{
 "generated_at": "2026-11-06T03:08:22Z",
 "what_this_is": "What decides whether each policy is available to a traveller at all: the 8 gates, read out of the policies' own documents, and 5 traveller profiles matched against them. A gate is not a limit. A limit says what a policy pays; a gate says whether it applies to you.",
 "read_this_first": {
  "gates_not_limits": "This answers 'will this policy sell to me' rather than 'what does it pay'. For a traveller the gates come first: most of these policies are unavailable to an 85-year-old, and the per-item luggage limit on one that will not cover them is not worth comparing.",
  "unknown_is_not_eligible": "A gate a document does not state comes back as unknown, never as eligible. 7 of the 12 retail PDSs state no age ceiling for buying the policy at all, and the honest answer for an 85-year-old there is that the document does not say -- the quote engine may still refuse them.",
  "scope_decides_whether_a_ceiling_refuses": "An age ceiling can govern the policy, one plan inside it, one optional cover, or an extension. Only the first two refuse a purchase. A ceiling recorded without its scope produces a confident wrong refusal, which is the worst thing this file could contain.",
  "sanctions_are_not_decided_here": "Where a policy says it will not pay anything that would breach a sanctions regime, that is recorded as a sanctions clause and nothing more. This dataset does not hold those lists, so a destination the document does not name is reported as undecided rather than refused. The countries the documents name themselves are published.",
  "wording_not_a_quote_engine": "Every gate is what the document says, not what the insurer's quote engine does. A policy whose PDS states no age limit may still be refused at the point of sale."
 },
 "gate_kinds": {
  "age": {
   "label": "Age",
   "why_it_matters": "The gate that refuses the most travellers. Several of these policies will not sell to anyone over a stated age, and the age differs by twenty years between them.",
   "what_a_value_means": "max_age is the oldest age still eligible, normalised from however the document puts it: \"under the age of 70\" becomes 69, \"aged 89 years or less\" becomes 89. any_age true means the document says a plan is available to travellers of all ages, so max_age_for_purchase is null for that reason rather than for want of a statement. A non_resident gate is for temporary residents or visitors to Australia and does not gate an Australian resident buying the policy."
  },
  "destination": {
   "label": "Destination",
   "why_it_matters": "A policy that names a country is a documented refusal for that country. A policy that names none may still refuse under its sanctions clause, which is a different and weaker thing to be able to say.",
   "what_a_value_means": "countries are the ones the document itself names. A sanctions clause defers to lists this dataset does not hold and is reported as such, never as a refusal."
  },
  "trip_length": {
   "label": "Trip length",
   "why_it_matters": "One journey is capped, and the cap is often shorter for an older traveller or a particular region. A trip past the cap is not partly covered; it is outside the policy.",
   "what_a_value_means": "max_days is the longest single journey, with any condition the document attaches."
  },
  "residency": {
   "label": "Residency",
   "why_it_matters": "Most of these policies are sold only to Australian residents, and say so as a condition.",
   "what_a_value_means": "required true means the document states residency as a condition of cover."
  },
  "return_ticket": {
   "label": "Return ticket",
   "why_it_matters": "A one-way traveller is outside most of these policies entirely rather than merely limited by them, which is the kind of thing nobody discovers until they claim.",
   "what_a_value_means": "required true means cover depends on holding a booked way home."
  },
  "pre_existing": {
   "label": "Pre-existing conditions",
   "why_it_matters": "The most common reason a travel claim is refused. The three treatments are genuinely different products: excluded outright, assessable for an extra premium, or a listed set covered automatically.",
   "what_a_value_means": "cover is one of excluded, assessable, automatic_for_listed, or not_stated. assessable means the insurer will consider it, not that it is covered."
  },
  "pregnancy": {
   "label": "Pregnancy",
   "why_it_matters": "Cover stops at a stated week of gestation, and the week differs between policies.",
   "what_a_value_means": "max_weeks is the latest week of gestation the document still covers."
  },
  "activity": {
   "label": "Activities",
   "why_it_matters": "Snow sports, cruising, motorcycling and diving are each excluded as standard by some policies and sold back by others. Whether it can be bought at all is the question.",
   "what_a_value_means": "each activity is excluded, optional (buyable), covered, or not_stated."
  }
 },
 "verdicts": {
  "refused": "will not sell to this traveller",
  "excluded_for_this": "will sell, but not cover what was asked about",
  "conditional": "available, with something to do first",
  "unknown": "the document does not say",
  "eligible": "within the ordinary terms"
 },
 "counts": {
  "policies": 32,
  "retail": 12,
  "cards": 20,
  "gates": 8,
  "policies_stating_each_gate": {
   "age": 22,
   "destination": 32,
   "pre_existing": 32,
   "pregnancy": 27,
   "residency": 30,
   "return_ticket": 27,
   "trip_length": 32
  },
  "rows_held_for_review": 19
 },
 "not_readable": [],
 "answered": {
  "over-85": {
   "label": "An 85-year-old travelling to Europe for three weeks",
   "question": "I am 85. Is there a policy that will cover me?",
   "profile": {
    "age": 85,
    "destination": "France",
    "trip_days": 21
   },
   "counts": {
    "refused": 15,
    "conditional": 5,
    "unknown": 10,
    "eligible": 2
   },
   "headline": "2 of the 32 policies read state terms that still cover an 85-year-old. 15 refuse one outright, and 10 state no age ceiling at all -- which is not the same as covering them, because the quote engine may still refuse.",
   "policies": [
    {
     "group": "cards",
     "slug": "amex-platinum",
     "label": "American Express Platinum Card Insurance Terms and Conditions",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "refused",
       "detail": "the oldest age it will sell to is 79",
       "quote": "You must be 79 years of age or younger before You make Your Qualifying Travel Purchase",
       "citation": {
        "quote": "You must be 79 years of age or younger before You make Your Qualifying Travel Purchase",
        "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",
     "label": "ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet dated 7 June 2024",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "refused",
       "detail": "the oldest age it will sell to is 80",
       "quote": "(for people aged under 81 years)…"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "bank-of-melbourne-cards",
     "label": "Bank of Melbourne Credit Card Complimentary Insurance Policy Information Booklet, effective 5 April 2023",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "refused",
       "detail": "the oldest age it will sell to is 80",
       "quote": "International Travel Insurance (for persons aged under 81 years)",
       "citation": {
        "quote": "International Travel Insurance (for persons aged under 81 years)",
        "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=4",
        "page": 4,
        "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "banksa-cards",
     "label": "BankSA Credit Cards Complimentary Insurance Policy Information Booklet, effective 5 April 2023",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "refused",
       "detail": "the oldest age it will sell to is 80",
       "quote": "International Travel Insurance (for persons aged under 81 years)",
       "citation": {
        "quote": "International Travel Insurance (for persons aged under 81 years)",
        "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=4",
        "page": 4,
        "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "bendigo-cards",
     "label": "Bendigo Credit Card Insurance Terms & Conditions, 16 October 2024",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "refused",
       "detail": "the oldest age it will sell to is 80",
       "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
       "citation": {
        "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
        "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=10",
        "page": 10,
        "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "beyond-bank-cards",
     "label": "Beyond Bank Visa Platinum Credit Card Insurance Policy Information Booklet, effective 1 February 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "refused",
       "detail": "the oldest age it will sell to is 79",
       "quote": "who are seventy-nine (79) years of age or younger when making a Relevant Travel Purchase",
       "citation": {
        "quote": "who are seventy-nine (79) years of age or younger when making a Relevant Travel Purchase",
        "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"
       }
      },
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 14 days, so a 21-day trip depends on which applies",
       "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
       "citation": {
        "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
        "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": "great-southern-bank-cards",
     "label": "Great Southern Bank Platinum Credit Cards Complimentary Insurances Policy Information Booklet, effective 7 August 2024",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "refused",
       "detail": "the oldest age it will sell to is 80",
       "quote": "the injury, illness or death of any person who is aged 81 years or over at the time you become eligible for cover under International Travel Insurance",
       "citation": {
        "quote": "the injury, illness or death of any person who is aged 81 years or over at the time you become eligible for cover under International Travel Insurance",
        "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": "mycard-cards",
     "label": "MyCard Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "refused",
       "detail": "the oldest age it will sell to is 80",
       "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
       "citation": {
        "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
        "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=11",
        "page": 11,
        "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "nab-card-insurance",
     "label": "NAB Card Insurance Policy Information Booklet effective 15 May 2026",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "refused",
       "detail": "the oldest age it will sell to is 80",
       "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
       "citation": {
        "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
        "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=22",
        "page": 22,
        "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "pn-bank-cards",
     "label": "P&N Bank Visa Platinum Credit Card Insurance Policy Terms and Conditions, effective 1 February 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "refused",
       "detail": "the oldest age it will sell to is 79",
       "quote": "who are seventy-nine (79) years of age or younger when making a Relevant Travel Purchase",
       "citation": {
        "quote": "who are seventy-nine (79) years of age or younger when making a Relevant Travel Purchase",
        "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=5",
        "page": 5,
        "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 14 days, so a 21-day trip depends on which applies",
       "quote": "Fourteen (14) consecutive days for a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip",
       "citation": {
        "quote": "Fourteen (14) consecutive days for a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip",
        "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=5",
        "page": 5,
        "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "qantas-money-platinum",
     "label": "Qantas Money Credit Card Complimentary Travel Insurance Terms and Conditions, effective 8 September 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "refused",
       "detail": "the oldest age it will sell to is 79",
       "quote": "– who are 79 years of age or younger when making a Relevant Travel Purchase",
       "citation": {
        "quote": "– who are 79 years of age or younger when making a Relevant Travel Purchase",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=4",
        "page": 4,
        "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 14 days, so a 21-day trip depends on which applies",
       "quote": "30 consecutive days for Overseas Return Trips",
       "citation": {
        "quote": "30 consecutive days for Overseas Return Trips",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=4",
        "page": 4,
        "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "qantas-money-titanium",
     "label": "Qantas Money Titanium Credit Card Complimentary Insurance Terms and Conditions, effective 8 September 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "refused",
       "detail": "the oldest age it will sell to is 79",
       "quote": "– who are 79 years of age or younger when making a Relevant Travel Purchase",
       "citation": {
        "quote": "– who are 79 years of age or younger when making a Relevant Travel Purchase",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=7",
        "page": 7,
        "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 14 days, so a 21-day trip depends on which applies",
       "quote": "180 consecutive days for Overseas Return Trips",
       "citation": {
        "quote": "180 consecutive days for Overseas Return Trips",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=7",
        "page": 7,
        "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "stgeorge-cards",
     "label": "St.George Credit Cards Complimentary Insurance Policy Information Booklet",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "refused",
       "detail": "the oldest age it will sell to is 80",
       "quote": "International Travel Insurance (for persons aged under 81 years) \b…"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "virgin-money-cards",
     "label": "Virgin Money Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "refused",
       "detail": "the oldest age it will sell to is 80",
       "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
       "citation": {
        "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
        "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=20",
        "page": 20,
        "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "westpac-cards",
     "label": "Westpac Credit Card International Travel Insurance Product Disclosure Statements",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "refused",
       "detail": "the oldest age it will sell to is 80",
       "quote": "Only available for customers aged under 81 years at the time of issue of your Certificate of Insurance",
       "citation": {
        "quote": "Only available for customers aged under 81 years at the time of issue of your Certificate of Insurance",
        "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=59",
        "page": 59,
        "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "macquarie-black",
     "label": "Macquarie Black Credit Card Insurance Terms and Conditions",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 14 days, so a 21-day trip depends on which applies",
       "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
       "citation": {
        "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
        "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=5",
        "page": 5,
        "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "macquarie-platinum",
     "label": "Macquarie Platinum Credit Card Insurance Terms and Conditions",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 14 days, so a 21-day trip depends on which applies",
       "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
       "citation": {
        "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
        "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=5",
        "page": 5,
        "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "retail",
     "slug": "fast-cover",
     "label": "Fast Cover PDS, 22 March 2025",
     "insurer_group": "Lloyd's",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "conditional",
       "detail": "the policy is available at 85, but 2 optional cover(s) close below that age",
       "quote": "You must be aged 74 and under at the date of Policy issue to purchase the Adventure Pack",
       "citation": {
        "quote": "You must be aged 74 and under at the date of Policy issue to purchase the Adventure Pack",
        "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=28",
        "page": 28,
        "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "retail",
     "slug": "travel-insurance-direct",
     "label": "Travel Insurance Direct PDS",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "conditional",
       "detail": "the document says a plan is available at any age, but 1 optional cover(s) close below 85",
       "quote": "You must be aged under 75 years at the time of issue of your Certificate of Insurance in order to purchase this optional pack",
       "citation": {
        "quote": "You must be aged under 75 years at the time of issue of your Certificate of Insurance in order to purchase this optional pack",
        "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": "zoom",
     "label": "Zoom Australia Standard PDS, 7 November 2023",
     "insurer_group": "HDI Global Speciality SE",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "conditional",
       "detail": "the policy is available at 85, but 1 optional cover(s) close below that age",
       "quote": "PLEASE NOTE: You must be under the age of 70 at the date your certificate of insurance is issued",
       "citation": {
        "quote": "PLEASE NOTE: You must be under the age of 70 at the date your certificate of insurance is issued",
        "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=21",
        "page": 21,
        "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "bankwest-cards",
     "label": "Bankwest Credit Card Insurance Product Disclosure Statement and Information Booklet",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "The only ages in this booklet that survive the general rules are the age at which an upgrade may be bought and the age in a worked claim example. Neither is the age the complimentary cover stops at, and the booklet does not appear to state one for it.",
       "quote": null
      }
     ]
    },
    {
     "group": "cards",
     "slug": "cba-premium-cards",
     "label": "CommBank Credit Card Insurances Product Disclosure Statement and Information Booklet",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "This booklet gates the cover by age in more than one place and in more than one way: a cardholder under 70 activates it as a matter of course, and one aged 80 or over has a further step to take. Publishing either figure alone would read as the age the cover stops at, which neither is.",
       "quote": null
      }
     ]
    },
    {
     "group": "cards",
     "slug": "hsbc-cards",
     "label": "HSBC Personal Cards Complimentary Insurance Terms and Conditions, effective 26 March 2025",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 85 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      }
     ]
    },
    {
     "group": "retail",
     "slug": "australia-post",
     "label": "Australia Post Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 85 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      }
     ]
    },
    {
     "group": "retail",
     "slug": "budget-direct",
     "label": "Budget Direct Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 85 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      }
     ]
    },
    {
     "group": "retail",
     "slug": "cover-more",
     "label": "Cover-More Australia Product Disclosure Statement, 15 October 2025",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 85 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      }
     ]
    },
    {
     "group": "retail",
     "slug": "insureandgo",
     "label": "Insure&Go Single-Trip Travel Insurance PDS, 20 January 2026",
     "insurer_group": "Mitsui Sumitomo Insurance Company Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 85 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      }
     ]
    },
    {
     "group": "retail",
     "slug": "medibank",
     "label": "Medibank Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 85 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      }
     ]
    },
    {
     "group": "retail",
     "slug": "tick",
     "label": "Tick Overseas Travel policy wording, July 2024",
     "insurer_group": "Mitsui Sumitomo Insurance Company Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "the document states age limits, but none of them governs buying the policy",
       "quote": null
      }
     ]
    },
    {
     "group": "retail",
     "slug": "webjet",
     "label": "Webjet Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "the document states age limits, but none of them governs buying the policy",
       "quote": null
      }
     ]
    },
    {
     "group": "retail",
     "slug": "racv",
     "label": "RACV Travel Insurance Combined Financial Services Guide and PDS (current)",
     "insurer_group": "Tokio Marine & Nichido Fire Insurance Co., Ltd",
     "verdict": "eligible",
     "verdict_means": "within the ordinary terms",
     "because": [
      {
       "gate": "age",
       "outcome": "eligible",
       "detail": "it sells to travellers up to 110",
       "quote": null
      },
      {
       "gate": "destination",
       "outcome": "eligible",
       "detail": "no policy in this set names France as excluded",
       "quote": null
      },
      {
       "gate": "trip_length",
       "outcome": "eligible",
       "detail": "one journey may run to 360 days",
       "quote": null
      }
     ]
    },
    {
     "group": "retail",
     "slug": "travel-insurance-saver",
     "label": "Travel Insurance Saver PDS v1.3",
     "insurer_group": "Lloyd's",
     "verdict": "eligible",
     "verdict_means": "within the ordinary terms",
     "because": [
      {
       "gate": "age",
       "outcome": "eligible",
       "detail": "it sells to travellers up to 90",
       "quote": null
      },
      {
       "gate": "destination",
       "outcome": "eligible",
       "detail": "no policy in this set names France as excluded",
       "quote": null
      },
      {
       "gate": "trip_length",
       "outcome": "eligible",
       "detail": "one journey may run to 360 days",
       "quote": null
      }
     ]
    }
   ]
  },
  "iran": {
   "label": "A trip to Iran",
   "question": "Can I get cover in Iran?",
   "profile": {
    "destination": "Iran",
    "trip_days": 14
   },
   "counts": {
    "excluded_for_this": 10,
    "unknown": 22
   },
   "headline": "10 of the 32 policies name Iran in their own documents as excluded. The other 22 do not name it, and carry a sanctions clause deferring to lists this dataset does not hold, so none of them is a yes either.",
   "policies": [
    {
     "group": "cards",
     "slug": "bankwest-cards",
     "label": "Bankwest Credit Card Insurance Product Disclosure Statement and Information Booklet",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "destination",
       "outcome": "excluded_for_this",
       "detail": "Iran is named in this document as excluded",
       "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",
       "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"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "cba-premium-cards",
     "label": "CommBank Credit Card Insurances Product Disclosure Statement and Information Booklet",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "destination",
       "outcome": "excluded_for_this",
       "detail": "Iran is named in this document as excluded",
       "quote": "\u0007claims 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",
       "citation": {
        "quote": "\u0007claims 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.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=21",
        "page": 21,
        "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "retail",
     "slug": "australia-post",
     "label": "Australia Post Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "destination",
       "outcome": "excluded_for_this",
       "detail": "Iran is named in this document as excluded",
       "quote": "\u0007claims 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",
       "citation": {
        "quote": "\u0007claims 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://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=42",
        "page": 42,
        "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "retail",
     "slug": "budget-direct",
     "label": "Budget Direct Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "destination",
       "outcome": "excluded_for_this",
       "detail": "Iran is named in this document as excluded",
       "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",
       "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://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",
     "label": "Cover-More Australia Product Disclosure Statement, 15 October 2025",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "destination",
       "outcome": "excluded_for_this",
       "detail": "Iran is named in this document as excluded",
       "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",
       "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.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=50",
        "page": 50,
        "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "retail",
     "slug": "fast-cover",
     "label": "Fast Cover PDS, 22 March 2025",
     "insurer_group": "Lloyd's",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "destination",
       "outcome": "excluded_for_this",
       "detail": "Iran is named in this document as excluded",
       "quote": "Your claim relates to any travel to Cuba, Iran or North Korea",
       "citation": {
        "quote": "Your claim relates to any travel to Cuba, Iran or North Korea",
        "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=98",
        "page": 98,
        "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "retail",
     "slug": "medibank",
     "label": "Medibank Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "destination",
       "outcome": "excluded_for_this",
       "detail": "Iran is named in this document as excluded",
       "quote": "\u0007\u0007\u0007claims 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",
       "citation": {
        "quote": "\u0007\u0007\u0007claims 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://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": "tick",
     "label": "Tick Overseas Travel policy wording, July 2024",
     "insurer_group": "Mitsui Sumitomo Insurance Company Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "destination",
       "outcome": "excluded_for_this",
       "detail": "Iran is named in this document as excluded",
       "quote": "… or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "travel-insurance-saver",
     "label": "Travel Insurance Saver PDS v1.3",
     "insurer_group": "Lloyd's",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "destination",
       "outcome": "excluded_for_this",
       "detail": "Iran is named in this document as excluded",
       "quote": "… 48 hours * this policy will not cover any benefit, loss, cost or expense arising directly or indirectly from travel in, to or through Belarus, Iran, North Korea, Russia, Ukraine, or any other country which is sanctioned by European Union, OFAC (United States of America), United Kingdom, the United Nations or Australia from time to time"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "webjet",
     "label": "Webjet Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "destination",
       "outcome": "excluded_for_this",
       "detail": "Iran is named in this document as excluded",
       "quote": "\u0007claims 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",
       "citation": {
        "quote": "\u0007claims 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://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": "cards",
     "slug": "amex-platinum",
     "label": "American Express Platinum Card Insurance Terms and Conditions",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "Section (F) Resumption Of Long International Trip Cover 30 Financial Claims Scheme 47 General Insurance Code Of Practice 48 Sanctions 48 THE AMERICAN EXPRESS PLATINUM CARD Terms And Conditions This Policy is effective from 15/03/2022 American Express® Card Insurance Policy Number: 09NACPLT06 Eligible American Express Card Products This Policy applies to the following American Express Card…"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "anz-platinum-black",
     "label": "ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet dated 7 June 2024",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "… any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "bank-of-melbourne-cards",
     "label": "Bank of Melbourne Credit Card Complimentary Insurance Policy Information Booklet, effective 5 April 2023",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "… the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "banksa-cards",
     "label": "BankSA Credit Cards Complimentary Insurance Policy Information Booklet, effective 5 April 2023",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "… the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "bendigo-cards",
     "label": "Bendigo Credit Card Insurance Terms & Conditions, 16 October 2024",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "… any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "beyond-bank-cards",
     "label": "Beyond Bank Visa Platinum Credit Card Insurance Policy Information Booklet, effective 1 February 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "… and Customer Resolution Service 58 Contact Details 58 Process 58 Our response 58 External Dispute Resolution 59 General Insurance Code of Practice 59 Sanctions 59 Customer Service Consultants are available between 8:30am - 5pm AEST/AEDT on business days"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "great-southern-bank-cards",
     "label": "Great Southern Bank Platinum Credit Cards Complimentary Insurances Policy Information Booklet, effective 7 August 2024",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "… any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "hsbc-cards",
     "label": "HSBC Personal Cards Complimentary Insurance Terms and Conditions, effective 26 March 2025",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "… any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "macquarie-black",
     "label": "Macquarie Black Credit Card Insurance Terms and Conditions",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "61 Sanctions…"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "macquarie-platinum",
     "label": "Macquarie Platinum Credit Card Insurance Terms and Conditions",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "61 Sanctions…"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "mycard-cards",
     "label": "MyCard Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "… any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "nab-card-insurance",
     "label": "NAB Card Insurance Policy Information Booklet effective 15 May 2026",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "… any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "pn-bank-cards",
     "label": "P&N Bank Visa Platinum Credit Card Insurance Policy Terms and Conditions, effective 1 February 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "… Dispute Resolution 36 Chubb Assistance (In the event of an Emergency) 9 General Insurance Code of Practice 36 Eligibility for Insurance Table 10 Sanctions 36 Definitions 11 Coverage Summary 15 Schedule of Benefits 19 Section A - Trip Cancellation and Amendment Cover 21 Section B - Overseas Medical Emergency Expenses Cover 22 Section C - Accidental Death Cover 24 Section D - Public Transport Accident Cover 24…"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "qantas-money-platinum",
     "label": "Qantas Money Credit Card Complimentary Travel Insurance Terms and Conditions, effective 8 September 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "95 Sanctions",
       "citation": {
        "quote": "95 Sanctions",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=2",
        "page": 2,
        "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "qantas-money-titanium",
     "label": "Qantas Money Titanium Credit Card Complimentary Insurance Terms and Conditions, effective 8 September 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "\u0007 79 Sanctions",
       "citation": {
        "quote": "\u0007 79 Sanctions",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=3",
        "page": 3,
        "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "stgeorge-cards",
     "label": "St.George Credit Cards Complimentary Insurance Policy Information Booklet",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "… the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "virgin-money-cards",
     "label": "Virgin Money Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "… any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "westpac-cards",
     "label": "Westpac Credit Card International Travel Insurance Product Disclosure Statements",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "Violation of sanctions, laws or regulations Providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) under this Complimentary International Medical Travel Insurance to the extent that the provision of such cover, payment of such…"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "insureandgo",
     "label": "Insure&Go Single-Trip Travel Insurance PDS, 20 January 2026",
     "insurer_group": "Mitsui Sumitomo Insurance Company Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "or interventions involving the use of force or coercion, or where a sanction would prevent us from paying your claim (see General condition 15 and General exclusions 11 and 13 for more detail)",
       "citation": {
        "quote": "or interventions involving the use of force or coercion, or where a sanction would prevent us from paying your claim (see General condition 15 and General exclusions 11 and 13 for more detail)",
        "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": "racv",
     "label": "RACV Travel Insurance Combined Financial Services Guide and PDS (current)",
     "insurer_group": "Tokio Marine & Nichido Fire Insurance Co., Ltd",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "Sanctions Regulation In addition to the General Exclusions listed above, this policy does not cover any losses or expenses that are from, related to or directly or indirectly caused by any violation of, or exposure of You or Us to any sanction, prohibition or…"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "travel-insurance-direct",
     "label": "Travel Insurance Direct PDS",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "Violation of sanctions, laws or regulations Providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) under this policy to the extent that the provision of such cover, payment of such claim or provision of such benefit would constitute…"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "zoom",
     "label": "Zoom Australia Standard PDS, 7 November 2023",
     "insurer_group": "HDI Global Speciality SE",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "destination",
       "outcome": "unknown",
       "detail": "this document does not name Iran, but another insurer in this set excludes it by name, and this policy's sanctions clause defers to lists this dataset does not hold. Worth asking the insurer directly",
       "quote": "… 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"
      }
     ]
    }
   ]
  },
  "long-trip-pre-existing": {
   "label": "Six months away with a pre-existing condition",
   "question": "I have a heart condition and I am going away for six months. Who will cover me?",
   "profile": {
    "age": 62,
    "trip_days": 182,
    "pre_existing": true,
    "destination": "Thailand"
   },
   "counts": {
    "refused": 2,
    "excluded_for_this": 10,
    "conditional": 19,
    "unknown": 1
   },
   "headline": "12 of the 32 policies refuse a 182-day trip or exclude the condition outright. 19 will consider it, normally by assessing the condition for an extra premium.",
   "policies": [
    {
     "group": "cards",
     "slug": "amex-platinum",
     "label": "American Express Platinum Card Insurance Terms and Conditions",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "refused",
       "detail": "one journey is capped at 180 days",
       "quote": "trip exceeds 180 consecutive days",
       "citation": {
        "quote": "trip exceeds 180 consecutive days",
        "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=22",
        "page": 22,
        "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "excluded_for_this",
       "detail": "pre-existing conditions are excluded",
       "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": "retail",
     "slug": "zoom",
     "label": "Zoom Australia Standard PDS, 7 November 2023",
     "insurer_group": "HDI Global Speciality SE",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "refused",
       "detail": "one journey is capped at 180 days",
       "quote": "Cover is only available up to a maximum of 6 months per one journey",
       "citation": {
        "quote": "Cover is only available up to a maximum of 6 months per one journey",
        "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"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "conditional",
       "detail": "the condition has to be declared and assessed, usually for an extra premium",
       "quote": "Zoom Travel Insurance will not pay any claims relating to any pre-existing medical condition unless you completed the medical screening process, paid any relevant additional premium and received written confirmation from Zoom Travel Insurance confirming that cover has been accepted for these conditions",
       "citation": {
        "quote": "Zoom Travel Insurance will not pay any claims relating to any pre-existing medical condition unless you completed the medical screening process, paid any relevant additional premium and received written confirmation from Zoom Travel Insurance confirming that cover has been accepted for these conditions",
        "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=13",
        "page": 13,
        "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "anz-platinum-black",
     "label": "ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet dated 7 June 2024",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 90 days, so a 182-day trip depends on which applies",
       "quote": "Up to six (6) consecutive months for ANZ Black Credit Card cardholders, their spouses and/or dependants",
       "citation": {
        "quote": "Up to six (6) consecutive months for ANZ Black Credit Card cardholders, their spouses and/or dependants",
        "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=22",
        "page": 22,
        "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "excluded_for_this",
       "detail": "pre-existing conditions are excluded",
       "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
       "citation": {
        "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
        "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": "beyond-bank-cards",
     "label": "Beyond Bank Visa Platinum Credit Card Insurance Policy Information Booklet, effective 1 February 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 14 days, so a 182-day trip depends on which applies",
       "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
       "citation": {
        "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
        "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"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "excluded_for_this",
       "detail": "pre-existing conditions are excluded",
       "quote": "Pre-Existing Medical Conditions COVID-19 This Policy does not cover any Pre-Existing Medical Conditions under Sections A – L (below)",
       "citation": {
        "quote": "Pre-Existing Medical Conditions COVID-19 This Policy does not cover any Pre-Existing Medical Conditions under Sections A – L (below)",
        "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=6",
        "page": 6,
        "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "macquarie-black",
     "label": "Macquarie Black Credit Card Insurance Terms and Conditions",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 14 days, so a 182-day trip depends on which applies",
       "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
       "citation": {
        "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
        "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=5",
        "page": 5,
        "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "excluded_for_this",
       "detail": "pre-existing conditions are excluded",
       "quote": "This Policy does not cover any Pre-Existing Medical Conditions under Sections A – K below",
       "citation": {
        "quote": "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",
     "label": "Macquarie Platinum Credit Card Insurance Terms and Conditions",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 14 days, so a 182-day trip depends on which applies",
       "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
       "citation": {
        "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
        "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=5",
        "page": 5,
        "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "excluded_for_this",
       "detail": "pre-existing conditions are excluded",
       "quote": "This Policy does not cover any Pre-Existing Medical Conditions under Sections A – K below",
       "citation": {
        "quote": "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": "nab-card-insurance",
     "label": "NAB Card Insurance Policy Information Booklet effective 15 May 2026",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 30 days, so a 182-day trip depends on which applies",
       "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "citation": {
        "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
        "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=24",
        "page": 24,
        "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "excluded_for_this",
       "detail": "pre-existing conditions are excluded",
       "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
       "citation": {
        "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
        "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=35",
        "page": 35,
        "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "pn-bank-cards",
     "label": "P&N Bank Visa Platinum Credit Card Insurance Policy Terms and Conditions, effective 1 February 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 14 days, so a 182-day trip depends on which applies",
       "quote": "Fourteen (14) consecutive days for a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip",
       "citation": {
        "quote": "Fourteen (14) consecutive days for a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip",
        "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=5",
        "page": 5,
        "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "excluded_for_this",
       "detail": "pre-existing conditions are excluded",
       "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",
     "label": "Qantas Money Credit Card Complimentary Travel Insurance Terms and Conditions, effective 8 September 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 14 days, so a 182-day trip depends on which applies",
       "quote": "30 consecutive days for Overseas Return Trips",
       "citation": {
        "quote": "30 consecutive days for Overseas Return Trips",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=4",
        "page": 4,
        "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "excluded_for_this",
       "detail": "pre-existing conditions are excluded",
       "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",
     "label": "Qantas Money Titanium Credit Card Complimentary Insurance Terms and Conditions, effective 8 September 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 14 days, so a 182-day trip depends on which applies",
       "quote": "180 consecutive days for Overseas Return Trips",
       "citation": {
        "quote": "180 consecutive days for Overseas Return Trips",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=7",
        "page": 7,
        "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "excluded_for_this",
       "detail": "pre-existing conditions are excluded",
       "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": "westpac-cards",
     "label": "Westpac Credit Card International Travel Insurance Product Disclosure Statements",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 30 days, so a 182-day trip depends on which applies",
       "quote": "Up to three (3) consecutive months for cardholders, their spouses and/ or dependants from the date you commence your journey",
       "citation": {
        "quote": "Up to three (3) consecutive months for cardholders, their spouses and/ or dependants from the date you commence your journey",
        "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=17",
        "page": 17,
        "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "excluded_for_this",
       "detail": "pre-existing conditions are excluded",
       "quote": "PRE-EXISTING MEDICAL CONDITIONS There is no cover for any claims arising from, related to or associated with your pre-existing medical conditions under Complimentary International Medical Travel Insurance",
       "citation": {
        "quote": "PRE-EXISTING MEDICAL CONDITIONS There is no cover for any claims arising from, related to or associated with your pre-existing medical conditions under Complimentary International Medical Travel Insurance",
        "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=22",
        "page": 22,
        "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "retail",
     "slug": "tick",
     "label": "Tick Overseas Travel policy wording, July 2024",
     "insurer_group": "Mitsui Sumitomo Insurance Company Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "the document states age limits, but none of them governs buying the policy",
       "quote": null
      },
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 42 days, so a 182-day trip depends on which applies",
       "quote": "… Pacific only 365 days if you travel to other destinations Age Limits at the date of application Maximum Trip Duration (If you are aged 64 or under) Maximum Trip Duration (If you are aged 65 or over) 42 days 42 days if you travel to Pacific only"
      },
      {
       "gate": "pre_existing",
       "outcome": "excluded_for_this",
       "detail": "pre-existing conditions are excluded",
       "quote": "We are not obligated to pay a claim relating to a pre-existing medical condition if you have a Basic or Budget cover. Important limitations – Cancelling your trip before departure This policy will not cover any claims under Section A – Cancelling your trip before departure, or Section C1 – Cutting your trip short, or Section C2 – Additional emergency expenses, that result directly or indirectly from any medical…"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "bank-of-melbourne-cards",
     "label": "Bank of Melbourne Credit Card Complimentary Insurance Policy Information Booklet, effective 5 April 2023",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 90 days, so a 182-day trip depends on which applies",
       "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "citation": {
        "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
        "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=18",
        "page": 18,
        "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "conditional",
       "detail": "a listed set of conditions is covered automatically; anything off the list has to be declared",
       "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
       "citation": {
        "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
        "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=29",
        "page": 29,
        "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "banksa-cards",
     "label": "BankSA Credit Cards Complimentary Insurance Policy Information Booklet, effective 5 April 2023",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 90 days, so a 182-day trip depends on which applies",
       "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "citation": {
        "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
        "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=20",
        "page": 20,
        "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "conditional",
       "detail": "a listed set of conditions is covered automatically; anything off the list has to be declared",
       "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
       "citation": {
        "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
        "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
        "page": 30,
        "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "bankwest-cards",
     "label": "Bankwest Credit Card Insurance Product Disclosure Statement and Information Booklet",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "The only ages in this booklet that survive the general rules are the age at which an upgrade may be bought and the age in a worked claim example. Neither is the age the complimentary cover stops at, and the booklet does not appear to state one for it.",
       "quote": null
      },
      {
       "gate": "pre_existing",
       "outcome": "conditional",
       "detail": "a listed set of conditions is covered automatically; anything off the list has to be declared",
       "quote": "Cover is not provided for existing medical conditions unless we automatically include cover for that condition or you apply for and obtain existing medical condition cover for that condition",
       "citation": {
        "quote": "Cover is not provided for existing medical conditions unless we automatically include cover for that condition or you apply for and obtain existing medical condition cover for that condition",
        "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"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "bendigo-cards",
     "label": "Bendigo Credit Card Insurance Terms & Conditions, 16 October 2024",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 90 days, so a 182-day trip depends on which applies",
       "quote": "Up to 3 consecutive months for cardholders, their spouses and/or dependants",
       "citation": {
        "quote": "Up to 3 consecutive months for cardholders, their spouses and/or dependants",
        "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"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "unknown",
       "detail": "the document mentions pre-existing conditions without saying how they are treated",
       "quote": "Pre-existing Medical Condition an epidemic that spreads to multiple countries, continents, or worldwide, that is recognised or referred to as a pandemic by the World Health Organisation (WHO) or an official government authority",
       "citation": {
        "quote": "Pre-existing Medical Condition an epidemic that spreads to multiple countries, continents, or worldwide, that is recognised or referred to as a pandemic by the World Health Organisation (WHO) or an official government authority",
        "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=8",
        "page": 8,
        "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "cba-premium-cards",
     "label": "CommBank Credit Card Insurances Product Disclosure Statement and Information Booklet",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "This booklet gates the cover by age in more than one place and in more than one way: a cardholder under 70 activates it as a matter of course, and one aged 80 or over has a further step to take. Publishing either figure alone would read as the age the cover stops at, which neither is.",
       "quote": null
      },
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 90 days, so a 182-day trip depends on which applies",
       "quote": "12 months for Upgrades",
       "citation": {
        "quote": "12 months for Upgrades",
        "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"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "conditional",
       "detail": "a listed set of conditions is covered automatically; anything off the list has to be declared",
       "quote": "Existing medical conditions for persons aged 79 years and under Cover is not provided for existing medical conditions, except for those automatically accepted as described on pages 22-24, or where you have purchased the Existing medical conditions Upgrade",
       "citation": {
        "quote": "Existing medical conditions for persons aged 79 years and under Cover is not provided for existing medical conditions, except for those automatically accepted as described on pages 22-24, or where you have purchased the Existing medical conditions Upgrade",
        "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=11",
        "page": 11,
        "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "great-southern-bank-cards",
     "label": "Great Southern Bank Platinum Credit Cards Complimentary Insurances Policy Information Booklet, effective 7 August 2024",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 120 days, so a 182-day trip depends on which applies",
       "quote": "Up to 4 consecutive months for cardholders, their spouses and/or dependants",
       "citation": {
        "quote": "Up to 4 consecutive months for cardholders, their spouses and/or dependants",
        "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"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "unknown",
       "detail": "the document mentions pre-existing conditions without saying how they are treated",
       "quote": "pre-existing medical condition a condition of which a reasonable person in the circumstances, should have been aware at the time eligibility for the cover available was met, including: • any dental condition",
       "citation": {
        "quote": "pre-existing medical condition a condition of which a reasonable person in the circumstances, should have been aware at the time eligibility for the cover available was met, including: • any dental condition",
        "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=8",
        "page": 8,
        "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "hsbc-cards",
     "label": "HSBC Personal Cards Complimentary Insurance Terms and Conditions, effective 26 March 2025",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 62 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      },
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 120 days, so a 182-day trip depends on which applies",
       "quote": "Up to 4 consecutive months for cardholders, their spouse and/or dependants",
       "citation": {
        "quote": "Up to 4 consecutive months for cardholders, their spouse and/or dependants",
        "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=10",
        "page": 10,
        "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "conditional",
       "detail": "the condition has to be declared and assessed, usually for an extra premium",
       "quote": "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": "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": "mycard-cards",
     "label": "MyCard Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 180 days, so a 182-day trip depends on which applies",
       "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "citation": {
        "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
        "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=11",
        "page": 11,
        "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "conditional",
       "detail": "the condition has to be declared and assessed, usually for an extra premium",
       "quote": "No cover is available for any claims arising from, related to or associated with any 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 any 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.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=17",
        "page": 17,
        "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "stgeorge-cards",
     "label": "St.George Credit Cards Complimentary Insurance Policy Information Booklet",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 90 days, so a 182-day trip depends on which applies",
       "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "citation": {
        "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
        "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"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "conditional",
       "detail": "a listed set of conditions is covered automatically; anything off the list has to be declared",
       "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
       "citation": {
        "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
        "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=34",
        "page": 34,
        "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "virgin-money-cards",
     "label": "Virgin Money Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 180 days, so a 182-day trip depends on which applies",
       "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "citation": {
        "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
        "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=21",
        "page": 21,
        "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "pre_existing",
       "outcome": "conditional",
       "detail": "the condition has to be declared and assessed, usually for an extra premium",
       "quote": "related to or associated with any pre-existing medical condition unless Allianz Global Assistance has confirmed in writing to you that the preexisting medical condition causing your claim is covered by the Group Policy",
       "citation": {
        "quote": "related to or associated with any pre-existing medical condition unless Allianz Global Assistance has confirmed in writing to you that the preexisting medical condition causing your claim is covered by the Group Policy",
        "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=33",
        "page": 33,
        "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "retail",
     "slug": "australia-post",
     "label": "Australia Post Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 62 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      },
      {
       "gate": "pre_existing",
       "outcome": "conditional",
       "detail": "the condition has to be declared and assessed, usually for an extra premium",
       "quote": "\u0007 Australia Post Travel Insurance PO Box 168 North Sydney NSW 2060 Existing Medical Conditions 1300 728 015 auspost-assessments@travelinsurancepartners.com.au \u0007 Australia Post Travel Insurance PO Box 168 North Sydney NSW 2060 24 Hour Emergency Assistance See page 31",
       "citation": {
        "quote": "\u0007 Australia Post Travel Insurance PO Box 168 North Sydney NSW 2060 Existing Medical Conditions 1300 728 015 auspost-assessments@travelinsurancepartners.com.au \u0007 Australia Post Travel Insurance PO Box 168 North Sydney NSW 2060 24 Hour Emergency Assistance See page 31",
        "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",
     "label": "Budget Direct Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 62 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      },
      {
       "gate": "pre_existing",
       "outcome": "conditional",
       "detail": "the condition has to be declared and assessed, usually for an extra premium",
       "quote": "… should tell Us about all Your Existing Medical Conditions including anything for which medication is prescribed so We can complete an online health assessment and, if We approve, offer You cover"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "cover-more",
     "label": "Cover-More Australia Product Disclosure Statement, 15 October 2025",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 62 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      },
      {
       "gate": "pre_existing",
       "outcome": "conditional",
       "detail": "the condition has to be declared and assessed, usually for an extra premium",
       "quote": "… should tell Us about all Your Existing Medical Conditions including anything for which medication is prescribed so We can complete an online health assessment and, if We approve, offer You cover"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "insureandgo",
     "label": "Insure&Go Single-Trip Travel Insurance PDS, 20 January 2026",
     "insurer_group": "Mitsui Sumitomo Insurance Company Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 62 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      },
      {
       "gate": "pre_existing",
       "outcome": "conditional",
       "detail": "the condition has to be declared and assessed, usually for an extra premium",
       "quote": "… the guidelines of the relevant diving or training agency or organisation and not diving alone)~# If you have a pre‑existing medical condition you can apply for additional cover at the time you buy your policy by completing a medical screening"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "medibank",
     "label": "Medibank Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 62 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      },
      {
       "gate": "pre_existing",
       "outcome": "conditional",
       "detail": "the condition has to be declared and assessed, usually for an extra premium",
       "quote": "… should tell Us about all Your Existing Medical Conditions including anything for which medication is prescribed so We can complete an online health assessment and, if We approve, offer You cover"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "racv",
     "label": "RACV Travel Insurance Combined Financial Services Guide and PDS (current)",
     "insurer_group": "Tokio Marine & Nichido Fire Insurance Co., Ltd",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "pre_existing",
       "outcome": "conditional",
       "detail": "a listed set of conditions is covered automatically; anything off the list has to be declared",
       "quote": "The plan type You select has the following Excess options: Medical Conditions that are not automatically covered but You want included in Your policy may incur an additional Premium",
       "citation": {
        "quote": "The plan type You select has the following Excess options: Medical Conditions that are not automatically covered but You want included in Your policy may incur an additional Premium",
        "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": "travel-insurance-direct",
     "label": "Travel Insurance Direct PDS",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "pre_existing",
       "outcome": "conditional",
       "detail": "the condition has to be declared and assessed, usually for an extra premium",
       "quote": "or ‒ a Basic Plan if you are aged 75 years or over at the time you apply for a new policy to extend your cover. Important: Cover under your new policy will not be provided: • • • for any pre-existing medical condition covered under your original policy unless you make further application for cover and Allianz Global Assistance agrees to provide cover for your pre-existing medical condition",
       "citation": {
        "quote": "or ‒ a Basic Plan if you are aged 75 years or over at the time you apply for a new policy to extend your cover. Important: Cover under your new policy will not be provided: • • • for any pre-existing medical condition covered under your original policy unless you make further application for cover and Allianz Global Assistance agrees to provide cover for your pre-existing medical condition",
        "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=6",
        "page": 6,
        "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "retail",
     "slug": "travel-insurance-saver",
     "label": "Travel Insurance Saver PDS v1.3",
     "insurer_group": "Lloyd's",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "pre_existing",
       "outcome": "conditional",
       "detail": "the condition has to be declared and assessed, usually for an extra premium",
       "quote": "As part of the application process and subject to completion of the online medical screening process, additional Pre- existing Medical Conditions that You may have can also be covered",
       "citation": {
        "quote": "As part of the application process and subject to completion of the online medical screening process, additional Pre- existing Medical Conditions that You may have can also be covered",
        "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=10",
        "page": 10,
        "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "retail",
     "slug": "webjet",
     "label": "Webjet Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "the document states age limits, but none of them governs buying the policy",
       "quote": null
      },
      {
       "gate": "pre_existing",
       "outcome": "conditional",
       "detail": "the condition has to be declared and assessed, usually for an extra premium",
       "quote": "… should tell Us about all Your Existing Medical Conditions including anything for which medication is prescribed so We can complete an online health assessment and, if We approve, offer You cover"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "fast-cover",
     "label": "Fast Cover PDS, 22 March 2025",
     "insurer_group": "Lloyd's",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "pre_existing",
       "outcome": "unknown",
       "detail": "the document mentions pre-existing conditions without saying how they are treated",
       "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"
       }
      }
     ]
    }
   ]
  },
  "ski-one-way": {
   "label": "A one-way move overseas, with skiing",
   "question": "I am moving to Canada with no return ticket, and I want to ski.",
   "profile": {
    "age": 34,
    "destination": "Canada",
    "trip_days": 300,
    "return_ticket": false,
    "activities": [
     "snow_sports"
    ]
   },
   "counts": {
    "refused": 27,
    "conditional": 5
   },
   "headline": "27 of the 32 policies will not cover this trip at all -- a booked way home is a condition of cover in most of them, and the trip is longer than most caps. 5 are available with something to buy or arrange first.",
   "policies": [
    {
     "group": "cards",
     "slug": "amex-platinum",
     "label": "American Express Platinum Card Insurance Terms and Conditions",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "refused",
       "detail": "one journey is capped at 180 days",
       "quote": "trip exceeds 180 consecutive days",
       "citation": {
        "quote": "trip exceeds 180 consecutive days",
        "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=22",
        "page": 22,
        "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "… may need to provide evidence of Your intention to return to Your Home or Your Work where reasonably possible, for example by providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates etc"
      },
      {
       "gate": "activity",
       "outcome": "excluded_for_this",
       "detail": "snow sports is excluded",
       "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",
     "label": "ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet dated 7 June 2024",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 90 days, so a 300-day trip depends on which applies",
       "quote": "Up to six (6) consecutive months for ANZ Black Credit Card cardholders, their spouses and/or dependants",
       "citation": {
        "quote": "Up to six (6) consecutive months for ANZ Black Credit Card cardholders, their spouses and/or dependants",
        "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=22",
        "page": 22,
        "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "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.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=21",
        "page": 21,
        "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "activity",
       "outcome": "unknown",
       "detail": "the document says nothing usable about snow sports",
       "quote": "… pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, off-piste snow skiing, off-piste snowboarding or snowmobiling"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "bank-of-melbourne-cards",
     "label": "Bank of Melbourne Credit Card Complimentary Insurance Policy Information Booklet, effective 5 April 2023",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 90 days, so a 300-day trip depends on which applies",
       "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "citation": {
        "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
        "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=18",
        "page": 18,
        "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "you have a return overseas travel ticket before you leave Australia",
       "citation": {
        "quote": "you have a return overseas travel ticket before you leave Australia",
        "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=17",
        "page": 17,
        "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "activity",
       "outcome": "unknown",
       "detail": "the document says nothing usable about snow sports",
       "quote": "… pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, off-piste snow skiing, off-piste snowboarding, snowmobiling or any other similar activity"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "banksa-cards",
     "label": "BankSA Credit Cards Complimentary Insurance Policy Information Booklet, effective 5 April 2023",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 90 days, so a 300-day trip depends on which applies",
       "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "citation": {
        "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
        "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=20",
        "page": 20,
        "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "you have a return overseas travel ticket before you leave Australia",
       "citation": {
        "quote": "you have a return overseas travel ticket before you leave Australia",
        "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=19",
        "page": 19,
        "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "activity",
       "outcome": "unknown",
       "detail": "the document says nothing usable about snow sports",
       "quote": "… pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, off-piste snow skiing, off-piste snowboarding, snowmobiling or any other similar activity"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "bankwest-cards",
     "label": "Bankwest Credit Card Insurance Product Disclosure Statement and Information Booklet",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "The only ages in this booklet that survive the general rules are the age at which an upgrade may be bought and the age in a worked claim example. Neither is the age the complimentary cover stops at, and the booklet does not appear to state one for it.",
       "quote": null
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "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"
       }
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "snow sports has to be bought as an option",
       "quote": "– on-piste means areas that are groomed terrain, marked slopes, and open trails maintained, monitored and patrolled by the ski resort",
       "citation": {
        "quote": "– on-piste means areas that are groomed terrain, marked slopes, and open trails maintained, monitored and patrolled by the ski resort",
        "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",
     "label": "Bendigo Credit Card Insurance Terms & Conditions, 16 October 2024",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 90 days, so a 300-day trip depends on which applies",
       "quote": "Up to 3 consecutive months for cardholders, their spouses and/or dependants",
       "citation": {
        "quote": "Up to 3 consecutive months for cardholders, their spouses and/or dependants",
        "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"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "you have a return overseas travel ticket before you leave Australia",
       "citation": {
        "quote": "you have a return overseas travel ticket before you leave Australia",
        "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=10",
        "page": 10,
        "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "activity",
       "outcome": "unknown",
       "detail": "the document says nothing usable about snow sports",
       "quote": "… pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, off-piste snow skiing, off-piste snowboarding, snowmobiling"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "beyond-bank-cards",
     "label": "Beyond Bank Visa Platinum Credit Card Insurance Policy Information Booklet, effective 1 February 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 14 days, so a 300-day trip depends on which applies",
       "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
       "citation": {
        "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
        "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"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return-to-Work dates",
       "citation": {
        "quote": "Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return-to-Work dates",
        "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"
       }
      },
      {
       "gate": "activity",
       "outcome": "excluded_for_this",
       "detail": "snow sports is excluded",
       "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",
     "label": "CommBank Credit Card Insurances Product Disclosure Statement and Information Booklet",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "This booklet gates the cover by age in more than one place and in more than one way: a cardholder under 70 activates it as a matter of course, and one aged 80 or over has a further step to take. Publishing either figure alone would read as the age the cover stops at, which neither is.",
       "quote": null
      },
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 90 days, so a 300-day trip depends on which applies",
       "quote": "12 months for Upgrades",
       "citation": {
        "quote": "12 months for Upgrades",
        "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"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "in full or part payment for your return overseas travel ticket(s) (including the spend of at least $500 worth of prepaid travel costs redeemed using CommBank Awards points or Travel Booking travel credits on the CBA Travel Sites provided by Hopper)",
       "citation": {
        "quote": "in full or part payment for your return overseas travel ticket(s) (including the spend of at least $500 worth of prepaid travel costs redeemed using CommBank Awards points or Travel Booking travel credits on the CBA Travel Sites provided by Hopper)",
        "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=9",
        "page": 9,
        "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "snow sports has to be bought as an option",
       "quote": "… medicalconditions, conditions, want more adventurous existing want toto dodo more adventurous activitiesororwant wantextras extrasforfor skiing cruising, if you’re aged activities skiing oror cruising, or or if you’re aged 80ororover"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "great-southern-bank-cards",
     "label": "Great Southern Bank Platinum Credit Cards Complimentary Insurances Policy Information Booklet, effective 7 August 2024",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 120 days, so a 300-day trip depends on which applies",
       "quote": "Up to 4 consecutive months for cardholders, their spouses and/or dependants",
       "citation": {
        "quote": "Up to 4 consecutive months for cardholders, their spouses and/or dependants",
        "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"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "you have a return overseas travel ticket before you leave Australia",
       "citation": {
        "quote": "you have a return overseas travel ticket before you leave Australia",
        "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=10",
        "page": 10,
        "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "activity",
       "outcome": "excluded_for_this",
       "detail": "snow sports is excluded",
       "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",
     "label": "HSBC Personal Cards Complimentary Insurance Terms and Conditions, effective 26 March 2025",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 34 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      },
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 120 days, so a 300-day trip depends on which applies",
       "quote": "Up to 4 consecutive months for cardholders, their spouse and/or dependants",
       "citation": {
        "quote": "Up to 4 consecutive months for cardholders, their spouse and/or dependants",
        "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=10",
        "page": 10,
        "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "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.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=10",
        "page": 10,
        "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "activity",
       "outcome": "excluded_for_this",
       "detail": "snow sports is excluded",
       "quote": "S \u0007 kiing and snowboarding but not including off-piste skiing, off-piste snowboarding, or snowmobiling",
       "citation": {
        "quote": "S \u0007 kiing and snowboarding but not including off-piste skiing, off-piste snowboarding, or snowmobiling",
        "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",
     "label": "Macquarie Black Credit Card Insurance Terms and Conditions",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 14 days, so a 300-day trip depends on which applies",
       "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
       "citation": {
        "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
        "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=5",
        "page": 5,
        "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "… may need to provide evidence of Your intention to return to Your Home or Your Work where reasonably possible, for example by providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates etc"
      },
      {
       "gate": "activity",
       "outcome": "excluded_for_this",
       "detail": "snow sports is excluded",
       "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 license)",
       "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 license)",
        "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=5",
        "page": 5,
        "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "macquarie-platinum",
     "label": "Macquarie Platinum Credit Card Insurance Terms and Conditions",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 14 days, so a 300-day trip depends on which applies",
       "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
       "citation": {
        "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
        "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=5",
        "page": 5,
        "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "… may need to provide evidence of Your intention to return to Your Home or Your Work where reasonably possible, for example by providing copies of a return ticket, itinerary or schedule, return transfer or Macquarie Group Limited Chubb considers it important for customers to take insurance fraud seriously"
      },
      {
       "gate": "activity",
       "outcome": "excluded_for_this",
       "detail": "snow sports is excluded",
       "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 license)",
       "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 license)",
        "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=5",
        "page": 5,
        "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "mycard-cards",
     "label": "MyCard Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 180 days, so a 300-day trip depends on which applies",
       "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "citation": {
        "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
        "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=11",
        "page": 11,
        "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "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.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=11",
        "page": 11,
        "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "activity",
       "outcome": "excluded_for_this",
       "detail": "snow sports is excluded",
       "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.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",
     "label": "NAB Card Insurance Policy Information Booklet effective 15 May 2026",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 30 days, so a 300-day trip depends on which applies",
       "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "citation": {
        "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
        "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=24",
        "page": 24,
        "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=22",
        "page": 22,
        "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "activity",
       "outcome": "excluded_for_this",
       "detail": "snow sports is excluded",
       "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.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",
     "label": "P&N Bank Visa Platinum Credit Card Insurance Policy Terms and Conditions, effective 1 February 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 14 days, so a 300-day trip depends on which applies",
       "quote": "Fourteen (14) consecutive days for a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip",
       "citation": {
        "quote": "Fourteen (14) consecutive days for a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip",
        "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=5",
        "page": 5,
        "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return-to-Work dates",
       "citation": {
        "quote": "Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return-to-Work dates",
        "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"
       }
      },
      {
       "gate": "activity",
       "outcome": "excluded_for_this",
       "detail": "snow sports is excluded",
       "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 license)",
       "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 license)",
        "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=5",
        "page": 5,
        "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "qantas-money-platinum",
     "label": "Qantas Money Credit Card Complimentary Travel Insurance Terms and Conditions, effective 8 September 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 14 days, so a 300-day trip depends on which applies",
       "quote": "30 consecutive days for Overseas Return Trips",
       "citation": {
        "quote": "30 consecutive days for Overseas Return Trips",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=4",
        "page": 4,
        "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates",
       "citation": {
        "quote": "Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates",
        "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"
       }
      },
      {
       "gate": "activity",
       "outcome": "excluded_for_this",
       "detail": "snow sports is excluded",
       "quote": "Some things you might consider doing whilst travelling might be dangerous and 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 dangerous and not covered (for example, jet skiing, bungee jumping or hiring a scooter if you don’t have a motorcycle licence)",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=4",
        "page": 4,
        "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "qantas-money-titanium",
     "label": "Qantas Money Titanium Credit Card Complimentary Insurance Terms and Conditions, effective 8 September 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 14 days, so a 300-day trip depends on which applies",
       "quote": "180 consecutive days for Overseas Return Trips",
       "citation": {
        "quote": "180 consecutive days for Overseas Return Trips",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=7",
        "page": 7,
        "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates",
       "citation": {
        "quote": "Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates",
        "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"
       }
      },
      {
       "gate": "activity",
       "outcome": "excluded_for_this",
       "detail": "snow sports is excluded",
       "quote": "Some things you might consider doing whilst travelling might be dangerous and 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 dangerous and not covered (for example, jet skiing, bungee jumping or hiring a scooter if you don’t have a motorcycle licence)",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=7",
        "page": 7,
        "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "stgeorge-cards",
     "label": "St.George Credit Cards Complimentary Insurance Policy Information Booklet",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 90 days, so a 300-day trip depends on which applies",
       "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "citation": {
        "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
        "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"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "you have a return overseas travel ticket before you leave Australia",
       "citation": {
        "quote": "you have a return overseas travel ticket before you leave Australia",
        "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=21",
        "page": 21,
        "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "activity",
       "outcome": "unknown",
       "detail": "the document says nothing usable about snow sports",
       "quote": "… pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, offpiste snow skiing, off-piste snowboarding, snowmobiling or any other similar activity"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "virgin-money-cards",
     "label": "Virgin Money Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 180 days, so a 300-day trip depends on which applies",
       "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "citation": {
        "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
        "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=21",
        "page": 21,
        "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "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.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=20",
        "page": 20,
        "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "activity",
       "outcome": "excluded_for_this",
       "detail": "snow sports is excluded",
       "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.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",
     "label": "Westpac Credit Card International Travel Insurance Product Disclosure Statements",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 30 days, so a 300-day trip depends on which applies",
       "quote": "Up to three (3) consecutive months for cardholders, their spouses and/ or dependants from the date you commence your journey",
       "citation": {
        "quote": "Up to three (3) consecutive months for cardholders, their spouses and/ or dependants from the date you commence your journey",
        "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=17",
        "page": 17,
        "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "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"
       }
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "snow sports has to be bought as an option",
       "quote": "… you will also have access to purchase Optional Covers including cover for pre-existing medical conditions and activities such as cruising and snow sports"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "fast-cover",
     "label": "Fast Cover PDS, 22 March 2025",
     "insurer_group": "Lloyd's",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "and ✓ You hold a return ticket to Australia",
       "citation": {
        "quote": "and ✓ You hold a return ticket to Australia",
        "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=7",
        "page": 7,
        "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "snow sports has to be bought as an option",
       "quote": "24 Snow Sports…"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "insureandgo",
     "label": "Insure&Go Single-Trip Travel Insurance PDS, 20 January 2026",
     "insurer_group": "Mitsui Sumitomo Insurance Company Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 34 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "Important Information What you are not covered for 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": "Important Information What you are not covered for 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"
       }
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "snow sports has to be bought as an option",
       "quote": "… $1,250 Yes Single article, Pair or Set of items limit $600 N2 Winter sports equipment hire $50 per 24 hours up to $500 No N3 Lift pass $500 Yes N4 Ski pack $150 per 24 hours up to $600 No N5 Piste closure $50 per 24 hours up to $500 No N6 Avalanche cover $600 Yes *Excess If your claim is paid, this excess is deducted from any payment we make to you"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "racv",
     "label": "RACV Travel Insurance Combined Financial Services Guide and PDS (current)",
     "insurer_group": "Tokio Marine & Nichido Fire Insurance Co., Ltd",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "… visa - but not a tourist, study or working holiday visa - that will remain valid beyond the period of Your return from Your Trip, and You also hold a return ticket back to Australia (for International plans), a valid Australian Medicare card and have a primary place of residence in Australia"
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "snow sports has to be bought as an option",
       "quote": "… Section 2 – Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses Section 4 – Emergency Expenses If You have selected the ‘Ski and Winter Sports option’, cover for claims arising from COVID-19 is available under the following sections: Section 17 – Ski Pack If You have selected the ‘Cruise Benefits option’, cover for claims arising from COVID-19 is available under the following…"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "tick",
     "label": "Tick Overseas Travel policy wording, July 2024",
     "insurer_group": "Mitsui Sumitomo Insurance Company Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "the document states age limits, but none of them governs buying the policy",
       "quote": null
      },
      {
       "gate": "trip_length",
       "outcome": "conditional",
       "detail": "every trip cap in this document carries a condition; the shortest is 42 days, so a 300-day trip depends on which applies",
       "quote": "… Pacific only 365 days if you travel to other destinations Age Limits at the date of application Maximum Trip Duration (If you are aged 64 or under) Maximum Trip Duration (If you are aged 65 or over) 42 days 42 days if you travel to Pacific only"
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "Any costs which relate to return travel to Australia if you do not hold an original return ticket to Australia",
       "citation": {
        "quote": "Any costs which relate to return travel to Australia if you do not hold an original return ticket to Australia",
        "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"
       }
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "snow sports has to be bought as an option",
       "quote": "… $500 $500 $150 per 24 hours up to $600 $200 N2 N3 N4 Winter sports equipment Single article, Pair or Set limit Winter sports equipment hire Lift pass Ski pack N5 Piste closure $50 per 24 hours up to $500 Nil N6 Avalanche cover $600 Yes Nil $200 Nil Full conditions of cover available and exclusions relating to Section N Winter sports should be read on pages 39-42 prior to purchase"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "travel-insurance-direct",
     "label": "Travel Insurance Direct PDS",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "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"
       }
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "snow sports has to be bought as an option",
       "quote": "a Snow Pack and your claim arises from your participation in snow sport activities",
       "citation": {
        "quote": "a Snow Pack and your claim arises from your participation in snow sport activities",
        "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=7",
        "page": 7,
        "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "retail",
     "slug": "travel-insurance-saver",
     "label": "Travel Insurance Saver PDS v1.3",
     "insurer_group": "Lloyd's",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "One way travel One way travel is defined as any Trip which there is no expected date of return to Australia and/or there is no return ticket booked",
       "citation": {
        "quote": "One way travel One way travel is defined as any Trip which there is no expected date of return to Australia and/or there is no return ticket booked",
        "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"
       }
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "snow sports has to be bought as an option",
       "quote": "… 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"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "zoom",
     "label": "Zoom Australia Standard PDS, 7 November 2023",
     "insurer_group": "HDI Global Speciality SE",
     "verdict": "refused",
     "verdict_means": "will not sell to this traveller",
     "because": [
      {
       "gate": "trip_length",
       "outcome": "refused",
       "detail": "one journey is capped at 180 days",
       "quote": "Cover is only available up to a maximum of 6 months per one journey",
       "citation": {
        "quote": "Cover is only available up to a maximum of 6 months per one journey",
        "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"
       }
      },
      {
       "gate": "return_ticket",
       "outcome": "refused",
       "detail": "a booked return ticket is a condition of cover",
       "quote": "hold a return ticket to Australia",
       "citation": {
        "quote": "hold a return ticket to Australia",
        "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"
       }
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "snow sports has to be bought as an option",
       "quote": "Snow Pack – if you’re going skiing, snowboarding or participating in any other snow sports activities you must select this option",
       "citation": {
        "quote": "Snow Pack – if you’re going skiing, snowboarding or participating in any other snow sports activities you must select this option",
        "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=12",
        "page": 12,
        "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "retail",
     "slug": "australia-post",
     "label": "Australia Post Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 34 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      },
      {
       "gate": "return_ticket",
       "outcome": "unknown",
       "detail": "the document does not state whether a booked return ticket is required",
       "quote": null
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "snow sports has to be bought as an option",
       "quote": "\u0007claims involving participation by You (during the Journey) in On-Piste snow skiing, On-Piste snowboarding or snowmobiling",
       "citation": {
        "quote": "\u0007claims involving participation by You (during the Journey) in On-Piste snow skiing, On-Piste snowboarding or snowmobiling",
        "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",
     "label": "Budget Direct Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 34 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      },
      {
       "gate": "return_ticket",
       "outcome": "unknown",
       "detail": "the document does not state whether a booked return ticket is required",
       "quote": null
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "snow sports has to be bought as an option",
       "quote": "Sand Dune Surfing/Skiing Available on all plans",
       "citation": {
        "quote": "Sand Dune Surfing/Skiing Available on all plans",
        "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=13",
        "page": 13,
        "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "retail",
     "slug": "cover-more",
     "label": "Cover-More Australia Product Disclosure Statement, 15 October 2025",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 34 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      },
      {
       "gate": "return_ticket",
       "outcome": "unknown",
       "detail": "the document does not state whether a booked return ticket is required",
       "quote": null
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "snow sports has to be bought as an option",
       "quote": "Water Skiing • Wrestling PART 2: THE COVER 15 PART 2 Adventure Activities • Blow Karting (organised tour) • BMX Stunt/Obstacle/ Riding (leisure) • Bob sleighing (organised events only) Please note that if You purchase Adventure+ cover, You will also be covered for those…"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "medibank",
     "label": "Medibank Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 34 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      },
      {
       "gate": "return_ticket",
       "outcome": "unknown",
       "detail": "the document does not state whether a booked return ticket is required",
       "quote": null
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "snow sports has to be bought as an option",
       "quote": "\u0007claims involving participation by You (during the Journey) in On‑Piste snow skiing, On-Piste snowboarding or snowmobiling",
       "citation": {
        "quote": "\u0007claims involving participation by You (during the Journey) in On‑Piste snow skiing, On-Piste snowboarding or snowmobiling",
        "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": "webjet",
     "label": "Webjet Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "the document states age limits, but none of them governs buying the policy",
       "quote": null
      },
      {
       "gate": "return_ticket",
       "outcome": "unknown",
       "detail": "the document does not state whether a booked return ticket is required",
       "quote": null
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "snow sports has to be bought as an option",
       "quote": "… $1,200 $1,000 Medical device $1,200 $1,000 Jewellery $1,200 $1,000 Watch $1,200 $1,000 Any other item $1,200 $1,000 8 Adventure activities cover Snow sports: snow skiing, snowboarding and snowmobiling cover Claims involving participation by You (during the Journey) in the following activities are covered if You select this cover and pay an additional premium"
      }
     ]
    }
   ]
  },
  "pregnant-cruise": {
   "label": "Twenty-six weeks pregnant, on a cruise",
   "question": "I am 26 weeks pregnant and going on a cruise.",
   "profile": {
    "age": 31,
    "trip_days": 10,
    "pregnant_weeks": 26,
    "activities": [
     "cruise"
    ]
   },
   "counts": {
    "excluded_for_this": 16,
    "conditional": 6,
    "unknown": 10
   },
   "headline": "16 of the 32 policies exclude something this traveller is asking for: cover stops before week 26 in some, and cruising is excluded unless bought in others. 6 can be made to work by buying the cruise option.",
   "policies": [
    {
     "group": "cards",
     "slug": "bankwest-cards",
     "label": "Bankwest Credit Card Insurance Product Disclosure Statement and Information Booklet",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "The only ages in this booklet that survive the general rules are the age at which an upgrade may be bought and the age in a worked claim example. Neither is the age the complimentary cover stops at, and the booklet does not appear to state one for it.",
       "quote": null
      },
      {
       "gate": "pregnancy",
       "outcome": "excluded_for_this",
       "detail": "cover stops at week 24",
       "quote": "pregnancy of you or any other person after the start of the 24th week of pregnancy, or b",
       "citation": {
        "quote": "pregnancy of you or any other person after the start of the 24th week of pregnancy, or b",
        "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"
       }
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "cruise has to be bought as an option",
       "quote": "… 20 Emergency Assistance and Claims 24-26 24 hour emergency assistance 24 How to make a claim 25 Helpful Tips 27 Safety of your belongings 27 Cruising in Australian waters 28 Reciprocal Healthcare Agreement 28 Important Information Who issues and insures these products?"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "beyond-bank-cards",
     "label": "Beyond Bank Visa Platinum Credit Card Insurance Policy Information Booklet, effective 1 February 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "pregnancy",
       "outcome": "excluded_for_this",
       "detail": "cover stops at week 23",
       "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"
       }
      },
      {
       "gate": "activity",
       "outcome": "unknown",
       "detail": "the document says nothing usable about cruise",
       "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",
     "label": "CommBank Credit Card Insurances Product Disclosure Statement and Information Booklet",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "This booklet gates the cover by age in more than one place and in more than one way: a cardholder under 70 activates it as a matter of course, and one aged 80 or over has a further step to take. Publishing either figure alone would read as the age the cover stops at, which neither is.",
       "quote": null
      },
      {
       "gate": "pregnancy",
       "outcome": "excluded_for_this",
       "detail": "cover stops at week 24",
       "quote": "… 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"
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "cruise has to be bought as an option",
       "quote": "… medicalconditions, conditions, want more adventurous existing want toto dodo more adventurous activitiesororwant wantextras extrasforfor skiing cruising, if you’re aged activities skiing oror cruising, or or if you’re aged 80ororover"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "pn-bank-cards",
     "label": "P&N Bank Visa Platinum Credit Card Insurance Policy Terms and Conditions, effective 1 February 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "pregnancy",
       "outcome": "excluded_for_this",
       "detail": "cover stops at week 23",
       "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://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"
       }
      },
      {
       "gate": "activity",
       "outcome": "unknown",
       "detail": "the document says nothing usable about cruise",
       "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",
     "label": "Qantas Money Credit Card Complimentary Travel Insurance Terms and Conditions, effective 8 September 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "pregnancy",
       "outcome": "excluded_for_this",
       "detail": "cover stops at week 23",
       "quote": "… Overseas Return Trip, if you have a pregnancy related Medical Emergency resulting from an Injury or Illness which: (a) \u0007occurs before the end of the 23rd week of your pregnancy"
      },
      {
       "gate": "activity",
       "outcome": "excluded_for_this",
       "detail": "cruise is excluded",
       "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",
     "label": "Qantas Money Titanium Credit Card Complimentary Insurance Terms and Conditions, effective 8 September 2025",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "pregnancy",
       "outcome": "excluded_for_this",
       "detail": "cover stops at week 23",
       "quote": "… and Amendment Cover if you have an Injury or unforeseen Illness arising from or relating to your pregnancy, that occurs before the end of the 23rd week of your pregnancy and which: 2"
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "cruise has to be bought as an option",
       "quote": "or \u0007 (b) \u0007pay the full amount of a return Scheduled Flight or Scheduled Cruise ticket for each Covered Person, 2",
       "citation": {
        "quote": "or \u0007 (b) \u0007pay the full amount of a return Scheduled Flight or Scheduled Cruise ticket for each Covered Person, 2",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=23",
        "page": 23,
        "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "westpac-cards",
     "label": "Westpac Credit Card International Travel Insurance Product Disclosure Statements",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "pregnancy",
       "outcome": "excluded_for_this",
       "detail": "cover stops at week 24",
       "quote": "the event occurred prior to the 24th week of your pregnancy",
       "citation": {
        "quote": "the event occurred prior to the 24th week of your pregnancy",
        "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"
       }
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "cruise has to be bought as an option",
       "quote": "… Covers Complimentary International Medical Travel Insurance Comprehensive International Travel Insurance + \u0007Pre-Existing Medical Conditions cover + Cruise Pack + Snow Pack + Adventure Pack + \u0007Increased Item Limits Cover + \u0007E xtension of trip duration + \u0007Cover for persons aged 81 years or over Eligible cards LEVEL 1 CARDS • Altitude Black Mastercard • Altitude Qantas Black Mastercard • Altitude Velocity Black…"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "australia-post",
     "label": "Australia Post Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 31 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      },
      {
       "gate": "pregnancy",
       "outcome": "excluded_for_this",
       "detail": "cover stops at week 24",
       "quote": "\u0007Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e",
       "citation": {
        "quote": "\u0007Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e",
        "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=15",
        "page": 15,
        "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "cruise has to be bought as an option",
       "quote": "To find out more: call 1300 728 015 | auspost.com.au/travelinsurance 3 Cooling-off Period Cruise Cover You can cancel or change Your policy at any time before You leave Home",
       "citation": {
        "quote": "To find out more: call 1300 728 015 | auspost.com.au/travelinsurance 3 Cooling-off Period Cruise Cover You can cancel or change Your policy at any time before You leave Home",
        "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=2",
        "page": 2,
        "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "retail",
     "slug": "budget-direct",
     "label": "Budget Direct Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 31 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      },
      {
       "gate": "pregnancy",
       "outcome": "excluded_for_this",
       "detail": "cover stops at week 24",
       "quote": "\u0007Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e",
       "citation": {
        "quote": "\u0007Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e",
        "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=19",
        "page": 19,
        "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "cruise has to be bought as an option",
       "quote": "Page 6 of 55 PART 2: THE COVER Summary of COVID-19 Benefits Cruise cover When don’t I need to add Cruise cover?",
       "citation": {
        "quote": "Page 6 of 55 PART 2: THE COVER Summary of COVID-19 Benefits Cruise cover When don’t I need to add Cruise cover?",
        "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=6",
        "page": 6,
        "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "retail",
     "slug": "cover-more",
     "label": "Cover-More Australia Product Disclosure Statement, 15 October 2025",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 31 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      },
      {
       "gate": "pregnancy",
       "outcome": "excluded_for_this",
       "detail": "cover stops at week 24",
       "quote": "Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e",
       "citation": {
        "quote": "Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e",
        "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=20",
        "page": 20,
        "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "cruise has to be bought as an option",
       "quote": "… Equipment Yes $7,500 Business Equipment Hire Yes $1,500 Alternative Staff No Business Money No $2,000 Kidnap and Ransom No $250,000 No Cover $15,000 Cruise Cover Yes $Cover Chosen^ $Cover Chosen^ $Cover Chosen^ (ii) On-board Medical and Dental Cover Yes $Unlimited~ $Unlimited~ $Unlimited~ (iii) Ship to Shore Medical Cover Yes $Unlimited $Unlimited $Unlimited (iv) Sea Sickness Cover Yes $Unlimited~ $Unlimited~…"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "fast-cover",
     "label": "Fast Cover PDS, 22 March 2025",
     "insurer_group": "Lloyd's",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "pregnancy",
       "outcome": "excluded_for_this",
       "detail": "cover stops at week 23",
       "quote": "Up to the end of the 23rd week of pregnancy if You are pregnant with a single child",
       "citation": {
        "quote": "Up to the end of the 23rd week of pregnancy if You are pregnant with a single child",
        "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"
       }
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "cruise has to be bought as an option",
       "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": "racv",
     "label": "RACV Travel Insurance Combined Financial Services Guide and PDS (current)",
     "insurer_group": "Tokio Marine & Nichido Fire Insurance Co., Ltd",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "pregnancy",
       "outcome": "excluded_for_this",
       "detail": "cover stops at week 25",
       "quote": "Cover is included automatically up to the end of the 25th week of Your pregnancy for: 10 a",
       "citation": {
        "quote": "Cover is included automatically up to the end of the 25th week of Your pregnancy for: 10 a",
        "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"
       }
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "cruise has to be bought as an option",
       "quote": "Please see the Information about cruising section for when You need to select this option",
       "citation": {
        "quote": "Please see the Information about cruising section for when You need to select this option",
        "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",
     "label": "Tick Overseas Travel policy wording, July 2024",
     "insurer_group": "Mitsui Sumitomo Insurance Company Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "the document states age limits, but none of them governs buying the policy",
       "quote": null
      },
      {
       "gate": "activity",
       "outcome": "excluded_for_this",
       "detail": "cruise is excluded",
       "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",
     "label": "Travel Insurance Direct PDS",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "pregnancy",
       "outcome": "excluded_for_this",
       "detail": "cover stops at week 24",
       "quote": "the event occurred prior to the 24th week of your pregnancy",
       "citation": {
        "quote": "the event occurred prior to the 24th week of your pregnancy",
        "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=14",
        "page": 14,
        "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "cruise has to be bought as an option",
       "quote": "8 Optional Covers - Cruise Pack and Snow Pack Policy Benefits…"
      }
     ]
    },
    {
     "group": "retail",
     "slug": "travel-insurance-saver",
     "label": "Travel Insurance Saver PDS v1.3",
     "insurer_group": "Lloyd's",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "pregnancy",
       "outcome": "unknown",
       "detail": "no week of gestation is stated",
       "quote": null
      },
      {
       "gate": "activity",
       "outcome": "excluded_for_this",
       "detail": "cruise is excluded",
       "quote": "(b) any claim if You are confined to the onboard hospital while the cruise vessel is travelling in Australian waters",
       "citation": {
        "quote": "(b) 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",
     "label": "Webjet Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "excluded_for_this",
     "verdict_means": "will sell, but not cover what was asked about",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "the document states age limits, but none of them governs buying the policy",
       "quote": null
      },
      {
       "gate": "pregnancy",
       "outcome": "excluded_for_this",
       "detail": "cover stops at week 24",
       "quote": "\u0007Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e",
       "citation": {
        "quote": "\u0007Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e",
        "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=15",
        "page": 15,
        "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
        "confirmed": "2026-11-05"
       }
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "cruise has to be bought as an option",
       "quote": "Cruise cover – additional premium applies",
       "citation": {
        "quote": "Cruise cover – additional premium applies",
        "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=19",
        "page": 19,
        "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "amex-platinum",
     "label": "American Express Platinum Card Insurance Terms and Conditions",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "pregnancy",
       "outcome": "unknown",
       "detail": "no week of gestation is stated",
       "quote": null
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "cruise has to be bought as an option",
       "quote": "… or b) \u0007when You leave Your Home or Your Work (whichever occurs last) to travel to the departure point of Your Scheduled Flight or Scheduled Cruise"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "macquarie-black",
     "label": "Macquarie Black Credit Card Insurance Terms and Conditions",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "pregnancy",
       "outcome": "unknown",
       "detail": "no week of gestation is stated",
       "quote": null
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "cruise has to be bought as an option",
       "quote": "pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise to Your scheduled outbound destination",
       "citation": {
        "quote": "pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise to Your scheduled outbound destination",
        "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",
     "label": "Macquarie Platinum Credit Card Insurance Terms and Conditions",
     "insurer_group": "Chubb Insurance Australia Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "pregnancy",
       "outcome": "unknown",
       "detail": "no week of gestation is stated",
       "quote": null
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "cruise has to be bought as an option",
       "quote": "pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise to Your scheduled outbound destination",
       "citation": {
        "quote": "pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise to Your scheduled outbound destination",
        "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": "retail",
     "slug": "insureandgo",
     "label": "Insure&Go Single-Trip Travel Insurance PDS, 20 January 2026",
     "insurer_group": "Mitsui Sumitomo Insurance Company Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 31 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "cruise has to be bought as an option",
       "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",
     "label": "Medibank Travel Insurance PDS",
     "insurer_group": "Zurich Australian Insurance Limited",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 31 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "cruise has to be bought as an option",
       "quote": "Cruise cover – additional premium applies",
       "citation": {
        "quote": "Cruise cover – additional premium applies",
        "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": "zoom",
     "label": "Zoom Australia Standard PDS, 7 November 2023",
     "insurer_group": "HDI Global Speciality SE",
     "verdict": "conditional",
     "verdict_means": "available, with something to do first",
     "because": [
      {
       "gate": "pregnancy",
       "outcome": "unknown",
       "detail": "no week of gestation is stated",
       "quote": null
      },
      {
       "gate": "activity",
       "outcome": "conditional",
       "detail": "cruise has to be bought as an option",
       "quote": "76 Bicycle Pack…"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "anz-platinum-black",
     "label": "ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet dated 7 June 2024",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "activity",
       "outcome": "unknown",
       "detail": "the document says nothing usable about cruise",
       "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.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",
     "label": "Bank of Melbourne Credit Card Complimentary Insurance Policy Information Booklet, effective 5 April 2023",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "activity",
       "outcome": "unknown",
       "detail": "the document says nothing usable about cruise",
       "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",
     "label": "BankSA Credit Cards Complimentary Insurance Policy Information Booklet, effective 5 April 2023",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "activity",
       "outcome": "unknown",
       "detail": "the document says nothing usable about cruise",
       "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.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": "bendigo-cards",
     "label": "Bendigo Credit Card Insurance Terms & Conditions, 16 October 2024",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "activity",
       "outcome": "unknown",
       "detail": "the document says nothing usable about cruise",
       "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.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=8",
        "page": 8,
        "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
        "confirmed": "2026-11-05"
       }
      }
     ]
    },
    {
     "group": "cards",
     "slug": "great-southern-bank-cards",
     "label": "Great Southern Bank Platinum Credit Cards Complimentary Insurances Policy Information Booklet, effective 7 August 2024",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "activity",
       "outcome": "unknown",
       "detail": "the document says nothing usable about cruise",
       "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.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",
     "label": "HSBC Personal Cards Complimentary Insurance Terms and Conditions, effective 26 March 2025",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "age",
       "outcome": "unknown",
       "detail": "no age ceiling is stated for buying this policy, so being 31 is not ruled out by the document and is not confirmed by it either",
       "quote": null
      },
      {
       "gate": "activity",
       "outcome": "unknown",
       "detail": "the document says nothing usable about cruise",
       "quote": "… disaster overseas pre-existing medical condition outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters"
      }
     ]
    },
    {
     "group": "cards",
     "slug": "mycard-cards",
     "label": "MyCard Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "activity",
       "outcome": "unknown",
       "detail": "the document says nothing usable about cruise",
       "quote": "overseas means outside of Australia and its territories and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters",
       "citation": {
        "quote": "overseas means outside of Australia and its territories and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters",
        "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",
     "label": "NAB Card Insurance Policy Information Booklet effective 15 May 2026",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "activity",
       "outcome": "unknown",
       "detail": "the document says nothing usable about cruise",
       "quote": "overseas means outside of Australia and its territories and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters",
       "citation": {
        "quote": "overseas means outside of Australia and its territories and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters",
        "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": "stgeorge-cards",
     "label": "St.George Credit Cards Complimentary Insurance Policy Information Booklet",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "activity",
       "outcome": "unknown",
       "detail": "the document says nothing usable about cruise",
       "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.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",
     "label": "Virgin Money Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026",
     "insurer_group": "Allianz Australia Insurance Limited",
     "verdict": "unknown",
     "verdict_means": "the document does not say",
     "because": [
      {
       "gate": "activity",
       "outcome": "unknown",
       "detail": "the document says nothing usable about cruise",
       "quote": "overseas means outside of Australia and its territories and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters",
       "citation": {
        "quote": "overseas means outside of Australia and its territories and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters",
        "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"
       }
      }
     ]
    }
   ]
  }
 },
 "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",
   "insurer": "Chubb Insurance Australia Limited",
   "insurer_group": "Chubb Insurance Australia Limited",
   "content_sha256": "c9d41da8c4db30963aededb0f253d8bdc280c3e9b6d373a9046bb4d2863c23d7",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "residency",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 79,
       "stated_as": "79 years of age or younger",
       "scope": "policy",
       "plan_named": null,
       "quote": "You must be 79 years of age or younger before You make Your Qualifying Travel Purchase",
       "rule": "card.age_limit",
       "citation": {
        "quote": "You must be 79 years of age or younger before You make Your Qualifying Travel Purchase",
        "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=6",
        "page": 6,
        "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": 79,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [
      "Cuba"
     ],
     "quotes": {
      "Cuba": "any costs with respect to Cuba"
     },
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "Section (F) Resumption Of Long International Trip Cover 30 Financial Claims Scheme 47 General Insurance Code Of Practice 48 Sanctions 48 THE AMERICAN EXPRESS PLATINUM CARD Terms And Conditions This Policy is effective from 15/03/2022 American Express® Card Insurance Policy Number: 09NACPLT06 Eligible American Express Card Products This Policy applies to the following American Express Card…",
      "citation": {
       "quote": "Section (F) Resumption Of Long International Trip Cover 30 Financial Claims Scheme 47 General Insurance Code Of Practice 48 Sanctions 48 THE AMERICAN EXPRESS PLATINUM CARD Terms And Conditions This Policy is effective from 15/03/2022 American Express® Card Insurance Policy Number: 09NACPLT06 Eligible American Express Card Products This Policy applies to the following American Express Card",
       "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=2",
       "page": 2,
       "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "Please note: - - t\u0007 here is no cover if You travel when a ‘Do Not Travel’ travel advisory warning has been issued by an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as the Department of Foreign Affairs (DFAT)) prior to Your Trip starting – even if You have an exemption…",
      "citation": {
       "quote": "Please note: - - t\u0007 here is no cover if You travel when a ‘Do Not Travel’ travel advisory warning has been issued by an Australian State or Territory or the Australian Federal Government or an Australian government agency (such as the Department of Foreign Affairs (DFAT)) prior to Your Trip starting – even if You have an exemption",
       "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=7",
       "page": 7,
       "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
       "confirmed": "2026-11-05"
      }
     },
     "status": "read",
     "citations": [
      {
       "quote": "any costs with respect to Cuba",
       "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=42",
       "page": 42,
       "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
       "confirmed": "2026-11-05"
      }
     ]
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 180,
       "stated_as": "trip exceeds 180 consecutive days",
       "condition": null,
       "quote": "trip exceeds 180 consecutive days",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "trip exceeds 180 consecutive days",
        "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=22",
        "page": 22,
        "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": 180,
     "status": "read"
    },
    "pregnancy": {
     "status": "not_stated"
    },
    "pre_existing": {
     "cover": "excluded",
     "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)",
     "rule": "card.pre_existing",
     "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"
     },
     "status": "read"
    },
    "residency": {
     "required": true,
     "quote": "You are a Resident of Australia",
     "rule": "card.residency",
     "citation": {
      "quote": "You are a Resident of Australia",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=9",
      "page": 9,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "return_ticket": {
     "required": true,
     "quote": "… may need to provide evidence of Your intention to return to Your Home or Your Work where reasonably possible, for example by providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates etc",
     "rule": "gate.return_ticket.stated",
     "status": "read",
     "citation": {
      "quote": "may need to provide evidence of Your intention to return to Your Home or Your Work where reasonably possible, for example by providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates etc",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=7",
      "page": 7,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05"
     }
    },
    "activity": {
     "snow_sports": {
      "cover": "excluded",
      "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"
      }
     },
     "cruise": {
      "cover": "optional",
      "quote": "… or b) \u0007when You leave Your Home or Your Work (whichever occurs last) to travel to the departure point of Your Scheduled Flight or Scheduled Cruise",
      "citation": {
       "quote": "or b) \u0007when You leave Your Home or Your Work (whichever occurs last) to travel to the departure point of Your Scheduled Flight or Scheduled Cruise",
       "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=22",
       "page": 22,
       "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
       "confirmed": "2026-11-05"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "\u0007 he rental of trailers or caravans, vehicles for business or T commercial use, motorcycles, mopeds, campervans and motor homes",
      "citation": {
       "quote": "\u0007 he rental of trailers or caravans, vehicles for business or T commercial use, motorcycles, mopeds, campervans and motor homes",
       "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=16",
       "page": 16,
       "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "excluded",
      "quote": "cave diving",
      "citation": {
       "quote": "cave diving",
       "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=23",
       "page": 23,
       "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": []
  },
  {
   "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",
   "insurer": "Allianz Australia Insurance Limited",
   "insurer_group": "Allianz Australia Insurance Limited",
   "content_sha256": "560427ecc3310dfc6ec4ab836d7f305114c8e976a5c4bcf564e3fd3d1e7c88d8",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "residency",
    "return_ticket",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 80,
       "stated_as": "aged under 81 years",
       "scope": "policy",
       "plan_named": null,
       "quote": "(for people aged under 81 years)…",
       "rule": "card.age_limit",
       "citation": {
        "quote": "(for people aged under 81 years)",
        "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=5",
        "page": 5,
        "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": 80,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [],
     "quotes": {},
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "… any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations",
      "citation": {
       "quote": "any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations",
       "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=9",
       "page": 9,
       "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "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"
      }
     },
     "status": "read",
     "citations": []
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 180,
       "stated_as": "Up to six (6) consecutive months for ANZ Black Credit Card cardholders, their spouses and/or dependants",
       "condition": "ANZ Black Credit Card cardholders, their spouses and/or dependants",
       "quote": "Up to six (6) consecutive months for ANZ Black Credit Card cardholders, their spouses and/or dependants",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Up to six (6) consecutive months for ANZ Black Credit Card cardholders, their spouses and/or dependants",
        "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=22",
        "page": 22,
        "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 90,
       "stated_as": "Up to three (3) consecutive months for ANZ Platinum Credit Card cardholders, their spouses and/or dependants",
       "condition": "ANZ Platinum Credit Card cardholders, their spouses and/or dependants",
       "quote": "Up to three (3) consecutive months for ANZ Platinum Credit Card cardholders, their spouses and/or dependants",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Up to three (3) consecutive months for ANZ Platinum Credit Card cardholders, their spouses and/or dependants",
        "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=22",
        "page": 22,
        "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 26,
     "stated_as": "26th week of your pregnancy",
     "quote": "the period 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)",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "the period 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=30",
      "page": 30,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05"
     }
    },
    "pre_existing": {
     "cover": "excluded",
     "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
     "rule": "card.pre_existing",
     "citation": {
      "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
      "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"
     },
     "status": "read"
    },
    "residency": {
     "required": true,
     "quote": "you reside in Australia or are the holder of a visa issued under the Migration Act 1958 (Cth) which entitles you to residency",
     "rule": "card.residency",
     "citation": {
      "quote": "you reside in Australia or are the holder of a visa issued under the Migration Act 1958 (Cth) which entitles you to residency",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=21",
      "page": 21,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before leaving Australia",
     "rule": "card.return_ticket",
     "citation": {
      "quote": "you have a return overseas travel ticket before leaving Australia",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=21",
      "page": 21,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "activity": {
     "snow_sports": {
      "cover": "mentioned",
      "quote": "… pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, off-piste snow skiing, off-piste snowboarding or snowmobiling",
      "citation": {
       "quote": "pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, off-piste snow skiing, off-piste snowboarding or snowmobiling",
       "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"
      }
     },
     "cruise": {
      "cover": "mentioned",
      "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.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"
      }
     },
     "motorcycle": {
      "cover": "excluded",
      "quote": "boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
      "citation": {
       "quote": "boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
       "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=13",
       "page": 13,
       "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "mentioned",
      "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"
      }
     }
    }
   },
   "review": []
  },
  {
   "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",
   "insurer": "Allianz Australia Insurance Limited",
   "insurer_group": "Allianz Australia Insurance Limited",
   "content_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "residency",
    "return_ticket",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 80,
       "stated_as": "aged under 81 years",
       "scope": "policy",
       "plan_named": null,
       "quote": "International Travel Insurance (for persons aged under 81 years)",
       "rule": "card.age_limit",
       "citation": {
        "quote": "International Travel Insurance (for persons aged under 81 years)",
        "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=4",
        "page": 4,
        "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": 80,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [
      "Somalia"
     ],
     "quotes": {
      "Somalia": "… extent permitted by law we will not pay if you are kidnapped in the countries or territorial waters of the United Mexican States, the Philippines, Somalia or in any country (or their territorial waters) located in Central America or South America, south of the border between the United Mexican States and the United States of America"
     },
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "… the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America",
      "citation": {
       "quote": "the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America",
       "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=9",
       "page": 9,
       "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "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"
      }
     },
     "status": "read",
     "citations": [
      {
       "quote": "extent permitted by law we will not pay if you are kidnapped in the countries or territorial waters of the United Mexican States, the Philippines, Somalia or in any country (or their territorial waters) located in Central America or South America, south of the border between the United Mexican States and the United States of America",
       "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=49",
       "page": 49,
       "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
       "confirmed": "2026-11-05"
      }
     ]
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 180,
       "stated_as": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "condition": "cardholders, their spouses and/or dependants",
       "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
        "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=18",
        "page": 18,
        "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 90,
       "stated_as": "Up to three (3) consecutive months for cardholders, their spouses and/or dependants 18",
       "condition": "cardholders, their spouses and/or dependants 18",
       "quote": "Up to three (3) consecutive months for cardholders, their spouses and/or dependants 18",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Up to three (3) consecutive months for cardholders, their spouses and/or dependants 18",
        "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=18",
        "page": 18,
        "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 26,
     "stated_as": "26th week of your pregnancy",
     "quote": "… because such travel would be unsafe for your health or the health of your unborn child however: − no cover is available beyond 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)",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "because such travel would be unsafe for your health or the health of your unborn child however: − no cover is available beyond 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.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"
     }
    },
    "pre_existing": {
     "cover": "automatic_for_listed",
     "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
     "rule": "card.pre_existing",
     "citation": {
      "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=29",
      "page": 29,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "residency": {
     "required": true,
     "quote": "you reside in Australia and your journey begins and ends in Australia",
     "rule": "card.residency",
     "citation": {
      "quote": "you reside in Australia and your journey begins and ends in Australia",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=17",
      "page": 17,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before you leave Australia",
     "rule": "card.return_ticket",
     "citation": {
      "quote": "you have a return overseas travel ticket before you leave Australia",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=17",
      "page": 17,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "activity": {
     "snow_sports": {
      "cover": "mentioned",
      "quote": "… pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, off-piste snow skiing, off-piste snowboarding, snowmobiling or any other similar activity",
      "citation": {
       "quote": "pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, off-piste snow skiing, off-piste snowboarding, snowmobiling or any other similar activity",
       "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"
      }
     },
     "cruise": {
      "cover": "mentioned",
      "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"
      }
     },
     "motorcycle": {
      "cover": "excluded",
      "quote": "boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
      "citation": {
       "quote": "boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
       "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=12",
       "page": 12,
       "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "mentioned",
      "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"
      }
     }
    }
   },
   "review": []
  },
  {
   "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",
   "insurer": "Allianz Australia Insurance Limited",
   "insurer_group": "Allianz Australia Insurance Limited",
   "content_sha256": "1bdc3db36e3c0989e06c90ec034051c23a58cdf02251d742c6652fa5bb6f8ad3",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "residency",
    "return_ticket",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 80,
       "stated_as": "aged under 81 years",
       "scope": "policy",
       "plan_named": null,
       "quote": "International Travel Insurance (for persons aged under 81 years)",
       "rule": "card.age_limit",
       "citation": {
        "quote": "International Travel Insurance (for persons aged under 81 years)",
        "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=4",
        "page": 4,
        "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": 80,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [
      "Somalia"
     ],
     "quotes": {
      "Somalia": "… extent permitted by law we will not pay if you are kidnapped in the countries or territorial waters of the United Mexican States, the Philippines, Somalia or in any country (or their territorial waters) located in Central America or South America, south of the border between the United Mexican States and the United States of America"
     },
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "… the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America",
      "citation": {
       "quote": "the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America",
       "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=8",
       "page": 8,
       "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "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"
      }
     },
     "status": "read",
     "citations": [
      {
       "quote": "extent permitted by law we will not pay if you are kidnapped in the countries or territorial waters of the United Mexican States, the Philippines, Somalia or in any country (or their territorial waters) located in Central America or South America, south of the border between the United Mexican States and the United States of America",
       "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=50",
       "page": 50,
       "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
       "confirmed": "2026-11-05"
      }
     ]
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 180,
       "stated_as": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "condition": "cardholders, their spouses and/or dependants",
       "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
        "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=20",
        "page": 20,
        "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 90,
       "stated_as": "Up to three (3) consecutive months for cardholders, their spouses and/or dependants",
       "condition": "cardholders, their spouses and/or dependants",
       "quote": "Up to three (3) consecutive months for cardholders, their spouses and/or dependants",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Up to three (3) consecutive months for cardholders, their spouses and/or dependants",
        "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=20",
        "page": 20,
        "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 26,
     "stated_as": "26th week of your pregnancy",
     "quote": "… because such travel would be unsafe for your health or the health of your unborn child however: − no cover is available beyond 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)",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "because such travel would be unsafe for your health or the health of your unborn child however: − no cover is available beyond 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.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=42",
      "page": 42,
      "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
      "confirmed": "2026-11-05"
     }
    },
    "pre_existing": {
     "cover": "automatic_for_listed",
     "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
     "rule": "card.pre_existing",
     "citation": {
      "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
      "page": 30,
      "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "residency": {
     "required": true,
     "quote": "you reside in Australia and your journey begins and ends in Australia",
     "rule": "card.residency",
     "citation": {
      "quote": "you reside in Australia and your journey begins and ends in Australia",
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=19",
      "page": 19,
      "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before you leave Australia",
     "rule": "card.return_ticket",
     "citation": {
      "quote": "you have a return overseas travel ticket before you leave Australia",
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=19",
      "page": 19,
      "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "activity": {
     "snow_sports": {
      "cover": "mentioned",
      "quote": "… pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, off-piste snow skiing, off-piste snowboarding, snowmobiling or any other similar activity",
      "citation": {
       "quote": "pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, off-piste snow skiing, off-piste snowboarding, snowmobiling or any other similar activity",
       "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"
      }
     },
     "cruise": {
      "cover": "mentioned",
      "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.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"
      }
     },
     "motorcycle": {
      "cover": "excluded",
      "quote": "boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
      "citation": {
       "quote": "boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
       "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=12",
       "page": 12,
       "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "mentioned",
      "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"
      }
     }
    }
   },
   "review": []
  },
  {
   "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",
   "insurer": "Zurich Australian Insurance Limited",
   "insurer_group": "Zurich Australian Insurance Limited",
   "content_sha256": "23d8e0bfd24cadfea129470615545445ce3a81f3ce40fd3f47231034ef67813a",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [],
     "max_age_for_purchase": null,
     "status": "withheld",
     "why": "The only ages in this booklet that survive the general rules are the age at which an upgrade may be bought and the age in a worked claim example. Neither is the age the complimentary cover stops at, and the booklet does not appear to state one for it."
    },
    "destination": {
     "countries_named_and_excluded": [
      "Crimea",
      "Cuba",
      "Donetsk",
      "Iran",
      "Luhansk",
      "North Korea",
      "Syria",
      "Ukraine"
     ],
     "quotes": {
      "Crimea": "… 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",
      "Cuba": "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",
      "Donetsk": "… 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",
      "Iran": "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",
      "Luhansk": "… 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",
      "North Korea": "… 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",
      "Syria": "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",
      "Ukraine": "… 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"
     },
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "Sanctions Notwithstanding any other terms, we shall not be deemed to provide coverage and will not make any payments nor provide any service or benefit to you or any other party to the extent that such cover, payment, service, benefit and/or activity of yours would…",
      "citation": {
       "quote": "Sanctions Notwithstanding any other terms, we shall not be deemed to provide coverage and will not make any payments nor provide any service or benefit to you or any other party to the extent that such cover, payment, service, benefit and/or activity of yours would",
       "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"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "Page 44 of 105 Credit Card Insurance If your trip involves travel to a country or part of a country the Australian Government on the smartraveller.gov.au website has issued a “Reconsider your need to travel” or “Do not travel” advice or warning, we may not be able to provide you with emergency assistance in that country",
      "citation": {
       "quote": "Page 44 of 105 Credit Card Insurance If your trip involves travel to a country or part of a country the Australian Government on the smartraveller.gov.au website has issued a “Reconsider your need to travel” or “Do not travel” advice or warning, we may not be able to provide you with emergency assistance in that country",
       "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"
      }
     },
     "status": "read",
     "citations": [
      {
       "quote": "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"
      },
      {
       "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"
      },
      {
       "quote": "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"
      },
      {
       "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"
      },
      {
       "quote": "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"
      },
      {
       "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"
      },
      {
       "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"
      },
      {
       "quote": "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"
      }
     ]
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 360,
       "stated_as": "12 consecutive months for Bankwest World Mastercard cardholders",
       "condition": "Bankwest World Mastercard cardholders",
       "quote": "12 consecutive months for Bankwest World Mastercard cardholders",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "12 consecutive months for Bankwest World Mastercard cardholders",
        "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=6",
        "page": 6,
        "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 24,
     "stated_as": "24th week of pregnancy",
     "quote": "pregnancy of you or any other person after the start of the 24th week of pregnancy, or b",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "pregnancy of you or any other person after the start of the 24th week of pregnancy, or b",
      "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"
     }
    },
    "pre_existing": {
     "cover": "automatic_for_listed",
     "quote": "Cover is not provided for existing medical conditions unless we automatically include cover for that condition or you apply for and obtain existing medical condition cover for that condition",
     "rule": "card.pre_existing",
     "citation": {
      "quote": "Cover is not provided for existing medical conditions unless we automatically include cover for that condition or you apply for and obtain existing medical condition cover for that condition",
      "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"
     },
     "status": "read"
    },
    "residency": {
     "required": null,
     "status": "not_stated"
    },
    "return_ticket": {
     "required": true,
     "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",
     "rule": "gate.return_ticket.stated",
     "status": "read",
     "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"
     }
    },
    "activity": {
     "snow_sports": {
      "cover": "optional",
      "quote": "– on-piste means areas that are groomed terrain, marked slopes, and open trails maintained, monitored and patrolled by the ski resort",
      "citation": {
       "quote": "– on-piste means areas that are groomed terrain, marked slopes, and open trails maintained, monitored and patrolled by the ski resort",
       "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"
      }
     },
     "cruise": {
      "cover": "optional",
      "quote": "… 20 Emergency Assistance and Claims 24-26 24 hour emergency assistance 24 How to make a claim 25 Helpful Tips 27 Safety of your belongings 27 Cruising in Australian waters 28 Reciprocal Healthcare Agreement 28 Important Information Who issues and insures these products?",
      "citation": {
       "quote": "20 Emergency Assistance and Claims 24-26 24 hour emergency assistance 24 How to make a claim 25 Helpful Tips 27 Safety of your belongings 27 Cruising in Australian waters 28 Reciprocal Healthcare Agreement 28 Important Information Who issues and insures these products?",
       "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=2",
       "page": 2,
       "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
       "confirmed": "2026-11-05"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "*Conditions apply to these underwater activities and to riding a motorcycle/motorscooter",
      "citation": {
       "quote": "*Conditions apply to these underwater activities and to riding a motorcycle/motorscooter",
       "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"
      }
     },
     "scuba": {
      "cover": "mentioned",
      "quote": "… potholing, canyoning, caving, fire walking, motocross, freestyle BMX riding, running with the bulls, rodeo riding, polo playing, tobogganing, scuba diving or underwater activities that involve using artificial breathing equipment scuba diving unless you hold an Open Water Diving Certificate, or are diving with a qualified and registered diving instructor 31",
      "citation": {
       "quote": "potholing, canyoning, caving, fire walking, motocross, freestyle BMX riding, running with the bulls, rodeo riding, polo playing, tobogganing, scuba diving or underwater activities that involve using artificial breathing equipment scuba diving unless you hold an Open Water Diving Certificate, or are diving with a qualified and registered diving instructor 31",
       "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"
      }
     }
    }
   },
   "review": []
  },
  {
   "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",
   "insurer": "Allianz Australia Insurance Limited",
   "insurer_group": "Allianz Australia Insurance Limited",
   "content_sha256": "91f2214385a2ad1d67845ba668a9b051ca7cac5eca48f1f0c7ab54de9d4adfdf",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "residency",
    "return_ticket",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 80,
       "stated_as": "aged under 81 years",
       "scope": "policy",
       "plan_named": null,
       "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
       "rule": "card.age_limit",
       "citation": {
        "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
        "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=10",
        "page": 10,
        "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": 80,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [],
     "quotes": {},
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "… any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations",
      "citation": {
       "quote": "any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations",
       "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=4",
       "page": 4,
       "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "by the Australian government (when a ‘Reconsider 22 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 22 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=13",
       "page": 13,
       "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
       "confirmed": "2026-11-05"
      }
     },
     "status": "read",
     "citations": []
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 90,
       "stated_as": "Up to 3 consecutive months for cardholders, their spouses and/or dependants",
       "condition": "cardholders, their spouses and/or dependants",
       "quote": "Up to 3 consecutive months for cardholders, their spouses and/or dependants",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Up to 3 consecutive months for cardholders, their spouses and/or dependants",
        "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"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 26,
     "stated_as": "26th week of your pregnancy",
     "quote": "the period 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)",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "the period 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=13",
      "page": 13,
      "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
      "confirmed": "2026-11-05"
     }
    },
    "pre_existing": {
     "cover": "see_document",
     "quote": "Pre-existing Medical Condition an epidemic that spreads to multiple countries, continents, or worldwide, that is recognised or referred to as a pandemic by the World Health Organisation (WHO) or an official government authority",
     "rule": "card.pre_existing",
     "citation": {
      "quote": "Pre-existing Medical Condition an epidemic that spreads to multiple countries, continents, or worldwide, that is recognised or referred to as a pandemic by the World Health Organisation (WHO) or an official government authority",
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=8",
      "page": 8,
      "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "residency": {
     "required": true,
     "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
     "rule": "card.residency",
     "citation": {
      "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=10",
      "page": 10,
      "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before you leave Australia",
     "rule": "card.return_ticket",
     "citation": {
      "quote": "you have a return overseas travel ticket before you leave Australia",
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=10",
      "page": 10,
      "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "activity": {
     "snow_sports": {
      "cover": "mentioned",
      "quote": "… pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, off-piste snow skiing, off-piste snowboarding, snowmobiling",
      "citation": {
       "quote": "pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, off-piste snow skiing, off-piste snowboarding, snowmobiling",
       "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"
      }
     },
     "cruise": {
      "cover": "mentioned",
      "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.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=8",
       "page": 8,
       "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
       "confirmed": "2026-11-05"
      }
     },
     "motorcycle": {
      "cover": "excluded",
      "quote": "boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
      "citation": {
       "quote": "boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
       "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=6",
       "page": 6,
       "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "mentioned",
      "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.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=14",
       "page": 14,
       "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": []
  },
  {
   "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",
   "insurer": "Chubb Insurance Australia Limited",
   "insurer_group": "Chubb Insurance Australia Limited",
   "content_sha256": "160cf0da13615a4f167b8307bae4ebe5472630b26dea34883da86a6f19b14e4d",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "residency",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 79,
       "stated_as": "79 years of age or younger",
       "scope": "policy",
       "plan_named": null,
       "quote": "who are seventy-nine (79) years of age or younger when making a Relevant Travel Purchase",
       "rule": "card.age_limit",
       "citation": {
        "quote": "who are seventy-nine (79) years of age or younger when making a Relevant Travel Purchase",
        "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"
       }
      }
     ],
     "max_age_for_purchase": 79,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [],
     "quotes": {},
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "… and Customer Resolution Service 58 Contact Details 58 Process 58 Our response 58 External Dispute Resolution 59 General Insurance Code of Practice 59 Sanctions 59 Customer Service Consultants are available between 8:30am - 5pm AEST/AEDT on business days",
      "citation": {
       "quote": "and Customer Resolution Service 58 Contact Details 58 Process 58 Our response 58 External Dispute Resolution 59 General Insurance Code of Practice 59 Sanctions 59 Customer Service Consultants are available between 8:30am - 5pm AEST/AEDT on business days",
       "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=3",
       "page": 3,
       "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "Check the travel advice issued by Department of Foreign Affairs and Trade (DFAT) at https://www.smartraveller.gov.au/ for Your travel destination and the countries You plan to visit on Your Trip",
      "citation": {
       "quote": "Check the travel advice issued by Department of Foreign Affairs and Trade (DFAT) at https://www.smartraveller.gov.au/ for Your travel destination and the countries You plan to visit on Your Trip",
       "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=3",
       "page": 3,
       "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad",
       "confirmed": "2026-11-05"
      }
     },
     "status": "read",
     "citations": []
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 14,
       "stated_as": "Fourteen (14) consecutive days for a Domestic Return Trip",
       "condition": "a Domestic Return Trip",
       "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
        "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"
       }
      },
      {
       "max_days": 180,
       "stated_as": "eighty (180) consecutive days for an Overseas Return Trip • who are a Resident of Australia",
       "condition": "an Overseas Return Trip • who are a Resident of Australia",
       "quote": "eighty (180) consecutive days for an Overseas Return Trip • who are a Resident of Australia",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "eighty (180) consecutive days for an Overseas Return Trip • who are a Resident of Australia",
        "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"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 23,
     "stated_as": "23rd week of Your pregnancy",
     "quote": "c) Your pregnancy, if after the end of the 23rd week of Your pregnancy",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "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"
     }
    },
    "pre_existing": {
     "cover": "excluded",
     "quote": "Pre-Existing Medical Conditions COVID-19 This Policy does not cover any Pre-Existing Medical Conditions under Sections A – L (below)",
     "rule": "card.pre_existing",
     "citation": {
      "quote": "Pre-Existing Medical Conditions COVID-19 This Policy does not cover any Pre-Existing Medical Conditions under Sections A – L (below)",
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=6",
      "page": 6,
      "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "residency": {
     "required": true,
     "quote": "who are a Resident of Australia",
     "rule": "card.residency",
     "citation": {
      "quote": "who are a Resident of Australia",
      "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"
     },
     "status": "read"
    },
    "return_ticket": {
     "required": true,
     "quote": "Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return-to-Work dates",
     "rule": "gate.return_ticket.stated",
     "status": "read",
     "citation": {
      "quote": "Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return-to-Work dates",
      "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"
     }
    },
    "activity": {
     "snow_sports": {
      "cover": "excluded",
      "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"
      }
     },
     "cruise": {
      "cover": "mentioned",
      "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"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "It does not mean trucks, mini buses, buses, trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles",
      "citation": {
       "quote": "It does not mean trucks, mini buses, buses, trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles",
       "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"
      }
     },
     "scuba": {
      "cover": "excluded",
      "quote": "cave diving",
      "citation": {
       "quote": "cave diving",
       "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=10",
       "page": 10,
       "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": []
  },
  {
   "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",
   "insurer": "Zurich Australian Insurance Limited",
   "insurer_group": "Zurich Australian Insurance Limited",
   "content_sha256": "d1eebe4c665df77fff9139ed38d287dd927610e33e0f68816e115111a67a7b4c",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "return_ticket",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [],
     "max_age_for_purchase": null,
     "status": "withheld",
     "why": "This booklet gates the cover by age in more than one place and in more than one way: a cardholder under 70 activates it as a matter of course, and one aged 80 or over has a further step to take. Publishing either figure alone would read as the age the cover stops at, which neither is."
    },
    "destination": {
     "countries_named_and_excluded": [
      "Crimea",
      "Cuba",
      "Donetsk",
      "Iran",
      "Luhansk",
      "North Korea",
      "Syria",
      "Ukraine"
     ],
     "quotes": {
      "Crimea": "… 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",
      "Cuba": "\u0007claims 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",
      "Donetsk": "… 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",
      "Iran": "\u0007claims 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",
      "Luhansk": "… 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",
      "North Korea": "… 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",
      "Syria": "\u0007claims 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",
      "Ukraine": "… 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"
     },
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "Sanctions Notwithstanding any other terms, we shall not be deemed to provide coverage and will not make any payments nor provide any service or benefit to you or any other party to the extent that such cover, payment, service, benefit and/or activity of yours would…",
      "citation": {
       "quote": "Sanctions Notwithstanding any other terms, we shall not be deemed to provide coverage and will not make any payments nor provide any service or benefit to you or any other party to the extent that such cover, payment, service, benefit and/or activity of yours would",
       "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=11",
       "page": 11,
       "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "Benefit 1: Overseas Emergency Medical Assistance If your trip involves travel to a country or part of the country the Australian Government on the smartraveller.gov.au website advises travellers to “Reconsider your need to travel” or “Do not travel”, and you choose to continue with your trip, you should understand that we may not be able to provide you with emergency assistance there because the current situation…",
      "citation": {
       "quote": "Benefit 1: Overseas Emergency Medical Assistance If your trip involves travel to a country or part of the country the Australian Government on the smartraveller.gov.au website advises travellers to “Reconsider your need to travel” or “Do not travel”, and you choose to continue with your trip, you should understand that we may not be able to provide you with emergency assistance there because the current situation",
       "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=11",
       "page": 11,
       "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
       "confirmed": "2026-11-05"
      }
     },
     "status": "read",
     "citations": [
      {
       "quote": "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.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=21",
       "page": 21,
       "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "\u0007claims 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.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=21",
       "page": 21,
       "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=21",
       "page": 21,
       "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "\u0007claims 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.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=21",
       "page": 21,
       "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=21",
       "page": 21,
       "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=21",
       "page": 21,
       "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "\u0007claims 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.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=21",
       "page": 21,
       "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=21",
       "page": 21,
       "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
       "confirmed": "2026-11-05"
      }
     ]
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 360,
       "stated_as": "12 months for Upgrades",
       "condition": "Upgrades",
       "quote": "12 months for Upgrades",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "12 months for Upgrades",
        "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"
       }
      },
      {
       "max_days": 90,
       "stated_as": "3 months for Benefits 1-3, limits are the combined limit for a cardholder and their family per journey and not per person unless specified",
       "condition": "Benefits 1-3, limits are the combined limit for a cardholder and their family per journey and not per person unless specified",
       "quote": "3 months for Benefits 1-3, limits are the combined limit for a cardholder and their family per journey and not per person unless specified",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "3 months for Benefits 1-3, limits are the combined limit for a cardholder and their family per journey and not per person unless specified",
        "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf"
       }
      },
      {
       "max_days": 360,
       "stated_as": "12 months for Benefits 1-3, limits are the combined limit for a cardholder and their family per journey and not per person unless specified",
       "condition": "Benefits 1-3, limits are the combined limit for a cardholder and their family per journey and not per person unless specified",
       "quote": "12 months for Benefits 1-3, limits are the combined limit for a cardholder and their family per journey and not per person unless specified",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "12 months for Benefits 1-3, limits are the combined limit for a cardholder and their family per journey and not per person unless specified",
        "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 24,
     "stated_as": "24th week of pregnancy",
     "quote": "… 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",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "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"
     }
    },
    "pre_existing": {
     "cover": "automatic_for_listed",
     "quote": "Existing medical conditions for persons aged 79 years and under Cover is not provided for existing medical conditions, except for those automatically accepted as described on pages 22-24, or where you have purchased the Existing medical conditions Upgrade",
     "rule": "card.pre_existing",
     "citation": {
      "quote": "Existing medical conditions for persons aged 79 years and under Cover is not provided for existing medical conditions, except for those automatically accepted as described on pages 22-24, or where you have purchased the Existing medical conditions Upgrade",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=11",
      "page": 11,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "residency": {
     "required": null,
     "status": "not_stated"
    },
    "return_ticket": {
     "required": true,
     "quote": "in full or part payment for your return overseas travel ticket(s) (including the spend of at least $500 worth of prepaid travel costs redeemed using CommBank Awards points or Travel Booking travel credits on the CBA Travel Sites provided by Hopper)",
     "rule": "card.return_ticket",
     "citation": {
      "quote": "in full or part payment for your return overseas travel ticket(s) (including the spend of at least $500 worth of prepaid travel costs redeemed using CommBank Awards points or Travel Booking travel credits on the CBA Travel Sites provided by Hopper)",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=9",
      "page": 9,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "activity": {
     "snow_sports": {
      "cover": "optional",
      "quote": "… medicalconditions, conditions, want more adventurous existing want toto dodo more adventurous activitiesororwant wantextras extrasforfor skiing cruising, if you’re aged activities skiing oror cruising, or or if you’re aged 80ororover",
      "citation": {
       "quote": "medicalconditions, conditions, want more adventurous existing want toto dodo more adventurous activitiesororwant wantextras extrasforfor skiing cruising, if you’re aged activities skiing oror cruising, or or if you’re aged 80ororover",
       "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=3",
       "page": 3,
       "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
       "confirmed": "2026-11-05"
      }
     },
     "cruise": {
      "cover": "optional",
      "quote": "… medicalconditions, conditions, want more adventurous existing want toto dodo more adventurous activitiesororwant wantextras extrasforfor skiing cruising, if you’re aged activities skiing oror cruising, or or if you’re aged 80ororover",
      "citation": {
       "quote": "medicalconditions, conditions, want more adventurous existing want toto dodo more adventurous activitiesororwant wantextras extrasforfor skiing cruising, if you’re aged activities skiing oror cruising, or or if you’re aged 80ororover",
       "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=3",
       "page": 3,
       "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
       "confirmed": "2026-11-05"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "Increased rental vehicle insurance excess ect to eligibility criteria specified ake a claim u/cbatravelclaims Excess applies Benefits Motorcycle/Motorscooter/Quadbike Plus • Snow Extras • Cruise Extras Some of these Upgrades extend cover under the Overseas Travel Policy that would otherwise be excluded e.g",
      "citation": {
       "quote": "Increased rental vehicle insurance excess ect to eligibility criteria specified ake a claim u/cbatravelclaims Excess applies Benefits Motorcycle/Motorscooter/Quadbike Plus • Snow Extras • Cruise Extras Some of these Upgrades extend cover under the Overseas Travel Policy that would otherwise be excluded e.g",
       "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=6",
       "page": 6,
       "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "optional",
      "quote": "Conditions apply to scuba diving and to riding a motorcycle/motorscooter/quadbike",
      "citation": {
       "quote": "Conditions apply to scuba diving and to riding a motorcycle/motorscooter/quadbike",
       "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=13",
       "page": 13,
       "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": [
    {
     "gate": "age",
     "why": "a floor of 80 with no refusal around it: this is a band or a benefit that changes with age, not an eligibility ceiling",
     "quote": "… Upgrades…"
    },
    {
     "gate": "age",
     "why": "a floor of 80 with no refusal around it: this is a band or a benefit that changes with age, not an eligibility ceiling",
     "quote": "Insurances People aged 80 or over, orCard people with existing medical PO Box 2027 conditions (not automatically accepted on pages 22-24), Bank or the CommBank app, or call North Sydney NSW 2059 00 467 951 8am - 5pmfollow Mon - Fri and must the activation Australia process for an Overseas…"
    },
    {
     "gate": "age",
     "why": "a floor of 80 with no refusal around it: this is a band or a benefit that changes with age, not an eligibility ceiling",
     "quote": "Covers for people aged 80 or over • Existing medical conditions • Extension of period of cover • Increased rental vehicle insurance excess ect to eligibility criteria specified ake a claim u/cbatravelclaims Excess applies Benefits Motorcycle/Motorscooter/Quadbike Plus • Snow Extras • Cruise…"
    },
    {
     "gate": "age",
     "why": "a floor of 80 with no refusal around it: this is a band or a benefit that changes with age, not an eligibility ceiling",
     "quote": "\u0007Special conditions and restrictions that apply for people aged 80 or over • Benefit 1: Overseas Emergency Medical Assistance If your trip involves travel to a country or part of the country the Australian Government on the smartraveller.gov.au website advises travellers to “Reconsider your need to travel” or “Do not travel”, and…"
    },
    {
     "gate": "age",
     "why": "a floor of 80 with no refusal around it: this is a band or a benefit that changes with age, not an eligibility ceiling",
     "quote": "If we accept the application for the Overseas Travel Policy for people aged 80 or over Upgrade, the cardholder will need to pay us an extra premium"
    },
    {
     "gate": "age",
     "why": "a floor of 80 with no refusal around it: this is a band or a benefit that changes with age, not an eligibility ceiling",
     "quote": "People aged 80 or over and people with existing medical conditions (not automatically accepted on pages 22-24) must follow the activation process for the Overseas Travel Policy and apply for cover under Upgrades for cover under Benefits 1,2, 4 and 5"
    },
    {
     "gate": "age",
     "why": "a floor of 80 with no refusal around it: this is a band or a benefit that changes with age, not an eligibility ceiling",
     "quote": "ces 7 If you are aged 80 or over at the relevant time, cover for the following benefits will only apply to you provided you have completed a medical assessment, we have agreed to cover you and you have paid Us any premium that applies"
    }
   ]
  },
  {
   "group": "cards",
   "slug": "great-southern-bank-cards",
   "label": "Great Southern Bank Platinum Credit Cards Complimentary Insurances Policy Information Booklet, effective 7 August 2024",
   "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf",
   "insurer": "Allianz Australia Insurance Limited",
   "insurer_group": "Allianz Australia Insurance Limited",
   "content_sha256": "8fa039c8b7e4b0ce7ccc4e263d0ab29d42df6bfaa3171552c74f720e40f9f694",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "residency",
    "return_ticket",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 80,
       "stated_as": "aged 81 years or over is excluded",
       "scope": "policy",
       "plan_named": null,
       "quote": "the injury, illness or death of any person who is aged 81 years or over at the time you become eligible for cover under International Travel Insurance",
       "rule": "card.age_limit",
       "citation": {
        "quote": "the injury, illness or death of any person who is aged 81 years or over at the time you become eligible for cover under International Travel Insurance",
        "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"
       }
      }
     ],
     "max_age_for_purchase": 80,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [],
     "quotes": {},
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "… any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations",
      "citation": {
       "quote": "any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations",
       "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=4",
       "page": 4,
       "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "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"
      }
     },
     "status": "read",
     "citations": []
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 120,
       "stated_as": "Up to 4 consecutive months for cardholders, their spouses and/or dependants",
       "condition": "cardholders, their spouses and/or dependants",
       "quote": "Up to 4 consecutive months for cardholders, their spouses and/or dependants",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Up to 4 consecutive months for cardholders, their spouses and/or dependants",
        "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"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 26,
     "stated_as": "26th week of your pregnancy",
     "quote": "the period 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)",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "the period 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=13",
      "page": 13,
      "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
      "confirmed": "2026-11-05"
     }
    },
    "pre_existing": {
     "cover": "see_document",
     "quote": "pre-existing medical condition a condition of which a reasonable person in the circumstances, should have been aware at the time eligibility for the cover available was met, including: • any dental condition",
     "rule": "card.pre_existing",
     "citation": {
      "quote": "pre-existing medical condition a condition of which a reasonable person in the circumstances, should have been aware at the time eligibility for the cover available was met, including: • any dental condition",
      "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=8",
      "page": 8,
      "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "residency": {
     "required": true,
     "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
     "rule": "card.residency",
     "citation": {
      "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
      "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=10",
      "page": 10,
      "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before you leave Australia",
     "rule": "card.return_ticket",
     "citation": {
      "quote": "you have a return overseas travel ticket before you leave Australia",
      "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=10",
      "page": 10,
      "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "activity": {
     "snow_sports": {
      "cover": "excluded",
      "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"
      }
     },
     "cruise": {
      "cover": "mentioned",
      "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.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"
      }
     },
     "motorcycle": {
      "cover": "excluded",
      "quote": "boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
      "citation": {
       "quote": "boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
       "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=6",
       "page": 6,
       "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "mentioned",
      "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"
      }
     }
    }
   },
   "review": []
  },
  {
   "group": "cards",
   "slug": "hsbc-cards",
   "label": "HSBC Personal Cards Complimentary Insurance Terms and Conditions, effective 26 March 2025",
   "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf",
   "insurer": "Allianz Australia Insurance Limited",
   "insurer_group": "Allianz Australia Insurance Limited",
   "content_sha256": "2582039beed34477816b488967f7b647a7b7ace19974b24c42ede6b5cfd77d9b",
   "gates_carried_from_the_card_reader": [
    "pre_existing",
    "residency",
    "return_ticket",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [],
     "max_age_for_purchase": null,
     "status": "not_stated"
    },
    "destination": {
     "countries_named_and_excluded": [],
     "quotes": {},
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "… any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations",
      "citation": {
       "quote": "any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations",
       "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=5",
       "page": 5,
       "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "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"
      }
     },
     "status": "read",
     "citations": []
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 120,
       "stated_as": "Up to 4 consecutive months for cardholders, their spouse and/or dependants",
       "condition": "cardholders, their spouse and/or dependants",
       "quote": "Up to 4 consecutive months for cardholders, their spouse and/or dependants",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Up to 4 consecutive months for cardholders, their spouse and/or dependants",
        "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=10",
        "page": 10,
        "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 26,
     "stated_as": "26th week of your pregnancy",
     "quote": "\u0007after 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)",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "\u0007after 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.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"
     }
    },
    "pre_existing": {
     "cover": "excluded_unless_approved",
     "quote": "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",
     "rule": "card.pre_existing",
     "citation": {
      "quote": "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"
     },
     "status": "read"
    },
    "residency": {
     "required": true,
     "quote": "you permanently reside in Australia or are the holder of a visa issued under the Migration Act 1958 (Cth) which entitles you to residency",
     "rule": "card.residency",
     "citation": {
      "quote": "you permanently reside in Australia or are the holder of a visa issued under the Migration Act 1958 (Cth) which entitles you to residency",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=10",
      "page": 10,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before leaving Australia",
     "rule": "card.return_ticket",
     "citation": {
      "quote": "you have a return overseas travel ticket before leaving Australia",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=10",
      "page": 10,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "activity": {
     "snow_sports": {
      "cover": "excluded",
      "quote": "S \u0007 kiing and snowboarding but not including off-piste skiing, off-piste snowboarding, or snowmobiling",
      "citation": {
       "quote": "S \u0007 kiing and snowboarding but not including off-piste skiing, off-piste snowboarding, or snowmobiling",
       "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"
      }
     },
     "cruise": {
      "cover": "mentioned",
      "quote": "… disaster overseas pre-existing medical condition outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters",
      "citation": {
       "quote": "disaster overseas pre-existing medical condition outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters",
       "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"
      }
     },
     "motorcycle": {
      "cover": "excluded",
      "quote": "\u0007boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
      "citation": {
       "quote": "\u0007boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
       "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=7",
       "page": 7,
       "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "mentioned",
      "quote": "s\u0007 cuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor",
      "citation": {
       "quote": "s\u0007 cuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor",
       "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"
      }
     }
    }
   },
   "review": []
  },
  {
   "group": "cards",
   "slug": "macquarie-black",
   "label": "Macquarie Black Credit Card Insurance Terms and Conditions",
   "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf",
   "insurer": "Chubb Insurance Australia Limited",
   "insurer_group": "Chubb Insurance Australia Limited",
   "content_sha256": "42ca62bf033f0c1a2e38401a66a8fa3325e4765415c1cdd227cbc7d08c7c5d28",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "residency",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 85,
       "stated_as": "85 years of age or younger",
       "scope": "policy",
       "plan_named": null,
       "quote": "who are eighty-five (85) years of age or younger at the time You make Your Relevant Travel Purchase and who need cover for Overseas Medical Emergency Expenses Cover",
       "rule": "card.age_limit",
       "citation": {
        "quote": "who are eighty-five (85) years of age or younger at the time You make Your Relevant Travel Purchase and who need cover for Overseas Medical Emergency Expenses Cover",
        "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=5",
        "page": 5,
        "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": 85,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [],
     "quotes": {},
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "61 Sanctions…",
      "citation": {
       "quote": "61 Sanctions",
       "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=2",
       "page": 2,
       "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "Check the travel advice issued by Department of Foreign Affairs and Trade (DFAT) for Your travel destination and the countries You plan to visit on Your Trip",
      "citation": {
       "quote": "Check the travel advice issued by Department of Foreign Affairs and Trade (DFAT) for Your travel destination and the countries You plan to visit on Your Trip",
       "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=3",
       "page": 3,
       "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
       "confirmed": "2026-11-05"
      }
     },
     "status": "read",
     "citations": []
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 14,
       "stated_as": "Fourteen (14) consecutive days for a Domestic Return Trip",
       "condition": "a Domestic Return Trip",
       "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
        "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=5",
        "page": 5,
        "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 90,
       "stated_as": "Ninety (90) consecutive days for an Overseas Return Trip",
       "condition": "an Overseas Return Trip",
       "quote": "Ninety (90) consecutive days for an Overseas Return Trip",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Ninety (90) consecutive days for an Overseas Return Trip",
        "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=5",
        "page": 5,
        "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "status": "not_stated"
    },
    "pre_existing": {
     "cover": "excluded",
     "quote": "This Policy does not cover any Pre-Existing Medical Conditions under Sections A – K below",
     "rule": "card.pre_existing",
     "citation": {
      "quote": "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"
     },
     "status": "read"
    },
    "residency": {
     "required": true,
     "quote": "who are a Resident of Australia",
     "rule": "card.residency",
     "citation": {
      "quote": "who are a Resident of Australia",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=5",
      "page": 5,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "return_ticket": {
     "required": true,
     "quote": "… may need to provide evidence of Your intention to return to Your Home or Your Work where reasonably possible, for example by providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates etc",
     "rule": "gate.return_ticket.stated",
     "status": "read",
     "citation": {
      "quote": "may need to provide evidence of Your intention to return to Your Home or Your Work where reasonably possible, for example by providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates etc",
      "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"
     }
    },
    "activity": {
     "snow_sports": {
      "cover": "excluded",
      "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 license)",
      "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 license)",
       "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=5",
       "page": 5,
       "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
       "confirmed": "2026-11-05"
      }
     },
     "cruise": {
      "cover": "optional",
      "quote": "pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise to Your scheduled outbound destination",
      "citation": {
       "quote": "pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise to Your scheduled outbound destination",
       "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"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "It does not mean trucks, buses (except for mini buses hired for recreational purposes), trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles",
      "citation": {
       "quote": "It does not mean trucks, buses (except for mini buses hired for recreational purposes), trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles",
       "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=18",
       "page": 18,
       "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "excluded",
      "quote": "cave diving",
      "citation": {
       "quote": "cave diving",
       "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=16",
       "page": 16,
       "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": []
  },
  {
   "group": "cards",
   "slug": "macquarie-platinum",
   "label": "Macquarie Platinum Credit Card Insurance Terms and Conditions",
   "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf",
   "insurer": "Chubb Insurance Australia Limited",
   "insurer_group": "Chubb Insurance Australia Limited",
   "content_sha256": "7936dea336e65d2ac9d72d6c000a9295d2a3be753a07ff9d41e4935b93b90f8a",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "residency",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 85,
       "stated_as": "85 years of age or younger",
       "scope": "policy",
       "plan_named": null,
       "quote": "who are eighty-five (85) years of age or younger at the time You make Your Relevant Travel Purchase and who need cover for Overseas Medical Emergency Expenses Cover",
       "rule": "card.age_limit",
       "citation": {
        "quote": "who are eighty-five (85) years of age or younger at the time You make Your Relevant Travel Purchase and who need cover for Overseas Medical Emergency Expenses Cover",
        "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=5",
        "page": 5,
        "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": 85,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [],
     "quotes": {},
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "61 Sanctions…",
      "citation": {
       "quote": "61 Sanctions",
       "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=2",
       "page": 2,
       "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "Check the travel advice issued by Department of Foreign Affairs and Trade (DFAT) for Your travel destination and the countries You plan to visit on Your Trip",
      "citation": {
       "quote": "Check the travel advice issued by Department of Foreign Affairs and Trade (DFAT) for Your travel destination and the countries You plan to visit on Your Trip",
       "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=3",
       "page": 3,
       "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207",
       "confirmed": "2026-11-05"
      }
     },
     "status": "read",
     "citations": []
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 14,
       "stated_as": "Fourteen (14) consecutive days for a Domestic Return Trip",
       "condition": "a Domestic Return Trip",
       "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
        "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=5",
        "page": 5,
        "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 90,
       "stated_as": "Ninety (90) consecutive days for an Overseas Return Trip",
       "condition": "an Overseas Return Trip",
       "quote": "Ninety (90) consecutive days for an Overseas Return Trip",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Ninety (90) consecutive days for an Overseas Return Trip",
        "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=5",
        "page": 5,
        "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "status": "not_stated"
    },
    "pre_existing": {
     "cover": "excluded",
     "quote": "This Policy does not cover any Pre-Existing Medical Conditions under Sections A – K below",
     "rule": "card.pre_existing",
     "citation": {
      "quote": "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"
     },
     "status": "read"
    },
    "residency": {
     "required": true,
     "quote": "who are a Resident of Australia",
     "rule": "card.residency",
     "citation": {
      "quote": "who are a Resident of Australia",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=5",
      "page": 5,
      "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "return_ticket": {
     "required": true,
     "quote": "… may need to provide evidence of Your intention to return to Your Home or Your Work where reasonably possible, for example by providing copies of a return ticket, itinerary or schedule, return transfer or Macquarie Group Limited Chubb considers it important for customers to take insurance fraud seriously",
     "rule": "gate.return_ticket.stated",
     "status": "read",
     "citation": {
      "quote": "may need to provide evidence of Your intention to return to Your Home or Your Work where reasonably possible, for example by providing copies of a return ticket, itinerary or schedule, return transfer or Macquarie Group Limited Chubb considers it important for customers to take insurance fraud seriously",
      "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"
     }
    },
    "activity": {
     "snow_sports": {
      "cover": "excluded",
      "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 license)",
      "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 license)",
       "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=5",
       "page": 5,
       "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207",
       "confirmed": "2026-11-05"
      }
     },
     "cruise": {
      "cover": "optional",
      "quote": "pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise to Your scheduled outbound destination",
      "citation": {
       "quote": "pay the full amount of Your outbound ticket for Your Scheduled Flight or Scheduled Cruise to Your scheduled outbound destination",
       "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"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "It does not mean trucks, buses (except for mini buses hired for recreational purposes), trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles",
      "citation": {
       "quote": "It does not mean trucks, buses (except for mini buses hired for recreational purposes), trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles",
       "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=18",
       "page": 18,
       "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "excluded",
      "quote": "cave diving",
      "citation": {
       "quote": "cave diving",
       "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=16",
       "page": 16,
       "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": []
  },
  {
   "group": "cards",
   "slug": "mycard-cards",
   "label": "MyCard Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026",
   "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf",
   "insurer": "Allianz Australia Insurance Limited",
   "insurer_group": "Allianz Australia Insurance Limited",
   "content_sha256": "f2f3611b0f5bb356a531cffc4c7c6375089d6859b2493ccdef601a58d070c2c1",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "residency",
    "return_ticket",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 80,
       "stated_as": "aged under 81 years",
       "scope": "policy",
       "plan_named": null,
       "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
       "rule": "card.age_limit",
       "citation": {
        "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
        "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=11",
        "page": 11,
        "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": 80,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [],
     "quotes": {},
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "… any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations",
      "citation": {
       "quote": "any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations",
       "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=5",
       "page": 5,
       "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "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"
      }
     },
     "status": "read",
     "citations": []
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 180,
       "stated_as": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "condition": "cardholders, their spouses and/or dependants",
       "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
        "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=11",
        "page": 11,
        "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 26,
     "stated_as": "26th week of your pregnancy",
     "quote": "\u0007the period 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)",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "\u0007the period 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.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"
     }
    },
    "pre_existing": {
     "cover": "excluded_unless_approved",
     "quote": "No cover is available for any claims arising from, related to or associated with any 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",
     "rule": "card.pre_existing",
     "citation": {
      "quote": "No cover is available for any claims arising from, related to or associated with any 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.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=17",
      "page": 17,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "residency": {
     "required": true,
     "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
     "rule": "card.residency",
     "citation": {
      "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=11",
      "page": 11,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before leaving Australia",
     "rule": "card.return_ticket",
     "citation": {
      "quote": "you have a return overseas travel ticket before leaving Australia",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=11",
      "page": 11,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "activity": {
     "snow_sports": {
      "cover": "excluded",
      "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.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"
      }
     },
     "cruise": {
      "cover": "mentioned",
      "quote": "overseas means outside of Australia and its territories and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters",
      "citation": {
       "quote": "overseas means outside of Australia and its territories and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters",
       "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"
      }
     },
     "motorcycle": {
      "cover": "excluded",
      "quote": "\u0007boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
      "citation": {
       "quote": "\u0007boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
       "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=7",
       "page": 7,
       "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "mentioned",
      "quote": "\u0007scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor",
      "citation": {
       "quote": "\u0007scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor",
       "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"
      }
     }
    }
   },
   "review": []
  },
  {
   "group": "cards",
   "slug": "nab-card-insurance",
   "label": "NAB Card Insurance Policy Information Booklet effective 15 May 2026",
   "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf",
   "insurer": "Allianz Australia Insurance Limited",
   "insurer_group": "Allianz Australia Insurance Limited",
   "content_sha256": "dc2f168b95cec83626e9ec29a39ca6189a934153dc978668fc492666681678ec",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "residency",
    "return_ticket",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 80,
       "stated_as": "aged under 81 years",
       "scope": "policy",
       "plan_named": null,
       "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
       "rule": "card.age_limit",
       "citation": {
        "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
        "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=22",
        "page": 22,
        "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": 80,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [],
     "quotes": {},
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "… any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations",
      "citation": {
       "quote": "any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations",
       "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=9",
       "page": 9,
       "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "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"
      }
     },
     "status": "read",
     "citations": []
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 180,
       "stated_as": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "condition": "cardholders, their spouses and/or dependants",
       "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
        "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=24",
        "page": 24,
        "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 30,
       "stated_as": "Up to thirty (30) consecutive days for cardholders, their spouses and/or dependants",
       "condition": "cardholders, their spouses and/or dependants",
       "quote": "Up to thirty (30) consecutive days for cardholders, their spouses and/or dependants",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Up to thirty (30) consecutive days for cardholders, their spouses and/or dependants",
        "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=24",
        "page": 24,
        "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 26,
     "stated_as": "26th week of your pregnancy",
     "quote": "the period 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)",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "the period 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=31",
      "page": 31,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "confirmed": "2026-11-05"
     }
    },
    "pre_existing": {
     "cover": "excluded",
     "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
     "rule": "card.pre_existing",
     "citation": {
      "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=35",
      "page": 35,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "residency": {
     "required": true,
     "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
     "rule": "card.residency",
     "citation": {
      "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=22",
      "page": 22,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before leaving Australia",
     "rule": "card.return_ticket",
     "citation": {
      "quote": "you have a return overseas travel ticket before leaving Australia",
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=22",
      "page": 22,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "activity": {
     "snow_sports": {
      "cover": "excluded",
      "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.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"
      }
     },
     "cruise": {
      "cover": "mentioned",
      "quote": "overseas means outside of Australia and its territories and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters",
      "citation": {
       "quote": "overseas means outside of Australia and its territories and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters",
       "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"
      }
     },
     "motorcycle": {
      "cover": "excluded",
      "quote": "boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
      "citation": {
       "quote": "boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
       "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=14",
       "page": 14,
       "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "mentioned",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=32",
       "page": 32,
       "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": []
  },
  {
   "group": "cards",
   "slug": "pn-bank-cards",
   "label": "P&N Bank Visa Platinum Credit Card Insurance Policy Terms and Conditions, effective 1 February 2025",
   "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf",
   "insurer": "Chubb Insurance Australia Limited",
   "insurer_group": "Chubb Insurance Australia Limited",
   "content_sha256": "72c5da19f5186d95d8357e5ab23cc6f2eb42735ae10f95d7785885b9f3f181dc",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "residency",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 79,
       "stated_as": "79 years of age or younger",
       "scope": "policy",
       "plan_named": null,
       "quote": "who are seventy-nine (79) years of age or younger when making a Relevant Travel Purchase",
       "rule": "card.age_limit",
       "citation": {
        "quote": "who are seventy-nine (79) years of age or younger when making a Relevant Travel Purchase",
        "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=5",
        "page": 5,
        "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": 79,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [],
     "quotes": {},
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "… Dispute Resolution 36 Chubb Assistance (In the event of an Emergency) 9 General Insurance Code of Practice 36 Eligibility for Insurance Table 10 Sanctions 36 Definitions 11 Coverage Summary 15 Schedule of Benefits 19 Section A - Trip Cancellation and Amendment Cover 21 Section B - Overseas Medical Emergency Expenses Cover 22 Section C - Accidental Death Cover 24 Section D - Public Transport Accident Cover 24…",
      "citation": {
       "quote": "Dispute Resolution 36 Chubb Assistance (In the event of an Emergency) 9 General Insurance Code of Practice 36 Eligibility for Insurance Table 10 Sanctions 36 Definitions 11 Coverage Summary 15 Schedule of Benefits 19 Section A - Trip Cancellation and Amendment Cover 21 Section B - Overseas Medical Emergency Expenses Cover 22 Section C - Accidental Death Cover 24 Section D - Public Transport Accident Cover 24",
       "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=3",
       "page": 3,
       "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "Check the travel advice issued by Department of Foreign Affairs and Trade (DFAT) at https://www.smarttraveller.gov.au/ for Your travel destination and the countries You plan to visit on Your Trip",
      "citation": {
       "quote": "Check the travel advice issued by Department of Foreign Affairs and Trade (DFAT) at https://www.smarttraveller.gov.au/ for Your travel destination and the countries You plan to visit on Your Trip",
       "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=4",
       "page": 4,
       "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
       "confirmed": "2026-11-05"
      }
     },
     "status": "read",
     "citations": []
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 14,
       "stated_as": "Fourteen (14) consecutive days for a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip",
       "condition": "a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip",
       "quote": "Fourteen (14) consecutive days for a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Fourteen (14) consecutive days for a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip",
        "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=5",
        "page": 5,
        "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 180,
       "stated_as": "eighty (180) consecutive days for an Overseas Return Trip",
       "condition": "an Overseas Return Trip",
       "quote": "eighty (180) consecutive days for an Overseas Return Trip",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "eighty (180) consecutive days for an Overseas Return Trip",
        "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=5",
        "page": 5,
        "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 23,
     "stated_as": "23rd week of Your pregnancy",
     "quote": "(c) Your pregnancy, if after the end of the 23rd week of Your pregnancy",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "(c) Your pregnancy, if after the end of the 23rd week of Your 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"
     }
    },
    "pre_existing": {
     "cover": "excluded",
     "quote": "Pre-Existing Medical Conditions This policy does not cover any Pre-Existing Medical Conditions under Sections A – L (below)",
     "rule": "card.pre_existing",
     "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"
     },
     "status": "read"
    },
    "residency": {
     "required": true,
     "quote": "who are a Resident of Australia",
     "rule": "card.residency",
     "citation": {
      "quote": "who are a Resident of Australia",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "return_ticket": {
     "required": true,
     "quote": "Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return-to-Work dates",
     "rule": "gate.return_ticket.stated",
     "status": "read",
     "citation": {
      "quote": "Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return-to-Work dates",
      "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"
     }
    },
    "activity": {
     "snow_sports": {
      "cover": "excluded",
      "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 license)",
      "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 license)",
       "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=5",
       "page": 5,
       "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
       "confirmed": "2026-11-05"
      }
     },
     "cruise": {
      "cover": "mentioned",
      "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"
      }
     },
     "motorcycle": {
      "cover": "excluded",
      "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 license)",
      "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 license)",
       "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=5",
       "page": 5,
       "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "excluded",
      "quote": "cave diving",
      "citation": {
       "quote": "cave diving",
       "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=11",
       "page": 11,
       "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": []
  },
  {
   "group": "cards",
   "slug": "qantas-money-platinum",
   "label": "Qantas Money Credit Card Complimentary Travel Insurance Terms and Conditions, effective 8 September 2025",
   "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf",
   "insurer": "Chubb Insurance Australia Limited",
   "insurer_group": "Chubb Insurance Australia Limited",
   "content_sha256": "537094cd7a7c2f1699bb5a8f53b01a40712971827a1c87996da42e60534003e3",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "residency",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 79,
       "stated_as": "79 years of age or younger",
       "scope": "policy",
       "plan_named": null,
       "quote": "– who are 79 years of age or younger when making a Relevant Travel Purchase",
       "rule": "card.age_limit",
       "citation": {
        "quote": "– who are 79 years of age or younger when making a Relevant Travel Purchase",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=4",
        "page": 4,
        "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": 79,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [],
     "quotes": {},
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "95 Sanctions",
      "citation": {
       "quote": "95 Sanctions",
       "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=2",
       "page": 2,
       "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "Confirm whether you meet the eligibility criteria before going on a Trip \b Check the travel advice issued by Department of Foreign Affairs and Trade (DFAT) for your travel destination and the countries you plan to visit on your Trip Pack a sufficient supply of your regular medications in your carry-on luggage",
      "citation": {
       "quote": "Confirm whether you meet the eligibility criteria before going on a Trip \b Check the travel advice issued by Department of Foreign Affairs and Trade (DFAT) for your travel destination and the countries you plan to visit on your Trip Pack a sufficient supply of your regular medications in your carry-on luggage",
       "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=2",
       "page": 2,
       "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14",
       "confirmed": "2026-11-05"
      }
     },
     "status": "read",
     "citations": []
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 30,
       "stated_as": "30 consecutive days for Overseas Return Trips",
       "condition": "Overseas Return Trips",
       "quote": "30 consecutive days for Overseas Return Trips",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "30 consecutive days for Overseas Return Trips",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=4",
        "page": 4,
        "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 14,
       "stated_as": "14 consecutive days for Domestic Return Trips",
       "condition": "Domestic Return Trips",
       "quote": "14 consecutive days for Domestic Return Trips",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "14 consecutive days for Domestic Return Trips",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=4",
        "page": 4,
        "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 23,
     "stated_as": "23rd week of your pregnancy",
     "quote": "… Overseas Return Trip, if you have a pregnancy related Medical Emergency resulting from an Injury or Illness which: (a) \u0007occurs before the end of the 23rd week of your pregnancy",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "Overseas Return Trip, if you have a pregnancy related Medical Emergency resulting from an Injury or Illness which: (a) \u0007occurs before 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"
     }
    },
    "pre_existing": {
     "cover": "excluded",
     "quote": "Pre-Existing Medical Conditions This Policy does not cover any Pre-Existing Medical Conditions under Sections A – I below",
     "rule": "card.pre_existing",
     "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"
     },
     "status": "read"
    },
    "residency": {
     "required": true,
     "quote": "– who are a Resident of Australia",
     "rule": "card.residency",
     "citation": {
      "quote": "– who are a Resident of Australia",
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=4",
      "page": 4,
      "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "return_ticket": {
     "required": true,
     "quote": "Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates",
     "rule": "gate.return_ticket.stated",
     "status": "read",
     "citation": {
      "quote": "Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates",
      "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"
     }
    },
    "activity": {
     "snow_sports": {
      "cover": "excluded",
      "quote": "Some things you might consider doing whilst travelling might be dangerous and 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 dangerous and not covered (for example, jet skiing, bungee jumping or hiring a scooter if you don’t have a motorcycle licence)",
       "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=4",
       "page": 4,
       "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14",
       "confirmed": "2026-11-05"
      }
     },
     "cruise": {
      "cover": "excluded",
      "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"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "It does not mean trucks, mini buses, buses, trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles",
      "citation": {
       "quote": "It does not mean 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=16",
       "page": 16,
       "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "excluded",
      "quote": "cave diving",
      "citation": {
       "quote": "cave diving",
       "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=13",
       "page": 13,
       "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": []
  },
  {
   "group": "cards",
   "slug": "qantas-money-titanium",
   "label": "Qantas Money Titanium Credit Card Complimentary Insurance Terms and Conditions, effective 8 September 2025",
   "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf",
   "insurer": "Chubb Insurance Australia Limited",
   "insurer_group": "Chubb Insurance Australia Limited",
   "content_sha256": "ec05c098533052bb02b11b4258250e47e0703e31c09f690ba10276738886f89a",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "residency",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 79,
       "stated_as": "79 years of age or younger",
       "scope": "policy",
       "plan_named": null,
       "quote": "– who are 79 years of age or younger when making a Relevant Travel Purchase",
       "rule": "card.age_limit",
       "citation": {
        "quote": "– who are 79 years of age or younger when making a Relevant Travel Purchase",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=7",
        "page": 7,
        "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": 79,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [],
     "quotes": {},
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "\u0007 79 Sanctions",
      "citation": {
       "quote": "\u0007 79 Sanctions",
       "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=3",
       "page": 3,
       "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "Confirm whether you meet the eligibility criteria before going on a Trip Check the travel advice issued by Department of Foreign Affairs and Trade (DFAT) for your travel destination and the countries you plan to visit on your Trip Pack a sufficient supply of your regular medications in your carry-on luggage",
      "citation": {
       "quote": "Confirm whether you meet the eligibility criteria before going on a Trip Check the travel advice issued by Department of Foreign Affairs and Trade (DFAT) for your travel destination and the countries you plan to visit on your Trip Pack a sufficient supply of your regular medications in your carry-on luggage",
       "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=4",
       "page": 4,
       "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0",
       "confirmed": "2026-11-05"
      }
     },
     "status": "read",
     "citations": []
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 180,
       "stated_as": "180 consecutive days for Overseas Return Trips",
       "condition": "Overseas Return Trips",
       "quote": "180 consecutive days for Overseas Return Trips",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "180 consecutive days for Overseas Return Trips",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=7",
        "page": 7,
        "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 14,
       "stated_as": "14 consecutive days for Domestic Return Trips",
       "condition": "Domestic Return Trips",
       "quote": "14 consecutive days for Domestic Return Trips",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "14 consecutive days for Domestic Return Trips",
        "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=7",
        "page": 7,
        "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 23,
     "stated_as": "23rd week of your pregnancy",
     "quote": "… and Amendment Cover if you have an Injury or unforeseen Illness arising from or relating to your pregnancy, that occurs before the end of the 23rd week of your pregnancy and which: 2",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "and Amendment Cover if you have an Injury or unforeseen Illness arising from or relating to your pregnancy, that occurs before the end of the 23rd week of your pregnancy and which: 2",
      "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"
     }
    },
    "pre_existing": {
     "cover": "excluded",
     "quote": "This Policy does not cover any PreExisting Medical Conditions under Sections A-K below",
     "rule": "card.pre_existing",
     "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"
     },
     "status": "read"
    },
    "residency": {
     "required": true,
     "quote": "– who are a Resident of Australia",
     "rule": "card.residency",
     "citation": {
      "quote": "– who are a Resident of Australia",
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=7",
      "page": 7,
      "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "return_ticket": {
     "required": true,
     "quote": "Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates",
     "rule": "gate.return_ticket.stated",
     "status": "read",
     "citation": {
      "quote": "Such evidence may include providing copies of a return ticket, itinerary or schedule, return transfer or accommodation bookings, confirmation of return to Work dates",
      "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"
     }
    },
    "activity": {
     "snow_sports": {
      "cover": "excluded",
      "quote": "Some things you might consider doing whilst travelling might be dangerous and 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 dangerous and not covered (for example, jet skiing, bungee jumping or hiring a scooter if you don’t have a motorcycle licence)",
       "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=7",
       "page": 7,
       "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0",
       "confirmed": "2026-11-05"
      }
     },
     "cruise": {
      "cover": "optional",
      "quote": "or \u0007 (b) \u0007pay the full amount of a return Scheduled Flight or Scheduled Cruise ticket for each Covered Person, 2",
      "citation": {
       "quote": "or \u0007 (b) \u0007pay the full amount of a return Scheduled Flight or Scheduled Cruise ticket for each Covered Person, 2",
       "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=23",
       "page": 23,
       "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0",
       "confirmed": "2026-11-05"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "It does not mean trucks, mini buses, buses, trailers, caravans, campervans, motorcycles, mopeds, motorbikes, motor homes, scooters or bicycles",
      "citation": {
       "quote": "It does not mean 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_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=23",
       "page": 23,
       "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "excluded",
      "quote": "cave diving",
      "citation": {
       "quote": "cave diving",
       "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=19",
       "page": 19,
       "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": []
  },
  {
   "group": "cards",
   "slug": "stgeorge-cards",
   "label": "St.George Credit Cards Complimentary Insurance Policy Information Booklet",
   "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
   "insurer": "Allianz Australia Insurance Limited",
   "insurer_group": "Allianz Australia Insurance Limited",
   "content_sha256": "ebcb79856e5fd69b433698cf86c658ac3536ee87dcd30f185213c123e2da99f9",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "residency",
    "return_ticket",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 80,
       "stated_as": "aged under 81 years",
       "scope": "policy",
       "plan_named": null,
       "quote": "International Travel Insurance (for persons aged under 81 years) \b…",
       "rule": "card.age_limit",
       "citation": {
        "quote": "International Travel Insurance (for persons aged under 81 years) \b",
        "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=5",
        "page": 5,
        "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": 80,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [
      "Somalia"
     ],
     "quotes": {
      "Somalia": "… extent permitted by law we will not pay if you are kidnapped in the countries or territorial waters of the United Mexican States, the Philippines, Somalia or in any country (or their territorial waters) located in Central America or South America, south of the border between the United Mexican States and the United States of America"
     },
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "… the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America",
      "citation": {
       "quote": "the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America",
       "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=10",
       "page": 10,
       "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "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"
      }
     },
     "status": "read",
     "citations": [
      {
       "quote": "extent permitted by law we will not pay if you are kidnapped in the countries or territorial waters of the United Mexican States, the Philippines, Somalia or in any country (or their territorial waters) located in Central America or South America, south of the border between the United Mexican States and the United States of America",
       "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=56",
       "page": 56,
       "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
       "confirmed": "2026-11-05"
      }
     ]
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 180,
       "stated_as": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "condition": "cardholders, their spouses and/or dependants",
       "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
        "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"
       }
      },
      {
       "max_days": 90,
       "stated_as": "Up to three (3) consecutive months for cardholders, their spouses and/or dependants",
       "condition": "cardholders, their spouses and/or dependants",
       "quote": "Up to three (3) consecutive months for cardholders, their spouses and/or dependants",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Up to three (3) consecutive months for cardholders, their spouses and/or dependants",
        "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"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 26,
     "stated_as": "26th week of your pregnancy",
     "quote": "… because such travel would be unsafe for your health or the health of your unborn child however: − no cover is available beyond 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)",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "because such travel would be unsafe for your health or the health of your unborn child however: − no cover is available beyond 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.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=46",
      "page": 46,
      "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
      "confirmed": "2026-11-05"
     }
    },
    "pre_existing": {
     "cover": "automatic_for_listed",
     "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
     "rule": "card.pre_existing",
     "citation": {
      "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=34",
      "page": 34,
      "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "residency": {
     "required": true,
     "quote": "you reside in Australia and your journey begins and ends in Australia",
     "rule": "card.residency",
     "citation": {
      "quote": "you reside in Australia and your journey begins and ends in Australia",
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=21",
      "page": 21,
      "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before you leave Australia",
     "rule": "card.return_ticket",
     "citation": {
      "quote": "you have a return overseas travel ticket before you leave Australia",
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=21",
      "page": 21,
      "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "activity": {
     "snow_sports": {
      "cover": "mentioned",
      "quote": "… pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, offpiste snow skiing, off-piste snowboarding, snowmobiling or any other similar activity",
      "citation": {
       "quote": "pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, offpiste snow skiing, off-piste snowboarding, snowmobiling or any other similar activity",
       "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"
      }
     },
     "cruise": {
      "cover": "mentioned",
      "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.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"
      }
     },
     "motorcycle": {
      "cover": "excluded",
      "quote": "boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
      "citation": {
       "quote": "boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
       "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=14",
       "page": 14,
       "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "mentioned",
      "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"
      }
     }
    }
   },
   "review": []
  },
  {
   "group": "cards",
   "slug": "virgin-money-cards",
   "label": "Virgin Money Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026",
   "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf",
   "insurer": "Allianz Australia Insurance Limited",
   "insurer_group": "Allianz Australia Insurance Limited",
   "content_sha256": "7570d3b9e3cc9efa210ee1526102c593c92ecab1bebdfa72b3e409bfdd65b99b",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "residency",
    "return_ticket",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 80,
       "stated_as": "aged under 81 years",
       "scope": "policy",
       "plan_named": null,
       "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
       "rule": "card.age_limit",
       "citation": {
        "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
        "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=20",
        "page": 20,
        "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": 80,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [],
     "quotes": {},
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "… any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations",
      "citation": {
       "quote": "any cover or benefit or pay any claim where the provision of cover or benefit or payment of claim would constitute a breach of any trade or economic sanction, embargo, prohibition or restriction imposed by any of the following: United Nations, United States of America, Australia, European Union, United Kingdom, or New Zealand, or any other applicable national trade or economic sanctions, laws or regulations",
       "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=9",
       "page": 9,
       "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "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"
      }
     },
     "status": "read",
     "citations": []
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 180,
       "stated_as": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "condition": "cardholders, their spouses and/or dependants",
       "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
        "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=21",
        "page": 21,
        "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 26,
     "stated_as": "26th week of your pregnancy",
     "quote": "the period after the end of the 26th week of your pregnancy (the 26th week of your 30 pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician)",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "the period after the end of the 26th week of your pregnancy (the 26th week of your 30 pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician)",
      "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"
     }
    },
    "pre_existing": {
     "cover": "excluded_unless_approved",
     "quote": "related to or associated with any pre-existing medical condition unless Allianz Global Assistance has confirmed in writing to you that the preexisting medical condition causing your claim is covered by the Group Policy",
     "rule": "card.pre_existing",
     "citation": {
      "quote": "related to or associated with any pre-existing medical condition unless Allianz Global Assistance has confirmed in writing to you that the preexisting medical condition causing your claim is covered by the Group Policy",
      "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=33",
      "page": 33,
      "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "residency": {
     "required": true,
     "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
     "rule": "card.residency",
     "citation": {
      "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
      "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=20",
      "page": 20,
      "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before leaving Australia",
     "rule": "card.return_ticket",
     "citation": {
      "quote": "you have a return overseas travel ticket before leaving Australia",
      "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=20",
      "page": 20,
      "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "activity": {
     "snow_sports": {
      "cover": "excluded",
      "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.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"
      }
     },
     "cruise": {
      "cover": "mentioned",
      "quote": "overseas means outside of Australia and its territories and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters",
      "citation": {
       "quote": "overseas means outside of Australia and its territories and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters",
       "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"
      }
     },
     "motorcycle": {
      "cover": "excluded",
      "quote": "boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
      "citation": {
       "quote": "boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories",
       "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=12",
       "page": 12,
       "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "mentioned",
      "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.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"
      }
     }
    }
   },
   "review": []
  },
  {
   "group": "cards",
   "slug": "westpac-cards",
   "label": "Westpac Credit Card International Travel Insurance Product Disclosure Statements",
   "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
   "insurer": "Allianz Australia Insurance Limited",
   "insurer_group": "Allianz Australia Insurance Limited",
   "content_sha256": "41d433258d75047a49e26b10fe41018448beb3bed074ddd2278ce54a49bd625d",
   "gates_carried_from_the_card_reader": [
    "age",
    "pre_existing",
    "residency",
    "return_ticket",
    "trip_length"
   ],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 80,
       "stated_as": "aged under 81 years",
       "scope": "policy",
       "plan_named": null,
       "quote": "Only available for customers aged under 81 years at the time of issue of your Certificate of Insurance",
       "rule": "card.age_limit",
       "citation": {
        "quote": "Only available for customers aged under 81 years at the time of issue of your Certificate of Insurance",
        "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=59",
        "page": 59,
        "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": 80,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [],
     "quotes": {},
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "Violation of sanctions, laws or regulations Providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) under this Complimentary International Medical Travel Insurance to the extent that the provision of such cover, payment of such…",
      "citation": {
       "quote": "Violation of sanctions, laws or regulations Providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) under this Complimentary International Medical Travel Insurance to the extent that the provision of such cover, payment of such",
       "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=41",
       "page": 41,
       "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "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"
      }
     },
     "status": "read",
     "citations": []
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 90,
       "stated_as": "Up to three (3) consecutive months for cardholders, their spouses and/ or dependants from the date you commence your journey",
       "condition": "cardholders, their spouses and/ or dependants from the date you commence your journey",
       "quote": "Up to three (3) consecutive months for cardholders, their spouses and/ or dependants from the date you commence your journey",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Up to three (3) consecutive months for cardholders, their spouses and/ or dependants from the date you commence your journey",
        "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=17",
        "page": 17,
        "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 30,
       "stated_as": "Up to one (1) month for cardholders, their spouses and/or dependants from the date you commence your journey",
       "condition": "cardholders, their spouses and/or dependants from the date you commence your journey",
       "quote": "Up to one (1) month for cardholders, their spouses and/or dependants from the date you commence your journey",
       "rule": "card.period_of_cover",
       "citation": {
        "quote": "Up to one (1) month for cardholders, their spouses and/or dependants from the date you commence your journey",
        "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=17",
        "page": 17,
        "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 24,
     "stated_as": "24th week of your pregnancy",
     "quote": "the event occurred prior to the 24th week of your pregnancy",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "the event occurred prior to the 24th week of your pregnancy",
      "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"
     }
    },
    "pre_existing": {
     "cover": "excluded",
     "quote": "PRE-EXISTING MEDICAL CONDITIONS There is no cover for any claims arising from, related to or associated with your pre-existing medical conditions under Complimentary International Medical Travel Insurance",
     "rule": "card.pre_existing",
     "citation": {
      "quote": "PRE-EXISTING MEDICAL CONDITIONS There is no cover for any claims arising from, related to or associated with your pre-existing medical conditions under Complimentary International Medical Travel Insurance",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=22",
      "page": 22,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "residency": {
     "required": true,
     "quote": "are a permanent resident of Australia",
     "rule": "card.residency",
     "citation": {
      "quote": "are a permanent resident of 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=15",
      "page": 15,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05"
     },
     "status": "read"
    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before leaving Australia",
     "rule": "card.return_ticket",
     "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"
     },
     "status": "read"
    },
    "activity": {
     "snow_sports": {
      "cover": "optional",
      "quote": "… you will also have access to purchase Optional Covers including cover for pre-existing medical conditions and activities such as cruising and snow sports",
      "citation": {
       "quote": "you will also have access to purchase Optional Covers including cover for pre-existing medical conditions and activities such as cruising and snow sports",
       "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=9",
       "page": 9,
       "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
       "confirmed": "2026-11-05"
      }
     },
     "cruise": {
      "cover": "optional",
      "quote": "… Covers Complimentary International Medical Travel Insurance Comprehensive International Travel Insurance + \u0007Pre-Existing Medical Conditions cover + Cruise Pack + Snow Pack + Adventure Pack + \u0007Increased Item Limits Cover + \u0007E xtension of trip duration + \u0007Cover for persons aged 81 years or over Eligible cards LEVEL 1 CARDS • Altitude Black Mastercard • Altitude Qantas Black Mastercard • Altitude Velocity Black…",
      "citation": {
       "quote": "Covers Complimentary International Medical Travel Insurance Comprehensive International Travel Insurance + \u0007Pre-Existing Medical Conditions cover + Cruise Pack + Snow Pack + Adventure Pack + \u0007Increased Item Limits Cover + \u0007E xtension of trip duration + \u0007Cover for persons aged 81 years or over Eligible cards LEVEL 1 CARDS • Altitude Black Mastercard • Altitude Qantas Black Mastercard • Altitude Velocity Black",
       "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=7",
       "page": 7,
       "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
       "confirmed": "2026-11-05"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "Riding a motorcycle, moped or motorised scooter Additional activities including cover for some of the activities listed above are available in our Optional Covers section, if you purchase Comprehensive International Travel Insurance and the relevant pack",
      "citation": {
       "quote": "Riding a motorcycle, moped or motorised scooter Additional activities including cover for some of the activities listed above are available in our Optional Covers section, if you purchase Comprehensive International Travel Insurance and the relevant 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=26",
       "page": 26,
       "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "optional",
      "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"
      }
     }
    }
   },
   "review": [
    {
     "gate": "age",
     "why": "a floor of 81 with no refusal around it: this is a band or a benefit that changes with age, not an eligibility ceiling",
     "quote": "… Conditions cover + Cruise Pack + Snow Pack + Adventure Pack + \u0007Increased Item Limits Cover + \u0007E xtension of trip duration + \u0007Cover for persons aged 81 years or over Eligible cards LEVEL 1 CARDS • Altitude Black Mastercard • Altitude Qantas Black Mastercard • Altitude Velocity Black Mastercard • Low Fee Platinum Mastercard This includes a Westpac PartPay Card that is linked to a current and valid Level 1 Card"
    },
    {
     "gate": "age",
     "why": "a floor of 81 with no refusal around it: this is a band or a benefit that changes with age, not an eligibility ceiling",
     "quote": "Cardholders and spouses aged 81 years or over can consider purchasing a Comprehensive International Travel Insurance"
    },
    {
     "gate": "age",
     "why": "a floor of 81 with no refusal around it: this is a band or a benefit that changes with age, not an eligibility ceiling",
     "quote": "Cardholders and spouses aged 81 years or over can consider purchasing a Comprehensive International Travel Insurance"
    }
   ]
  },
  {
   "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",
   "insurer": "Zurich Australian Insurance Limited",
   "insurer_group": "Zurich Australian Insurance Limited",
   "content_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795",
   "gates_carried_from_the_card_reader": [],
   "gates": {
    "age": {
     "gates": [],
     "max_age_for_purchase": null,
     "status": "not_stated"
    },
    "destination": {
     "countries_named_and_excluded": [
      "Crimea",
      "Cuba",
      "Donetsk",
      "Iran",
      "Luhansk",
      "North Korea",
      "Syria",
      "Ukraine"
     ],
     "quotes": {
      "Crimea": "… 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",
      "Cuba": "\u0007claims 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",
      "Donetsk": "… 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",
      "Iran": "\u0007claims 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",
      "Luhansk": "… 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",
      "North Korea": "… 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",
      "Syria": "\u0007claims 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",
      "Ukraine": "… 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"
     },
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "Sanctions Regulation \u0007Notwithstanding any other terms or conditions under this policy, We shall not be deemed to provide coverage and will not make any payments nor provide any service or benefit to You or any other party to the extent that such cover, payment,…",
      "citation": {
       "quote": "Sanctions Regulation \u0007Notwithstanding any other terms or conditions under this policy, We shall not be deemed to provide coverage and will not make any payments nor provide any service or benefit to You or any other party to the extent that such cover, payment,",
       "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"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "c) \u0007If Your trip involves travel to a country or part of a country the Australian Government on the smartraveller.gov.au website* has issued a “Reconsider your need to travel” or “Do not travel” advice or warning, We may not be able to provide You with emergency assistance in that country",
      "citation": {
       "quote": "c) \u0007If Your trip involves travel to a country or part of a country the Australian Government on the smartraveller.gov.au website* has issued a “Reconsider your need to travel” or “Do not travel” advice or warning, We may not be able to provide You with emergency assistance in that country",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=24",
       "page": 24,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      }
     },
     "status": "read",
     "citations": [
      {
       "quote": "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://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=42",
       "page": 42,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "\u0007claims 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://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=42",
       "page": 42,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=42",
       "page": 42,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "\u0007claims 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://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=42",
       "page": 42,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=42",
       "page": 42,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=42",
       "page": 42,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "\u0007claims 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://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=42",
       "page": 42,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=42",
       "page": 42,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      }
     ]
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 360,
       "stated_as": "not exceed 12 months",
       "condition": null,
       "quote": "Single Trip or Annual Multi-Trip Single Trip or Annual Multi-Trip #\u0007 Cover will not exceed 12 months from onset of the illness or injury",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "Single Trip or Annual Multi-Trip Single Trip or Annual Multi-Trip #\u0007 Cover will not exceed 12 months from onset of the illness or injury",
        "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=4",
        "page": 4,
        "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "maximum overall period for Worldwide cover is 12 months",
       "condition": null,
       "quote": "For example, the maximum overall period for Worldwide cover is 12 months in total.\u0007 Safety of Your belongings and limits to the cover • \u0007If You can’t return Home on Your original date due to an unforeseeable circumstance outside Your control, the policy will automatically extend",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "For example, the maximum overall period for Worldwide cover is 12 months in total.\u0007 Safety of Your belongings and limits to the cover • \u0007If You can’t return Home on Your original date due to an unforeseeable circumstance outside Your control, the policy will automatically extend",
        "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=7",
        "page": 7,
        "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "maximum of 12 months",
       "condition": null,
       "quote": "Cover applies for a maximum of 12 months from the date of suffering the Disabling Injury, Sickness or Disease",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "Cover applies for a maximum of 12 months from the date of suffering the Disabling Injury, Sickness or Disease",
        "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=26",
        "page": 26,
        "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "not exceed 12 months",
       "condition": null,
       "quote": "… The maximum benefit limit for this section is: Comprehensive Plan: $Unlimited~ Basic Plan: $Unlimited~ Domestic Plan: No Cover ~ Cover will not exceed 12 months from onset of the illness",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "The maximum benefit limit for this section is: Comprehensive Plan: $Unlimited~ Basic Plan: $Unlimited~ Domestic Plan: No Cover ~ Cover will not exceed 12 months from onset of the illness",
        "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"
       }
      },
      {
       "max_days": 21,
       "stated_as": "Up to 21 days",
       "condition": null,
       "quote": "94 To find out more: call 1300 728 015 | auspost.com.au/travelinsurance 95  Money Back Cooling-Off Period (Up to 21 days from purchase",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "94 To find out more: call 1300 728 015 | auspost.com.au/travelinsurance 95  Money Back Cooling-Off Period (Up to 21 days from purchase",
        "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=48",
        "page": 48,
        "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": 360,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 24,
     "stated_as": "24th week of pregnancy",
     "quote": "\u0007Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "\u0007Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e",
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=15",
      "page": 15,
      "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
      "confirmed": "2026-11-05"
     }
    },
    "pre_existing": {
     "cover": "assessable",
     "quote": "\u0007 Australia Post Travel Insurance PO Box 168 North Sydney NSW 2060 Existing Medical Conditions 1300 728 015 auspost-assessments@travelinsurancepartners.com.au \u0007 Australia Post Travel Insurance PO Box 168 North Sydney NSW 2060 24 Hour Emergency Assistance See page 31",
     "mentions": 48,
     "term_used": "existing or pre-existing condition",
     "rule": "gate.pre_existing.assessable",
     "status": "read",
     "citation": {
      "quote": "\u0007 Australia Post Travel Insurance PO Box 168 North Sydney NSW 2060 Existing Medical Conditions 1300 728 015 auspost-assessments@travelinsurancepartners.com.au \u0007 Australia Post Travel Insurance PO Box 168 North Sydney NSW 2060 24 Hour Emergency Assistance See page 31",
      "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"
     }
    },
    "residency": {
     "required": true,
     "quote": "\u0007You are a resident of Australia with a valid Australian Medicare card or currently living in Australia with a visa allowing You to live, work or study in Australia",
     "rule": "gate.residency.stated",
     "status": "read",
     "citation": {
      "quote": "\u0007You are a resident of Australia with a valid Australian Medicare card or currently living in Australia with a visa allowing You to live, work or study in Australia",
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=20",
      "page": 20,
      "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "required": null,
     "status": "not_stated"
    },
    "activity": {
     "snow_sports": {
      "cover": "optional",
      "quote": "\u0007claims involving participation by You (during the Journey) in On-Piste snow skiing, On-Piste snowboarding or snowmobiling",
      "citation": {
       "quote": "\u0007claims involving participation by You (during the Journey) in On-Piste snow skiing, On-Piste snowboarding or snowmobiling",
       "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"
      }
     },
     "cruise": {
      "cover": "optional",
      "quote": "To find out more: call 1300 728 015 | auspost.com.au/travelinsurance 3 Cooling-off Period Cruise Cover You can cancel or change Your policy at any time before You leave Home",
      "citation": {
       "quote": "To find out more: call 1300 728 015 | auspost.com.au/travelinsurance 3 Cooling-off Period Cruise Cover You can cancel or change Your policy at any time before You leave Home",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=2",
       "page": 2,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "\u0007claims involving participation by You (during the Journey) in motorcycling for any purpose",
      "citation": {
       "quote": "\u0007claims involving participation by You (during the Journey) in motorcycling for any purpose",
       "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"
      }
     },
     "scuba": {
      "cover": "optional",
      "quote": "scuba diving unless You hold an Open Water Diving Certificate or are diving with a qualified diving instructor",
      "citation": {
       "quote": "scuba diving unless You hold an Open Water Diving Certificate or are diving with a qualified diving instructor",
       "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"
      }
     }
    }
   },
   "review": []
  },
  {
   "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",
   "insurer": "Zurich Australian Insurance Limited",
   "insurer_group": "Zurich Australian Insurance Limited",
   "content_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31",
   "gates_carried_from_the_card_reader": [],
   "gates": {
    "age": {
     "gates": [],
     "max_age_for_purchase": null,
     "status": "not_stated"
    },
    "destination": {
     "countries_named_and_excluded": [
      "Crimea",
      "Cuba",
      "Donetsk",
      "Iran",
      "Luhansk",
      "North Korea",
      "Syria",
      "Ukraine"
     ],
     "quotes": {
      "Crimea": "… 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",
      "Cuba": "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",
      "Donetsk": "… 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",
      "Iran": "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",
      "Luhansk": "… 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",
      "North Korea": "… 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",
      "Syria": "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",
      "Ukraine": "… 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"
     },
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "Sanctions regulation The maximum benefit limit for this section is: Plan Overseas dental expenses Overseas medical expenses (including emergency repatriation/evacuation) The benefits International Comprehensive $2,000 $Unlimited International Essential $1,000…",
      "citation": {
       "quote": "Sanctions regulation The maximum benefit limit for this section is: Plan Overseas dental expenses Overseas medical expenses (including emergency repatriation/evacuation) The benefits International Comprehensive $2,000 $Unlimited International Essential $1,000",
       "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"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "Page 30 of 55 PART 6: POLICY WORDING If Your trip involves travel to a country or part of a country the Australian Government on the smartraveller.gov.au website has issued a “Reconsider your need to travel” or “Do not travel” advice or warning, We may not be able to provide You with emergency assistance in that country",
      "citation": {
       "quote": "Page 30 of 55 PART 6: POLICY WORDING If Your trip involves travel to a country or part of a country the Australian Government on the smartraveller.gov.au website has issued a “Reconsider your need to travel” or “Do not travel” advice or warning, We may not be able to provide You with emergency assistance in that country",
       "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"
      }
     },
     "status": "read",
     "citations": [
      {
       "quote": "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://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=49",
       "page": 49,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      {
       "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://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=49",
       "page": 49,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=49",
       "page": 49,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      {
       "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://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=49",
       "page": 49,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=49",
       "page": 49,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      {
       "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://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=49",
       "page": 49,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      {
       "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://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=49",
       "page": 49,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=49",
       "page": 49,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      }
     ]
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 360,
       "stated_as": "not exceed 12 months",
       "condition": null,
       "quote": "… otherwise Benefit limit amount per person unless stated otherwise Overseas medical expenses (including emergency repatriation/evacuation) (Cover will not exceed 12 months from onset of the illness, condition or injury) Yes $Unlimited~ $Unlimited~ $Unlimited~ Below is a summary of the benefits provided",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "otherwise Benefit limit amount per person unless stated otherwise Overseas medical expenses (including emergency repatriation/evacuation) (Cover will not exceed 12 months from onset of the illness, condition or injury) Yes $Unlimited~ $Unlimited~ $Unlimited~ Below is a summary of the benefits provided",
        "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4",
        "page": 4,
        "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "not exceed 12 months",
       "condition": null,
       "quote": "… evacuation) On Your trip: Overseas Medical Expenses cover if You are diagnosed with COVID-19 overseas by a qualified medical practitioner (Cover will not exceed 12 months from onset of the illness, condition or injury) COVID-19 benefit SECTION 2: Additional Expenses On Your trip: Additional Expenses cover if You are diagnosed with COVID-19 on Your trip and certified by a qualified medical practitioner as unfit to…",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "evacuation) On Your trip: Overseas Medical Expenses cover if You are diagnosed with COVID-19 overseas by a qualified medical practitioner (Cover will not exceed 12 months from onset of the illness, condition or injury) COVID-19 benefit SECTION 2: Additional Expenses On Your trip: Additional Expenses cover if You are diagnosed with COVID-19 on Your trip and certified by a qualified medical practitioner as unfit to",
        "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=6",
        "page": 6,
        "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "Up to $5,000 per policy ~Cover will not exceed 12 months",
       "condition": null,
       "quote": "… practitioner as unfit to travel OPTIONAL cover: Up to $10,000 per policy OPTIONAL cover: Up to $5,000 per policy  Not available OPTIONAL cover: Up to $5,000 per policy ~Cover will not exceed 12 months from onset of the illness, condition or injury",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "practitioner as unfit to travel OPTIONAL cover: Up to $10,000 per policy OPTIONAL cover: Up to $5,000 per policy  Not available OPTIONAL cover: Up to $5,000 per policy ~Cover will not exceed 12 months from onset of the illness, condition or injury",
        "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=6",
        "page": 6,
        "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "maximum overall period for Worldwide cover is 12 months",
       "condition": null,
       "quote": "For example, the maximum overall period for Worldwide cover is 12 months in total",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "For example, the maximum overall period for Worldwide cover is 12 months in total",
        "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=9",
        "page": 9,
        "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "not exceed 12 months",
       "condition": null,
       "quote": "$Nil ~ Cover will not exceed 12 months from onset of the illness",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "$Nil ~ Cover will not exceed 12 months from onset of the illness",
        "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=43",
        "page": 43,
        "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 180,
       "stated_as": "up to a maximum duration of 6 months",
       "condition": null,
       "quote": "The maximum benefit limit for this section is: Plan Limit International Comprehensive $5,000 International Essential $2,000 We will only pay up to a maximum duration of 6 months or until the benefit limit is reached, whichever comes first",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "The maximum benefit limit for this section is: Plan Limit International Comprehensive $5,000 International Essential $2,000 We will only pay up to a maximum duration of 6 months or until the benefit limit is reached, whichever comes first",
        "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=41",
        "page": 41,
        "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": 360,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 24,
     "stated_as": "24th week of pregnancy",
     "quote": "\u0007Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "\u0007Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e",
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=19",
      "page": 19,
      "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
      "confirmed": "2026-11-05"
     }
    },
    "pre_existing": {
     "cover": "assessable",
     "quote": "… should tell Us about all Your Existing Medical Conditions including anything for which medication is prescribed so We can complete an online health assessment and, if We approve, offer You cover",
     "mentions": 50,
     "term_used": "existing or pre-existing condition",
     "rule": "gate.pre_existing.assessable",
     "status": "read",
     "citation": {
      "quote": "should tell Us about all Your Existing Medical Conditions including anything for which medication is prescribed so We can complete an online health assessment and, if We approve, offer You cover",
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=15",
      "page": 15,
      "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
      "confirmed": "2026-11-05"
     }
    },
    "residency": {
     "required": true,
     "quote": "You are a resident of Australia with a valid Australian Medicare card or currently living in Australia with a visa allowing You to live, work or study in Australia and will be returning Home at the completion of the Period of Insurance",
     "rule": "gate.residency.stated",
     "status": "read",
     "citation": {
      "quote": "You are a resident of Australia with a valid Australian Medicare card or currently living in Australia with a visa allowing You to live, work or study in Australia and will be returning Home at the completion of the Period of Insurance",
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=25",
      "page": 25,
      "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "required": null,
     "status": "not_stated"
    },
    "activity": {
     "snow_sports": {
      "cover": "optional",
      "quote": "Sand Dune Surfing/Skiing Available on all plans",
      "citation": {
       "quote": "Sand Dune Surfing/Skiing Available on all plans",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=13",
       "page": 13,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      }
     },
     "cruise": {
      "cover": "optional",
      "quote": "Page 6 of 55 PART 2: THE COVER Summary of COVID-19 Benefits Cruise cover When don’t I need to add Cruise cover?",
      "citation": {
       "quote": "Page 6 of 55 PART 2: THE COVER Summary of COVID-19 Benefits Cruise cover When don’t I need to add Cruise cover?",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=6",
       "page": 6,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "Motorcycle/moped riding Engine capacity 250cc or less Even if You pay the additional premium for Motorcycle/Moped Riding, You will only be covered if: • the engine capacity is 250cc or less",
      "citation": {
       "quote": "Motorcycle/moped riding Engine capacity 250cc or less Even if You pay the additional premium for Motorcycle/Moped Riding, You will only be covered if: • the engine capacity is 250cc or less",
       "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"
      }
     },
     "scuba": {
      "cover": "excluded",
      "quote": "High Diving (up to 10 metres – excluding cliff diving) • Wake Boarding • Hydrospeeding • Water Skiing • Ice Fishing • Wrestling • Iron Man • Lacrosse • Land Skiing • Land Yachting (organised tour) • Mud Buggying (organised tour) • Paddle Boarding – white water (grades…",
      "citation": {
       "quote": "High Diving (up to 10 metres – excluding cliff diving) • Wake Boarding • Hydrospeeding • Water Skiing • Ice Fishing • Wrestling • Iron Man • Lacrosse • Land Skiing • Land Yachting (organised tour) • Mud Buggying (organised tour) • Paddle Boarding – white water (grades",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=13",
       "page": 13,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": []
  },
  {
   "group": "retail",
   "slug": "cover-more",
   "label": "Cover-More Australia Product Disclosure Statement, 15 October 2025",
   "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
   "insurer": "Zurich Australian Insurance Limited",
   "insurer_group": "Zurich Australian Insurance Limited",
   "content_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
   "gates_carried_from_the_card_reader": [],
   "gates": {
    "age": {
     "gates": [],
     "max_age_for_purchase": null,
     "status": "not_stated"
    },
    "destination": {
     "countries_named_and_excluded": [
      "Crimea",
      "Cuba",
      "Donetsk",
      "Iran",
      "Luhansk",
      "North Korea",
      "Syria",
      "Ukraine"
     ],
     "quotes": {
      "Crimea": "… 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",
      "Cuba": "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",
      "Donetsk": "… 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",
      "Iran": "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",
      "Luhansk": "… 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",
      "North Korea": "… 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",
      "Syria": "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",
      "Ukraine": "… 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"
     },
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "Sanctions regulation Notwithstanding any other terms or conditions under this policy, We shall not be deemed to provide coverage and will not make any payments nor provide any service or benefit to You or any other party to the extent that such cover, payment, service,…",
      "citation": {
       "quote": "Sanctions regulation Notwithstanding any other terms or conditions under this policy, We shall not be deemed to provide coverage and will not make any payments nor provide any service or benefit to You or any other party to the extent that such cover, payment, service,",
       "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"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "c) If Your trip involves travel to a country or part of a country the Australian Government on the smartraveller.gov.au website* has issued a “Reconsider your need to travel” or “Do not travel” advice or warning, We may not be able to provide You with emergency assistance in that country",
      "citation": {
       "quote": "c) If Your trip involves travel to a country or part of a country the Australian Government on the smartraveller.gov.au website* has issued a “Reconsider your need to travel” or “Do not travel” advice or warning, We may not be able to provide You with emergency assistance in that country",
       "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"
      }
     },
     "status": "read",
     "citations": [
      {
       "quote": "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.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=50",
       "page": 50,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      {
       "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.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=50",
       "page": 50,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=50",
       "page": 50,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      {
       "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.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=50",
       "page": 50,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=50",
       "page": 50,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      {
       "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.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=50",
       "page": 50,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      {
       "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.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=50",
       "page": 50,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=50",
       "page": 50,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      }
     ]
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 360,
       "stated_as": "not exceed 12 months",
       "condition": null,
       "quote": "Policy Benefits 1 International Plans ~\u0007\u0007Cover will not exceed 12 months from onset of the illness, condition or injury",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "Policy Benefits 1 International Plans ~\u0007\u0007Cover will not exceed 12 months from onset of the illness, condition or injury",
        "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3",
        "page": 3,
        "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "not exceed 12 months",
       "condition": null,
       "quote": "… 10 Resumption of Journey Yes $Nil $2,000 11 Missed Connections Yes $Nil $2,000 No cover No cover PART 2 Additional Expenses 36-37 ~\u0007\u0007Cover will not exceed 12 months from onset of the illness, condition or injury",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "10 Resumption of Journey Yes $Nil $2,000 11 Missed Connections Yes $Nil $2,000 No cover No cover PART 2 Additional Expenses 36-37 ~\u0007\u0007Cover will not exceed 12 months from onset of the illness, condition or injury",
        "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6",
        "page": 6,
        "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "not exceed 12 months",
       "condition": null,
       "quote": "… Additional Expenses cover if You are diagnosed with COVID-19 on Your trip and incur Additional transport and/or accommodation expenses# ~\u0007\u0007Cover will not exceed 12 months from onset of the illness, condition or injury",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "Additional Expenses cover if You are diagnosed with COVID-19 on Your trip and incur Additional transport and/or accommodation expenses# ~\u0007\u0007Cover will not exceed 12 months from onset of the illness, condition or injury",
        "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=7",
        "page": 7,
        "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "not exceed 12 months",
       "condition": null,
       "quote": "… No $5,000 9* Travel Delay No $2,000 10 Resumption of Journey Yes $3,000 11* Missed Connections Yes $3,000 12 Special Events Yes $5,000 ~\u0007\u0007Cover will not exceed 12 months from onset of the illness, condition or injury",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "No $5,000 9* Travel Delay No $2,000 10 Resumption of Journey Yes $3,000 11* Missed Connections Yes $3,000 12 Special Events Yes $5,000 ~\u0007\u0007Cover will not exceed 12 months from onset of the illness, condition or injury",
        "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8",
        "page": 8,
        "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "not exceed 12 months",
       "condition": null,
       "quote": "… if You are diagnosed with COVID-19 on Your trip and incur Additional transport and/or accommodation expenses# Special excess $250# ~\u0007\u0007Cover will not exceed 12 months from onset of the illness, condition or injury",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "if You are diagnosed with COVID-19 on Your trip and incur Additional transport and/or accommodation expenses# Special excess $250# ~\u0007\u0007Cover will not exceed 12 months from onset of the illness, condition or injury",
        "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9",
        "page": 9,
        "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "maximum overall period for Worldwide cover is 12 months",
       "condition": null,
       "quote": "For example, the maximum overall period for Worldwide cover is 12 months in total",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "For example, the maximum overall period for Worldwide cover is 12 months in total",
        "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=11",
        "page": 11,
        "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "maximum of 12 months",
       "condition": null,
       "quote": "The maximum benefit limit for this section is: $250,000 Please note Cover applies for a maximum of 12 months from the date of suffering the Disabling Injury, Sickness or Disease",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "The maximum benefit limit for this section is: $250,000 Please note Cover applies for a maximum of 12 months from the date of suffering the Disabling Injury, Sickness or Disease",
        "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"
       }
      },
      {
       "max_days": 360,
       "stated_as": "not exceed 12 months",
       "condition": null,
       "quote": "The maximum benefit limit for section is: International ~ Cover will not exceed 12 months from onset of the illness",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "The maximum benefit limit for section is: International ~ Cover will not exceed 12 months from onset of the illness",
        "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=46",
        "page": 46,
        "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": 360,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 24,
     "stated_as": "24th week of pregnancy",
     "quote": "Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=20",
      "page": 20,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05"
     }
    },
    "pre_existing": {
     "cover": "assessable",
     "quote": "… should tell Us about all Your Existing Medical Conditions including anything for which medication is prescribed so We can complete an online health assessment and, if We approve, offer You cover",
     "mentions": 51,
     "term_used": "existing or pre-existing condition",
     "rule": "gate.pre_existing.assessable",
     "status": "read",
     "citation": {
      "quote": "should tell Us about all Your Existing Medical Conditions including anything for which medication is prescribed so We can complete an online health assessment and, if We approve, offer You cover",
      "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"
     }
    },
    "residency": {
     "required": true,
     "quote": "You are a resident of Australia with a valid Australian Medicare card or currently living in Australia with a visa allowing You to live, work or study in Australia (or nonresident of Australia travelling on the Inbound plan) and will be returning Home at the completion of the Period of Insurance",
     "rule": "gate.residency.stated",
     "status": "read",
     "citation": {
      "quote": "You are a resident of Australia with a valid Australian Medicare card or currently living in Australia with a visa allowing You to live, work or study in Australia (or nonresident of Australia travelling on the Inbound plan) and will be returning Home at the completion of the Period of Insurance",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=24",
      "page": 24,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "required": null,
     "status": "not_stated"
    },
    "activity": {
     "snow_sports": {
      "cover": "optional",
      "quote": "Water Skiing • Wrestling PART 2: THE COVER 15 PART 2 Adventure Activities • Blow Karting (organised tour) • BMX Stunt/Obstacle/ Riding (leisure) • Bob sleighing (organised events only) Please note that if You purchase Adventure+ cover, You will also be covered for those…",
      "citation": {
       "quote": "Water Skiing • Wrestling PART 2: THE COVER 15 PART 2 Adventure Activities • Blow Karting (organised tour) • BMX Stunt/Obstacle/ Riding (leisure) • Bob sleighing (organised events only) Please note that if You purchase Adventure+ cover, You will also be covered for those",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=15",
       "page": 15,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      }
     },
     "cruise": {
      "cover": "optional",
      "quote": "… Equipment Yes $7,500 Business Equipment Hire Yes $1,500 Alternative Staff No Business Money No $2,000 Kidnap and Ransom No $250,000 No Cover $15,000 Cruise Cover Yes $Cover Chosen^ $Cover Chosen^ $Cover Chosen^ (ii) On-board Medical and Dental Cover Yes $Unlimited~ $Unlimited~ $Unlimited~ (iii) Ship to Shore Medical Cover Yes $Unlimited $Unlimited $Unlimited (iv) Sea Sickness Cover Yes $Unlimited~ $Unlimited~…",
      "citation": {
       "quote": "Equipment Yes $7,500 Business Equipment Hire Yes $1,500 Alternative Staff No Business Money No $2,000 Kidnap and Ransom No $250,000 No Cover $15,000 Cruise Cover Yes $Cover Chosen^ $Cover Chosen^ $Cover Chosen^ (ii) On-board Medical and Dental Cover Yes $Unlimited~ $Unlimited~ $Unlimited~ (iii) Ship to Shore Medical Cover Yes $Unlimited $Unlimited $Unlimited (iv) Sea Sickness Cover Yes $Unlimited~ $Unlimited~",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4",
       "page": 4,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "Biathlon (organised events only) Motorcycle/moped riding cover • If You paid for one of the motorcycle/moped riding cover options, We will also include cover for the insurance excess You become liable to pay for damage to or theft of a motorcycle or moped that You rented from a licensed motor…",
      "citation": {
       "quote": "Biathlon (organised events only) Motorcycle/moped riding cover • If You paid for one of the motorcycle/moped riding cover options, We will also include cover for the insurance excess You become liable to pay for damage to or theft of a motorcycle or moped that You rented from a licensed motor",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=15",
       "page": 15,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "excluded",
      "quote": "High Diving (up to 10 metres – excluding cliff diving) • Hydrospeeding • Ice Fishing • Iron Man • Lacrosse • Land Skiing • Land Yachting (organised tour) • Mud Buggying (organised tour) • Paddle Boarding – white water (grades 1-3) • Paragliding/Parascending/…",
      "citation": {
       "quote": "High Diving (up to 10 metres – excluding cliff diving) • Hydrospeeding • Ice Fishing • Iron Man • Lacrosse • Land Skiing • Land Yachting (organised tour) • Mud Buggying (organised tour) • Paddle Boarding – white water (grades 1-3) • Paragliding/Parascending/",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=15",
       "page": 15,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": []
  },
  {
   "group": "retail",
   "slug": "fast-cover",
   "label": "Fast Cover PDS, 22 March 2025",
   "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf",
   "insurer": "Certain Underwriters at Lloyd's",
   "insurer_group": "Lloyd's",
   "content_sha256": "cb0e143fc38ea664f52a6afa1b87c20fbc505739d0a8f4213fe9f12c813b6b67",
   "gates_carried_from_the_card_reader": [],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 74,
       "stated_as": "aged 74 and under",
       "scope": "option",
       "applies_to": "Adventure Pack",
       "plan_named": null,
       "quote": "You must be aged 74 and under at the date of Policy issue to purchase the Adventure Pack",
       "rule": "gate.age.or_under",
       "citation": {
        "quote": "You must be aged 74 and under at the date of Policy issue to purchase the Adventure Pack",
        "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=28",
        "page": 28,
        "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_age": 74,
       "stated_as": "aged 74 and under",
       "scope": "option",
       "applies_to": "Motorcycle Pack",
       "plan_named": null,
       "quote": "You must be aged 74 and under at the date of Policy issue to purchase the Motorcycle Pack",
       "rule": "gate.age.or_under",
       "citation": {
        "quote": "You must be aged 74 and under at the date of Policy issue to purchase the Motorcycle Pack",
        "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=31",
        "page": 31,
        "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_age": 65,
       "stated_as": "aged 65 years and under",
       "scope": "policy",
       "applies_to": null,
       "plan_named": null,
       "quote": "and You are aged 65 years and under at time of purchase",
       "rule": "gate.age.or_under",
       "citation": {
        "quote": "and You are aged 65 years and under at time of purchase",
        "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=8",
        "page": 8,
        "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_age": 69,
       "stated_as": "aged 69 and under",
       "scope": "policy",
       "applies_to": "Snow Sports Plus",
       "plan_named": null,
       "quote": "You must be aged 69 and under at the date of Policy issue to purchase the Snow Sports Plus Policy",
       "rule": "gate.age.or_under",
       "citation": {
        "quote": "You must be aged 69 and under at the date of Policy issue to purchase the Snow Sports Plus Policy",
        "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=29",
        "page": 29,
        "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_age": 89,
       "stated_as": "aged 89 years or less",
       "scope": "policy",
       "applies_to": null,
       "plan_named": null,
       "quote": "… Benefit 19: Rental Vehicle Excess Benefit 23: Snow Resort Closure Benefit 26: Bicycle Pack Age Limits This Policy is available to travellers aged 89 years or less at the time of Policy purchase, however Age-related limits may vary depending on the selected Policy type and the cover You require",
       "rule": "gate.age.or_under",
       "citation": {
        "quote": "Benefit 19: Rental Vehicle Excess Benefit 23: Snow Resort Closure Benefit 26: Bicycle Pack Age Limits This Policy is available to travellers aged 89 years or less at the time of Policy purchase, however Age-related limits may vary depending on the selected Policy type and the cover You require",
        "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=15",
        "page": 15,
        "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": 89,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [
      "Cuba",
      "Iran",
      "North Korea"
     ],
     "quotes": {
      "Cuba": "Your claim relates to any travel to Cuba, Iran or North Korea",
      "Iran": "Your claim relates to any travel to Cuba, Iran or North Korea",
      "North Korea": "Your claim relates to any travel to Cuba, Iran or North Korea"
     },
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "The provision of cover or a liability to pay any claim or provide any benefit under the Policy would expose Us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, the European Union, United Kingdom or United States of America",
      "citation": {
       "quote": "The provision of cover or a liability to pay any claim or provide any benefit under the Policy would expose Us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, the European Union, United Kingdom or United States of America",
       "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=98",
       "page": 98,
       "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "The list of countries that Australia has a Reciprocal Health Care Agreement with can be found at smartraveller.gov.au",
      "citation": {
       "quote": "The list of countries that Australia has a Reciprocal Health Care Agreement with can be found at smartraveller.gov.au",
       "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=45",
       "page": 45,
       "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
       "confirmed": "2026-11-05"
      }
     },
     "status": "read",
     "citations": [
      {
       "quote": "Your claim relates to any travel to Cuba, Iran or North Korea",
       "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=98",
       "page": 98,
       "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Your claim relates to any travel to Cuba, Iran or North Korea",
       "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=98",
       "page": 98,
       "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Your claim relates to any travel to Cuba, Iran or North Korea",
       "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=98",
       "page": 98,
       "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
       "confirmed": "2026-11-05"
      }
     ]
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 720,
       "stated_as": "maximum combined period of 24 months",
       "condition": null,
       "quote": "The Period of insurance on Your original Certificate of insurance and Your new Certificate of insurance cannot exceed a maximum combined period of 24 months",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "The Period of insurance on Your original Certificate of insurance and Your new Certificate of insurance cannot exceed a maximum combined period of 24 months",
        "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=14",
        "page": 14,
        "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "maximum of 12 months",
       "condition": null,
       "quote": "We will only pay for Overseas treatment received and/or Hospital accommodation for a maximum of 12 months from the Sickness date or from the Injury date",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "We will only pay for Overseas treatment received and/or Hospital accommodation for a maximum of 12 months from the Sickness date or from the Injury date",
        "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=44",
        "page": 44,
        "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 25,
       "stated_as": "up to 25 days",
       "condition": null,
       "quote": "5 25-day money back guarantee We offer a money back guarantee up to 25 days if You have not started Your Trip and have not used any of Your rights under the Policy (e.g",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "5 25-day money back guarantee We offer a money back guarantee up to 25 days if You have not started Your Trip and have not used any of Your rights under the Policy (e.g",
        "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=9",
        "page": 9,
        "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 14,
       "stated_as": "no more than 14 days",
       "condition": null,
       "quote": "… Overseas for less than 14 days, or have been insured under a travel insurance policy since You left Australia that is current or has been expired for no more than 14 days",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "Overseas for less than 14 days, or have been insured under a travel insurance policy since You left Australia that is current or has been expired for no more than 14 days",
        "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=7",
        "page": 7,
        "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 10,
       "stated_as": "Up to $100 in total per 24-hour period for up to 10 days",
       "condition": null,
       "quote": "✓ No cover No cover No cover No cover $1,000 $1,000 No cover No cover No cover No cover Up to $100 in total per 24-hour period for up to 10 days No cover No cover No cover No cover No cover No cover No cover No cover * Frequent Traveller Saver ✓ * Basics Standard Saver Excess* Comprehensive Sub limits Domestic Plus Benefit limits Snow Sports Plus This benefit applies to * An Excess applies for each…",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "✓ No cover No cover No cover No cover $1,000 $1,000 No cover No cover No cover No cover Up to $100 in total per 24-hour period for up to 10 days No cover No cover No cover No cover No cover No cover No cover No cover * Frequent Traveller Saver ✓ * Basics Standard Saver Excess* Comprehensive Sub limits Domestic Plus Benefit limits Snow Sports Plus This benefit applies to * An Excess applies for each",
        "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=81",
        "page": 81,
        "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": 720,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 23,
     "stated_as": "23rd week of pregnancy",
     "quote": "Up to the end of the 23rd week of pregnancy if You are pregnant with a single child",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "Up to the end of the 23rd week of pregnancy if You are pregnant with a single child",
      "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"
     }
    },
    "pre_existing": {
     "cover": "mentioned_unclear",
     "quote": "For repairing pre-existing or old damage, faulty workmanship, or incomplete repairs that existed at the time the Certificate of insurance was issued",
     "rule": "gate.pre_existing.mentioned_unclear",
     "status": "read",
     "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"
     }
    },
    "residency": {
     "required": true,
     "quote": "Family emergency: You are covered for Your cancellation or rescheduling expenses if a Close relative residing in Australia is unexpectedly hospitalised or dies from COVID-19 during Your Trip",
     "rule": "gate.residency.stated",
     "status": "read",
     "citation": {
      "quote": "Family emergency: You are covered for Your cancellation or rescheduling expenses if a Close relative residing in Australia is unexpectedly hospitalised or dies from COVID-19 during Your Trip",
      "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"
     }
    },
    "return_ticket": {
     "required": true,
     "quote": "and ✓ You hold a return ticket to Australia",
     "rule": "gate.return_ticket.stated",
     "status": "read",
     "citation": {
      "quote": "and ✓ You hold a return ticket to Australia",
      "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=7",
      "page": 7,
      "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
      "confirmed": "2026-11-05"
     }
    },
    "activity": {
     "snow_sports": {
      "cover": "optional",
      "quote": "24 Snow Sports…",
      "citation": {
       "quote": "24 Snow Sports",
       "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=2",
       "page": 2,
       "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
       "confirmed": "2026-11-05"
      }
     },
     "cruise": {
      "cover": "optional",
      "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"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "25 Motorcycle Pack…",
      "citation": {
       "quote": "25 Motorcycle Pack",
       "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=2",
       "page": 2,
       "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "optional",
      "quote": "… the International Scale of River Difficulty) Safari (under appropriate supervision) but not hunting Sailing up to 10 nautical miles off any land mass Scuba diving/ diving underwater using an artificial breathing apparatus at a depth no greater than 10 metres (You must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities",
      "citation": {
       "quote": "the International Scale of River Difficulty) Safari (under appropriate supervision) but not hunting Sailing up to 10 nautical miles off any land mass Scuba diving/ diving underwater using an artificial breathing apparatus at a depth no greater than 10 metres (You must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities",
       "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=22",
       "page": 22,
       "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": [
    {
     "gate": "age",
     "why": "a floor of 90 with no refusal around it: this is a band or a benefit that changes with age, not an eligibility ceiling",
     "quote": "Where at the time of extension You are aged 90 years or over"
    },
    {
     "gate": "pre_existing",
     "why": "1 mentions, none of them in a sentence that says how the condition is treated: the figure a traveller needs is in a table this reader has no rules for",
     "quote": "For repairing pre-existing or old damage, faulty workmanship, or incomplete repairs that existed at the time the Certificate of insurance was issued"
    }
   ]
  },
  {
   "group": "retail",
   "slug": "insureandgo",
   "label": "Insure&Go Single-Trip Travel Insurance PDS, 20 January 2026",
   "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf",
   "insurer": "Mitsui Sumitomo Insurance Company Limited",
   "insurer_group": "Mitsui Sumitomo Insurance Company Limited",
   "content_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5",
   "gates_carried_from_the_card_reader": [],
   "gates": {
    "age": {
     "gates": [],
     "max_age_for_purchase": null,
     "status": "not_stated"
    },
    "destination": {
     "countries_named_and_excluded": [
      "Antarctica"
     ],
     "quotes": {
      "Antarctica": "There is no cover on this policy for Antarctica"
     },
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "or interventions involving the use of force or coercion, or where a sanction would prevent us from paying your claim (see General condition 15 and General exclusions 11 and 13 for more detail)",
      "citation": {
       "quote": "or interventions involving the use of force or coercion, or where a sanction would prevent us from paying your claim (see General condition 15 and General exclusions 11 and 13 for more detail)",
       "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"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "… injury or illness, dental, damage or legal liability arising directly or indirectly from travel in, to or through destinations that are subject to “Do Not Travel” advice from the Australian Government, as well as events occurring in any international conflicts Insure&Go Travel Insurance | Single Trip | Product Disclosure Statement 11 CONTENTS | TABLE OF BENEFITS | POLICY UPGRADES | GENERAL INFORMATION| GENERAL…",
      "citation": {
       "quote": "injury or illness, dental, damage or legal liability arising directly or indirectly from travel in, to or through destinations that are subject to “Do Not Travel” advice from the Australian Government, as well as events occurring in any international conflicts Insure&Go Travel Insurance | Single Trip | Product Disclosure Statement 11 CONTENTS | TABLE OF BENEFITS | POLICY UPGRADES | GENERAL INFORMATION| GENERAL",
       "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"
      }
     },
     "status": "read",
     "citations": [
      {
       "quote": "There is no cover on this policy for Antarctica",
       "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"
      }
     ]
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 360,
       "stated_as": "up to 12 months",
       "condition": null,
       "quote": "… Extension of cover Where your trip is necessarily extended due to an unforeseeable circumstance outside your control, your cover will be extended for up to 12 months or until you are able to travel home by the quickest and most direct route",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "Extension of cover Where your trip is necessarily extended due to an unforeseeable circumstance outside your control, your cover will be extended for up to 12 months or until you are able to travel home by the quickest and most direct route",
        "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=22",
        "page": 22,
        "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 180,
       "stated_as": "up to a maximum of 6 months",
       "condition": null,
       "quote": "… you are covered for We will pay you, up to the amount shown in the Table of Benefits, 75% of your average monthly net of tax income that you lose for up to a maximum of 6 months if you suffer an injury that occurs during your trip and: • you become unable to attend your usual full time or part time contracted occupation or business within 30 days of the injury",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "you are covered for We will pay you, up to the amount shown in the Table of Benefits, 75% of your average monthly net of tax income that you lose for up to a maximum of 6 months if you suffer an injury that occurs during your trip and: • you become unable to attend your usual full time or part time contracted occupation or business within 30 days of the injury",
        "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=48",
        "page": 48,
        "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": 360,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 31,
     "stated_as": "31st week of pregnancy",
     "quote": "… and Section B2 – Hospital cash allowance of this policy, for claims that come from complications of pregnancy and childbirth that occur before the 31st week of pregnancy",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "and Section B2 – Hospital cash allowance of this policy, for claims that come from complications of pregnancy and childbirth that occur before the 31st week of pregnancy",
      "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"
     }
    },
    "pre_existing": {
     "cover": "assessable",
     "quote": "… the guidelines of the relevant diving or training agency or organisation and not diving alone)~# If you have a pre‑existing medical condition you can apply for additional cover at the time you buy your policy by completing a medical screening",
     "mentions": 18,
     "term_used": "existing or pre-existing condition",
     "rule": "gate.pre_existing.assessable",
     "status": "read",
     "citation": {
      "quote": "the guidelines of the relevant diving or training agency or organisation and not diving alone)~# If you have a pre‑existing medical condition you can apply for additional cover at the time you buy your policy by completing a medical screening",
      "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=10",
      "page": 10,
      "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b",
      "confirmed": "2026-11-05"
     }
    },
    "residency": {
     "required": true,
     "quote": "the unforeseeable death, injury, or illness of your relative, business associate or travelling companion who is resident in Australia and who is in Australia at the time the event occurs",
     "rule": "gate.residency.stated",
     "status": "read",
     "citation": {
      "quote": "the unforeseeable death, injury, or illness of your relative, business associate or travelling companion who is resident in Australia and who is in Australia at the time the event occurs",
      "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=31",
      "page": 31,
      "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "required": true,
     "quote": "Important Information What you are not covered for 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",
     "rule": "gate.return_ticket.stated",
     "status": "read",
     "citation": {
      "quote": "Important Information What you are not covered for 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"
     }
    },
    "activity": {
     "snow_sports": {
      "cover": "optional",
      "quote": "… $1,250 Yes Single article, Pair or Set of items limit $600 N2 Winter sports equipment hire $50 per 24 hours up to $500 No N3 Lift pass $500 Yes N4 Ski pack $150 per 24 hours up to $600 No N5 Piste closure $50 per 24 hours up to $500 No N6 Avalanche cover $600 Yes *Excess If your claim is paid, this excess is deducted from any payment we make to you",
      "citation": {
       "quote": "$1,250 Yes Single article, Pair or Set of items limit $600 N2 Winter sports equipment hire $50 per 24 hours up to $500 No N3 Lift pass $500 Yes N4 Ski pack $150 per 24 hours up to $600 No N5 Piste closure $50 per 24 hours up to $500 No N6 Avalanche cover $600 Yes *Excess If your claim is paid, this excess is deducted from any payment we make to you",
       "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=8",
       "page": 8,
       "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b",
       "confirmed": "2026-11-05"
      }
     },
     "cruise": {
      "cover": "optional",
      "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"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "make sure you’ve got the required licence for the country you’re riding in - you also need to have a licence for the equivalent motorcycle in Australia",
      "citation": {
       "quote": "make sure you’ve got the required licence for the country you’re riding in - you also need to have a licence for the equivalent motorcycle in Australia",
       "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=17",
       "page": 17,
       "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "excluded",
      "quote": "or, if qualified, diving within the guidelines of the relevant diving or training agency or organisation and not diving alone)~# • Tandem hang gliding~# • Tandem paragliding~# • Tandem skydiving~# • Trekking or hiking over 5000m altitude but under 5500m altitude~# Excluded: • Cliff diving or cliff jumping • Hunting…",
      "citation": {
       "quote": "or, if qualified, diving within the guidelines of the relevant diving or training agency or organisation and not diving alone)~# • Tandem hang gliding~# • Tandem paragliding~# • Tandem skydiving~# • Trekking or hiking over 5000m altitude but under 5500m altitude~# Excluded: • Cliff diving or cliff jumping • Hunting",
       "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=16",
       "page": 16,
       "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": []
  },
  {
   "group": "retail",
   "slug": "medibank",
   "label": "Medibank Travel Insurance PDS",
   "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf",
   "insurer": "Zurich Australian Insurance Limited",
   "insurer_group": "Zurich Australian Insurance Limited",
   "content_sha256": "cbf470c1ef405fe6b966d50447369b57b0a55a29a82bbef8c83f4523ac6ab555",
   "gates_carried_from_the_card_reader": [],
   "gates": {
    "age": {
     "gates": [],
     "max_age_for_purchase": null,
     "status": "not_stated"
    },
    "destination": {
     "countries_named_and_excluded": [
      "Crimea",
      "Cuba",
      "Donetsk",
      "Iran",
      "Luhansk",
      "North Korea",
      "Syria",
      "Ukraine"
     ],
     "quotes": {
      "Crimea": "… 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",
      "Cuba": "\u0007\u0007\u0007claims 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",
      "Donetsk": "… 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",
      "Iran": "\u0007\u0007\u0007claims 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",
      "Luhansk": "… 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",
      "North Korea": "… 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",
      "Syria": "\u0007\u0007\u0007claims 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",
      "Ukraine": "… 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"
     },
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "Sanctions regulation Notwithstanding any other terms or conditions under this policy, We shall not be deemed to provide coverage and will not make any payments nor provide any service or benefit to You or any other party to the extent that such cover, payment, service,…",
      "citation": {
       "quote": "Sanctions regulation Notwithstanding any other terms or conditions under this policy, We shall not be deemed to provide coverage and will not make any payments nor provide any service or benefit to You or any other party to the extent that such cover, payment, service,",
       "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"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "\u0007If Your trip involves travel to a country or part of a country the Australian Government on the smartraveller.gov.au website* has issued a “Reconsider your need to travel” or “Do not travel” advice or warning, We may not be able to provide You with emergency assistance in that country",
      "citation": {
       "quote": "\u0007If Your trip involves travel to a country or part of a country the Australian Government on the smartraveller.gov.au website* has issued a “Reconsider your need to travel” or “Do not travel” advice or warning, We may not be able to provide You with emergency assistance in that country",
       "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"
      }
     },
     "status": "read",
     "citations": [
      {
       "quote": "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://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=43",
       "page": 43,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "\u0007\u0007\u0007claims 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://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=43",
       "page": 43,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=43",
       "page": 43,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "\u0007\u0007\u0007claims 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://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=43",
       "page": 43,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=43",
       "page": 43,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=43",
       "page": 43,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "\u0007\u0007\u0007claims 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://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=43",
       "page": 43,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=43",
       "page": 43,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      }
     ]
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 360,
       "stated_as": "not exceed 12 months",
       "condition": null,
       "quote": "Missed shore excursions No $1,000 #\u0007Cover will not exceed 12 months from the onset of the illness or injury",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "Missed shore excursions No $1,000 #\u0007Cover will not exceed 12 months from the onset of the illness or injury",
        "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=6",
        "page": 6,
        "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "maximum overall period for Worldwide cover is 12 months",
       "condition": null,
       "quote": "For example, the maximum overall period for Worldwide cover is 12 months in total",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "For example, the maximum overall period for Worldwide cover is 12 months in total",
        "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=8",
        "page": 8,
        "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "maximum of 12 months",
       "condition": null,
       "quote": "International Medical Only Plan: $Unlimited Please note Cover applies for a maximum of 12 months from the date of suffering the Disabling Injury, Sickness or Disease",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "International Medical Only Plan: $Unlimited Please note Cover applies for a maximum of 12 months from the date of suffering the Disabling Injury, Sickness or Disease",
        "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=40",
        "page": 40,
        "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": 360,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 26,
     "stated_as": "26th week of pregnancy",
     "quote": "\u0007Cover is only provided for serious, unexpected pregnancy complications that occur up until the 26th week of pregnancy i.e up to 25 weeks, 6 days",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "\u0007Cover is only provided for serious, unexpected pregnancy complications that occur up until the 26th week of pregnancy i.e up to 25 weeks, 6 days",
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=15",
      "page": 15,
      "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
      "confirmed": "2026-11-05"
     }
    },
    "pre_existing": {
     "cover": "assessable",
     "quote": "… should tell Us about all Your Existing Medical Conditions including anything for which medication is prescribed so We can complete an online health assessment and, if We approve, offer You cover",
     "mentions": 52,
     "term_used": "existing or pre-existing condition",
     "rule": "gate.pre_existing.assessable",
     "status": "read",
     "citation": {
      "quote": "should tell Us about all Your Existing Medical Conditions including anything for which medication is prescribed so We can complete an online health assessment and, if We approve, offer You cover",
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=10",
      "page": 10,
      "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
      "confirmed": "2026-11-05"
     }
    },
    "residency": {
     "required": true,
     "quote": "You are a resident of Australia with a valid Australian Medicare card or currently living in Australia with a visa allowing You to live, work or study in Australia) and will be returning Home at the completion of the Period of Insurance",
     "rule": "gate.residency.stated",
     "status": "read",
     "citation": {
      "quote": "You are a resident of Australia with a valid Australian Medicare card or currently living in Australia with a visa allowing You to live, work or study in Australia) and will be returning Home at the completion of the Period of Insurance",
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=20",
      "page": 20,
      "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "required": null,
     "status": "not_stated"
    },
    "activity": {
     "snow_sports": {
      "cover": "optional",
      "quote": "\u0007claims involving participation by You (during the Journey) in On‑Piste snow skiing, On-Piste snowboarding or snowmobiling",
      "citation": {
       "quote": "\u0007claims involving participation by You (during the Journey) in On‑Piste snow skiing, On-Piste snowboarding or snowmobiling",
       "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"
      }
     },
     "cruise": {
      "cover": "optional",
      "quote": "Cruise cover – additional premium applies",
      "citation": {
       "quote": "Cruise cover – additional premium applies",
       "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"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "\u0007claims involving participation by You (during the Journey) in motorcycling for any purpose",
      "citation": {
       "quote": "\u0007claims involving participation by You (during the Journey) in motorcycling for any purpose",
       "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"
      }
     },
     "scuba": {
      "cover": "optional",
      "quote": "scuba diving unless You hold an Open Water Diving Certificate or are diving with a qualified diving instructor",
      "citation": {
       "quote": "scuba diving unless You hold an Open Water Diving Certificate or are diving with a qualified diving instructor",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=42",
       "page": 42,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": []
  },
  {
   "group": "retail",
   "slug": "racv",
   "label": "RACV Travel Insurance Combined Financial Services Guide and PDS (current)",
   "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf",
   "insurer": "Tokio Marine & Nichido Fire Insurance Co., Ltd",
   "insurer_group": "Tokio Marine & Nichido Fire Insurance Co., Ltd",
   "content_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85",
   "gates_carried_from_the_card_reader": [],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 75,
       "stated_as": "up to 75 years of age",
       "scope": "plan",
       "applies_to": null,
       "plan_named": "Annual",
       "quote": "Who can purchase this policy Cover is available: For persons up to 110 years of age for Single Trip policies and up to 75 years of age for the Annual Multi-Trip policy provided that: – You either: • • are an Australian citizen or permanent resident of Australia",
       "rule": "gate.age.up_to",
       "citation": {
        "quote": "Who can purchase this policy Cover is available: For persons up to 110 years of age for Single Trip policies and up to 75 years of age for the Annual Multi-Trip policy provided that: – You either: • • are an Australian citizen or permanent resident of Australia",
        "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=9",
        "page": 9,
        "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_age": 110,
       "stated_as": "up to 110 years of age",
       "scope": "plan",
       "applies_to": null,
       "plan_named": "Annual",
       "quote": "Who can purchase this policy Cover is available: For persons up to 110 years of age for Single Trip policies and up to 75 years of age for the Annual Multi-Trip policy provided that: – You either: • • are an Australian citizen or permanent resident of Australia",
       "rule": "gate.age.up_to",
       "citation": {
        "quote": "Who can purchase this policy Cover is available: For persons up to 110 years of age for Single Trip policies and up to 75 years of age for the Annual Multi-Trip policy provided that: – You either: • • are an Australian citizen or permanent resident of Australia",
        "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=9",
        "page": 9,
        "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": 110,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [],
     "quotes": {},
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "Sanctions Regulation In addition to the General Exclusions listed above, this policy does not cover any losses or expenses that are from, related to or directly or indirectly caused by any violation of, or exposure of You or Us to any sanction, prohibition or…",
      "citation": {
       "quote": "Sanctions Regulation In addition to the General Exclusions listed above, this policy does not cover any losses or expenses that are from, related to or directly or indirectly caused by any violation of, or exposure of You or Us to any sanction, prohibition or",
       "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"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "Smart Traveller For international travel, it is always a good idea to register Your details with Smart Traveller before You depart, at smartraveller.gov.au",
      "citation": {
       "quote": "Smart Traveller For international travel, it is always a good idea to register Your details with Smart Traveller before You depart, at smartraveller.gov.au",
       "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"
      }
     },
     "status": "read",
     "citations": []
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 360,
       "stated_as": "maximum period of 12 months",
       "condition": null,
       "quote": "… changes are made to the Trip length, the Period of Insurance on Your new COI, when added to the period on Your original COI, cannot exceed a combined maximum period of 12 months",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "changes are made to the Trip length, the Period of Insurance on Your new COI, when added to the period on Your original COI, cannot exceed a combined maximum period of 12 months",
        "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=10",
        "page": 10,
        "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "maximum period of 12 months",
       "condition": null,
       "quote": "The Period of Insurance on Your new COI, when added to the period on Your original COI, cannot exceed a combined maximum period of 12 months",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "The Period of Insurance on Your new COI, when added to the period on Your original COI, cannot exceed a combined maximum period of 12 months",
        "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=10",
        "page": 10,
        "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "up to 12 months",
       "condition": null,
       "quote": "We will pay for expenses incurred up to 12 months from the time You first received treatment for the injury or illness",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "We will pay for expenses incurred up to 12 months from the time You first received treatment for the injury or illness",
        "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"
       }
      },
      {
       "max_days": 60,
       "stated_as": "maximum duration limit of either 30, 45 or 60 days",
       "condition": null,
       "quote": "A maximum duration limit of either 30, 45 or 60 days per Trip (or the maximum durations shown on Your COI) • If You purchase the Annual Multi-Trip plan, the Sums Insured under each of the sections of the policy are automatically reinstated on the completion of each Trip",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "A maximum duration limit of either 30, 45 or 60 days per Trip (or the maximum durations shown on Your COI) • If You purchase the Annual Multi-Trip plan, the Sums Insured under each of the sections of the policy are automatically reinstated on the completion of each Trip",
        "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"
       }
      }
     ],
     "max_days_unconditional": 360,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 25,
     "stated_as": "25th week of Your pregnancy",
     "quote": "Cover is included automatically up to the end of the 25th week of Your pregnancy for: 10 a",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "Cover is included automatically up to the end of the 25th week of Your pregnancy for: 10 a",
      "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"
     }
    },
    "pre_existing": {
     "cover": "automatic_for_listed",
     "quote": "The plan type You select has the following Excess options: Medical Conditions that are not automatically covered but You want included in Your policy may incur an additional Premium",
     "mentions": 60,
     "term_used": "medical condition",
     "rule": "gate.pre_existing.automatic_for_listed.loose_term",
     "status": "read",
     "citation": {
      "quote": "The plan type You select has the following Excess options: Medical Conditions that are not automatically covered but You want included in Your policy may incur an additional Premium",
      "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"
     }
    },
    "residency": {
     "required": true,
     "quote": "… is available: For persons up to 110 years of age for Single Trip policies and up to 75 years of age for the Annual Multi-Trip policy provided that: – You either: • • are an Australian citizen or permanent resident of Australia",
     "rule": "gate.residency.stated",
     "status": "read",
     "citation": {
      "quote": "is available: For persons up to 110 years of age for Single Trip policies and up to 75 years of age for the Annual Multi-Trip policy provided that: – You either: • • are an Australian citizen or permanent resident of Australia",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=9",
      "page": 9,
      "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "required": true,
     "quote": "… visa - but not a tourist, study or working holiday visa - that will remain valid beyond the period of Your return from Your Trip, and You also hold a return ticket back to Australia (for International plans), a valid Australian Medicare card and have a primary place of residence in Australia",
     "rule": "gate.return_ticket.stated",
     "status": "read",
     "citation": {
      "quote": "visa - but not a tourist, study or working holiday visa - that will remain valid beyond the period of Your return from Your Trip, and You also hold a return ticket back to Australia (for International plans), a valid Australian Medicare card and have a primary place of residence in Australia",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=9",
      "page": 9,
      "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
      "confirmed": "2026-11-05"
     }
    },
    "activity": {
     "snow_sports": {
      "cover": "optional",
      "quote": "… Section 2 – Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses Section 4 – Emergency Expenses If You have selected the ‘Ski and Winter Sports option’, cover for claims arising from COVID-19 is available under the following sections: Section 17 – Ski Pack If You have selected the ‘Cruise Benefits option’, cover for claims arising from COVID-19 is available under the following…",
      "citation": {
       "quote": "Section 2 – Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses Section 4 – Emergency Expenses If You have selected the ‘Ski and Winter Sports option’, cover for claims arising from COVID-19 is available under the following sections: Section 17 – Ski Pack If You have selected the ‘Cruise Benefits option’, cover for claims arising from COVID-19 is available under the following",
       "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"
      }
     },
     "cruise": {
      "cover": "optional",
      "quote": "Please see the Information about cruising section for when You need to select this option",
      "citation": {
       "quote": "Please see the Information about cruising section for when You need to select this option",
       "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"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "No additional Premium for Motorcycle and Moped/Scooter • Dependants covered up to 25 years of age limits, sub limits, exclusions and conditions apply",
      "citation": {
       "quote": "No additional Premium for Motorcycle and Moped/Scooter • Dependants covered up to 25 years of age limits, sub limits, exclusions and conditions apply",
       "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"
      }
     },
     "scuba": {
      "cover": "excluded",
      "quote": "Activities included only under certain conditions If You wish to participate in: abseiling, assault course, breathing observation bubble diving, bungee jumping, camel or elephant riding, canoeing, kayaking or whitewater rafting (grade 3 and 4 rapids), canopy walking, canyoning, cave tubing, coasteering, fishing, sailing or boating trips (1 night or more), go karting, gorge or canyon swinging, hot air…",
      "citation": {
       "quote": "Activities included only under certain conditions If You wish to participate in: abseiling, assault course, breathing observation bubble diving, bungee jumping, camel or elephant riding, canoeing, kayaking or whitewater rafting (grade 3 and 4 rapids), canopy walking, canyoning, cave tubing, coasteering, fishing, sailing or boating trips (1 night or more), go karting, gorge or canyon swinging, hot air",
       "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"
      }
     }
    }
   },
   "review": []
  },
  {
   "group": "retail",
   "slug": "tick",
   "label": "Tick Overseas Travel policy wording, July 2024",
   "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf",
   "insurer": "Mitsui Sumitomo Insurance Company Limited",
   "insurer_group": "Mitsui Sumitomo Insurance Company Limited",
   "content_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377",
   "gates_carried_from_the_card_reader": [],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 64,
       "stated_as": "aged 64 or under",
       "scope": "trip_length_band",
       "applies_to": null,
       "plan_named": null,
       "quote": "… if you travel to Pacific only 365 days if you travel to other destinations Age Limits at the date of application Maximum Trip Duration (If you are aged 64 or under) Maximum Trip Duration (If you are aged 65 or over) 42 days 42 days if you travel to Pacific only",
       "rule": "gate.age.or_under",
       "citation": {
        "quote": "if you travel to Pacific only 365 days if you travel to other destinations Age Limits at the date of application Maximum Trip Duration (If you are aged 64 or under) Maximum Trip Duration (If you are aged 65 or over) 42 days 42 days if you travel to Pacific only",
        "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"
       }
      }
     ],
     "max_age_for_purchase": null,
     "status": "read_but_no_purchase_ceiling"
    },
    "destination": {
     "countries_named_and_excluded": [
      "Afghanistan",
      "Antarctica",
      "Belarus",
      "Chad",
      "Crimea",
      "Cuba",
      "Democratic Republic of Congo",
      "East Timor",
      "Haiti",
      "Iran",
      "Iraq",
      "Lebanon",
      "Liberia",
      "Libya",
      "Myanmar",
      "North Korea",
      "Pakistan",
      "Russia",
      "Somalia",
      "South Sudan",
      "Sudan",
      "Syria",
      "Uganda",
      "Venezuela",
      "Yemen",
      "Zimbabwe"
     ],
     "quotes": {
      "Afghanistan": "… policy will not cover any loss, injury or illness, dental, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country…",
      "Antarctica": "… Sri Lanka, Taiwan, Thailand and Vietnam only Worldwide* Excluding: Worldwide excluding USA, Canada, Mexico, Caribbean, Central & South America and Antarctica Worldwide* Including: Worldwide including USA, Canada, Mexico, Caribbean, Central & South America *this policy will not cover any loss, injury or illness, dental, damage or legal liability arising directly or indirectly from travel in, to or through…",
      "Belarus": "… any loss, injury or illness, dental, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is…",
      "Chad": "… injury or illness, dental, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the…",
      "Crimea": "… or illness, dental, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the…",
      "Cuba": "… dental, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European…",
      "Democratic Republic of Congo": "… dental, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC…",
      "East Timor": "… arising directly or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia…",
      "Haiti": "… directly or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to…",
      "Iran": "… or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
      "Iraq": "… indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
      "Lebanon": "… from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
      "Liberia": "… travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
      "Libya": "… to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
      "Myanmar": "… through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
      "North Korea": "… Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
      "Pakistan": "… Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
      "Russia": "… Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
      "Somalia": "… Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
      "South Sudan": "… Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
      "Sudan": "… Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
      "Syria": "… Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
      "Uganda": "… of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
      "Venezuela": "… of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
      "Yemen": "… Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
      "Zimbabwe": "… Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time"
     },
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "… Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
      "citation": {
       "quote": "Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
       "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"
      }
     },
     "government_advice_rule": {
      "present": true,
      "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"
      }
     },
     "status": "read",
     "citations": [
      {
       "quote": "policy will not cover any loss, injury or illness, dental, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country",
       "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"
      },
      {
       "quote": "Sri Lanka, Taiwan, Thailand and Vietnam only Worldwide* Excluding: Worldwide excluding USA, Canada, Mexico, Caribbean, Central & South America and Antarctica Worldwide* Including: Worldwide including USA, Canada, Mexico, Caribbean, Central & South America *this policy will not cover any loss, injury or illness, dental, damage or legal liability arising directly or indirectly from travel in, to or through",
       "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"
      },
      {
       "quote": "any loss, injury or illness, dental, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is",
       "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"
      },
      {
       "quote": "injury or illness, dental, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the",
       "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"
      },
      {
       "quote": "or illness, dental, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the",
       "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"
      },
      {
       "quote": "dental, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European",
       "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"
      },
      {
       "quote": "dental, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC",
       "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"
      },
      {
       "quote": "arising directly or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia",
       "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"
      },
      {
       "quote": "directly or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to",
       "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"
      },
      {
       "quote": "or indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
       "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"
      },
      {
       "quote": "indirectly from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
       "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"
      },
      {
       "quote": "from travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
       "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"
      },
      {
       "quote": "travel in, to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
       "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"
      },
      {
       "quote": "to or through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
       "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"
      },
      {
       "quote": "through Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
       "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"
      },
      {
       "quote": "Afghanistan, Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
       "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"
      },
      {
       "quote": "Antarctica, Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
       "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"
      },
      {
       "quote": "Belarus, Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
       "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"
      },
      {
       "quote": "Chad, Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
       "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"
      },
      {
       "quote": "Crimea, Cuba, Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
       "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"
      },
      {
       "quote": "Democratic Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
       "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"
      },
      {
       "quote": "Republic of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
       "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"
      },
      {
       "quote": "of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
       "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"
      },
      {
       "quote": "of Congo, East Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
       "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"
      },
      {
       "quote": "Timor, Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
       "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"
      },
      {
       "quote": "Haiti, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Uganda, Venezuela, Yemen, Zimbabwe or any other country which is sanctioned by the European Union, OFAC, United Nations or Australia from time to time",
       "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"
      }
     ]
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 42,
       "stated_as": "Maximum Trip Duration (If you are aged 65 or over) 42 days",
       "condition": "aged 64 or under",
       "quote": "… Pacific only 365 days if you travel to other destinations Age Limits at the date of application Maximum Trip Duration (If you are aged 64 or under) Maximum Trip Duration (If you are aged 65 or over) 42 days 42 days if you travel to Pacific only",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "Pacific only 365 days if you travel to other destinations Age Limits at the date of application Maximum Trip Duration (If you are aged 64 or under) Maximum Trip Duration (If you are aged 65 or over) 42 days 42 days if you travel to Pacific only",
        "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"
       }
      }
     ],
     "max_days_unconditional": null,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 30,
     "stated_as": "30th week of pregnancy",
     "quote": "Any claim resulting from your pregnancy or childbirth after the 30th week of pregnancy",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "Any claim resulting from your pregnancy or childbirth after the 30th week of pregnancy",
      "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"
     }
    },
    "pre_existing": {
     "cover": "excluded",
     "quote": "We are not obligated to pay a claim relating to a pre-existing medical condition if you have a Basic or Budget cover. Important limitations – Cancelling your trip before departure This policy will not cover any claims under Section A – Cancelling your trip before departure, or Section C1 – Cutting your trip short, or Section C2 – Additional emergency expenses, that result directly or indirectly from any medical…",
     "mentions": 5,
     "term_used": "existing or pre-existing condition",
     "rule": "gate.pre_existing.excluded",
     "status": "read",
     "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. Important limitations – Cancelling your trip before departure This policy will not cover any claims under Section A – Cancelling your trip before departure, or Section C1 – Cutting your trip short, or Section C2 – Additional emergency expenses, that result directly or indirectly from any medical",
      "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"
     }
    },
    "residency": {
     "required": true,
     "quote": "the unforeseeable death, injury, or illness of your relative, business associate or travelling companion who is resident in Australia and who is in Australia at the time the event occurs",
     "rule": "gate.residency.stated",
     "status": "read",
     "citation": {
      "quote": "the unforeseeable death, injury, or illness of your relative, business associate or travelling companion who is resident in Australia and who is in Australia at the time the event occurs",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=20",
      "page": 20,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "required": true,
     "quote": "Any costs which relate to return travel to Australia if you do not hold an original return ticket to Australia",
     "rule": "gate.return_ticket.stated",
     "status": "read",
     "citation": {
      "quote": "Any costs which relate to return travel to Australia if you do not hold an original return ticket to Australia",
      "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"
     }
    },
    "activity": {
     "snow_sports": {
      "cover": "optional",
      "quote": "… $500 $500 $150 per 24 hours up to $600 $200 N2 N3 N4 Winter sports equipment Single article, Pair or Set limit Winter sports equipment hire Lift pass Ski pack N5 Piste closure $50 per 24 hours up to $500 Nil N6 Avalanche cover $600 Yes Nil $200 Nil Full conditions of cover available and exclusions relating to Section N Winter sports should be read on pages 39-42 prior to purchase",
      "citation": {
       "quote": "$500 $500 $150 per 24 hours up to $600 $200 N2 N3 N4 Winter sports equipment Single article, Pair or Set limit Winter sports equipment hire Lift pass Ski pack N5 Piste closure $50 per 24 hours up to $500 Nil N6 Avalanche cover $600 Yes Nil $200 Nil Full conditions of cover available and exclusions relating to Section N Winter sports should be read on pages 39-42 prior to purchase",
       "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=15",
       "page": 15,
       "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
       "confirmed": "2026-11-05"
      }
     },
     "cruise": {
      "cover": "excluded",
      "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"
      }
     },
     "motorcycle": {
      "cover": "excluded",
      "quote": "Any property left with a Motorcycle",
      "citation": {
       "quote": "Any property left with a Motorcycle",
       "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=30",
       "page": 30,
       "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "excluded",
      "quote": "Definitions relating to this section yes 43 Tick Travel Insurance – Product Disclosure Statement firearms) Breathing observation bubble diving (maximum depth 30 metres) Bridge walking supervised by a fullytrained guide only Bungee jumps (three jumps maximum) Camel or elephant riding or trekking Canoeing (grade 1 & 2 rapids or lower) or helicopter Yes yes yes yes yes yes $200 Quad biking yes yes no…",
      "citation": {
       "quote": "Definitions relating to this section yes 43 Tick Travel Insurance – Product Disclosure Statement firearms) Breathing observation bubble diving (maximum depth 30 metres) Bridge walking supervised by a fullytrained guide only Bungee jumps (three jumps maximum) Camel or elephant riding or trekking Canoeing (grade 1 & 2 rapids or lower) or helicopter Yes yes yes yes yes yes $200 Quad biking yes yes no",
       "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=44",
       "page": 44,
       "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": [
    {
     "gate": "age",
     "why": "a floor of 65 with no refusal around it: this is a band or a benefit that changes with age, not an eligibility ceiling",
     "quote": "… to other destinations Age Limits at the date of application Maximum Trip Duration (If you are aged 64 or under) Maximum Trip Duration (If you are aged 65 or over) 42 days 42 days if you travel to Pacific only"
    },
    {
     "gate": "age",
     "why": "a floor of 80 with no refusal around it: this is a band or a benefit that changes with age, not an eligibility ceiling",
     "quote": "90 days if you travel to other destinations (unless you are aged 80 or over and select a Worldwide Including travel plan)"
    },
    {
     "gate": "age",
     "why": "a floor of 80 with no refusal around it: this is a band or a benefit that changes with age, not an eligibility ceiling",
     "quote": "35 days if you are aged 80 or over and select a Worldwide Including travel plan"
    }
   ]
  },
  {
   "group": "retail",
   "slug": "travel-insurance-direct",
   "label": "Travel Insurance Direct PDS",
   "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/",
   "insurer": "Allianz Australia Insurance Limited",
   "insurer_group": "Allianz Australia Insurance Limited",
   "content_sha256": "82d195380e76961f03602d38fb5eb29f13294c057f08cb27c0144420aca94ff9",
   "gates_carried_from_the_card_reader": [],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 74,
       "stated_as": "aged under 75",
       "scope": "option",
       "applies_to": "this optional pack",
       "plan_named": null,
       "quote": "You must be aged under 75 years at the time of issue of your Certificate of Insurance in order to purchase this optional pack",
       "rule": "gate.age.aged_under",
       "citation": {
        "quote": "You must be aged under 75 years at the time of issue of your Certificate of Insurance in order to purchase this optional pack",
        "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=17",
        "page": 17,
        "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_age": 74,
       "stated_as": "aged under 75",
       "scope": "plan",
       "applies_to": null,
       "plan_named": "Basic Plan",
       "quote": "Our Basic Plan is only available to travellers who are aged under 75 years at the time the Certificate of Insurance is issued",
       "rule": "gate.age.aged_under",
       "citation": {
        "quote": "Our Basic Plan is only available to travellers who are aged under 75 years at the time the Certificate of Insurance is issued",
        "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=5",
        "page": 5,
        "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_age": 74,
       "stated_as": "aged under 75",
       "scope": "plan",
       "applies_to": null,
       "plan_named": "Multi-Trip Plan",
       "quote": "Our Multi-Trip Plan is only available to travellers who are aged under 75 years at the time the Certificate of Insurance is issued",
       "rule": "gate.age.aged_under",
       "citation": {
        "quote": "Our Multi-Trip Plan is only available to travellers who are aged under 75 years at the time the Certificate of Insurance is issued",
        "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=5",
        "page": 5,
        "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_age": 74,
       "stated_as": "aged 75 years or over",
       "scope": "policy",
       "plan_named": null,
       "quote": "Not available to travellers aged 75 years or over at the time the Certificate of Insurance is issued",
       "rule": "gate.age.refused_at_or_over",
       "citation": {
        "quote": "Not available to travellers aged 75 years or over at the time the Certificate of Insurance is issued",
        "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=11",
        "page": 11,
        "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": null,
     "status": "read",
     "any_age": true,
     "any_age_quote": "Our Comprehensive, Domestic and Non-Medical Plans are available to travellers of all ages",
     "any_age_citation": {
      "quote": "Our Comprehensive, Domestic and Non-Medical Plans are available to travellers of all ages",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=5",
      "page": 5,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05"
     }
    },
    "destination": {
     "countries_named_and_excluded": [],
     "quotes": {},
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "Violation of sanctions, laws or regulations Providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) under this policy to the extent that the provision of such cover, payment of such claim or provision of such benefit would constitute…",
      "citation": {
       "quote": "Violation of sanctions, laws or regulations Providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) under this policy to the extent that the provision of such cover, payment of such claim or provision of such benefit would constitute",
       "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=38",
       "page": 38,
       "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "smartraveller.gov.au and www.allianzpartners.com.au/travel-insurance/travel-alerts for travel alerts or advisories for your intended destination(s)",
      "citation": {
       "quote": "smartraveller.gov.au and www.allianzpartners.com.au/travel-insurance/travel-alerts for travel alerts or advisories for your intended destination(s)",
       "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=5",
       "page": 5,
       "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
       "confirmed": "2026-11-05"
      }
     },
     "status": "read",
     "citations": []
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 360,
       "stated_as": "up to a maximum period of 12 months",
       "condition": null,
       "quote": "We will pay for treatment received and/or hospital accommodation you require up to a maximum period of 12 months after the sickness first presented itself or the injury occurred",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "We will pay for treatment received and/or hospital accommodation you require up to a maximum period of 12 months after the sickness first presented itself or the injury occurred",
        "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=21",
        "page": 21,
        "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 45,
       "stated_as": "up to 45 days",
       "condition": null,
       "quote": "You will be able to choose from up to 15 days, up to 30 days or up to 45 days",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "You will be able to choose from up to 15 days, up to 30 days or up to 45 days",
        "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=11",
        "page": 11,
        "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 30,
       "stated_as": "up to 30 days",
       "condition": null,
       "quote": "You will be able to choose from up to 15 days, up to 30 days or up to 45 days",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "You will be able to choose from up to 15 days, up to 30 days or up to 45 days",
        "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=11",
        "page": 11,
        "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 30,
       "stated_as": "up to 30 days",
       "condition": null,
       "quote": "John would choose up to 30 days as this is the duration of his longest journey",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "John would choose up to 30 days as this is the duration of his longest journey",
        "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=11",
        "page": 11,
        "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 15,
       "stated_as": "up to 15 days",
       "condition": null,
       "quote": "You will be able to choose from up to 15 days, up to 30 days or up to 45 days",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "You will be able to choose from up to 15 days, up to 30 days or up to 45 days",
        "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=11",
        "page": 11,
        "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 5,
       "stated_as": "up to a maximum of 5 consecutive days",
       "condition": null,
       "quote": "… governing the Law of the Sea, and Search and Rescue during the period of cover, we will pay you $100 for each day your cruise is diverted, up to a maximum of 5 consecutive days",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "governing the Law of the Sea, and Search and Rescue during the period of cover, we will pay you $100 for each day your cruise is diverted, up to a maximum of 5 consecutive days",
        "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=32",
        "page": 32,
        "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": 360,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 24,
     "stated_as": "24th week of your pregnancy",
     "quote": "the event occurred prior to the 24th week of your pregnancy",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "the event occurred prior to the 24th week of your pregnancy",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=14",
      "page": 14,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05"
     }
    },
    "pre_existing": {
     "cover": "assessable",
     "quote": "or ‒ a Basic Plan if you are aged 75 years or over at the time you apply for a new policy to extend your cover. Important: Cover under your new policy will not be provided: • • • for any pre-existing medical condition covered under your original policy unless you make further application for cover and Allianz Global Assistance agrees to provide cover for your pre-existing medical condition",
     "mentions": 79,
     "term_used": "existing or pre-existing condition",
     "rule": "gate.pre_existing.assessable",
     "status": "read",
     "citation": {
      "quote": "or ‒ a Basic Plan if you are aged 75 years or over at the time you apply for a new policy to extend your cover. Important: Cover under your new policy will not be provided: • • • for any pre-existing medical condition covered under your original policy unless you make further application for cover and Allianz Global Assistance agrees to provide cover for your pre-existing medical condition",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=6",
      "page": 6,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05"
     }
    },
    "residency": {
     "required": true,
     "quote": "you have a permanent home in Australia and you: ‒ are a permanent resident of Australia",
     "rule": "gate.residency.stated",
     "status": "read",
     "citation": {
      "quote": "you have a permanent home in Australia and you: ‒ are a permanent resident of Australia",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=4",
      "page": 4,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "required": true,
     "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",
     "rule": "gate.return_ticket.stated",
     "status": "read",
     "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"
     }
    },
    "activity": {
     "snow_sports": {
      "cover": "optional",
      "quote": "a Snow Pack and your claim arises from your participation in snow sport activities",
      "citation": {
       "quote": "a Snow Pack and your claim arises from your participation in snow sport activities",
       "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=7",
       "page": 7,
       "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
       "confirmed": "2026-11-05"
      }
     },
     "cruise": {
      "cover": "optional",
      "quote": "8 Optional Covers - Cruise Pack and Snow Pack Policy Benefits…",
      "citation": {
       "quote": "8 Optional Covers - Cruise Pack and Snow Pack Policy Benefits",
       "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=3",
       "page": 3,
       "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
       "confirmed": "2026-11-05"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "Return to Contents Even if you purchase the Adventure Pack, you will only be covered while riding on a motorcycle, moped, motorised scooter or quad bike if: • you hold the appropriate class of licence (excluding learners licences) in Australia for the vehicle you are driving, or a licence valid for the country you are riding in, if your Australian licence is not…",
      "citation": {
       "quote": "Return to Contents Even if you purchase the Adventure Pack, you will only be covered while riding on a motorcycle, moped, motorised scooter or quad bike if: • you hold the appropriate class of licence (excluding learners licences) in Australia for the vehicle you are driving, or a licence valid for the country you are riding in, if your Australian licence is not",
       "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=17",
       "page": 17,
       "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "optional",
      "quote": "diving underwater using an artificial breathing apparatus at a depth more than 10 metres but no greater than 30 metres (in order to be covered for this activity, you must hold an open water diving licence recognised in Australia or dive with an instructor licensed…",
      "citation": {
       "quote": "diving underwater using an artificial breathing apparatus at a depth more than 10 metres but no greater than 30 metres (in order to be covered for this activity, you must hold an open water diving licence recognised in Australia or dive with an instructor licensed",
       "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=17",
       "page": 17,
       "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": [
    {
     "gate": "age",
     "why": "a floor of 75 with no refusal around it: this is a band or a benefit that changes with age, not an eligibility ceiling",
     "quote": "or ‒ a Basic Plan if you are aged 75 years or over at the time you apply for a new policy to extend your cover"
    }
   ]
  },
  {
   "group": "retail",
   "slug": "travel-insurance-saver",
   "label": "Travel Insurance Saver PDS v1.3",
   "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf",
   "insurer": "Lloyd's of London",
   "insurer_group": "Lloyd's",
   "content_sha256": "3f664458f78e1c5e612f721a6ae857d97ce3e54970e290f9da2c6c112dc04fe3",
   "gates_carried_from_the_card_reader": [],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 90,
       "stated_as": "aged 90 or under",
       "scope": "policy",
       "applies_to": null,
       "plan_named": null,
       "quote": "This travel insurance is only available for people aged 90 or under at the time of buying this Policy",
       "rule": "gate.age.or_under",
       "citation": {
        "quote": "This travel insurance is only available for people aged 90 or under at the time of buying this Policy",
        "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=4",
        "page": 4,
        "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": 90,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [
      "Antarctica",
      "Belarus",
      "Iran",
      "North Korea",
      "Russia",
      "Ukraine"
     ],
     "quotes": {
      "Antarctica": "… the area that covers Your entire Trip:  Australia only  South Pacific including New Zealand †  Asia †*  Worldwide excluding USA, Canada and Antarctica †*  Worldwide * † other than stopovers in other areas not exceeding 48 hours * this policy will not cover any benefit, loss, cost or expense arising directly or indirectly from travel in, to or through Belarus, Iran, North Korea, Russia, Ukraine, or any…",
      "Belarus": "… not exceeding 48 hours * this policy will not cover any benefit, loss, cost or expense arising directly or indirectly from travel in, to or through Belarus, Iran, North Korea, Russia, Ukraine, or any other country which is sanctioned by European Union, OFAC (United States of America), United Kingdom, the United Nations or Australia from time to time",
      "Iran": "… 48 hours * this policy will not cover any benefit, loss, cost or expense arising directly or indirectly from travel in, to or through Belarus, Iran, North Korea, Russia, Ukraine, or any other country which is sanctioned by European Union, OFAC (United States of America), United Kingdom, the United Nations or Australia from time to time",
      "North Korea": "… 48 hours * this policy will not cover any benefit, loss, cost or expense arising directly or indirectly from travel in, to or through Belarus, Iran, North Korea, Russia, Ukraine, or any other country which is sanctioned by European Union, OFAC (United States of America), United Kingdom, the United Nations or Australia from time to time",
      "Russia": "… policy will not cover any benefit, loss, cost or expense arising directly or indirectly from travel in, to or through Belarus, Iran, North Korea, Russia, Ukraine, or any other country which is sanctioned by European Union, OFAC (United States of America), United Kingdom, the United Nations or Australia from time to time",
      "Ukraine": "… will not cover any benefit, loss, cost or expense arising directly or indirectly from travel in, to or through Belarus, Iran, North Korea, Russia, Ukraine, or any other country which is sanctioned by European Union, OFAC (United States of America), United Kingdom, the United Nations or Australia from time to time"
     },
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "… or expense arising directly or indirectly from travel in, to or through Belarus, Iran, North Korea, Russia, Ukraine, or any other country which is sanctioned by European Union, OFAC (United States of America), United Kingdom, the United Nations or Australia from time to time",
      "citation": {
       "quote": "or expense arising directly or indirectly from travel in, to or through Belarus, Iran, North Korea, Russia, Ukraine, or any other country which is sanctioned by European Union, OFAC (United States of America), United Kingdom, the United Nations or Australia from time to time",
       "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=4",
       "page": 4,
       "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
       "confirmed": "2026-11-05"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "smartraveller",
      "citation": {
       "quote": "smartraveller",
       "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"
      }
     },
     "status": "read",
     "citations": [
      {
       "quote": "the area that covers Your entire Trip:  Australia only  South Pacific including New Zealand †  Asia †*  Worldwide excluding USA, Canada and Antarctica †*  Worldwide * † other than stopovers in other areas not exceeding 48 hours * this policy will not cover any benefit, loss, cost or expense arising directly or indirectly from travel in, to or through Belarus, Iran, North Korea, Russia, Ukraine, or any",
       "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=4",
       "page": 4,
       "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "not exceeding 48 hours * this policy will not cover any benefit, loss, cost or expense arising directly or indirectly from travel in, to or through Belarus, Iran, North Korea, Russia, Ukraine, or any other country which is sanctioned by European Union, OFAC (United States of America), United Kingdom, the United Nations or Australia from time to time",
       "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=4",
       "page": 4,
       "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "48 hours * this policy will not cover any benefit, loss, cost or expense arising directly or indirectly from travel in, to or through Belarus, Iran, North Korea, Russia, Ukraine, or any other country which is sanctioned by European Union, OFAC (United States of America), United Kingdom, the United Nations or Australia from time to time",
       "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=4",
       "page": 4,
       "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "48 hours * this policy will not cover any benefit, loss, cost or expense arising directly or indirectly from travel in, to or through Belarus, Iran, North Korea, Russia, Ukraine, or any other country which is sanctioned by European Union, OFAC (United States of America), United Kingdom, the United Nations or Australia from time to time",
       "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=4",
       "page": 4,
       "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "policy will not cover any benefit, loss, cost or expense arising directly or indirectly from travel in, to or through Belarus, Iran, North Korea, Russia, Ukraine, or any other country which is sanctioned by European Union, OFAC (United States of America), United Kingdom, the United Nations or Australia from time to time",
       "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=4",
       "page": 4,
       "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "will not cover any benefit, loss, cost or expense arising directly or indirectly from travel in, to or through Belarus, Iran, North Korea, Russia, Ukraine, or any other country which is sanctioned by European Union, OFAC (United States of America), United Kingdom, the United Nations or Australia from time to time",
       "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=4",
       "page": 4,
       "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
       "confirmed": "2026-11-05"
      }
     ]
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 360,
       "stated_as": "not exceeding 12 months",
       "condition": null,
       "quote": "… person(s) or their associates making the hijack or ransom demand, and during travel direct to Your domicile and/or original destination for a period not exceeding 12 months from the date of the hijack or ransom",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "person(s) or their associates making the hijack or ransom demand, and during travel direct to Your domicile and/or original destination for a period not exceeding 12 months from the date of the hijack or ransom",
        "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"
       }
      },
      {
       "max_days": 21,
       "stated_as": "not exceeding a further 21 days",
       "condition": null,
       "quote": "… Your travel before the expiry date of the insurance for reasons which are beyond Your control, this insurance will remain in force until completion not exceeding a further 21 days without additional premium",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "Your travel before the expiry date of the insurance for reasons which are beyond Your control, this insurance will remain in force until completion not exceeding a further 21 days without additional premium",
        "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"
       }
      }
     ],
     "max_days_unconditional": 360,
     "status": "read"
    },
    "pregnancy": {
     "status": "not_stated"
    },
    "pre_existing": {
     "cover": "assessable",
     "quote": "As part of the application process and subject to completion of the online medical screening process, additional Pre- existing Medical Conditions that You may have can also be covered",
     "mentions": 10,
     "term_used": "existing or pre-existing condition",
     "rule": "gate.pre_existing.assessable",
     "status": "read",
     "citation": {
      "quote": "As part of the application process and subject to completion of the online medical screening process, additional Pre- existing Medical Conditions that You may have can also be covered",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=10",
      "page": 10,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05"
     }
    },
    "residency": {
     "required": true,
     "quote": "Australians already overseas Our insurance is appropriate if You are an Australian resident and are overseas intending to return to Australia on the date Your Policy ends",
     "rule": "gate.residency.stated",
     "status": "read",
     "citation": {
      "quote": "Australians already overseas Our insurance is appropriate if You are an Australian resident and are overseas intending to return to Australia on the date Your Policy ends",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=4",
      "page": 4,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "required": true,
     "quote": "One way travel One way travel is defined as any Trip which there is no expected date of return to Australia and/or there is no return ticket booked",
     "rule": "gate.return_ticket.stated",
     "status": "read",
     "citation": {
      "quote": "One way travel One way travel is defined as any Trip which there is no expected date of return to Australia and/or there is no return ticket booked",
      "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"
     }
    },
    "activity": {
     "snow_sports": {
      "cover": "optional",
      "quote": "… 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": "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"
      }
     },
     "cruise": {
      "cover": "excluded",
      "quote": "(b) any claim if You are confined to the onboard hospital while the cruise vessel is travelling in Australian waters",
      "citation": {
       "quote": "(b) 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"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "… motorcycle or drivers licence, or You are a passenger travelling on a moped or scooter that is in the control of a person who does not hold a current motorcycle or drivers licence valid for the country You are travelling in",
      "citation": {
       "quote": "motorcycle or drivers licence, or You are a passenger travelling on a moped or scooter that is in the control of a person who does not hold a current motorcycle or drivers licence valid for the country You are travelling in",
       "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=36",
       "page": 36,
       "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "excluded",
      "quote": "Shark Diving - in cage - (see note 1 below) • Shinty • Shooting • Skate Boarding • Sky Diving - Tandem (see note 1 below) • Snorkelling • Softball • Squash Mountain Biking (recreational only, no cover for competitive or noncompetitive downhill mountain biking) • Street…",
      "citation": {
       "quote": "Shark Diving - in cage - (see note 1 below) • Shinty • Shooting • Skate Boarding • Sky Diving - Tandem (see note 1 below) • Snorkelling • Softball • Squash Mountain Biking (recreational only, no cover for competitive or noncompetitive downhill mountain biking) • Street",
       "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=11",
       "page": 11,
       "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": []
  },
  {
   "group": "retail",
   "slug": "webjet",
   "label": "Webjet Travel Insurance PDS",
   "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf",
   "insurer": "Zurich Australian Insurance Limited",
   "insurer_group": "Zurich Australian Insurance Limited",
   "content_sha256": "3023fe0188a254930bd57b5c0f3b3ec0285d781f61369b40036b80ad31eae266",
   "gates_carried_from_the_card_reader": [],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 70,
       "stated_as": "up to 70 years of age",
       "scope": "non_resident",
       "applies_to": null,
       "plan_named": null,
       "quote": "Cover is available for travellers up to 70 years of age at the time of issue of the policy",
       "rule": "gate.age.up_to",
       "citation": {
        "quote": "Cover is available for travellers up to 70 years of age at the time of issue of the policy",
        "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=6",
        "page": 6,
        "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_age_for_purchase": null,
     "status": "read_but_no_purchase_ceiling"
    },
    "destination": {
     "countries_named_and_excluded": [
      "Crimea",
      "Cuba",
      "Donetsk",
      "Iran",
      "Luhansk",
      "North Korea",
      "Syria",
      "Ukraine"
     ],
     "quotes": {
      "Crimea": "… 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",
      "Cuba": "\u0007claims 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",
      "Donetsk": "… 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",
      "Iran": "\u0007claims 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",
      "Luhansk": "… 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",
      "North Korea": "… 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",
      "Syria": "\u0007claims 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",
      "Ukraine": "… 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"
     },
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "Sanctions regulation Notwithstanding any other terms or conditions under this policy, We shall not be deemed to provide coverage and will not make any payments nor provide any service or benefit to You or any other party to the extent that such cover, payment, service,…",
      "citation": {
       "quote": "Sanctions regulation Notwithstanding any other terms or conditions under this policy, We shall not be deemed to provide coverage and will not make any payments nor provide any service or benefit to You or any other party to the extent that such cover, payment, service,",
       "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"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "c) If Your trip involves travel to a country or part of a country the Australian Government on the smartraveller.gov.au website* has issued a “Reconsider your need to travel” or “Do not travel” advice or warning, We may not be able to provide You with emergency assistance in that country",
      "citation": {
       "quote": "c) If Your trip involves travel to a country or part of a country the Australian Government on the smartraveller.gov.au website* has issued a “Reconsider your need to travel” or “Do not travel” advice or warning, We may not be able to provide You with emergency assistance in that country",
       "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"
      }
     },
     "status": "read",
     "citations": [
      {
       "quote": "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://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=44",
       "page": 44,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "\u0007claims 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://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=44",
       "page": 44,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=44",
       "page": 44,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "\u0007claims 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://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=44",
       "page": 44,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=44",
       "page": 44,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=44",
       "page": 44,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "\u0007claims 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://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=44",
       "page": 44,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "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://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=44",
       "page": 44,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      }
     ]
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 360,
       "stated_as": "maximum overall period for Worldwide cover is 12 months",
       "condition": null,
       "quote": "For example, the maximum overall period for Worldwide cover is 12 months in total",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "For example, the maximum overall period for Worldwide cover is 12 months in total",
        "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=7",
        "page": 7,
        "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "not exceed 12 months",
       "condition": null,
       "quote": "~ Cover will not exceed 12 months from onset of the illness",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "~ Cover will not exceed 12 months from onset of the illness",
        "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=39",
        "page": 39,
        "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_days": 360,
       "stated_as": "maximum of 12 months",
       "condition": null,
       "quote": "41 Please note (v) Missed Port (Embarkation) Cover applies for a maximum of 12 months from the date of suffering the Disabling Injury, Sickness or Disease",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "41 Please note (v) Missed Port (Embarkation) Cover applies for a maximum of 12 months from the date of suffering the Disabling Injury, Sickness or Disease",
        "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=41",
        "page": 41,
        "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
        "confirmed": "2026-11-05"
       }
      }
     ],
     "max_days_unconditional": 360,
     "status": "read"
    },
    "pregnancy": {
     "max_weeks": 24,
     "stated_as": "24th week of pregnancy",
     "quote": "\u0007Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e",
     "rule": "gate.pregnancy.week",
     "status": "read",
     "citation": {
      "quote": "\u0007Cover is only provided for serious, unexpected pregnancy complications that occur up until the 24th week of pregnancy i.e",
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=15",
      "page": 15,
      "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
      "confirmed": "2026-11-05"
     }
    },
    "pre_existing": {
     "cover": "assessable",
     "quote": "… should tell Us about all Your Existing Medical Conditions including anything for which medication is prescribed so We can complete an online health assessment and, if We approve, offer You cover",
     "mentions": 50,
     "term_used": "existing or pre-existing condition",
     "rule": "gate.pre_existing.assessable",
     "status": "read",
     "citation": {
      "quote": "should tell Us about all Your Existing Medical Conditions including anything for which medication is prescribed so We can complete an online health assessment and, if We approve, offer You cover",
      "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"
     }
    },
    "residency": {
     "required": true,
     "quote": "You are a resident of Australia with a valid Australian Medicare card or currently living in Australia with a visa allowing You to live, work or study in Australia (or non-resident of Australia travelling on the Inbound plan) and will be returning Home at the completion of the Period of Insurance",
     "rule": "gate.residency.stated",
     "status": "read",
     "citation": {
      "quote": "You are a resident of Australia with a valid Australian Medicare card or currently living in Australia with a visa allowing You to live, work or study in Australia (or non-resident of Australia travelling on the Inbound plan) and will be returning Home at the completion of the Period of Insurance",
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=20",
      "page": 20,
      "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "required": null,
     "status": "not_stated"
    },
    "activity": {
     "snow_sports": {
      "cover": "optional",
      "quote": "… $1,200 $1,000 Medical device $1,200 $1,000 Jewellery $1,200 $1,000 Watch $1,200 $1,000 Any other item $1,200 $1,000 8 Adventure activities cover Snow sports: snow skiing, snowboarding and snowmobiling cover Claims involving participation by You (during the Journey) in the following activities are covered if You select this cover and pay an additional premium",
      "citation": {
       "quote": "$1,200 $1,000 Medical device $1,200 $1,000 Jewellery $1,200 $1,000 Watch $1,200 $1,000 Any other item $1,200 $1,000 8 Adventure activities cover Snow sports: snow skiing, snowboarding and snowmobiling cover Claims involving participation by You (during the Journey) in the following activities are covered if You select this cover and pay an additional premium",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=8",
       "page": 8,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      }
     },
     "cruise": {
      "cover": "optional",
      "quote": "Cruise cover – additional premium applies",
      "citation": {
       "quote": "Cruise cover – additional premium applies",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=19",
       "page": 19,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      }
     },
     "motorcycle": {
      "cover": "optional",
      "quote": "Not available on Domestic Cancellation To obtain motorcycle/moped riding cover (as the driver or pillion passenger) while You are travelling, We have options to vary cover available and You must pay an additional premium",
      "citation": {
       "quote": "Not available on Domestic Cancellation To obtain motorcycle/moped riding cover (as the driver or pillion passenger) while You are travelling, We have options to vary cover available and You must pay an additional premium",
       "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"
      }
     },
     "scuba": {
      "cover": "optional",
      "quote": "or, if qualified, diving within the guidelines of the relevant* diving or training agency or organisation and not diving alone",
      "citation": {
       "quote": "or, if qualified, diving within the guidelines of the relevant* diving or training agency or organisation and not diving alone",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=9",
       "page": 9,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": []
  },
  {
   "group": "retail",
   "slug": "zoom",
   "label": "Zoom Australia Standard PDS, 7 November 2023",
   "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf",
   "insurer": "HDI Global Speciality SE",
   "insurer_group": "HDI Global Speciality SE",
   "content_sha256": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b",
   "gates_carried_from_the_card_reader": [],
   "gates": {
    "age": {
     "gates": [
      {
       "max_age": 74,
       "stated_as": "aged 74 years and under",
       "scope": "non_resident",
       "applies_to": null,
       "plan_named": null,
       "quote": "are aged 74 years and under",
       "rule": "gate.age.or_under",
       "citation": {
        "quote": "are aged 74 years and under",
        "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"
       }
      },
      {
       "max_age": 69,
       "stated_as": "under the age of 70",
       "scope": "option",
       "applies_to": null,
       "plan_named": null,
       "quote": "PLEASE NOTE: You must be under the age of 70 at the date your certificate of insurance is issued",
       "rule": "gate.age.under_the_age_of",
       "citation": {
        "quote": "PLEASE NOTE: You must be under the age of 70 at the date your certificate of insurance is issued",
        "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=21",
        "page": 21,
        "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
        "confirmed": "2026-11-05"
       }
      },
      {
       "max_age": 69,
       "stated_as": "69 years and under",
       "scope": "plan",
       "applies_to": null,
       "plan_named": "Frequent traveller",
       "rule": "gate.age.table_row",
       "quote": "stic 85 years and under F Frequent traveller 69 years and under",
       "citation": {
        "quote": "stic 85 years and under F Frequent traveller 69 years and under",
        "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"
       }
      },
      {
       "max_age": 79,
       "stated_as": "79 years and under",
       "scope": "plan",
       "applies_to": null,
       "plan_named": "Medical Only",
       "rule": "gate.age.table_row",
       "quote": "nsurance. PLAN TYPE AGE LIMIT A Medical Only 79 years and under",
       "citation": {
        "quote": "nsurance. PLAN TYPE AGE LIMIT A Medical Only 79 years and under",
        "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"
       }
      },
      {
       "max_age": 79,
       "stated_as": "79 years and under",
       "scope": "plan",
       "applies_to": null,
       "plan_named": "Standard",
       "rule": "gate.age.table_row",
       "quote": "A Medical Only 79 years and under B Standard 79 years and under",
       "citation": {
        "quote": "A Medical Only 79 years and under B Standard 79 years and under",
        "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"
       }
      },
      {
       "max_age": 85,
       "stated_as": "85 years and under",
       "scope": "plan",
       "applies_to": null,
       "plan_named": "Comprehensive",
       "rule": "gate.age.table_row",
       "quote": " Standard 79 years and under C Comprehensive 85 years and under",
       "citation": {
        "quote": "Standard 79 years and under C Comprehensive 85 years and under",
        "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"
       }
      },
      {
       "max_age": 85,
       "stated_as": "85 years and under",
       "scope": "plan",
       "applies_to": null,
       "plan_named": "Domestic",
       "rule": "gate.age.table_row",
       "quote": " Comprehensive 85 years and under D Domestic 85 years and under",
       "citation": {
        "quote": "Comprehensive 85 years and under D Domestic 85 years and under",
        "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"
       }
      }
     ],
     "max_age_for_purchase": 85,
     "status": "read"
    },
    "destination": {
     "countries_named_and_excluded": [],
     "quotes": {},
     "sanctions_clause": {
      "present": true,
      "defers_to": "the sanctions lists named in the document. This dataset does not hold them, so a destination the document does not name is not decided here.",
      "quote": "… 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",
      "citation": {
       "quote": "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"
      }
     },
     "government_advice_rule": {
      "present": true,
      "quote": "smartraveller.gov.au for further information on epidemics and pandemics",
      "citation": {
       "quote": "smartraveller.gov.au for further information on epidemics and pandemics",
       "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"
      }
     },
     "status": "read",
     "citations": []
    },
    "trip_length": {
     "caps": [
      {
       "max_days": 180,
       "stated_as": "up to a maximum of 6 months",
       "condition": null,
       "quote": "Cover is only available up to a maximum of 6 months per one journey",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "Cover is only available up to a maximum of 6 months per one journey",
        "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"
       }
      },
      {
       "max_days": 15,
       "stated_as": "MAXIMUM TRIP DURATION OPTIONS 15 days",
       "condition": null,
       "quote": "MAXIMUM TRIP DURATION OPTIONS 15 days per one journey 45 days per one journey ZOOM TRAVEL INSURANCE PDS 6 | 84 BEFORE YOU BUY To be eligible for Frequent Traveller cover: • • • you must be 69 years of age and under",
       "rule": "gate.trip_length.maximum",
       "citation": {
        "quote": "MAXIMUM TRIP DURATION OPTIONS 15 days per one journey 45 days per one journey ZOOM TRAVEL INSURANCE PDS 6 | 84 BEFORE YOU BUY To be eligible for Frequent Traveller cover: • • • you must be 69 years of age and under",
        "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"
       }
      }
     ],
     "max_days_unconditional": 180,
     "status": "read"
    },
    "pregnancy": {
     "status": "not_stated"
    },
    "pre_existing": {
     "cover": "assessable",
     "quote": "Zoom Travel Insurance will not pay any claims relating to any pre-existing medical condition unless you completed the medical screening process, paid any relevant additional premium and received written confirmation from Zoom Travel Insurance confirming that cover has been accepted for these conditions",
     "mentions": 34,
     "term_used": "existing or pre-existing condition",
     "rule": "gate.pre_existing.assessable",
     "status": "read",
     "citation": {
      "quote": "Zoom Travel Insurance will not pay any claims relating to any pre-existing medical condition unless you completed the medical screening process, paid any relevant additional premium and received written confirmation from Zoom Travel Insurance confirming that cover has been accepted for these conditions",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=13",
      "page": 13,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05"
     }
    },
    "residency": {
     "required": true,
     "quote": "you currently reside in Australia",
     "rule": "gate.residency.stated",
     "status": "read",
     "citation": {
      "quote": "you currently reside in Australia",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=8",
      "page": 8,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "required": true,
     "quote": "hold a return ticket to Australia",
     "rule": "gate.return_ticket.stated",
     "status": "read",
     "citation": {
      "quote": "hold a return ticket to Australia",
      "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"
     }
    },
    "activity": {
     "snow_sports": {
      "cover": "optional",
      "quote": "Snow Pack – if you’re going skiing, snowboarding or participating in any other snow sports activities you must select this option",
      "citation": {
       "quote": "Snow Pack – if you’re going skiing, snowboarding or participating in any other snow sports activities you must select this option",
       "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=12",
       "page": 12,
       "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
       "confirmed": "2026-11-05"
      }
     },
     "cruise": {
      "cover": "optional",
      "quote": "76 Bicycle Pack…",
      "citation": {
       "quote": "76 Bicycle Pack",
       "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=3",
       "page": 3,
       "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
       "confirmed": "2026-11-05"
      }
     },
     "motorcycle": {
      "cover": "mentioned",
      "quote": "ZOOM TRAVEL INSURANCE PDS Moped or scooter riding you must wear a helmet",
      "citation": {
       "quote": "ZOOM TRAVEL INSURANCE PDS Moped or scooter riding you must wear a helmet",
       "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=17",
       "page": 17,
       "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
       "confirmed": "2026-11-05"
      }
     },
     "scuba": {
      "cover": "optional",
      "quote": "You must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities",
      "citation": {
       "quote": "You must hold an open water diving licence recognised in Australia or dive with an instructor licensed for these activities",
       "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=18",
       "page": 18,
       "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
       "confirmed": "2026-11-05"
      }
     }
    }
   },
   "review": [
    {
     "gate": "age",
     "why": "a floor of 86 with no refusal around it: this is a band or a benefit that changes with age, not an eligibility ceiling",
     "quote": "under Plan C (Comprehensive) and Plan D (Domestic) where at the time of the extension you are aged 86 years or over"
    },
    {
     "gate": "age",
     "why": "a floor of 80 with no refusal around it: this is a band or a benefit that changes with age, not an eligibility ceiling",
     "quote": "under Plan B (Standard) and Plan A (Medical Only) where at the time of extension you are aged 80 years or over"
    },
    {
     "gate": "age",
     "why": "a floor of 80 with no refusal around it: this is a band or a benefit that changes with age, not an eligibility ceiling",
     "quote": "if you are aged 80 years or over at the time of your extension, the period of cover cannot exceed 6 months from the start of the first of the travel dates shown on your certificate of insurance Plan F (Frequent Traveller) is an ann al lti t i lic and cann t e e tended…"
    }
   ]
  }
 ]
}