travelling companion change your mind and decide not to proceed with your original trip, or choose not to travel", "read_from": "insureandgo", "citation": { "quote": "Any change of plans because you or your travelling companion change your mind and decide not to proceed with your original trip, or choose not to travel", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=32", "page": 32, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "because", "change", "choose", "companion", "decide", "mind", "original", "plans", "proceed", "travel" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Any legal action where a qualified legal practitioner considers there would be no likelihood of success or no benefit in seeking compensation or damages", "read_from": "insureandgo", "citation": { "quote": "Any legal action where a qualified legal practitioner considers there would be no likelihood of success or no benefit in seeking compensation or damages", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=45", "page": 45, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "action", "benefit", "compensation", "considers", "damages", "legal", "likelihood", "practitioner", "qualified", "seeking" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Any claim arising from your tour being cancelled due to insufficient numbers, other operational reasons, or the negligence of a wholesaler or operator", "read_from": "insureandgo", "citation": { "quote": "Any claim arising from your tour being cancelled due to insufficient numbers, other operational reasons, or the negligence of a wholesaler or operator", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=57", "page": 57, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "arising", "being", "cancelled", "insufficient", "negligence", "numbers", "operational", "operator", "reasons", "tour" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Any item that within 72 hours, or as soon as reasonably practicable, after discovering it was lost or stolen you did not get a written police report", "read_from": "insureandgo", "citation": { "quote": "Any item that within 72 hours, or as soon as reasonably practicable, after discovering it was lost or stolen you did not get a written police report", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=51", "page": 51, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "after", "discovering", "hours", "item", "lost", "police", "practicable", "reasonably", "report", "soon" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "suppliers, commercial partners and other third parties with whom we have commercial relationships, for business, marketing, and related purposes", "read_from": "insureandgo", "citation": { "quote": "suppliers, commercial partners and other third parties with whom we have commercial relationships, for business, marketing, and related purposes", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=25", "page": 25, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "business", "commercial", "marketing", "parties", "partners", "purposes", "related", "relationships", "suppliers", "third" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Chubb Insurance Australia Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "assessors, third party administrators, emergency assistance providers, retailers, medical providers, travel carriers, in the event of a claim", "read_from": "insureandgo", "citation": { "quote": "assessors, third party administrators, emergency assistance providers, retailers, medical providers, travel carriers, in the event of a claim", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=25", "page": 25, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "administrators", "assessors", "assistance", "carriers", "emergency", "event", "medical", "party", "providers", "retailers" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Any claim arising from errors or omissions in your booking arrangements by you, your travel agent or any other person acting on your behalf", "read_from": "insureandgo", "citation": { "quote": "Any claim arising from errors or omissions in your booking arrangements by you, your travel agent or any other person acting on your behalf", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=57", "page": 57, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "acting", "agent", "arising", "arrangements", "behalf", "booking", "errors", "omissions", "travel" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "arising due to you owning, possessing, using or living on any land or in buildings, except temporarily for the purposes of the trip", "read_from": "insureandgo", "citation": { "quote": "arising due to you owning, possessing, using or living on any land or in buildings, except temporarily for the purposes of the trip", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=44", "page": 44, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "arising", "buildings", "except", "land", "living", "owning", "possessing", "purposes", "temporarily", "using" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "arising in connection with a contract you have entered into unless such liability would have arisen in the absence of the contract", "read_from": "insureandgo", "citation": { "quote": "arising in connection with a contract you have entered into unless such liability would have arisen in the absence of the contract", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=44", "page": 44, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "absence", "arisen", "arising", "connection", "contract", "entered", "into", "liability", "unless", "would" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "your partner, relative or your travelling companion deliberately putting themselves in danger (unless trying to save a human life)", "read_from": "insureandgo", "citation": { "quote": "your partner, relative or your travelling companion deliberately putting themselves in danger (unless trying to save a human life)", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=55", "page": 55, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "companion", "danger", "deliberately", "human", "life", "partner", "putting", "relative", "save", "themselves" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "All commissions and/or fees paid to Europ Assistance are included in the premium that you pay for your travel insurance policy", "read_from": "insureandgo", "citation": { "quote": "All commissions and/or fees paid to Europ Assistance are included in the premium that you pay for your travel insurance policy", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=59", "page": 59, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "assistance", "commissions", "europ", "fees", "included", "insurance", "paid", "premium", "travel" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" } ], "other_clauses_unique_to_it": [ { "clause": "Terrorist act Any actual or threatened use of force or violence directed at or causing damage, injury, harm or disruption, or committing of an act dangerous to human life or property, against any individual, property or government, with the stated or unstated objective of pursuing economic, ethnic, nationalistic, political, racial or religious interests, whether such interests are declared or not", "read_from": "insureandgo", "citation": { "quote": "Terrorist act Any actual or threatened use of force or violence directed at or causing damage, injury, harm or disruption, or committing of an act dangerous to human life or property, against any individual, property or government, with the stated or unstated objective of pursuing economic, ethnic, nationalistic, political, racial or religious interests, whether such interests are declared or not", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=30", "page": 30, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "actual", "against", "causing", "committing", "damage", "dangerous", "declared", "directed", "disruption", "economic" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Public place Includes but is not limited to shops, airports (including airport lounges), train stations, bus stations, streets, hotel foyers and grounds, hotel or motel room after you have checked out (including peer to peer service such as Airbnb), function, exhibition or conference centres, restaurants, beaches, public toilets, public transport and any place to which the public has access", "read_from": "insureandgo", "citation": { "quote": "Public place Includes but is not limited to shops, airports (including airport lounges), train stations, bus stations, streets, hotel foyers and grounds, hotel or motel room after you have checked out (including peer to peer service such as Airbnb), function, exhibition or conference centres, restaurants, beaches, public toilets, public transport and any place to which the public has access", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=30", "page": 30, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "access", "after", "airbnb", "airport", "airports", "beaches", "centres", "checked", "conference", "exhibition" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "We will pay up to the amount shown in the Table of benefits for your reasonable and necessary additional accommodation, meal and travelling expenses (including emergency personal telephone calls), incurred after departure, that are over and above what you had originally budgeted to pay, if your trip is disrupted, or you are required to return to your home in Australia, because of", "read_from": "insureandgo", "citation": { "quote": "We will pay up to the amount shown in the Table of benefits for your reasonable and necessary additional accommodation, meal and travelling expenses (including emergency personal telephone calls), incurred after departure, that are over and above what you had originally budgeted to pay, if your trip is disrupted, or you are required to return to your home in Australia, because of", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=35", "page": 35, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "above", "accommodation", "additional", "after", "amount", "australia", "because", "benefits", "budgeted", "calls" ], "classified_as": "covered", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Financial default Insolvency, bankruptcy, provisional liquidation, liquidation, financial collapse, appointment of a receiver, manager or administrator, entry into any official or unofficial scheme of arrangement, statutory protection, restructuring or composition with creditors, or the happening of anything of a similar nature under the laws of any jurisdiction", "read_from": "insureandgo", "citation": { "quote": "Financial default Insolvency, bankruptcy, provisional liquidation, liquidation, financial collapse, appointment of a receiver, manager or administrator, entry into any official or unofficial scheme of arrangement, statutory protection, restructuring or composition with creditors, or the happening of anything of a similar nature under the laws of any jurisdiction", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=29", "page": 29, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "administrator", "anything", "appointment", "arrangement", "bankruptcy", "collapse", "composition", "creditors", "default", "entry" ], "classified_as": "mentioned", "subject_found_elsewhere": [], "difference_is": "wording and subject: no other insurer's exclusions mention this" }, { "clause": "Any claim arising from government authority seizing, withholding or destroying anything of yours, any prohibition by or regulation or intervention (including but not limited to interference with your travel plans) of any government, or the operation of legal processes, law enforcement officers or immigration officials acting in the course of their duties", "read_from": "insureandgo", "citation": { "quote": "Any claim arising from government authority seizing, withholding or destroying anything of yours, any prohibition by or regulation or intervention (including but not limited to interference with your travel plans) of any government, or the operation of legal processes, law enforcement officers or immigration officials acting in the course of their duties", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=56", "page": 56, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "acting", "anything", "arising", "authority", "course", "destroying", "duties", "enforcement", "government", "immigration" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "If the claim relates to your return travel to Australia and you do not hold a return ticket, we will deduct from your claim an amount equal to your original carriers published one way airfare (based on the same class of travel as that paid by you for your outward trip) for the route used for your return", "read_from": "insureandgo", "citation": { "quote": "If the claim relates to your return travel to Australia and you do not hold a return ticket, we will deduct from your claim an amount equal to your original carriers published one way airfare (based on the same class of travel as that paid by you for your outward trip) for the route used for your return", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=35", "page": 35, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "airfare", "amount", "australia", "based", "carriers", "class", "deduct", "equal", "hold", "original" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Any claim arising from an epidemic, pandemic or outbreak of an infectious disease or any derivative or mutation of such virus or disease (or arising directly or indirectly from these) or the threat, or what a reasonable person in the circumstances would perceive to be the threat, of any of these", "read_from": "insureandgo", "citation": { "quote": "Any claim arising from an epidemic, pandemic or outbreak of an infectious disease or any derivative or mutation of such virus or disease (or arising directly or indirectly from these) or the threat, or what a reasonable person in the circumstances would perceive to be the threat, of any of these", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=57", "page": 57, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "arising", "circumstances", "derivative", "directly", "disease", "epidemic", "indirectly", "infectious", "mutation", "outbreak" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Cash and other negotiable items, Gold or precious metals, precious unset or uncut gemstones, bonds, coupons, stamps, negotiable instruments, deeds, manuscripts, securities of any kind, bullion, tools of trade, traveller’s samples, or property of any kind used wholly or partially for business", "read_from": "insureandgo", "citation": { "quote": "Cash and other negotiable items, Gold or precious metals, precious unset or uncut gemstones, bonds, coupons, stamps, negotiable instruments, deeds, manuscripts, securities of any kind, bullion, tools of trade, traveller’s samples, or property of any kind used wholly or partially for business", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=42", "page": 42, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "bonds", "bullion", "business", "cash", "coupons", "deeds", "gemstones", "gold", "instruments", "items" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "HDI Global Speciality SE", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Privacy Consent and Disclosure We and Europ Assistance comply with the requirements of the Privacy Act 1988 (Cth) (Privacy Act) (including the Australian Privacy Principles), which apply to any personal information (as defined in the Privacy Act) that is collected by Europ Assistance", "read_from": "insureandgo", "citation": { "quote": "Privacy Consent and Disclosure We and Europ Assistance comply with the requirements of the Privacy Act 1988 (Cth) (Privacy Act) (including the Australian Privacy Principles), which apply to any personal information (as defined in the Privacy Act) that is collected by Europ Assistance", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=24", "page": 24, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "apply", "assistance", "australian", "collected", "comply", "consent", "defined", "disclosure", "europ", "including" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "We will pay up to the amount shown in the Table of benefits for extra kennel or cattery fees if your final inward journey returning home by aircraft is delayed during your trip for more than 24 hours due to poor weather conditions, a strike, industrial action or mechanical breakdown", "read_from": "insureandgo", "citation": { "quote": "We will pay up to the amount shown in the Table of benefits for extra kennel or cattery fees if your final inward journey returning home by aircraft is delayed during your trip for more than 24 hours due to poor weather conditions, a strike, industrial action or mechanical breakdown", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=46", "page": 46, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "action", "aircraft", "amount", "benefits", "breakdown", "cattery", "conditions", "delayed", "during", "extra" ], "classified_as": "covered", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "We will have control over any legal representatives appointed and any proceedings, and we will be entitled to take over and carry out in your name your defence of any claim or to prosecute for our own benefit any claims for indemnity, damages or otherwise against anyone else", "read_from": "insureandgo", "citation": { "quote": "We will have control over any legal representatives appointed and any proceedings, and we will be entitled to take over and carry out in your name your defence of any claim or to prosecute for our own benefit any claims for indemnity, damages or otherwise against anyone else", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=45", "page": 45, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "against", "anyone", "appointed", "benefit", "carry", "claims", "control", "damages", "defence", "else" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Any legal action against us, Europ Assistance, or our or Europ Assistance’s related bodies corporate and related entities, a tour operator, travel agent, accommodation supplier, or carrier involved in the arrangement or provision of your travel or accommodation for the trip", "read_from": "insureandgo", "citation": { "quote": "Any legal action against us, Europ Assistance, or our or Europ Assistance’s related bodies corporate and related entities, a tour operator, travel agent, accommodation supplier, or carrier involved in the arrangement or provision of your travel or accommodation for the trip", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=45", "page": 45, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "accommodation", "action", "against", "agent", "arrangement", "assistance", "bodies", "carrier", "corporate", "entities" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "If you have a multiple destination itinerary, you should select the travel plan for the destination where you will spend the majority of your trip overseas except where you will spend more than 48 hours of your trip in the continents of North America or South America", "read_from": "insureandgo", "citation": { "quote": "If you have a multiple destination itinerary, you should select the travel plan for the destination where you will spend the majority of your trip overseas except where you will spend more than 48 hours of your trip in the continents of North America or South America", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=11", "page": 11, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "america", "continents", "destination", "except", "hours", "itinerary", "majority", "multiple", "north", "overseas" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Any medical treatment that you receive after you have refused the offer of returning to your home, when, Europ Assistance reasonably considered you were fit to return home (or to your final destination if on a one-way trip) according to the available medical advice", "read_from": "insureandgo", "citation": { "quote": "Any medical treatment that you receive after you have refused the offer of returning to your home, when, Europ Assistance reasonably considered you were fit to return home (or to your final destination if on a one-way trip) according to the available medical advice", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=34", "page": 34, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "according", "advice", "after", "assistance", "available", "considered", "destination", "europ", "final", "home" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "We will pay up to the amount shown in the Table of benefits for the reasonable cost of buying essential items whilst your baggage is not in your possession if your baggage is delayed by an airline or transport company during your trip for more than 8 hours", "read_from": "insureandgo", "citation": { "quote": "We will pay up to the amount shown in the Table of benefits for the reasonable cost of buying essential items whilst your baggage is not in your possession if your baggage is delayed by an airline or transport company during your trip for more than 8 hours", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=40", "page": 40, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 2, "in_other_insurers_policies": 0, "subject_words": [ "airline", "amount", "baggage", "benefits", "buying", "company", "cost", "delayed", "during", "essential" ], "classified_as": "covered", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" } ] }, "Tokio Marine & Nichido Fire Insurance Co., Ltd": { "policies_compared": 1, "policy_slugs": [ "racv" ], "enough_policies_to_say_always": false, "distributors": [ "Tokio Marine & Nichido Fire Insurance Co., Ltd" ], "distributor_not_read_for": [], "policies_may_be_one_wording": false, "clauses_in_every_one_of_its_policies": 854, "of_those_unique_to_it": 793, "exclusions_unique_to_it": [ { "clause": "For these types of cruises, at the time You purchase Your policy, please select ‘Australian Cruise’ and add all countries and regions being visited in the destination list - this will ensure You have cover for medical evacuation and medical costs while overseas or onboard, but please note any medical treatment received onshore in Australia is not covered as this is provided by Medicare", "read_from": "racv", "citation": { "quote": "For these types of cruises, at the time You purchase Your policy, please select ‘Australian Cruise’ and add all countries and regions being visited in the destination list - this will ensure You have cover for medical evacuation and medical costs while overseas or onboard, but please note any medical treatment received onshore in Australia is not covered as this is provided by Medicare", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=5", "page": 5, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "australia", "australian", "being", "costs", "countries", "cruise", "cruises", "destination", "ensure", "evacuation" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "If We consider any change in health no longer satisfies the criteria We offer under the policy because it substantially increases the risk of loss, damage, illness, injury or liability, then We will let You know and decline or withdraw coverage, as applicable, by issuing You an updated COI with any applicable changes to Medical Conditions that are or are not covered by the policy", "read_from": "racv", "citation": { "quote": "If We consider any change in health no longer satisfies the criteria We offer under the policy because it substantially increases the risk of loss, damage, illness, injury or liability, then We will let You know and decline or withdraw coverage, as applicable, by issuing You an updated COI with any applicable changes to Medical Conditions that are or are not covered by the policy", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=12", "page": 12, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "applicable", "because", "change", "changes", "conditions", "consider", "coverage", "criteria", "damage", "decline" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Luggage means personal items, including Valuables, sporting equipment, medication prescribed to You, dentures and or dental prosthesis designed to be worn or carried by You which You take with You or buy during Your Trip, unless they are excluded under General Exclusions or Section 3 Luggage and Personal Money", "read_from": "racv", "citation": { "quote": "Luggage means personal items, including Valuables, sporting equipment, medication prescribed to You, dentures and or dental prosthesis designed to be worn or carried by You which You take with You or buy during Your Trip, unless they are excluded under General Exclusions or Section 3 Luggage and Personal Money", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=34", "page": 34, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "carried", "dental", "dentures", "designed", "during", "equipment", "excluded", "exclusions", "general", "including" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "21.1 We will not cover You for losses, liability or expenses that are for, related to or as a result of pre-paid expenses under sub-section 21C if You have also been reimbursed for the same expense under Cancellation Fees and Lost Deposits Section 1 on page 14", "read_from": "racv", "citation": { "quote": "21.1 We will not cover You for losses, liability or expenses that are for, related to or as a result of pre-paid expenses under sub-section 21C if You have also been reimbursed for the same expense under Cancellation Fees and Lost Deposits Section 1 on page 14", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=29", "page": 29, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "also", "cancellation", "deposits", "expense", "expenses", "fees", "liability", "losses", "lost", "page" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Any nuclear reaction or contamination from nuclear weapons or radioactivity, biological or chemical materials, substances, compounds, or the like are used directly or indirectly for the purpose of harming or destroying human life or creating public fear", "read_from": "racv", "citation": { "quote": "Any nuclear reaction or contamination from nuclear weapons or radioactivity, biological or chemical materials, substances, compounds, or the like are used directly or indirectly for the purpose of harming or destroying human life or creating public fear", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=30", "page": 30, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "biological", "chemical", "compounds", "contamination", "creating", "destroying", "directly", "fear", "harming", "human" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "7.3 A claim against You arising out of ownership, custody, or use of any motor vehicle or mechanically propelled vehicle, any aircraft, watercraft, firearms, drone, or radio-controlled/ remote-controlled vehicles including model cars, planes and boats", "read_from": "racv", "citation": { "quote": "7.3 A claim against You arising out of ownership, custody, or use of any motor vehicle or mechanically propelled vehicle, any aircraft, watercraft, firearms, drone, or radio-controlled/ remote-controlled vehicles including model cars, planes and boats", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=23", "page": 23, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "against", "aircraft", "arising", "boats", "cars", "controlled", "custody", "drone", "firearms", "including" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "if the DO NOT TRAVEL advisory is lifted before Your Trip departure date, this exclusion no longer applies but You will not be able to lodge a claim for an Insured Event that occurred during a period in which the DO NOT TRAVEL advisory was in effect", "read_from": "racv", "citation": { "quote": "if the DO NOT TRAVEL advisory is lifted before Your Trip departure date, this exclusion no longer applies but You will not be able to lodge a claim for an Insured Event that occurred during a period in which the DO NOT TRAVEL advisory was in effect", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=30", "page": 30, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "able", "advisory", "applies", "before", "date", "departure", "during", "effect", "event", "exclusion" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "This applies to a sailing vessel using either a motor or wind as its means of propulsion and We will not cover You on these types of vessels unless the vessel stays within 12 nautical miles of any landmass", "read_from": "racv", "citation": { "quote": "This applies to a sailing vessel using either a motor or wind as its means of propulsion and We will not cover You on these types of vessels unless the vessel stays within 12 nautical miles of any landmass", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=4", "page": 4, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "applies", "either", "landmass", "means", "miles", "motor", "nautical", "propulsion", "sailing", "stays" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "We will not cover You for losses, liability or expenses that are for, related to or as a result of Your participation in bobsleighing, snow rafting, parapenting, heli-Skiing, aerobatic Skiing, Backcountry", "read_from": "racv", "citation": { "quote": "We will not cover You for losses, liability or expenses that are for, related to or as a result of Your participation in bobsleighing, snow rafting, parapenting, heli-Skiing, aerobatic Skiing, Backcountry", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=28", "page": 28, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "aerobatic", "backcountry", "bobsleighing", "expenses", "heli", "liability", "losses", "parapenting", "participation", "rafting" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Chubb Insurance Australia Limited", "Lloyd's", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "We will not cover You if You do not have a medical certificate from Your Treating Doctor confirming Your disablement and verifying the need for housekeeping services as a result of Your disablement", "read_from": "racv", "citation": { "quote": "We will not cover You if You do not have a medical certificate from Your Treating Doctor confirming Your disablement and verifying the need for housekeeping services as a result of Your disablement", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=25", "page": 25, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "certificate", "confirming", "disablement", "doctor", "housekeeping", "medical", "need", "result", "services", "treating" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "childbirth at any stage of the pregnancy, other than as a result of an accidental injury occurring prior to the end of the 25th week of Your pregnancy which causes You to give birth prematurely", "read_from": "racv", "citation": { "quote": "childbirth at any stage of the pregnancy, other than as a result of an accidental injury occurring prior to the end of the 25th week of Your pregnancy which causes You to give birth prematurely", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=13", "page": 13, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "25th", "accidental", "birth", "causes", "childbirth", "give", "injury", "occurring", "pregnancy", "prematurely" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "1.12 The non-refundable unused portion of travel or accommodation arrangements where additional travel or accommodation costs have been paid for by Us as part of a claim under this policy", "read_from": "racv", "citation": { "quote": "1.12 The non-refundable unused portion of travel or accommodation arrangements where additional travel or accommodation costs have been paid for by Us as part of a claim under this policy", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=17", "page": 17, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "accommodation", "additional", "arrangements", "costs", "paid", "part", "portion", "refundable", "travel", "unused" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "4.2 Additional Accommodation, Meal and Travelling Expenses where We have also paid a claim for the cost of cancellation fees or lost deposits on bookings in respect of the same period", "read_from": "racv", "citation": { "quote": "4.2 Additional Accommodation, Meal and Travelling Expenses where We have also paid a claim for the cost of cancellation fees or lost deposits on bookings in respect of the same period", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=22", "page": 22, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "accommodation", "additional", "also", "bookings", "cancellation", "cost", "deposits", "expenses", "fees", "lost" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "the reasonable cost of the unused, prepaid accommodation (if You have to pay for new accommodation) less any refund You are entitled to from the supplier of the original accommodation", "read_from": "racv", "citation": { "quote": "the reasonable cost of the unused, prepaid accommodation (if You have to pay for new accommodation) less any refund You are entitled to from the supplier of the original accommodation", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=25", "page": 25, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "accommodation", "cost", "entitled", "less", "original", "prepaid", "reasonable", "refund", "supplier", "unused" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "diving underwater unlicensed using an artificial breathing apparatus, unless the conditions outlined in section ‘Activities included only under certain conditions’ on page 12 are met", "read_from": "racv", "citation": { "quote": "diving underwater unlicensed using an artificial breathing apparatus, unless the conditions outlined in section ‘Activities included only under certain conditions’ on page 12 are met", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=14", "page": 14, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "activities", "apparatus", "artificial", "breathing", "conditions", "diving", "included", "only", "outlined", "page" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "where the update is not materially adverse to You, from the view of a reasonable person deciding whether to buy this policy, We will publish details of those changes on Our website", "read_from": "racv", "citation": { "quote": "where the update is not materially adverse to You, from the view of a reasonable person deciding whether to buy this policy, We will publish details of those changes on Our website", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=3", "page": 3, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "adverse", "changes", "deciding", "details", "materially", "publish", "reasonable", "those", "update", "view" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Lloyd's", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "a) If Your cruise has medical facilities and medical providers onboard, and meets the definition of Cruise, at the time You purchase Your policy please select ‘Australian Cruise’", "read_from": "racv", "citation": { "quote": "a) If Your cruise has medical facilities and medical providers onboard, and meets the definition of Cruise, at the time You purchase Your policy please select ‘Australian Cruise’", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=5", "page": 5, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "australian", "cruise", "definition", "facilities", "medical", "meets", "onboard", "please", "providers", "purchase" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "19.1 Your participation in bobsleighing, snow rafting, parapenting, heli-Skiing, aerobatic Skiing, Backcountry Skiing, skijoring, Skiing with any form of power assisted equipment", "read_from": "racv", "citation": { "quote": "19.1 Your participation in bobsleighing, snow rafting, parapenting, heli-Skiing, aerobatic Skiing, Backcountry Skiing, skijoring, Skiing with any form of power assisted equipment", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=29", "page": 29, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "aerobatic", "assisted", "backcountry", "bobsleighing", "equipment", "form", "heli", "parapenting", "participation", "power" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Chubb Insurance Australia Limited", "Lloyd's", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "4.3 Resumption of Travel costs where We have also paid a claim for the cost of cancellation fees or lost deposits under Section 1 on bookings in respect of the original Trip", "read_from": "racv", "citation": { "quote": "4.3 Resumption of Travel costs where We have also paid a claim for the cost of cancellation fees or lost deposits under Section 1 on bookings in respect of the original Trip", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=22", "page": 22, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "also", "bookings", "cancellation", "cost", "costs", "deposits", "fees", "lost", "original", "paid" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "7.6 Any conduct arising from the intentional, unlawful, wilfully negligent, reckless or malicious act of You or any person acting with Your knowledge, consent or connivance", "read_from": "racv", "citation": { "quote": "7.6 Any conduct arising from the intentional, unlawful, wilfully negligent, reckless or malicious act of You or any person acting with Your knowledge, consent or connivance", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=23", "page": 23, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "acting", "arising", "conduct", "connivance", "consent", "intentional", "knowledge", "malicious", "negligent", "reckless" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Mitsui Sumitomo Insurance Company Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "pregnancy complications occurring from the 26th week of gestation, or as described above unless such complications are specifically accepted by Us and noted on Your COI", "read_from": "racv", "citation": { "quote": "pregnancy complications occurring from the 26th week of gestation, or as described above unless such complications are specifically accepted by Us and noted on Your COI", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=13", "page": 13, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "26th", "above", "accepted", "complications", "described", "gestation", "noted", "occurring", "pregnancy", "specifically" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "7.2 Loss of or damage to property belonging to or in the care or control of You, a Relative, Your Travelling Companion, or an employee of any of the aforementioned", "read_from": "racv", "citation": { "quote": "7.2 Loss of or damage to property belonging to or in the care or control of You, a Relative, Your Travelling Companion, or an employee of any of the aforementioned", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=23", "page": 23, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "aforementioned", "belonging", "care", "companion", "control", "damage", "employee", "loss", "property", "relative" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "10.2 Financial Default, if it had already occurred at the time Your Certificate of Insurance was issued or the date Your Trip was paid for, whichever occurs last", "read_from": "racv", "citation": { "quote": "10.2 Financial Default, if it had already occurred at the time Your Certificate of Insurance was issued or the date Your Trip was paid for, whichever occurs last", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=25", "page": 25, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "already", "certificate", "date", "default", "financial", "insurance", "issued", "last", "occurred", "occurs" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "1.14 Pre-paid costs relating to the arrangement of a special event like a wedding, significant occasion, funeral, conference, musical festival or sporting event", "read_from": "racv", "citation": { "quote": "1.14 Pre-paid costs relating to the arrangement of a special event like a wedding, significant occasion, funeral, conference, musical festival or sporting event", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=17", "page": 17, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "arrangement", "conference", "costs", "event", "festival", "funeral", "like", "musical", "occasion", "paid" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "3.19 We will not pay to the extent that You are entitled to compensation from the Transport Provider You were travelling on for the relevant amount claimed", "read_from": "racv", "citation": { "quote": "3.19 We will not pay to the extent that You are entitled to compensation from the Transport Provider You were travelling on for the relevant amount claimed", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=21", "page": 21, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "amount", "claimed", "compensation", "entitled", "extent", "provider", "relevant", "transport", "travelling" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" } ], "other_clauses_unique_to_it": [ { "clause": "We will pay fees that You have been charged by Your travel agent in relation to Your Trip and which are non-refundable or You cannot reasonably recover if Your Trip is rescheduled, cancelled or cut short at any time, due to circumstances beyond Your control (including any COVID-19 related event) which You did not foresee, and a reasonable person in Your position would not have foreseen", "read_from": "racv", "citation": { "quote": "We will pay fees that You have been charged by Your travel agent in relation to Your Trip and which are non-refundable or You cannot reasonably recover if Your Trip is rescheduled, cancelled or cut short at any time, due to circumstances beyond Your control (including any COVID-19 related event) which You did not foresee, and a reasonable person in Your position would not have foreseen", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=17", "page": 17, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "agent", "cancelled", "cannot", "charged", "circumstances", "control", "covid", "event", "fees", "foresee" ], "classified_as": "covered", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "In issuing and managing Your policy or claim We may need to disclose Your personal information to RACV and third parties such as another insurer, Our reinsurers, an insurance broker, Our legal providers, Our accountants, loss investigators or adjusters, anyone acting as Your agent or regulatory bodies as well as Our various third party service providers described in Our Privacy Policy", "read_from": "racv", "citation": { "quote": "In issuing and managing Your policy or claim We may need to disclose Your personal information to RACV and third parties such as another insurer, Our reinsurers, an insurance broker, Our legal providers, Our accountants, loss investigators or adjusters, anyone acting as Your agent or regulatory bodies as well as Our various third party service providers described in Our Privacy Policy", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=37", "page": 37, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "accountants", "acting", "adjusters", "agent", "another", "anyone", "bodies", "broker", "described", "disclose" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Mitsui Sumitomo Insurance Company Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "You Skiing or the riding of any kind of mechanised snow-mobiles except as provided by the recognised piste authorities for transport to and from areas designed for recreational Skiing (unless You have purchased the ‘Ski and Winter Sports option’), bob sleighing, snow rafting, parapenting, heli-Skiing, aerobatic Skiing, ski joring, Skiing with any form of power assisted equipment", "read_from": "racv", "citation": { "quote": "You Skiing or the riding of any kind of mechanised snow-mobiles except as provided by the recognised piste authorities for transport to and from areas designed for recreational Skiing (unless You have purchased the ‘Ski and Winter Sports option’), bob sleighing, snow rafting, parapenting, heli-Skiing, aerobatic Skiing, ski joring, Skiing with any form of power assisted equipment", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=32", "page": 32, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "aerobatic", "areas", "assisted", "authorities", "designed", "equipment", "except", "form", "heli", "joring" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "You receiving private hospital or medical treatment where public funded services or care is available under any reciprocal national health scheme or agreement between the government of Australia and any other country, unless in consultation with Your Treating Doctor and/or Our Consulting Medical Officer, We agree that private treatment is necessary in all the circumstances", "read_from": "racv", "citation": { "quote": "You receiving private hospital or medical treatment where public funded services or care is available under any reciprocal national health scheme or agreement between the government of Australia and any other country, unless in consultation with Your Treating Doctor and/or Our Consulting Medical Officer, We agree that private treatment is necessary in all the circumstances", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=31", "page": 31, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "agree", "agreement", "australia", "available", "between", "care", "circumstances", "consultation", "consulting", "country" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "(02) 9225 7500 If Your problem is not resolved If You are not satisfied with Our response to Your complaint, or We have taken more than 30 days to respond to You from the date You first made Your complaint, You may be eligible to escalate the matter to the Australian Financial Complaints Authority (AFCA) if Your matter is within the jurisdiction as set out in their Rules", "read_from": "racv", "citation": { "quote": "(02) 9225 7500 If Your problem is not resolved If You are not satisfied with Our response to Your complaint, or We have taken more than 30 days to respond to You from the date You first made Your complaint, You may be eligible to escalate the matter to the Australian Financial Complaints Authority (AFCA) if Your matter is within the jurisdiction as set out in their Rules", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=37", "page": 37, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "afca", "australian", "authority", "complaint", "complaints", "date", "days", "eligible", "escalate", "financial" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "If due to circumstances beyond Your control which You did not foresee and a reasonable person in Your position would not have foreseen (including a COVID-19 diagnosis), You are unable to attend a shore excursion, tour and other activities that You have pre-paid, We will pay You a lump sum benefit equal to the non‑refundable component of the cost of the unused activity", "read_from": "racv", "citation": { "quote": "If due to circumstances beyond Your control which You did not foresee and a reasonable person in Your position would not have foreseen (including a COVID-19 diagnosis), You are unable to attend a shore excursion, tour and other activities that You have pre-paid, We will pay You a lump sum benefit equal to the non‑refundable component of the cost of the unused activity", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=29", "page": 29, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "activities", "activity", "attend", "benefit", "circumstances", "component", "control", "cost", "covid", "diagnosis" ], "classified_as": "covered", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Financial Default means insolvency, bankruptcy, provisional liquidation, liquidation, financial collapse, appointment of a receiver, manager or administrator, entry into any official or unofficial scheme of arrangement, statutory protection, restructuring or composition with creditors, or the happening of anything of a similar nature under the laws of any jurisdiction", "read_from": "racv", "citation": { "quote": "Financial Default means insolvency, bankruptcy, provisional liquidation, liquidation, financial collapse, appointment of a receiver, manager or administrator, entry into any official or unofficial scheme of arrangement, statutory protection, restructuring or composition with creditors, or the happening of anything of a similar nature under the laws of any jurisdiction", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=33", "page": 33, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "administrator", "anything", "appointment", "arrangement", "bankruptcy", "collapse", "composition", "creditors", "default", "entry" ], "classified_as": "mentioned", "subject_found_elsewhere": [], "difference_is": "wording and subject: no other insurer's exclusions mention this" }, { "clause": "19.2 You being unable to obtain a written document or statement from the appropriate authority or weather information provider confirming that the reason for the delay was related to either an avalanche or bad weather, and how long it lasted, unless it was not reasonably practicable for You to obtain a written document or statement in light of all the circumstances", "read_from": "racv", "citation": { "quote": "19.2 You being unable to obtain a written document or statement from the appropriate authority or weather information provider confirming that the reason for the delay was related to either an avalanche or bad weather, and how long it lasted, unless it was not reasonably practicable for You to obtain a written document or statement in light of all the circumstances", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=29", "page": 29, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "appropriate", "authority", "avalanche", "being", "circumstances", "confirming", "delay", "document", "either", "information" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "If due to a Financial Default of a Travel Services Provider You have to re-arrange Your Trip, We will pay the reasonable costs (other than those covered by a later sub-section of this Section 10) for You to arrange the same or similar standard of transport and accommodation, provided that You cannot reasonably practicably recover such expenses from someone else", "read_from": "racv", "citation": { "quote": "If due to a Financial Default of a Travel Services Provider You have to re-arrange Your Trip, We will pay the reasonable costs (other than those covered by a later sub-section of this Section 10) for You to arrange the same or similar standard of transport and accommodation, provided that You cannot reasonably practicably recover such expenses from someone else", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=24", "page": 24, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "accommodation", "arrange", "cannot", "costs", "default", "else", "expenses", "financial", "later", "practicably" ], "classified_as": "covered", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "Any Terrorist Act, threat of a Terrorist Act or any loss arising out of the intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act unless the Department of Foreign Affairs and Trade (DFAT) issued a ‘DO NOT TRAVEL’ advisory in relation to Your country/ region of intended travel after You purchased Your policy", "read_from": "racv", "citation": { "quote": "Any Terrorist Act, threat of a Terrorist Act or any loss arising out of the intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act unless the Department of Foreign Affairs and Trade (DFAT) issued a ‘DO NOT TRAVEL’ advisory in relation to Your country/ region of intended travel after You purchased Your policy", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=17", "page": 17, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "advisory", "affairs", "after", "arising", "country", "department", "dfat", "force", "foreign", "intended" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "We have appointed Our wholly owned subsidiary Tokio Marine Management (Australasia) Pty Ltd, ABN 69 001 488 455 (TMMA) as Our managing agent for insurance business in Australia and Our corporate authorised representative (AR 1313066) to give general advice regarding the policy, deal in the policy, and handle and settle claims in relation to the policy", "read_from": "racv", "citation": { "quote": "We have appointed Our wholly owned subsidiary Tokio Marine Management (Australasia) Pty Ltd, ABN 69 001 488 455 (TMMA) as Our managing agent for insurance business in Australia and Our corporate authorised representative (AR 1313066) to give general advice regarding the policy, deal in the policy, and handle and settle claims in relation to the policy", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=40", "page": 40, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "advice", "agent", "appointed", "australasia", "australia", "authorised", "business", "claims", "corporate", "deal" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "have not required hospitalisation or treatment (where treatment does not include an annual or routine medical check-up, blood testing or a visit to a medical practitioner to obtain a regular prescription) by any Treating Doctor within the last 24 months (unless a different time period is specifically noted in the list below) for the Medical Condition", "read_from": "racv", "citation": { "quote": "have not required hospitalisation or treatment (where treatment does not include an annual or routine medical check-up, blood testing or a visit to a medical practitioner to obtain a regular prescription) by any Treating Doctor within the last 24 months (unless a different time period is specifically noted in the list below) for the Medical Condition", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11", "page": 11, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "annual", "below", "blood", "check", "condition", "different", "doctor", "hospitalisation", "include", "last" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "We will pay the reasonable overseas Additional Accommodation, Meal and Travelling Expenses of Your Travelling Companion or Relative if We agree with Your Treating Doctor or Our Consulting Medical Officer that a Travelling Companion or Relative must travel to see You, or stay with You until You are able to resume Your Trip, or escort You Home", "read_from": "racv", "citation": { "quote": "We will pay the reasonable overseas Additional Accommodation, Meal and Travelling Expenses of Your Travelling Companion or Relative if We agree with Your Treating Doctor or Our Consulting Medical Officer that a Travelling Companion or Relative must travel to see You, or stay with You until You are able to resume Your Trip, or escort You Home", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=18", "page": 18, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "able", "accommodation", "additional", "agree", "companion", "consulting", "doctor", "escort", "expenses", "home" ], "classified_as": "covered", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "You being aware at the time of purchasing the policy of circumstances that would give rise to You making a claim under this policy or You had booked Your Trip to arrange to travel where You knew or a reasonable person in Your position would have or ought to have known, of circumstances that may lead to Your Trip being disrupted or cancelled", "read_from": "racv", "citation": { "quote": "You being aware at the time of purchasing the policy of circumstances that would give rise to You making a claim under this policy or You had booked Your Trip to arrange to travel where You knew or a reasonable person in Your position would have or ought to have known, of circumstances that may lead to Your Trip being disrupted or cancelled", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=17", "page": 17, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "arrange", "aware", "being", "booked", "cancelled", "circumstances", "disrupted", "give", "knew", "known" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "if claiming due to the death or illness of a Travelling Companion or a Relative, We will require a copy of the death certificate or a medical report/ certificate/history of that Travelling Companion or Relative if You are claiming due to an Accident, We require a supporting incident report such as a workplace, police or ambulance report", "read_from": "racv", "citation": { "quote": "if claiming due to the death or illness of a Travelling Companion or a Relative, We will require a copy of the death certificate or a medical report/ certificate/history of that Travelling Companion or Relative if You are claiming due to an Accident, We require a supporting incident report such as a workplace, police or ambulance report", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=37", "page": 37, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 1, "in_other_insurers_policies": 0, "subject_words": [ "accident", "ambulance", "certificate", "claiming", "companion", "copy", "death", "history", "illness", "incident" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Zurich Australian Insurance Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" } ] }, "Zurich Australian Insurance Limited": { "policies_compared": 7, "policy_slugs": [ "australia-post", "bankwest-cards", "budget-direct", "cba-premium-cards", "cover-more", "medibank", "webjet" ], "enough_policies_to_say_always": true, "distributors": [ "Australia Post Services Pty Ltd", "Cover-More Insurance Services Pty Ltd", "Travel Insurance Partners Pty Limited" ], "distributor_not_read_for": [], "policies_may_be_one_wording": false, "clauses_in_every_one_of_its_policies": 88, "of_those_unique_to_it": 70, "exclusions_unique_to_it": [ { "clause": "any other loss, damage or additional expenses following on from the event for which you are claiming that is not covered under this insurance", "read_from": "bankwest-cards", "citation": { "quote": "any other loss, damage or additional expenses following on from the event for which you are claiming that is not covered under this insurance", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=27", "page": 27, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "additional", "claiming", "damage", "event", "expenses", "following", "insurance", "loss" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "determining what services or products we can provide to you and/or others", "read_from": "bankwest-cards", "citation": { "quote": "determining what services or products we can provide to you and/or others", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=50", "page": 50, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "determining", "others", "products", "provide", "services", "what" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "any contractual or business obligation or your financial situation", "read_from": "bankwest-cards", "citation": { "quote": "any contractual or business obligation or your financial situation", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=37", "page": 37, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "business", "contractual", "financial", "obligation", "situation" ], "classified_as": "excluded", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "you had not yet sought a medical opinion regarding the cause", "read_from": "bankwest-cards", "citation": { "quote": "you had not yet sought a medical opinion regarding the cause", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=26", "page": 26, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "cause", "medical", "opinion", "regarding", "sought" ], "classified_as": "excluded", "subject_found_elsewhere": [ "HDI Global Speciality SE", "Lloyd's" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "identifying you and conducting necessary checks", "read_from": "bankwest-cards", "citation": { "quote": "identifying you and conducting necessary checks", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=50", "page": 50, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "checks", "conducting", "identifying", "necessary" ], "classified_as": "excluded", "subject_found_elsewhere": [], "difference_is": "wording and subject: no other insurer's exclusions mention this" } ], "other_clauses_unique_to_it": [ { "clause": "If any costs or expenses are incurred without our approval and before contacting us, we will only cover any such costs or expenses or for any evacuation/repatriation or airfares if we would have approved them up to an amount we would have otherwise incurred, had contact been made and approval provided", "read_from": "bankwest-cards", "citation": { "quote": "If any costs or expenses are incurred without our approval and before contacting us, we will only cover any such costs or expenses or for any evacuation/repatriation or airfares if we would have approved them up to an amount we would have otherwise incurred, had contact been made and approval provided", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=31", "page": 31, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "airfares", "amount", "approval", "approved", "before", "contact", "contacting", "costs", "evacuation", "expenses" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "claims for loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Cuba, Iran, Syria, North Korea or the Crimea, Donetsk People’s Republic (DNR), or Luhansk People’s Republic (LNR) regions of Ukraine", "read_from": "bankwest-cards", "citation": { "quote": "claims for loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Cuba, Iran, Syria, North Korea or the Crimea, Donetsk People’s Republic (DNR), or Luhansk People’s Republic (LNR) regions of Ukraine", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=30", "page": 30, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "actual", "arising", "claims", "crimea", "cuba", "damage", "directly", "donetsk", "indirectly", "injury" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "If, via our emergency assistance team, we approved a claim directly with an overseas medical provider, we may ask you to pay the $250 excess directly to the provider at the time or request you to pay it to us before we can finalise your claim with the provider", "read_from": "bankwest-cards", "citation": { "quote": "If, via our emergency assistance team, we approved a claim directly with an overseas medical provider, we may ask you to pay the $250 excess directly to the provider at the time or request you to pay it to us before we can finalise your claim with the provider", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=21", "page": 21, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "approved", "assistance", "before", "directly", "emergency", "excess", "finalise", "medical", "overseas", "provider" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "claims which in any way relate to, or are exacerbated by, any physiological or psychological signs or symptoms that you were aware of or a person in your circumstances reasonably should have been aware of at or before the relevant time, if you", "read_from": "bankwest-cards", "citation": { "quote": "claims which in any way relate to, or are exacerbated by, any physiological or psychological signs or symptoms that you were aware of or a person in your circumstances reasonably should have been aware of at or before the relevant time, if you", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=27", "page": 27, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "aware", "before", "circumstances", "claims", "exacerbated", "physiological", "psychological", "reasonably", "relate", "relevant" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "examples are bushfire, hurricane, tornado, volcanic eruption, earthquake, tsunami, falling object from space (including a meteorite), and in general any extraordinary atmospheric, meteorological, seismic, or geological phenomenon", "read_from": "bankwest-cards", "citation": { "quote": "examples are bushfire, hurricane, tornado, volcanic eruption, earthquake, tsunami, falling object from space (including a meteorite), and in general any extraordinary atmospheric, meteorological, seismic, or geological phenomenon", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=19", "page": 19, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "atmospheric", "bushfire", "earthquake", "eruption", "examples", "extraordinary", "falling", "general", "geological", "hurricane" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Mitsui Sumitomo Insurance Company Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "We expect that our internal dispute resolution process will deal fairly and promptly with your complaint, however, you may take your complaint to the Australian Financial Complaints Authority (AFCA) at any time", "read_from": "bankwest-cards", "citation": { "quote": "We expect that our internal dispute resolution process will deal fairly and promptly with your complaint, however, you may take your complaint to the Australian Financial Complaints Authority (AFCA) at any time", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=52", "page": 52, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "afca", "australian", "authority", "complaint", "complaints", "deal", "dispute", "expect", "fairly", "financial" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "By acquiring the services and products from us, you agree that you may not be able to seek redress under the Act, or from us and/or from the recipients in overseas countries, or to the extent permitted by law", "read_from": "bankwest-cards", "citation": { "quote": "By acquiring the services and products from us, you agree that you may not be able to seek redress under the Act, or from us and/or from the recipients in overseas countries, or to the extent permitted by law", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=51", "page": 51, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "able", "acquiring", "agree", "countries", "extent", "overseas", "permitted", "products", "recipients", "redress" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "HDI Global Speciality SE", "Lloyd's", "Tokio Marine & Nichido Fire Insurance Co., Ltd" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "If you are unable to provide us with a copy of the relevant report, you must provide us with a reasonable explanation and details of the time and place you made the report, including their contact details", "read_from": "bankwest-cards", "citation": { "quote": "If you are unable to provide us with a copy of the relevant report, you must provide us with a reasonable explanation and details of the time and place you made the report, including their contact details", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=15", "page": 15, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "contact", "copy", "details", "explanation", "including", "made", "place", "provide", "reasonable", "relevant" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "photographic, audio, video, tablet computer, computer and electrical equipment of any kind (including but not limited to devices such as drones, computer games, portable navigation equipment or media)", "read_from": "bankwest-cards", "citation": { "quote": "photographic, audio, video, tablet computer, computer and electrical equipment of any kind (including but not limited to devices such as drones, computer games, portable navigation equipment or media)", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=14", "page": 14, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "audio", "computer", "devices", "drones", "electrical", "equipment", "games", "including", "kind", "limited" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "*Examples of signs or symptoms include, but are not limited to, chest pain, shortness of breath, pain or discomfort in any part of your body, persistent cough or unexplained bleeding", "read_from": "bankwest-cards", "citation": { "quote": "*Examples of signs or symptoms include, but are not limited to, chest pain, shortness of breath, pain or discomfort in any part of your body, persistent cough or unexplained bleeding", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=26", "page": 26, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "bleeding", "body", "breath", "chest", "cough", "discomfort", "examples", "include", "limited", "pain" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Lloyd's" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "The contractual arrangements that we have in place with these parties and service providers generally include an obligation for them to comply with Australian privacy laws", "read_from": "bankwest-cards", "citation": { "quote": "The contractual arrangements that we have in place with these parties and service providers generally include an obligation for them to comply with Australian privacy laws", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=51", "page": 51, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "arrangements", "australian", "comply", "contractual", "generally", "include", "laws", "obligation", "parties", "place" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "For example, in a case where you travel to a war zone the airspace may be closed which may prevent us from arranging emergency repatriation for a covered claim", "read_from": "bankwest-cards", "citation": { "quote": "For example, in a case where you travel to a war zone the airspace may be closed which may prevent us from arranging emergency repatriation for a covered claim", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=23", "page": 23, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "airspace", "arranging", "case", "closed", "emergency", "example", "prevent", "repatriation", "travel", "zone" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "We will accept the original or a copy of a purchase receipt, invoice and/or bank statement showing the purchase, the date of the purchase and the amount paid", "read_from": "bankwest-cards", "citation": { "quote": "We will accept the original or a copy of a purchase receipt, invoice and/or bank statement showing the purchase, the date of the purchase and the amount paid", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=33", "page": 33, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "accept", "amount", "bank", "copy", "date", "invoice", "original", "paid", "purchase", "receipt" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "We may consider valuation certificates (issued prior to the relevant time), ATM receipts and warranty cards with accompanying bank statement of purchases", "read_from": "bankwest-cards", "citation": { "quote": "We may consider valuation certificates (issued prior to the relevant time), ATM receipts and warranty cards with accompanying bank statement of purchases", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=33", "page": 33, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "accompanying", "bank", "cards", "certificates", "consider", "issued", "prior", "purchases", "receipts", "relevant" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "HDI Global Speciality SE", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd" ], "difference_is": "wording only: another insurer excludes the same subject in different words" }, { "clause": "If you provide personal information to us about another person you must only do so with their consent and agree to make them aware of this Privacy Notice", "read_from": "bankwest-cards", "citation": { "quote": "If you provide personal information to us about another person you must only do so with their consent and agree to make them aware of this Privacy Notice", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=50", "page": 50, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" }, "in_this_insurers_policies": 7, "in_other_insurers_policies": 0, "subject_words": [ "about", "agree", "another", "aware", "consent", "information", "make", "notice", "only", "personal" ], "classified_as": "mentioned", "subject_found_elsewhere": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Lloyd's", "Mitsui Sumitomo Insurance Company Limited", "Tokio Marine & Nichido Fire Insurance Co., Ltd" ], "difference_is": "wording only: another insurer excludes the same subject in different words" } ] } }, "policies": [ { "group": "cards", "slug": "amex-platinum", "label": "American Express Platinum Card Insurance Terms and Conditions", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf", "words": 32320, "clauses": 1211, "insurer": "Chubb Insurance Australia Limited", "insurer_group": "Chubb Insurance Australia Limited", "content_sha256": "c9d41da8c4db30963aededb0f253d8bdc280c3e9b6d373a9046bb4d2863c23d7" }, { "group": "cards", "slug": "anz-platinum-black", "label": "ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet dated 7 June 2024", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf", "words": 27504, "clauses": 789, "insurer": "Allianz Australia Insurance Limited", "insurer_group": "Allianz Australia Insurance Limited", "content_sha256": "560427ecc3310dfc6ec4ab836d7f305114c8e976a5c4bcf564e3fd3d1e7c88d8" }, { "group": "cards", "slug": "bank-of-melbourne-cards", "label": "Bank of Melbourne Credit Card Complimentary Insurance Policy Information Booklet, effective 5 April 2023", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf", "words": 27147, "clauses": 819, "insurer": "Allianz Australia Insurance Limited", "insurer_group": "Allianz Australia Insurance Limited", "content_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156" }, { "group": "cards", "slug": "banksa-cards", "label": "BankSA Credit Cards Complimentary Insurance Policy Information Booklet, effective 5 April 2023", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf", "words": 27068, "clauses": 826, "insurer": "Allianz Australia Insurance Limited", "insurer_group": "Allianz Australia Insurance Limited", "content_sha256": "1bdc3db36e3c0989e06c90ec034051c23a58cdf02251d742c6652fa5bb6f8ad3" }, { "group": "cards", "slug": "bankwest-cards", "label": "Bankwest Credit Card Insurance Product Disclosure Statement and Information Booklet", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf", "words": 27604, "clauses": 996, "insurer": "Zurich Australian Insurance Limited", "insurer_group": "Zurich Australian Insurance Limited", "content_sha256": "23d8e0bfd24cadfea129470615545445ce3a81f3ce40fd3f47231034ef67813a" }, { "group": "cards", "slug": "bendigo-cards", "label": "Bendigo Credit Card Insurance Terms & Conditions, 16 October 2024", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf", "words": 24432, "clauses": 748, "insurer": "Allianz Australia Insurance Limited", "insurer_group": "Allianz Australia Insurance Limited", "content_sha256": "91f2214385a2ad1d67845ba668a9b051ca7cac5eca48f1f0c7ab54de9d4adfdf" }, { "group": "cards", "slug": "beyond-bank-cards", "label": "Beyond Bank Visa Platinum Credit Card Insurance Policy Information Booklet, effective 1 February 2025", "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf", "words": 28043, "clauses": 1067, "insurer": "Chubb Insurance Australia Limited", "insurer_group": "Chubb Insurance Australia Limited", "content_sha256": "160cf0da13615a4f167b8307bae4ebe5472630b26dea34883da86a6f19b14e4d" }, { "group": "cards", "slug": "cba-premium-cards", "label": "CommBank Credit Card Insurances Product Disclosure Statement and Information Booklet", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf", "words": 27215, "clauses": 949, "insurer": "Zurich Australian Insurance Limited", "insurer_group": "Zurich Australian Insurance Limited", "content_sha256": "d1eebe4c665df77fff9139ed38d287dd927610e33e0f68816e115111a67a7b4c" }, { "group": "cards", "slug": "great-southern-bank-cards", "label": "Great Southern Bank Platinum Credit Cards Complimentary Insurances Policy Information Booklet, effective 7 August 2024", "url": 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"group": "retail", "slug": "australia-post", "label": "Australia Post Travel Insurance PDS", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf", "words": 25231, "clauses": 881, "insurer": "Zurich Australian Insurance Limited", "insurer_group": "Zurich Australian Insurance Limited", "content_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795" }, { "group": "retail", "slug": "budget-direct", "label": "Budget Direct Travel Insurance PDS", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf", "words": 29415, "clauses": 1039, "insurer": "Zurich Australian Insurance Limited", "insurer_group": "Zurich Australian Insurance Limited", "content_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31" }, { "group": "retail", "slug": "cover-more", "label": "Cover-More Australia Product Disclosure Statement, 15 October 2025", "url": 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