{ "generated_at": "2026-11-06T04:17:02Z", "what_this_is": "One standardised summary per Australian travel insurer: who they are, every retail brand they underwrite, what each plan covers, and what a traveller has to be able to answer. Built from the insurers' own Product Disclosure Statements and Target Market Determinations, because travel insurance has no mandated summary document the way private health insurance does.", "counts": { "insurers": 6, "brands": 12, "brands_with_terms_read": 12, "plans": 51 }, "completeness": { "is_this_every_insurer": false, "what_we_can_say": "These are the insurers behind the brands whose documents have been read. They are not every travel insurer in Australia, and the count is a floor.", "why_no_census": "There is no register of travel insurance brands and no register of travel insurers. APRA licenses general insurers without recording which of them write travel, and ASIC licenses sellers without recording product classes. So the only way to know an insurer writes travel cover in Australia is to find a brand it underwrites and read that brand's Product Disclosure Statement, which is what this dataset does.", "how_it_could_become_defensible": "Keep adding brands until the insurer count stops moving. Once new brands keep mapping to insurers already listed, the list of insurers behind the retail market can be claimed on evidence rather than asserted. The dataset is not there yet.", "brands_read": 12, "brands_identified_but_not_read": [ "1cover", "world2cover", "allianz", "nrma", "qantas", "southern-cross" ] }, "read_this_first": { "the_insurer_is_not_the_brand": "Several of these brands are the same insurer's paper. That decides who pays a claim; it does not mean the policies are the same, and the price is set by the brand.", "no_prices_here": "No premium appears in this dataset, because none is published. A travel premium is priced from the trip, so it comes from the brand: its own quote form, its phone line, or an agent or retailer that sells it. https://deepalmanac.com/au/insurance/travel/v1/quote-forms.json records what the form asks, because the form is the channel that can be read; the questions are the same whichever channel is used. Collect always_ask_the_traveller first.", "limits_are_the_best_across_plans": "headline_cover gives the most generous limit among an insurer's plans, with varies_by_plan telling you whether the cheaper plans drop it. Always name the plan when quoting a limit.", "coverage_is_partial": "Terms are read for the brands whose benefits tables could be parsed. A brand with terms null has a document that has not been read yet, not a policy with no limits." }, "answered": { "note": "Questions a traveller asks that the plan table cannot answer on its own. Every figure in an answer is computed from the files in this dataset on each run, so an answer cannot drift away from what it describes.", "answers": [ { "question": "Does my private health insurance cover medical expenses overseas?", "also_asked_as": [ "Am I covered overseas by my health fund?", "Do I need travel insurance if I have private health cover?", "Does Medibank or Bupa cover me overseas?" ], "headline": "No. Australian private health insurance pays for treatment in Australia, which is why travel insurance exists as a separate product.", "answer": "Private health insurance in Australia is regulated around treatment received in Australia. The Private Health Insurance Ombudsman's release behind the health insurance dataset in this repo covers 34 registered funds and every policy each one sells, and it carries no overseas benefit at all: there is no clinical category for it and no field recording one. So a reader holding hospital cover has nothing from it to claim against for an overseas hospital admission, which is the single most expensive thing a traveller is exposed to. 1 of the 12 brands here is a registered health fund selling travel insurance (Medibank Travel Insurance), and its travel policy does cover overseas medical expenses — but that policy is underwritten by Zurich Australian Insurance Limited, not by the fund. A health fund selling travel insurance is acting as a distributor; the risk sits with a general insurer, and that is the company that pays the claim.", "do_not": "Do not tell a reader their health fund covers them overseas because the fund’s name appears on a travel policy. The health cover and the travel policy are different products with different insurers.", "check_it_yourself": [ "https://deepalmanac.com/au/insurance/travel/v1/insurer-summary.json (plans.rows, insurer per brand)", "https://deepalmanac.com/au/insurance/health/v1/funds.json (the registered funds)" ], "health_fund_brands": [ { "brand_slug": "medibank", "brand": "Medibank Travel Insurance", "registered_fund": "Medibank", "insurer": "Zurich Australian Insurance Limited" } ], "registered_funds_in_the_health_release": 34 }, { "question": "Which plans cover overseas medical expenses with no dollar cap?", "also_asked_as": [ "Which travel insurance has unlimited medical cover?", "What is the highest overseas medical limit?" ], "headline": "23 of the 51 plans read state overseas medical cover with no dollar cap.", "answer": "Of 51 plans, 23 state overseas medical expenses with no dollar amount attached — the documents write this as 'Unlimited' — 6 state a figure, the largest being $40 million on Travel Insurance Direct (TID) Comprehensive (family), 3 state no cover, and 19 could not be read. A plan stating no cover is usually a domestic policy, which is correct rather than mean: a domestic trip has no overseas medical exposure. 'Unlimited' is also not boundless — the documents attach conditions, commonly a limit of twelve months from the onset of the illness, and the footnote markers in the stated value point at them.", "do_not": "Do not read 'Unlimited' as cover without conditions, and do not compare it against a domestic plan’s absence of overseas cover as though the domestic plan were worse.", "check_it_yourself": [ "https://deepalmanac.com/au/insurance/travel/v1/insurer-summary.json (plans.rows, limits.overseas_medical)" ] }, { "question": "Are two of these brands the same policy?", "also_asked_as": [ "Is it worth comparing these two brands?", "Do different travel insurance brands use the same insurer?" ], "headline": "They often share an insurer — 5 of these brands are underwritten by Zurich Australian Insurance Limited — but they are not the same policy.", "answer": "Zurich Australian Insurance Limited underwrites 5 of the brands here (Australia Post Travel Insurance, Budget Direct Travel Insurance, Cover-More, Medibank Travel Insurance, Webjet Travel Insurance). That means one company carries the risk and handles the claim for all of them, which is worth telling a reader comparing two of them. It does not mean the policies are the same: their wordings measurably differ, their plans carry different limits, and the price is set by the brand rather than the insurer. So two brands on one insurer are still worth comparing on price and on the limits in their own tables, while the question 'which of these insurers is behind it' has the same answer for both.", "do_not": "Do not present brands sharing an insurer as the same product, or as independent choices.", "check_it_yourself": [ "https://deepalmanac.com/au/insurance/travel/v1/underwriters.json (by_insurer, wording_overlap)" ] }, { "question": "I have travel insurance on my credit card. Do I still need a policy?", "also_asked_as": [ "Is credit card travel insurance enough?", "Does my ANZ card cover me overseas?", "Can I rely on my credit card's travel insurance?" ], "headline": "Only if the trip fits inside it. 20 of the 20 programmes read require part or all of the trip to be charged to the card before there is any cover at all, and 20 cap one journey at a stated maximum.", "answer": "Card cover is real insurance -- the document names an APRA-authorised insurer in every one of the 20 programmes read -- but it is conditional in ways a retail policy is not. Charging {spend} to the card before leaving Australia is what brings it into existence. The shortest journey limit stated is Up to thirty (30) consecutive days for cardholders, their spouses and/or dependants (cardholders, their spouses and/or dependants), on the NAB programme. 17 of them state an age at which the cover stops, the lowest being 79. 13 exclude pre-existing medical conditions outright or unless the insurer agrees to them. So the cover is worth checking before buying a policy, and worth checking against the trip rather than assumed.", "do_not": "Do not tell a traveller their card covers them without checking what has to go on the card, how long their trip is, and how old they are. Those three gates are what card cover turns on, and all three are on each programme's page.", "check_it_yourself": [ "https://deepalmanac.com/au/insurance/travel/v1/card-policies.json (facts.charge_requirement, facts.period_of_cover, facts.age_limit, each with the sentence it was read from)" ] }, { "question": "Who actually insures the travel cover on a credit card?", "also_asked_as": [ "Does my bank insure my credit card travel insurance?", "Who pays a credit card travel insurance claim?" ], "headline": "Not the bank. 3 insurers stand behind the 20 programmes read, and Allianz Australia Insurance Limited is named by 11 of them.", "answer": "A bank does not sell this insurance; it buys one policy and names its cardholders as the people who may claim on it. In every one of the 20 documents read, the cardholder's standing rests on section 48 of the Insurance Contracts Act 1984 as a third party beneficiary of a policy the bank owns. That is why there is no premium, no cooling-off period and no policy document in the cardholder's name, and why the claim is settled by the insurer or its appointed manager rather than by the bank. The insurers named are: Allianz Australia Insurance Limited, Chubb Insurance Australia Limited, Zurich Australian Insurance Limited.", "do_not": "Do not name the bank as the insurer. Several of these documents say in terms that the bank is not the issuer of the cover and does not guarantee it.", "check_it_yourself": [ "https://deepalmanac.com/au/insurance/travel/v1/card-policies.json (facts.insurer and facts.cover_basis per programme)" ] }, { "question": "How long a trip does credit card travel insurance cover?", "also_asked_as": [ "Does my credit card insurance cover a six month trip?", "What is the maximum trip length on credit card travel insurance?" ], "headline": "One journey only, and for a stated maximum: between 30 and 360 days, depending on the card.", "answer": "20 of the 20 programmes read state a maximum period for one journey, and the figure usually differs between a bank's card tiers: the premium card gets months where the entry card gets weeks. The limit runs from departure, cannot be extended by the traveller, and a journey that runs past it is uninsured from that day rather than paid at a reduced rate. For a trip longer than the card allows, the card cover is not an option and a retail policy is.", "do_not": "Do not quote one bank's number for another of its cards. The period of cover on these programmes is stated per card tier, and both figures are on the programme's page.", "check_it_yourself": [ "https://deepalmanac.com/au/insurance/travel/v1/card-policies.json (facts.period_of_cover.periods, with applies_to)" ] }, { "question": "Do all these policies let you pay extra for snow sports?", "headline": "No. 12 of the 32 policies read sell snow sports cover as a paid option; the rest either exclude it, cover it without a surcharge, or do not mention it at all.", "answer": "Of the 32 policies compared, 12 sell snow sports cover as a paid option, 8 exclude it, 5 cover it with no surcharge and 4 do not mention it at all. The division is between retail policies, which mostly sell it back, and the cover that comes with a credit card, which mostly cannot: a card programme has no purchase to attach an option to. Snow sports is the clearest case in this dataset of a benefit that is excluded as standard and sold back. Never assume it: check the policy's own row below, and for a card programme check it twice, because a programme that sells no options at all cannot add it.", "check_it_yourself": [ "https://deepalmanac.com/au/insurance/travel/v1/comparison.json (answered.snow_sports, and topics for the per-policy rows)" ], "also_asked_as": [ "Can I add ski cover to my travel insurance?", "Does travel insurance cover skiing?", "Is snowboarding covered?" ] }, { "question": "Is there anything one insurer's policies always exclude that no other insurer's do?", "headline": "2 exclusion clauses appear in every policy of one insurer and nowhere else, in wording or in subject. A further 34 are unique to an insurer in wording only: another insurer excludes the same thing in different words.", "answer": "A clause counts for an insurer when it appears in every current policy that insurer underwrites in this dataset, and in no policy of any other insurer, after amounts, numbers, insurer names and the first and second person are normalised away. An insurer with one policy here is left out: 'always' means nothing about a single document. What the comparison actually finds is that the differences between insurers here are differences in drafting. One insurer underwrites 12 of the 32 policies compared and its booklets share 21 clauses with each other in total, because each bank had its own drafted separately.", "check_it_yourself": [ "https://deepalmanac.com/au/insurance/travel/v1/comparison.json (answered.insurer_exclusions, and topics for the per-policy rows)" ], "do_not": "This compares wording, not meaning. The clauses under wording_only are drafting differences, not differences in cover, and saying otherwise would be wrong. Only the clauses under subject_unique_too are a real candidate for 'this insurer excludes something others do not', and even then the right next step is to read the other insurer's document rather than to assert it.", "also_asked_as": [ "Which insurer has the worst exclusions?", "Are some insurers stricter than others?", "Does it matter which insurer underwrites my policy?" ] }, { "question": "Is there one travel insurance policy that covers all my trips in a year?", "also_asked_as": [ "What is annual multi-trip travel insurance?", "Is annual travel insurance worth it if I travel a lot?", "Which travel insurance covers multiple trips?" ], "headline": "Yes: an annual multi-trip policy covers every trip in a year, each up to a trip length chosen when it is bought. Of the 45 plans labelled so far, 16 offer it, from Australia Post Travel Insurance, Budget Direct Travel Insurance, Cover-More, Fast Cover, Medibank Travel Insurance, RACV Travel Insurance, Travel Insurance Saver, Webjet Travel Insurance, Zoom Travel Insurance.", "answer": "An annual multi-trip policy is bought once and covers every trip taken in the year it runs, rather than one trip per policy. Each trip is covered only up to the trip length chosen when buying, and the cover is the plan's own, so an annual policy on a comprehensive plan carries that plan's limits on every trip. The plans whose documents offer it: Australia Post Travel Insurance International Comprehensive Plan; Australia Post Travel Insurance International Basic Plan; Budget Direct Travel Insurance Comprehensive; Budget Direct Travel Insurance Essential; Cover-More International Comprehensive; Cover-More International Comprehensive+; Cover-More Domestic Comprehensive; Cover-More Domestic Comprehensive+; Fast Cover Frequent Traveller Saver; Medibank Travel Insurance International Comprehensive Plan; RACV Travel Insurance Annual Multi-Trip; Travel Insurance Saver Comprehensive; Travel Insurance Saver Essentials; Webjet Travel Insurance International Travel Safe Plus; Webjet Travel Insurance International Travel Safe; Zoom Travel Insurance PLAN F FREQUENT TRAVELLER ADULT. Plans are being labelled brand by brand, so a plan missing from this list may still offer it -- its labels in plans.rows say whether it has been labelled.", "do_not": "Do not say an annual policy covers a trip longer than the trip length chosen for it, or that a plan without the label has no annual option: a missing label means not labelled or not stated.", "check_it_yourself": [ "https://deepalmanac.com/au/insurance/travel/v1/insurer-summary.json (plans.labels.by_label['annual-multi-trip'], and each plan's conditions.lines)" ] }, { "question": "Which travel insurance covers pre-existing medical conditions automatically?", "also_asked_as": [ "Which travel insurers cover pre-existing conditions?", "Is there travel insurance that covers existing conditions without a medical assessment?", "Will travel insurance cover a condition I already have?" ], "headline": "Some do, for named conditions: 20 of the 45 plans labelled, from 6 of the 12 brands (Australia Post Travel Insurance, Budget Direct Travel Insurance, Cover-More, Medibank Travel Insurance, RACV Travel Insurance, Webjet Travel Insurance), cover some named pre-existing conditions automatically. Which conditions, and on what criteria, is listed for 20 of those plans under pre_existing_conditions.automatically_covered.conditions.", "answer": "Of the 45 plans labelled, 19 cover some named conditions automatically and any other only if the insurer approves it after an assessment; 1 cover the named conditions with no approval route for others stated; 23 cover a pre-existing condition only if the insurer approves it; and 2 do not cover pre-existing conditions. The plans with some conditions covered automatically: Australia Post Travel Insurance International Comprehensive Plan; Australia Post Travel Insurance International Basic Plan; Budget Direct Travel Insurance Comprehensive; Budget Direct Travel Insurance Essential; Budget Direct Travel Insurance Basic; Cover-More International Basic; Cover-More International Comprehensive; Cover-More International Comprehensive+; Cover-More Domestic Basic; Cover-More Domestic Comprehensive; Cover-More Domestic Comprehensive+; Cover-More Inbound; Medibank Travel Insurance International Comprehensive Plan; Medibank Travel Insurance International Medical Only Plan; RACV Travel Insurance Comprehensive; RACV Travel Insurance Essentials; RACV Travel Insurance Basics; RACV Travel Insurance Annual Multi-Trip; Webjet Travel Insurance International Travel Safe Plus; Webjet Travel Insurance International Travel Safe. Which conditions those are is printed in each PDS, and is published, quoted exactly with its criteria, under the plan's pre_existing_conditions.automatically_covered (conditions, criteria_for_every_condition, who and otherwise) for the plans of Australia Post Travel Insurance, Budget Direct Travel Insurance, Cover-More, Medibank Travel Insurance, RACV Travel Insurance, Webjet Travel Insurance; for any other plan it is in the PDS at automatically_covered.pds_url.", "do_not": "Do not answer that no policy covers a pre-existing condition automatically, and do not tell a traveller their own condition is covered automatically unless it is in the plan's conditions and they meet every criterion beside it and in criteria_for_every_condition: diabetes, for one, is on some lists only under an age or with no complications, and on others not at all. Name the plan, not the brand: the treatment is per plan.", "check_it_yourself": [ "https://deepalmanac.com/au/insurance/travel/v1/insurer-summary.json (plans.rows[].pre_existing_conditions, and each plan's conditions.lines)", "https://deepalmanac.com/au/insurance/travel/v1/policies.json (brands[].pre_existing_conditions)" ] } ] }, "ordering": "By the number of retail brands an insurer underwrites. Per-insurer travel premium is not published by anyone: APRA gives the travel class as a whole and per-insurer totals across all classes, never the two together. Brands underwritten is the travel-specific measure that can be evidenced from the documents.", "headline_benefits": [ { "key": "overseas_medical", "label": "Overseas medical and hospital" }, { "key": "cancellation", "label": "Cancellation of the trip" }, { "key": "luggage_total", "label": "Luggage and personal effects" }, { "key": "rental_vehicle_excess", "label": "Rental vehicle insurance excess" }, { "key": "personal_liability", "label": "Personal liability" }, { "key": "travel_delay", "label": "Travel delay" }, { "key": "accidental_death", "label": "Accidental death" }, { "key": "cash", "label": "Cash" } ], "insurers": [ { "insurer": "Zurich Australian Insurance Limited", "legal_name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afs_licence_number": "232507", "footing": "company", "register": { "outcome": "apra_authorised", "apra_status": "authorised", "matched_on": "afs_licence_number", "asic_licensee": "ZURICH AUSTRALIAN INSURANCE LIMITED", "note": null }, "brands": [ { "brand_slug": "australia-post", "brand": "Australia Post Travel Insurance", "site": "https://auspost.com.au/travel-insurance", "product": "Comprehensive (policies issued online or by phone from 22 October 2025)", "sold_by": "Australia Post Services Pty Ltd", "sold_on_what_basis": "authorised_representative", "insurer_quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507", "insurer_citation": { "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=1", "page": 1, "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6", "confirmed": "2026-11-05" }, "documents": { "kind": "pds", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf", "label": "Australia Post Travel Insurance PDS", "content_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795", "why_the_hash_matters": "The extraction was done once against this exact text. The daily check compares this hash with the document as published now; when they differ the document has been reissued and the extraction needs re-running and re-checking by hand, which is raised as an issue rather than guessed at." }, "terms": { "plans": [ { "plan": "International Comprehensive Plan", "product": "International", "axis": "plan" }, { "plan": "International Basic Plan", "product": "International", "axis": "plan" } ], "plan_count": 2, "products": [ "International" ], "headline": { "overseas_medical": { "best": { "kind": "unlimited", "amount_aud": null, "stated": "Unlimited" }, "varies_by_plan": false, "plans_with_no_cover": 0, "plans_compared": 2, "product": "International", "as_printed": "Overseas Medical Expenses", "evidence_row": "Overseas Medical Expenses Yes $Unlimited# $Unlimited#", "citation": { "quote": "Overseas Medical Expenses", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=4", "page": 4, "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6", "confirmed": "2026-11-05", "cells": [ "Yes", "$Unlimited#", "$Unlimited#" ] } }, "luggage_total": { "best": { "kind": "amount", "amount_aud": 12000, "stated": "$12,000" }, "varies_by_plan": true, "plans_with_no_cover": 1, "plans_compared": 2, "product": "International", "as_printed": "Luggage and Personal Effects", "evidence_row": "4* Luggage and Personal Effects $12,000 $Nil", "citation": { "quote": "4* Luggage and Personal Effects", "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", "cells": [ "$12,000", "$Nil" ] } }, "rental_vehicle_excess": { "best": { "kind": "amount", "amount_aud": 10000, "stated": "$10,000" }, "varies_by_plan": true, "plans_with_no_cover": 1, "plans_compared": 2, "product": "International", "as_printed": "Rental Car Insurance Excess", "evidence_row": "8 Rental Car Insurance Excess No $10,000 $Nil", "citation": { "quote": "8 Rental Car Insurance Excess", "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", "cells": [ "No", "$10,000", "$Nil" ] } }, "personal_liability": { "best": { "kind": "amount", "amount_aud": 5000000, "stated": "$5,000,000" }, "varies_by_plan": false, "plans_with_no_cover": 0, "plans_compared": 2, "product": "International", "as_printed": "Personal Liability", "evidence_row": "16 Personal Liability No $5,000,000 $5,000,000", "citation": { "quote": "16 Personal Liability", "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", "cells": [ "No", "$5,000,000", "$5,000,000" ] } }, "travel_delay": { "best": { "kind": "amount", "amount_aud": 2000, "stated": "$2,000" }, "varies_by_plan": true, "plans_with_no_cover": 1, "plans_compared": 2, "product": "International", "as_printed": "Travel Delay", "evidence_row": "9* Travel Delay No $2,000 $Nil", "citation": { "quote": "9* Travel Delay", "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", "cells": [ "No", "$2,000", "$Nil" ] } }, "accidental_death": { "best": { "kind": "amount", "amount_aud": 25000, "stated": "$25,000^" }, "varies_by_plan": true, "plans_with_no_cover": 0, "plans_compared": 2, "product": "International", "as_printed": "Accidental Death", "evidence_row": "15* Accidental Death No $25,000^ $10,000", "citation": { "quote": "15* Accidental Death", "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", "cells": [ "No", "$25,000^", "$10,000" ] } }, "cash": { "best": { "kind": "amount", "amount_aud": 250, "stated": "$250" }, "varies_by_plan": true, "plans_with_no_cover": 1, "plans_compared": 2, "product": "International", "as_printed": "Money", "evidence_row": "7 Money No $250 $Nil", "citation": { "quote": "7 Money", "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", "cells": [ "No", "$250", "$Nil" ] } } }, "benefits_read": 23, "benefit_names_unreliable": null, "document": { "kind": "pds", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf", "label": "Australia Post Travel Insurance PDS", "content_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795", "why_the_hash_matters": "The extraction was done once against this exact text. The daily check compares this hash with the document as published now; when they differ the document has been reissued and the extraction needs re-running and re-checking by hand, which is raised as an issue rather than guessed at." }, "rows_withheld_for_review": 2 }, "application": { "cooling_off_days": 21, "cooling_off_quote": "the cooling-off period which is within 21 days of the date of purchase, We will give You Your money back", "maximum_age": null, "maximum_age_check": "not_stated", "maximum_age_note": "No maximum age is stated in prose in this brand's PDS. Where a policy has one it is usually in an eligibility table, which is not read yet, so this is unknown rather than absent.", "who_it_is_designed_for": "product is designed for travellers who want the flexibility to choose options to vary their cover", "always_ask_the_traveller": [ "The age of every traveller to be covered, not just the eldest.", "Destination, and whether the trip includes a cruise or snow sports, which are often priced or excluded separately.", "Departure and return dates, and for an annual policy the longest single trip.", "The trip cost already paid and non-refundable, which is what a cancellation limit has to cover.", "Any pre-existing medical condition, which is assessed inside the quote and can change the price or the cover.", "Whether they already hold travel cover through a credit card or health fund." ] } }, { "brand_slug": "budget-direct", "brand": "Budget Direct Travel Insurance", "site": "https://www.budgetdirect.com.au/travel-insurance.html", "product": "Comprehensive", "sold_by": "Travel Insurance Partners Pty Limited", "sold_on_what_basis": "agent_of_insurer", "insurer_quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507", "insurer_citation": { "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=22", "page": 22, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05" }, "documents": { "kind": "pds", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf", "label": "Budget Direct Travel Insurance PDS", "content_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31", "why_the_hash_matters": "The extraction was done once against this exact text. 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Deposits 1A Unforeseen Circumstances", "evidence_row": "1A Unforeseen Circumstances $Choice of Limit $Choice of Limit Not Covered $Choice of Limit", "citation": { "quote": "Section 1: Cancellation Fees and Lost Deposits", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$Choice of Limit", "$Choice of Limit", "Not Covered", "$Choice of Limit" ] }, "brand_slug": "racv" }, "luggage_total": { "best": { "kind": "amount", "amount_aud": 15000, "stated": "$15,000" }, "varies_by_plan": true, "plans_with_no_cover": 0, "plans_compared": 4, "product": "All plans", "as_printed": "Luggage and Personal Money Luggage", "evidence_row": "3A $15,000 $7,500 $2,000 $15,000", "citation": { "quote": "Luggage See specific Luggage item benefits table", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$15,000", "$7,500", "$2,000", "$15,000" ] }, "brand_slug": "racv" }, "rental_vehicle_excess": { "best": { "kind": "amount", "amount_aud": 8000, "stated": "$8,000^" }, "varies_by_plan": true, "plans_with_no_cover": 1, "plans_compared": 4, "product": "All plans", "as_printed": "Rental Car Excess", "evidence_row": "8 Rental Car Excess $8,000^ $4,000^ Not Covered $8,000^", "citation": { "quote": "Rental Car Excess", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$8,000^", "$4,000^", "Not Covered", "$8,000^" ] }, "brand_slug": "racv" }, "personal_liability": { "best": { "kind": "amount", "amount_aud": 10000000, "stated": "$10,000,000" }, "varies_by_plan": false, "plans_with_no_cover": 0, "plans_compared": 4, "product": "All plans", "as_printed": "Your Legal Liability", "evidence_row": "7 Your Legal Liability $10,000,000 $10,000,000 $10,000,000 $10,000,000", "citation": { "quote": "Your Legal Liability", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$10,000,000", "$10,000,000", "$10,000,000", "$10,000,000" ] }, "brand_slug": "racv" }, "travel_delay": { "best": { "kind": "amount", "amount_aud": 3000, "stated": "$3,000~" }, "varies_by_plan": true, "plans_with_no_cover": 1, "plans_compared": 4, "product": "All plans", "as_printed": "Travel Delay", "evidence_row": "13 Travel Delay $3,000~ $1,500~ Not Covered $3,000~", "citation": { "quote": "13 Travel Delay", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$3,000~", "$1,500~", "Not Covered", "$3,000~" ] }, "brand_slug": "racv" }, "accidental_death": { "best": { "kind": "amount", "amount_aud": 25000, "stated": "$25,000**" }, "varies_by_plan": true, "plans_with_no_cover": 1, "plans_compared": 4, "product": "All plans", "as_printed": "5 Accidental Death", "evidence_row": "5 Accidental Death $25,000** $15,000** Not Covered $25,000**", "citation": { "quote": "Section 5–24 5 Accidental Death", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$25,000**", "$15,000**", "Not Covered", "$25,000**" ] }, "brand_slug": "racv" }, "cash": { "best": { "kind": "amount", "amount_aud": 500, "stated": "$500" }, "varies_by_plan": true, "plans_with_no_cover": 1, "plans_compared": 4, "product": "All plans", "as_printed": "Personal Money", "evidence_row": "3D Personal Money $500 $250 Not Covered $500", "citation": { "quote": "3D Personal Money", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$500", "$250", "Not Covered", "$500" ] }, "brand_slug": "racv" } }, "cooling_off_days": [ 21 ] } ], "cards": { "note": "Complimentary travel insurance that comes with a credit card, read from each issuer's own document. There is no premium anywhere in this block: the cover comes with the card.", "what_this_cover_is": "A bank does not sell this insurance; it buys one policy and names its cardholders as the people who may claim on it. The cardholder is a third party beneficiary of a group policy the bank owns, not a policyholder, which is why these documents are called Policy Information Booklets rather than Product Disclosure Statements and why there is no cooling-off period and no premium. Some issuers have begun moving the same cover onto a Product Disclosure Statement instead; where that has happened the document says so and it is recorded.", "why_it_belongs_here": "A traveller asking what travel insurance to buy may already hold some. It is not interchangeable with a retail policy: in every programme read here, cover has to be earned by charging part of the trip to the card, it runs out after a stated number of months, and it stops at a stated age. An agent that cannot see those three gates will tell someone they are covered when they are not.", "findings": { "documents_read": 23, "programmes_read": 20, "counts_are_over": "the programmes whose document carries overseas travel cover. The documents read that carry none are listed under programmes_with_no_travel_cover.", "issuers_read": 18, "insurers_behind_them": [ "Allianz Australia Insurance Limited", "Chubb Insurance Australia Limited", "Zurich Australian Insurance Limited" ], "programmes_naming_an_insurer": 20, "programmes_requiring_a_charge_to_the_card": 20, "minimum_charges_aud": [ 250, 500 ], "programmes_stating_an_age_limit": 17, "age_limits_stated": [ 79, 80, 85 ], "programmes_stating_a_journey_limit": 20, "shortest_journey_limit": { "days": 30, "stated": "Up to thirty (30) consecutive days for cardholders, their spouses and/or dependants", "applies_to": "cardholders, their spouses and/or dependants", "programme_slug": "nab-card-insurance", "issuer": "NAB" }, "programmes_requiring_activation": 2, "programmes_excluding_pre_existing_conditions": 13, "programmes_covering_listed_conditions_automatically": [ "stgeorge-cards", "cba-premium-cards", "bankwest-cards", "bank-of-melbourne-cards", "banksa-cards" ], "programmes_with_a_limits_table_read": 9, "cardholder_is_not_the_policyholder": 20, "programmes_with_no_travel_cover": [ { "programme_slug": "anz-first", "issuer": "ANZ", "programme": "ANZ First credit card complimentary insurance", "page": "https://deepalmanac.com/au/insurance/travel/cards/anz-first/" }, { "programme_slug": "cba-standard-cards", "issuer": "CommBank", "programme": "CommBank credit card insurances (Low Rate, Low Fee, Awards Standard and Essentials cards)", "page": "https://deepalmanac.com/au/insurance/travel/cards/cba-standard-cards/" }, { "programme_slug": "boq-cards", "issuer": "Bank of Queensland", "programme": "BOQ credit cards complimentary insurance", "page": "https://deepalmanac.com/au/insurance/travel/cards/boq-cards/" } ] }, "read_this_first": { "it_is_not_a_substitute": "Card cover has to be earned before it exists. Every programme here that states a condition requires part or all of the trip to be charged to the card before leaving Australia, and most cap one journey at a stated number of months. A traveller who books with another card, or stays longer, has no cover from this.", "not_stated_is_not_no": "A field reading not_stated means no sentence in that document states it in terms this reader recognises -- not that the programme has no such condition. The document is linked on every row.", "no_premium": "There is none to collect. The cover comes with the card.", "not_a_census": "Suncorp Bank's programme ended with the card: its own page says the arrangement with NAB, the issuer of Suncorp Clear Options credit cards, ended on 24 November 2025, cardholders were moved to a NAB MyCard, and Suncorp Bank is now part of the ANZ group. Two Suncorp booklets are still reachable on the web but neither is linked from any live page, so neither is pinned here. Beyond that: ING, Westpac's business range, the corporate and business cards of every issuer below, and a long tail of mutuals. The programmes above are the ones a person has read; they are a floor, not a census, and a card absent from this file is not a card without cover." }, "headline_benefits": [ { "key": "overseas_medical", "label": "Overseas medical" }, { "key": "cancellation", "label": "Cancellation" }, { "key": "luggage_total", "label": "Luggage" }, { "key": "rental_vehicle_excess", "label": "Rental vehicle excess" }, { "key": "personal_liability", "label": "Personal liability" } ], "labels": { "what_they_are": "Each programme's conditions as labels, given by hand from its governing document. A label is given only where the document says it, so a missing label means not stated, not no; a programme with no labels has not been labelled yet.", "vocabulary": { "overseas": "Covers trips overseas.", "domestic": "Covers trips within Australia.", "cruise": "Covers a cruise, on the same terms as a flight (its fare paid as the policy requires).", "return-trips-only": "Only a return trip that starts and ends in Australia is covered.", "pay-whole-fare": "The whole outbound fare has to be paid with the card (or as the policy allows) before leaving.", "pay-part-fare": "A stated minimum amount of the trip has to be paid with the card, not the whole fare.", "points-count": "Paying with the card's rewards points counts as paying with the card.", "australian-residents-only": "Only people who live in Australia are covered.", "age-to-": "The age limit, as age-to-85 for 85 or younger. Where it applies to only part of the cover, the lines say which.", "overseas--days": "The longest single overseas trip covered, in days.", "domestic--days": "The longest single domestic trip covered, in days.", "pre-existing-not-covered": "Pre-existing medical conditions are not covered.", "pre-existing-if-approved": "Pre-existing medical conditions are covered only if the insurer approves them.", "activation-required": "The cover has to be activated before the trip.", "single-trip": "Covers one trip.", "annual-multi-trip": "Can be bought as an annual policy covering every trip in a year, up to a trip length chosen.", "cruise-add-on": "A multi-night cruise is covered only if cruise cover is added, for an extra premium.", "cruise-not-covered": "A multi-night ocean cruise is not covered.", "pre-existing-some-included": "Some named pre-existing medical conditions are covered automatically.", "visitors-to-australia": "For people who do not live in Australia, travelling to or within it.", "overseas--months": "The longest single overseas trip covered, where the document gives it in consecutive months rather than days (as overseas-6-months)." }, "by_label": { "activation-required": [ "westpac-cards", "cba-premium-cards" ], "age-to-79": [ "cba-premium-cards", "bankwest-cards", "amex-platinum", "qantas-money-platinum", "qantas-money-titanium", "pn-bank-cards", "beyond-bank-cards" ], "age-to-80": [ "anz-platinum-black", "nab-card-insurance", "westpac-cards", "stgeorge-cards", "mycard-cards", "bendigo-cards", "great-southern-bank-cards", "bank-of-melbourne-cards", "banksa-cards", "virgin-money-cards" ], "age-to-85": [ "macquarie-black", "macquarie-platinum" ], "australian-residents-only": [ "anz-platinum-black", "nab-card-insurance", "westpac-cards", "stgeorge-cards", "cba-premium-cards", "bankwest-cards", "macquarie-black", "macquarie-platinum", "amex-platinum", "hsbc-cards", "mycard-cards", "bendigo-cards", "great-southern-bank-cards", "bank-of-melbourne-cards", "banksa-cards", "virgin-money-cards", "qantas-money-platinum", "qantas-money-titanium", "pn-bank-cards", "beyond-bank-cards" ], "cruise": [ "anz-platinum-black", "nab-card-insurance", "cba-premium-cards", "bankwest-cards", "macquarie-black", "macquarie-platinum", "amex-platinum", "hsbc-cards", "mycard-cards", "bendigo-cards", "great-southern-bank-cards", "virgin-money-cards", "qantas-money-platinum", "qantas-money-titanium", "pn-bank-cards", "beyond-bank-cards" ], "cruise-not-covered": [ "westpac-cards" ], "domestic": [ "anz-platinum-black", "nab-card-insurance", "stgeorge-cards", "cba-premium-cards", "bankwest-cards", "macquarie-black", "macquarie-platinum", "amex-platinum", "hsbc-cards", "mycard-cards", "bendigo-cards", "bank-of-melbourne-cards", "banksa-cards", "virgin-money-cards", "qantas-money-platinum", "qantas-money-titanium", "pn-bank-cards", "beyond-bank-cards" ], "domestic-14-days": [ "nab-card-insurance", "stgeorge-cards", "cba-premium-cards", "bankwest-cards", "macquarie-black", "macquarie-platinum", "hsbc-cards", "bendigo-cards", "bank-of-melbourne-cards", "banksa-cards", "qantas-money-platinum", "qantas-money-titanium", "pn-bank-cards", "beyond-bank-cards" ], "domestic-180-days": [ "amex-platinum" ], "domestic-28-days": [ "anz-platinum-black", "nab-card-insurance", "mycard-cards", "virgin-money-cards" ], "domestic-7-days": [ "cba-premium-cards" ], "overseas": [ "anz-platinum-black", "nab-card-insurance", "westpac-cards", "stgeorge-cards", "cba-premium-cards", "bankwest-cards", "macquarie-black", "macquarie-platinum", "amex-platinum", "hsbc-cards", "mycard-cards", "bendigo-cards", "great-southern-bank-cards", "bank-of-melbourne-cards", "banksa-cards", "virgin-money-cards", "qantas-money-platinum", "qantas-money-titanium", "pn-bank-cards", "beyond-bank-cards" ], "overseas-1-months": [ "westpac-cards" ], "overseas-12-months": [ "cba-premium-cards" ], "overseas-180-days": [ "amex-platinum", "qantas-money-titanium", "pn-bank-cards", "beyond-bank-cards" ], "overseas-183-days": [ "bankwest-cards" ], "overseas-3-months": [ "anz-platinum-black", "westpac-cards", "stgeorge-cards", "cba-premium-cards", "bendigo-cards", "bank-of-melbourne-cards", "banksa-cards" ], "overseas-30-days": [ "nab-card-insurance", "qantas-money-platinum" ], "overseas-31-days": [ "bankwest-cards" ], "overseas-4-months": [ "hsbc-cards", "great-southern-bank-cards" ], "overseas-6-months": [ "anz-platinum-black", "nab-card-insurance", "stgeorge-cards", "mycard-cards", "bank-of-melbourne-cards", "banksa-cards", "virgin-money-cards" ], "overseas-90-days": [ "macquarie-black", "macquarie-platinum" ], "pay-part-fare": [ "anz-platinum-black", "nab-card-insurance", "westpac-cards", "stgeorge-cards", "cba-premium-cards", "hsbc-cards", "mycard-cards", "bendigo-cards", "great-southern-bank-cards", "bank-of-melbourne-cards", "banksa-cards", "virgin-money-cards", "qantas-money-platinum", "qantas-money-titanium", "pn-bank-cards", "beyond-bank-cards" ], "pay-whole-fare": [ "macquarie-black", "macquarie-platinum", "amex-platinum", "mycard-cards", "bendigo-cards", "virgin-money-cards", "qantas-money-platinum", "qantas-money-titanium", "pn-bank-cards", "beyond-bank-cards" ], "points-count": [ "cba-premium-cards", "macquarie-black", "macquarie-platinum", "amex-platinum", "mycard-cards", "virgin-money-cards", "qantas-money-platinum", "qantas-money-titanium" ], "pre-existing-if-approved": [ "anz-platinum-black", "nab-card-insurance", "stgeorge-cards", "cba-premium-cards", "bankwest-cards", "hsbc-cards", "mycard-cards", "bank-of-melbourne-cards", "banksa-cards", "virgin-money-cards" ], "pre-existing-not-covered": [ "westpac-cards", "macquarie-black", "macquarie-platinum", "amex-platinum", "bendigo-cards", "great-southern-bank-cards", "qantas-money-platinum", "qantas-money-titanium", "pn-bank-cards", "beyond-bank-cards" ], "pre-existing-some-included": [ "stgeorge-cards", "cba-premium-cards", "bankwest-cards", "bank-of-melbourne-cards", "banksa-cards" ], "return-trips-only": [ "anz-platinum-black", "nab-card-insurance", "westpac-cards", "stgeorge-cards", "macquarie-black", "macquarie-platinum", "amex-platinum", "hsbc-cards", "mycard-cards", "bendigo-cards", "great-southern-bank-cards", "bank-of-melbourne-cards", "banksa-cards", "virgin-money-cards", "qantas-money-platinum", "qantas-money-titanium", "pn-bank-cards", "beyond-bank-cards" ] }, "programmes_labelled": 20 }, "rows": [ { "programme_slug": "anz-platinum-black", "issuer": "ANZ", "programme": "ANZ Platinum and Black personal credit cards complimentary insurance", "issuer_page": "https://www.anz.com.au/personal/credit-cards/manage-my-card/complimentary-insurances/", "page": "https://deepalmanac.com/au/insurance/travel/cards/anz-platinum-black/", "governing_document": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf", "documents": [ { "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf", "label": "ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet dated 7 June 2024", "role": "combined", "governs": "current", "note": "ANZ's own page labels this file 'Policy Information Booklet dated 7 June 2024' and the file opens with a notice of the two replacements that follow it.", "words": 27504 }, { "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/phase-one-anz-platinum-and-black-complimentary-insurance-booklet.pdf", "label": "ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet dated 9 December 2026", "role": "combined", "governs": "forthcoming", "note": "Applies to an insurable event occurring on or after 9 December 2026.", "words": 28074 }, { "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/phase-two-anz-platinum-and-black-complimentary-insurance-booklet.pdf", "label": "ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet dated 24 March 2027", "role": "combined", "governs": "forthcoming", "note": "Applies to an insurable event occurring on or after 24 March 2027.", "words": 21327 } ], "insurer": { "name": "Allianz Australia Insurance Limited", "abn": "15000122850", "afsl": "234708", "quote": "Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708, Level 16, 10 Carrington Street, Sydney, NSW 2000, telephone 13 10 00", "citation": { "quote": "Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708, Level 16, 10 Carrington Street, Sydney, NSW 2000, telephone 13 10 00", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=6", "page": 6, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Allianz Australia Insurance Limited", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "234708" }, "group_policy_manager": { "name": "AWP Australia Pty Ltd", "quote": "AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000, telephone 1800 091 710", "citation": { "quote": "AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000, telephone 1800 091 710", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=6", "page": 6, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, "policy_owner": { "name": "ANZ", "quote": "ANZ is the policy owner", "citation": { "quote": "ANZ is the policy owner", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=7", "page": 7, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=7", "page": 7, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2024-06-07", "quote": "EFFECTIVE DATE: 7 JUNE 2024", "citation": { "quote": "EFFECTIVE DATE: 7 JUNE 2024", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=3", "page": 3, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "minimum_amount", "amount_aud": 250, "note": null, "quote": "before leaving Australia you spend at least $250 on your prepaid travel costs (i.e", "citation": { "quote": "before leaving Australia you spend at least $250 on your prepaid travel costs (i.e", "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" } }, "return_ticket": { "required": true, "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" } }, "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", "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" } }, "age_limit": { "maximum_age": 80, "stated_as": "aged under 81 years", "quote": "(for people aged under 81 years)…", "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" } }, "period_of_cover": { "periods": [ { "count": 6, "unit": "months", "applies_to": "ANZ Black Credit Card cardholders, their spouses and/or dependants", "stated": "Up to six (6) consecutive months for ANZ Black Credit Card cardholders, their spouses and/or dependants" }, { "count": 3, "unit": "months", "applies_to": "ANZ Platinum Credit Card cardholders, their spouses and/or dependants", "stated": "Up to three (3) consecutive months for ANZ Platinum 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", "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" } }, "activation": null, "pre_existing_conditions": { "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", "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" } }, "covers_offered": { "covers": [ "International Travel Insurance", "Domestic Travel Insurance", "Rental Vehicle Excess Insurance in Australia", "Purchase Protection Insurance", "Extended Warranty Insurance" ], "quote": "International Travel Insurance; Domestic Travel Insurance; Rental Vehicle Excess Insurance in Australia; Purchase Protection Insurance; Extended Warranty Insurance", "citations": [ { "quote": "International Travel Insurance", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=4", "page": 4, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" }, { "quote": "Domestic Travel Insurance", "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" }, { "quote": "Rental Vehicle Excess Insurance in Australia", "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" }, { "quote": "Purchase Protection Insurance", "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" }, { "quote": "Extended Warranty Insurance", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=6", "page": 6, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } ] }, "travel_cover": { "international": true, "domestic": true, "named_as": [ "International Travel Insurance", "Domestic Travel Insurance" ], "means": null, "quote": "Lodge your International Travel Insurance claim at: claimmanager.com.au/anz Access claim forms, 24 hours a day, 7 days a week at: travel.agaassistance.com.au/anz/make-a-claim Phone 1300 135 271 (within Australia) Enquiries Monday to Friday 8am to 7pm AEST Saturday 8am to 5pm AEST Claims Monday to…", "citation": { "quote": "Lodge your International Travel Insurance claim at: claimmanager.com.au/anz Access claim forms, 24 hours a day, 7 days a week at: travel.agaassistance.com.au/anz/make-a-claim Phone 1300 135 271 (within Australia) Enquiries Monday to Friday 8am to 7pm AEST Saturday 8am to 5pm AEST Claims Monday to", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=4", "page": 4, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, "limits": { "overseas_medical": { "stated": "$20 million", "kind": "amount", "amount_aud": 20000000, "section": "1.2", "citation": { "quote": "1.2 Overseas Emergency Medical", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=23", "page": 23, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05", "cells": [ "$20 million" ] } }, "cancellation": { "stated": "Up to a maximum total limit per cardholder or spouse of $20,000 (dependants are included in the limit available to the cardholder or spouse) except:", "kind": "amount", "amount_aud": 20000, "section": "2.1", "citation": { "quote": "2.1 Cancellation", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=24", "page": 24, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit per cardholder or spouse of $20,000 (dependants are included in the limit available to the cardholder or spouse) except:" ] } }, "luggage_total": { "stated": "Up to a maximum total limit of $12,000 per cardholder or spouse, dependants are included in the limit available to the cardholder or spouse, subject to the following limits:", "kind": "amount", "amount_aud": 12000, "section": "4.1", "citation": { "quote": "4.1 Luggage", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=26", "page": 26, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit of $12,000 per cardholder or spouse, dependants are included in the limit available to the cardholder or spouse, subject to the following limits:" ] } }, "rental_vehicle_excess": { "stated": "", "kind": "stated_in_sub_limits", "amount_aud": null, "section": "5.1", "note": "this section's limits are the sub-limits listed under it", "citation": { "quote": "5.1 Rental Vehicle Excess", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=27", "page": 27, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05" } }, "personal_liability": { "stated": "Up to a maximum total limit of $3,000,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.", "kind": "amount", "amount_aud": 3000000, "section": "6.1", "citation": { "quote": "6.1 Personal Liability", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=28", "page": 28, "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit of $3,000,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse." ] } } }, "limits_read_from": "International Travel Insurance", "not_read": [], "labels": [ "overseas", "domestic", "cruise", "return-trips-only", "pay-part-fare", "australian-residents-only", "age-to-80", "overseas-6-months", "overseas-3-months", "domestic-28-days", "pre-existing-if-approved" ], "conditions": { "lines": [ "Covers a return trip overseas once you have spent at least $250 of your prepaid travel costs, such as the return air or cruise ticket, with your ANZ Platinum or Black card before you leave Australia.", "A trip within Australia is covered if you pay the whole cost of the return domestic flight, or at least $250 of your prepaid travel costs, with the card before you go.", "You have to live in Australia, or hold a visa that lets you live here.", "For overseas cover you have to be under 81 when you meet these conditions.", "One overseas trip is covered for up to six months with an ANZ Black card or three months with an ANZ Platinum card, and a trip within Australia for up to 28 days.", "Pre-existing medical conditions are covered only if the insurer confirms in writing that they are, after an assessment you apply for before you go." ], "written_on": "2026-10-15", "written_against_sha256": "560427ecc3310dfc6ec4ab836d7f305114c8e976a5c4bcf564e3fd3d1e7c88d8" } }, { "programme_slug": "anz-first", "issuer": "ANZ", "programme": "ANZ First credit card complimentary insurance", "issuer_page": "https://www.anz.com.au/personal/credit-cards/manage-my-card/complimentary-insurances/", "page": "https://deepalmanac.com/au/insurance/travel/cards/anz-first/", "governing_document": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf", "documents": [ { "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf", "label": "ANZ First Credit Card Complimentary Insurance Policy Information Booklet", "role": "combined", "governs": "current", "note": "Pinned because ANZ links it beside the Platinum and Black booklet: a card in the same issuer's range with a different booklet is how a cardholder discovers their card is not one of the covered ones.", "words": 6350 } ], "insurer": { "name": "Allianz Australia Insurance Limited", "abn": "15000122850", "afsl": "234708", "quote": "Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708, Level 16, 10 Carrington Street, Sydney, NSW 2000, telephone 13 10 00", "citation": { "quote": "Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708, Level 16, 10 Carrington Street, Sydney, NSW 2000, telephone 13 10 00", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf#page=2", "page": 2, "document_sha256": "8dd96b7339a9e228f69045b32a916125d805e114c04a05eb91f4b139a62e75a3", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Allianz Australia Insurance Limited", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "234708" }, "group_policy_manager": { "name": "AWP Australia Pty Ltd", "quote": "AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000, telephone 1800 091 710", "citation": { "quote": "AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000, telephone 1800 091 710", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf#page=2", "page": 2, "document_sha256": "8dd96b7339a9e228f69045b32a916125d805e114c04a05eb91f4b139a62e75a3", "confirmed": "2026-11-05" } }, "policy_owner": { "name": "ANZ", "quote": "ANZ is the policy owner", "citation": { "quote": "ANZ is the policy owner", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf#page=4", "page": 4, "document_sha256": "8dd96b7339a9e228f69045b32a916125d805e114c04a05eb91f4b139a62e75a3", "confirmed": "2026-11-05" } }, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf#page=4", "page": 4, "document_sha256": "8dd96b7339a9e228f69045b32a916125d805e114c04a05eb91f4b139a62e75a3", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2024-06-07", "quote": "EFFECTIVE DATE: 7 JUNE 2024", "citation": { "quote": "EFFECTIVE DATE: 7 JUNE 2024", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf#page=1", "page": 1, "document_sha256": "8dd96b7339a9e228f69045b32a916125d805e114c04a05eb91f4b139a62e75a3", "confirmed": "2026-11-05" } }, "charge_requirement": null, "return_ticket": null, "residency": null, "age_limit": null, "period_of_cover": null, "activation": null, "pre_existing_conditions": null, "covers_offered": { "covers": [ "Purchase Protection Insurance", "Extended Warranty Insurance" ], "quote": "Purchase Protection Insurance; Extended Warranty Insurance", "citations": [ { "quote": "Purchase Protection Insurance", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf#page=3", "page": 3, "document_sha256": "8dd96b7339a9e228f69045b32a916125d805e114c04a05eb91f4b139a62e75a3", "confirmed": "2026-11-05" }, { "quote": "Extended Warranty Insurance", "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-first-complimentary-insurance-booklet.pdf#page=3", "page": 3, "document_sha256": "8dd96b7339a9e228f69045b32a916125d805e114c04a05eb91f4b139a62e75a3", "confirmed": "2026-11-05" } ] }, "travel_cover": { "international": false, "domestic": false, "named_as": null, "means": "this document carries no travel cover: it was read in full and states no travel benefit", "quote": null }, "limits": {}, "limits_read_from": null, "not_read": [], "labels": [], "conditions": null }, { "programme_slug": "nab-card-insurance", "issuer": "NAB", "programme": "NAB card insurance", "issuer_page": "https://www.nab.com.au/personal/insurance/complimentary-card-insurances", "page": "https://deepalmanac.com/au/insurance/travel/cards/nab-card-insurance/", "governing_document": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf", "documents": [ { "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf", "label": "NAB Card Insurance Policy Information Booklet effective 15 May 2026", "role": "combined", "governs": "current", "note": "The file NAB's own page links as current. It opens with a notice of change prepared 1 August 2026, which renames three of the eligible cards from 1 October 2026.", "words": 28215 } ], "insurer": { "name": "Allianz Australia Insurance Limited", "abn": "15000122850", "afsl": "234708", "quote": "Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708 of Level 16, 10 Carrington St, Sydney, NSW, 2000 The Group Policy is issued and managed by: AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street,…", "citation": { "quote": "Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708 of Level 16, 10 Carrington St, Sydney, NSW, 2000 The Group Policy is issued and managed by: AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street,", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=1", "page": 1, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Allianz Australia Insurance Limited", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "234708" }, "group_policy_manager": { "name": "AWP Australia Pty Ltd", "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street, Brisbane, QLD 4000", "citation": { "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street, Brisbane, QLD 4000", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=1", "page": 1, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, "policy_owner": null, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=7", "page": 7, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2026-05-15", "quote": "Effective 15 May 2026", "citation": { "quote": "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#page=2", "page": 2, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "minimum_amount", "amount_aud": 500, "note": null, "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account", "citation": { "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account", "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" } }, "return_ticket": { "required": true, "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" } }, "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)", "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" } }, "age_limit": { "maximum_age": 80, "stated_as": "aged under 81 years", "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" } }, "period_of_cover": { "periods": [ { "count": 6, "unit": "months", "applies_to": "cardholders, their spouses and/or dependants", "stated": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants" }, { "count": 30, "unit": "days", "applies_to": "cardholders, their spouses and/or dependants", "stated": "Up to thirty (30) consecutive days for cardholders, their spouses and/or dependants" } ], "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" } }, "activation": null, "pre_existing_conditions": { "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", "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" } }, "covers_offered": { "covers": [ "International Travel Insurance", "Domestic Travel Insurance", "Rental Vehicle Excess Insurance in Australia", "Purchase Protection Insurance", "Extended Warranty Insurance" ], "quote": "International Travel Insurance; Domestic Travel Insurance; Rental Vehicle Excess Insurance in Australia; Purchase Protection Insurance; Extended Warranty Insurance", "citations": [ { "quote": "International Travel Insurance", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=3", "page": 3, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" }, { "quote": "Domestic Travel Insurance", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=5", "page": 5, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" }, { "quote": "Rental Vehicle Excess Insurance in Australia", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=5", "page": 5, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" }, { "quote": "Purchase Protection Insurance", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=6", "page": 6, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" }, { "quote": "Extended Warranty Insurance", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=6", "page": 6, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } ] }, "travel_cover": { "international": true, "domestic": true, "named_as": [ "International Travel Insurance", "Domestic Travel Insurance" ], "means": null, "quote": "Online Lodge your International Travel Insurance claim at: claimmanager.com.au/nab Access claim forms 24 hours a day, 7 days a week at: travel.agaassistance.com.au/nab/make-a-claim Phone 1800 187 025 (within Australia) Enquiries Monday to Friday 8.00am to 7.00pm AEST Claims Monday to Friday 8.30am to…", "citation": { "quote": "Online Lodge your International Travel Insurance claim at: claimmanager.com.au/nab Access claim forms 24 hours a day, 7 days a week at: travel.agaassistance.com.au/nab/make-a-claim Phone 1800 187 025 (within Australia) Enquiries Monday to Friday 8.00am to 7.00pm AEST Claims Monday to Friday 8.30am to", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=3", "page": 3, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, "limits": { "overseas_medical": { "stated": "$20 million", "kind": "amount", "amount_aud": 20000000, "section": "1.2", "citation": { "quote": "1.2 Overseas Emergency Medical", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=26", "page": 26, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05", "cells": [ "$20 million" ] } }, "cancellation": { "stated": "Up to a maximum total limit per cardholder or spouse of $25,000 (dependants are included in the limit available to the cardholder or spouse) except:", "kind": "amount", "amount_aud": 25000, "section": "2.1", "citation": { "quote": "2.1 Cancellation", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=27", "page": 27, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit per cardholder or spouse of $25,000 (dependants are included in the limit available to the cardholder or spouse) except:" ] } }, "luggage_total": { "stated": "Up to a maximum total limit of $15,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse, subject to the following sub-limits:", "kind": "amount", "amount_aud": 15000, "section": "4.1", "citation": { "quote": "4.1 Luggage", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=28", "page": 28, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit of $15,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse, subject to the following sub-limits:" ] } }, "rental_vehicle_excess": { "stated": "", "kind": "stated_in_sub_limits", "amount_aud": null, "section": "5.1", "note": "this section's limits are the sub-limits listed under it", "citation": { "quote": "5.1 Rental Vehicle Excess", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=29", "page": 29, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05" } }, "personal_liability": { "stated": "Level 1 Cards – Up to a maximum total limit of $2,500,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. Level 2 Cards – Up to a maximum total limit of $1,000,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.", "kind": "unparsed", "amount_aud": null, "section": "6.1", "note": "the cell states a different limit for each card level", "citation": { "quote": "6.1 Personal Liability", "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=29", "page": 29, "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0", "confirmed": "2026-11-05", "cells": [ "Level 1 Cards – Up to a maximum total limit of $2,500,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse. Level 2 Cards – Up to a maximum total limit of $1,000,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse." ] } } }, "limits_read_from": "International Travel Insurance", "not_read": [], "labels": [ "overseas", "domestic", "cruise", "return-trips-only", "pay-part-fare", "australian-residents-only", "age-to-80", "overseas-6-months", "overseas-30-days", "domestic-28-days", "domestic-14-days", "pre-existing-if-approved" ], "conditions": { "lines": [ "Covers a return trip overseas once you have spent at least $500 of your prepaid travel costs, such as the return air or cruise ticket, with your NAB card before you leave Australia.", "A trip within Australia is covered if you pay the whole cost of the return domestic flight, or at least $250 of your prepaid travel costs, with the card before you go.", "You have to live in Australia, or hold a visa that lets you live here.", "For overseas cover you have to be under 81 when you meet these conditions.", "With a NAB Rewards Travel (formerly Rewards Signature) or Qantas Rewards Signature card, one trip is covered for up to six months overseas or 28 days within Australia.", "With a NAB Qantas Rewards Premium (formerly Qantas Plus) or Platinum Visa Debit card, one trip is covered for up to 30 days overseas or 14 days within Australia.", "Pre-existing medical conditions are covered only if the insurer confirms in writing that they are, after an assessment you apply for before you go." ], "written_on": "2026-10-15", "written_against_sha256": "dc2f168b95cec83626e9ec29a39ca6189a934153dc978668fc492666681678ec" } }, { "programme_slug": "westpac-cards", "issuer": "Westpac", "programme": "Westpac credit card complimentary insurance", "issuer_page": "https://www.westpac.com.au/personal-banking/credit-cards/complimentary-credit-card-insurance/", "page": "https://deepalmanac.com/au/insurance/travel/cards/westpac-cards/", "governing_document": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf", "documents": [ { "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf", "label": "Westpac Credit Card International Travel Insurance Product Disclosure Statements", "role": "international", "governs": "current", "note": "Westpac replaced the group policy booklet for travel from 1 October 2026 with Product Disclosure Statements.", "words": 38559 }, { "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_Domestic_Complimentary_Insurance_Policy_Information_Booklet.pdf", "label": "Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet", "role": "domestic", "governs": "current", "note": null, "words": 12403 }, { "url": "https://www.westpac.com.au/cc-comp-insurance", "label": "Westpac Credit Cards Complimentary Insurance Policy Information Booklet", "role": "combined", "governs": "superseded", "note": "Still the document that applies where the eligibility criteria were met before 1 October 2026, and cover under it ends on 30 September 2027. Pinned at the short URL Westpac publishes.", "words": 28092 } ], "insurer": { "name": "Allianz Australia Insurance Limited", "abn": "15000122850", "afsl": "234708", "quote": "These insurances are insured by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence 234708 Registered Office Level 16, 10 Carrington Street Sydney NSW 2000", "citation": { "quote": "These insurances are insured by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence 234708 Registered Office Level 16, 10 Carrington Street Sydney NSW 2000", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=2", "page": 2, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Allianz Australia Insurance Limited", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "234708" }, "group_policy_manager": null, "policy_owner": null, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=12", "page": 12, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2026-10-01", "quote": "Effective: 1 October 2026", "citation": { "quote": "Effective: 1 October 2026", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=1", "page": 1, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "minimum_amount", "amount_aud": 500, "note": null, "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs on your eligible card or you upgrade your cover by purchasing Comprehensive International Travel Insurance", "citation": { "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs on your eligible card or you upgrade your cover by purchasing Comprehensive International 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=15", "page": 15, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, "return_ticket": { "required": true, "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" } }, "residency": { "required": true, "quote": "are a permanent resident of Australia", "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" } }, "age_limit": { "maximum_age": 80, "stated_as": "aged under 81 years", "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" } }, "period_of_cover": { "periods": [ { "count": 3, "unit": "months", "applies_to": "cardholders, their spouses and/ or dependants from the date you commence your journey", "stated": "Up to three (3) consecutive months for cardholders, their spouses and/ or dependants from the date you commence your journey" }, { "count": 1, "unit": "months", "applies_to": "cardholders, their spouses and/or dependants from the date you commence your journey", "stated": "Up to one (1) month for 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 Level 2 Cards Up to one (1) month for cardholders, their spouses and/or dependants from the date you commence your journey The maximum period of cover available for…", "citation": { "quote": "Up to three (3) consecutive months for cardholders, their spouses and/ or dependants from the date you commence your journey Level 2 Cards Up to one (1) month for cardholders, their spouses and/or dependants from the date you commence your journey The maximum period of cover available for", "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" } }, "activation": { "required": true, "quote": "You must activate the cover and fulfil the eligibility criteria for your card type in order to access both the Complimentary International Medical Travel Insurance and the purchased cover in the Comprehensive International Travel Insurance of these Product Disclosure…", "citation": { "quote": "You must activate the cover and fulfil the eligibility criteria for your card type in order to access both the Complimentary International Medical Travel Insurance and the purchased cover in the Comprehensive International Travel Insurance of these Product Disclosure", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=5", "page": 5, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, "pre_existing_conditions": { "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", "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" } }, "covers_offered": { "covers": [ "International Travel Insurance" ], "quote": "International Travel Insurance", "citations": [ { "quote": "International 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=1", "page": 1, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } ] }, "travel_cover": { "international": true, "domestic": false, "named_as": [ "International Travel Insurance" ], "means": null, "quote": "Comprehensive International Travel Insurance These insurances are issued and managed by AWP Australia Pty Ltd trading as Allianz Global Assistance ABN 52 097 227 177 AFS Licence 245631 as an agent for Allianz Australia Insurance Limited Registered Office Level 16, 310 Ann Street Brisbane QLD 4000…", "citation": { "quote": "Comprehensive International Travel Insurance These insurances are issued and managed by AWP Australia Pty Ltd trading as Allianz Global Assistance ABN 52 097 227 177 AFS Licence 245631 as an agent for Allianz Australia Insurance Limited Registered Office Level 16, 310 Ann Street Brisbane QLD 4000", "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=2", "page": 2, "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126", "confirmed": "2026-11-05" } }, "limits": {}, "limits_read_from": "Complimentary International Medical Travel Insurance", "not_read": [], "labels": [ "overseas", "return-trips-only", "pay-part-fare", "australian-residents-only", "age-to-80", "overseas-3-months", "overseas-1-months", "activation-required", "pre-existing-not-covered", "cruise-not-covered" ], "conditions": { "lines": [ "Covers overseas medical emergencies on a return trip, once you have activated the cover in the Westpac App, Online Banking or by phone before you leave Australia.", "You also have to spend at least $500 of your prepaid travel costs with your eligible Westpac card before you leave, or buy the Comprehensive International Travel Insurance upgrade.", "You need a permanent home in Australia, and to be a permanent resident, hold a visa (not a tourist or working holiday visa) that lets you back in, or hold a Medicare card.", "Cardholders and spouses have to be under 81.", "One trip is covered for up to three months with an Altitude Black card or Low Fee Platinum, or one month with an Altitude Platinum card.", "Ocean cruises and pre-existing medical conditions are not covered." ], "written_on": "2026-10-15", "written_against_sha256": "41d433258d75047a49e26b10fe41018448beb3bed074ddd2278ce54a49bd625d" } }, { "programme_slug": "stgeorge-cards", "issuer": "St.George", "programme": "St.George credit cards complimentary insurance", "issuer_page": "https://www.stgeorge.com.au/personal/credit-cards/manage/insurance-cover", "page": "https://deepalmanac.com/au/insurance/travel/cards/stgeorge-cards/", "governing_document": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf", "documents": [ { "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf", "label": "St.George Credit Cards Complimentary Insurance Policy Information Booklet", "role": "combined", "governs": "current", "note": null, "words": 27173 } ], "insurer": { "name": "Allianz Australia Insurance Limited", "abn": "15000122850", "afsl": "234708", "quote": "Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000", "citation": { "quote": "Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=4", "page": 4, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Allianz Australia Insurance Limited", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "234708" }, "group_policy_manager": { "name": "AWP Australia Pty Ltd", "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance Level 16, 310 Ann Street, Brisbane, QLD 4000", "citation": { "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance Level 16, 310 Ann Street, Brisbane, QLD 4000", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=4", "page": 4, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } }, "policy_owner": { "name": "St.George Bank", "quote": "St.George Bank is the policy owner", "citation": { "quote": "St.George Bank is the policy owner", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=8", "page": 8, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } }, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=8", "page": 8, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2023-03-01", "quote": "Effective date:1 March 2023", "citation": { "quote": "Effective date:1 March 2023", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=1", "page": 1, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "minimum_amount", "amount_aud": 500, "note": null, "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs (i.e", "citation": { "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs (i.e", "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" } }, "return_ticket": { "required": true, "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" } }, "residency": { "required": true, "quote": "you reside in Australia and your journey begins and ends in Australia", "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" } }, "age_limit": { "maximum_age": 80, "stated_as": "aged under 81 years", "quote": "International Travel Insurance (for persons aged under 81 years) \b…", "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" } }, "period_of_cover": { "periods": [ { "count": 6, "unit": "months", "applies_to": "cardholders, their spouses and/or dependants", "stated": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants" }, { "count": 3, "unit": "months", "applies_to": "cardholders, their spouses and/or dependants", "stated": "Up to three (3) consecutive months for cardholders, their spouses and/or dependants" } ], "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants Level 2 Cards Up to three (3) consecutive months for cardholders, their spouses and/or dependants The maximum period of cover available for your journey cannot be extended by you", "citation": { "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants Level 2 Cards Up to three (3) consecutive months for cardholders, their spouses and/or dependants The maximum period of cover available for your journey cannot be extended by you", "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" } }, "activation": null, "pre_existing_conditions": { "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", "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" }, "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "Allergies", "Asthma", "Cataracts/Glaucoma", "Coeliac Disease", "Diabetes/Glucose Intolerance", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Gout", "Hiatus Hernia", "Hip/Knee Replacement", "Hypertension (High Blood Pressure)" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "ebcb79856e5fd69b433698cf86c658ac3536ee87dcd30f185213c123e2da99f9", "term_used": "pre-existing medical condition", "section": { "quote": "Pre-existing medical conditions that are covered (some restrictions apply)", "page": 34 }, "who": [ { "line": "The travel cover, and so the list, is only for people aged under 81 when they become eligible for the cover.", "quote": "you are aged under eighty one (81) years at the time you become eligible for the cover available", "page": 22 } ], "lead": { "line": "A condition in the table is covered without assessment if it meets that condition's requirements.", "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", "page": 34 }, "criteria_for_every_condition": [], "count": 13, "conditions": [ { "name": "Acne", "criteria": [ "If you have not required treatment by a medical adviser in the last three (3) consecutive months" ], "page": 34 }, { "name": "Allergies", "criteria": [ "If the condition has not required treatment by a medical adviser in the last nine (9) consecutive months and you have no known respiratory conditions e.g. Asthma" ], "page": 34 }, { "name": "Asthma", "criteria": [ "If no exacerbation requiring treatment by a medical adviser in the last twelve (12) consecutive months" ], "page": 34 }, { "name": "Cataracts/Glaucoma", "criteria": [ "If you have no ongoing complications, are not on a waiting list for an operation and have not been operated on in the last two (2) consecutive months" ], "page": 34 }, { "name": "Coeliac Disease", "criteria": [ "If the condition has not required treatment by a medical adviser in the last six (6) consecutive months" ], "page": 34 }, { "name": "Diabetes/Glucose Intolerance", "criteria": [ "If you were diagnosed over twelve (12) consecutive months ago and have not had any complications in the last twelve (12) consecutive months", "You must also have a Blood Sugar Level reading between four (4) and twelve (12) or a HbA1C score of nine per cent (9%) or less", "You must also not currently be undergoing treatment for kidney, eye or nerve complications" ], "page": 35 }, { "name": "Ear Grommets", "criteria": [ "With no current infection" ], "page": 35 }, { "name": "Epilepsy", "criteria": [ "If there are no underlying medical conditions (e.g. Previous head trauma, stroke) and you have not required treatment by a medical adviser for a seizure in the last two (2) consecutive years" ], "page": 35 }, { "name": "Gastric Reflux", "criteria": [ "If the condition does not relate to another underlying diagnosis (e.g. Hernia/Gastric Ulcer)" ], "page": 35 }, { "name": "Gout", "criteria": [ "If the gout has remained stable for the last nine (9) consecutive months" ], "page": 35 }, { "name": "Hiatus Hernia", "criteria": [ "If no surgery is planned" ], "page": 35 }, { "name": "Hip/Knee Replacement", "criteria": [ "If performed more than nine (9) consecutive months ago and less than ten (10) consecutive years ago" ], "page": 35 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "If you have no known heart conditions and your current blood pressure reading is lower than one hundred and sixty five over ninety five (165/95)" ], "page": 35 } ], "notes": [ { "line": "A listed condition that does not meet its requirements can still be put forward for assessment.", "quote": "If your condition is listed in the table, but the criteria for cover are not met, you may still apply for assessment of whether the pre-existing medical condition you have is covered by the group policy", "page": 34 } ], "otherwise": [ { "line": "A pre-existing condition that is not covered is excluded from every claim.", "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", "page": 33 }, { "line": "Before travelling you can ask Allianz Global Assistance to assess the condition, online or by phone.", "quote": "Before going overseas, you can apply for assessment of whether your pre-existing medical condition is covered by the group policy online or over the phone", "page": 33 }, { "line": "If Allianz accepts it, a $45 administration fee is payable, by phone or online.", "quote": "you will need to pay an administration fee of $45 for assessment by phone or an administration fee of $45 for an online assessment", "page": 33 } ], "document_cited": { "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/card-policies.json programmes[programme_slug=stgeorge-cards].facts.pre_existing_conditions.automatically_covered" } }, "covers_offered": { "covers": [ "International Travel Insurance", "Interstate Flight Inconvenience Insurance", "Purchase Protection Insurance", "Extended Warranty Insurance", "Overseas Transit Accident Insurance" ], "quote": "International Travel Insurance; Interstate Flight Inconvenience Insurance; Purchase Protection Insurance; Extended Warranty Insurance; Overseas Transit Accident Insurance", "citations": [ { "quote": "International Travel Insurance", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3", "page": 3, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" }, { "quote": "Interstate Flight Inconvenience Insurance", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=6", "page": 6, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" }, { "quote": "Purchase Protection Insurance", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=7", "page": 7, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" }, { "quote": "Extended Warranty Insurance", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=7", "page": 7, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" }, { "quote": "Overseas Transit Accident Insurance", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=6", "page": 6, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } ] }, "travel_cover": { "international": true, "domestic": true, "named_as": [ "International Travel Insurance", "Interstate Flight Inconvenience Insurance" ], "means": null, "quote": "Letter of Eligibility for International Travel Insurance You can obtain written confirmation of eligibility for cover for your overseas journey based on the answers you give us, by applying online at: checkyourcover.com.au/stgeorge If you provide us with incorrect answers to the questions we ask you, you may not be…", "citation": { "quote": "Letter of Eligibility for International Travel Insurance You can obtain written confirmation of eligibility for cover for your overseas journey based on the answers you give us, by applying online at: checkyourcover.com.au/stgeorge If you provide us with incorrect answers to the questions we ask you, you may not be", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3", "page": 3, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05" } }, "limits": { "overseas_medical": { "stated": "Unlimited~", "kind": "unlimited", "amount_aud": null, "section": "1.2", "citation": { "quote": "1.2 Overseas Emergency Medical", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=25", "page": 25, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05", "cells": [ "Unlimited~" ] } }, "cancellation": { "stated": "Unlimited~ except:", "kind": "unlimited", "amount_aud": null, "section": "2.1", "citation": { "quote": "2.1 Cancellation", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=25", "page": 25, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05", "cells": [ "Unlimited~ except:" ] } }, "luggage_total": { "stated": "Up to $20,000 per person up to a maximum total limit of $30,000 for a cardholder travelling with their spouse and/or dependants subject to the following limits: • Up to $5,000 per item for baggage, clothing, personal valuables, portable electrical equipment and binoculars; • Up to $5,500 per camera for cameras and associated equipment/accessories; • Up to $5,500 in total for laptop computers and associated equipment/accessories.", "kind": "amount", "amount_aud": 30000, "section": "4.1.1 a]", "citation": { "quote": "4.1.1 a] Luggage", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=27", "page": 27, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05", "cells": [ "Up to $20,000 per person up to a maximum total limit of $30,000 for a cardholder travelling with their spouse and/or dependants subject to the following limits: • Up to $5,000 per item for baggage, clothing, personal valuables, portable electrical equipment and binoculars; • Up to $5,500 per camera for cameras and associated equipment/accessories;", "• Up to $5,500 in total for laptop computers and associated equipment/accessories." ] } }, "rental_vehicle_excess": { "stated": "Up to a maximum total limit of $5,500.", "kind": "amount", "amount_aud": 5500, "section": "5.1", "citation": { "quote": "5.1 Rental Vehicle Excess", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=28", "page": 28, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit of $5,500." ] } }, "personal_liability": { "stated": "Up to a maximum total limit of $2,500,000.", "kind": "amount", "amount_aud": 2500000, "section": "6.1", "citation": { "quote": "6.1 Personal Liability", "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=28", "page": 28, "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit of $2,500,000." ] } } }, "limits_read_from": "International Travel Insurance", "not_read": [], "labels": [ "overseas", "domestic", "return-trips-only", "pay-part-fare", "australian-residents-only", "age-to-80", "overseas-6-months", "overseas-3-months", "domestic-14-days", "pre-existing-if-approved", "pre-existing-some-included" ], "conditions": { "lines": [ "Covers a trip overseas that starts and ends in Australia, once you hold a return ticket and have spent at least $500 of your prepaid travel costs with your St.George card before you leave.", "A return interstate flight is covered, for cancellation, delays and luggage, if you pay its whole fare (apart from taxes and charges) with the card before you go.", "You have to live in Australia.", "For overseas cover you have to be under 81 when you meet these conditions.", "One overseas trip is covered for up to six months with an Amplify Signature, Vertigo Platinum, Platinum Mastercard or Visa Platinum Private Clients card, or three months with an Amplify Platinum, Platinum Advantage or Gold card. An interstate trip is covered for up to 14 days.", "Some listed pre-existing medical conditions are covered automatically if you meet their requirements; others only if the insurer confirms in writing after an assessment." ], "written_on": "2026-10-15", "written_against_sha256": "ebcb79856e5fd69b433698cf86c658ac3536ee87dcd30f185213c123e2da99f9" } }, { "programme_slug": "cba-premium-cards", "issuer": "CommBank", "programme": "CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards)", "issuer_page": "https://www.commbank.com.au/travel/travel-insurance/travel-insurance-included.html", "page": "https://deepalmanac.com/au/insurance/travel/cards/cba-premium-cards/", "governing_document": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf", "documents": [ { "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf", "label": "CommBank Credit Card Insurances Product Disclosure Statement and Information Booklet", "role": "combined", "governs": "current", "note": null, "words": 27215 } ], "insurer": { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "quote": "Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507 (referred to as “we, our and us” in relation to the insurance), its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover‑More) as well as the Commonwealth Bank and other…", "citation": { "quote": "Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507 (referred to as “we, our and us” in relation to the insurance), its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover‑More) as well as the Commonwealth Bank and other", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=2", "page": 2, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Zurich Australian Insurance Limited", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": null }, "group_policy_manager": null, "policy_owner": null, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "cardholders solely by operation of section 48 of the Insurance Contracts Act 1984", "citation": { "quote": "cardholders solely by operation of section 48 of the Insurance Contracts Act 1984", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=45", "page": 45, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2025-10-29", "quote": "Effective 29 October 2025", "citation": { "quote": "Effective 29 October 2025", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=1", "page": 1, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "minimum_amount", "amount_aud": 500, "note": "the sentence this was read from does not say whether it is the overseas or the domestic figure", "quote": "card to spend at least $500 in a single transaction on your prepaid travel costs before leaving Australia and/ or a copy of the letter/statement/email confirming the redemption of your CommBank Awards points through the CommBank Awards Program or using Travel Booking travel credits on…", "citation": { "quote": "card to spend at least $500 in a single transaction on your prepaid travel costs before leaving Australia and/ or a copy of the letter/statement/email confirming the redemption of your CommBank Awards points through the CommBank Awards Program or using Travel Booking travel credits on", "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" } }, "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)", "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" } }, "residency": null, "age_limit": null, "period_of_cover": { "periods": [ { "count": 12, "unit": "months", "applies_to": "Upgrades", "stated": "12 months for Upgrades" }, { "count": 3, "unit": "months", "applies_to": "Benefits 1-3, limits are the combined limit for a cardholder and their family per journey and not per person unless specified", "stated": "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" }, { "count": 12, "unit": "months", "applies_to": "Benefits 1-3, limits are the combined limit for a cardholder and their family per journey and not per person unless specified", "stated": "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" } ], "quote": "commencing within 12 months of activation", "citation": { "quote": "commencing within 12 months of activation", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4", "page": 4, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } }, "activation": { "required": true, "quote": "The cardholder will need to complete the 2 steps to activate the Overseas Travel Policy and then apply for the Extension of period of cover Upgrade", "citation": { "quote": "The cardholder will need to complete the 2 steps to activate the Overseas Travel Policy and then apply for the Extension of period of cover 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" } }, "pre_existing_conditions": { "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", "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" }, "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Cleft Palate", "Cochlear Implant", "Coeliac Disease", "Congenital Adrenal Hyperplasia", "Congenital Blindness", "Congenital Deafness", "Conjunctivitis", "Dengue Fever", "Dry Eye Syndrome", "Dupuytrens Contracture", "Eczema", "Gastric Reflux (GORD)", "Glaucoma", "Gout", "Hay Fever", "Hormone Replacement Therapy", "Hypothyroidism including Hashimoto’s Disease", "Lipoma", "Macular Degeneration", "Meniere’s Disease", "Rhinitis", "Rosacea", "Sinusitis", "Tinnitus", "Anxiety", "Asthma", "Diabetes (type 1 or type 2) or glucose intolerance", "Depression", "Ear Grommets", "Hiatus Hernia", "Hypercholesterolaemia (High Cholesterol)", "Hyperlipidaemia (High Blood Lipids)", "Hypertension (High Blood Pressure)", "Pregnancy" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "d1eebe4c665df77fff9139ed38d287dd927610e33e0f68816e115111a67a7b4c", "term_used": "existing medical condition", "section": { "quote": "Automatically accepted existing medical conditions", "page": 12 }, "who": [ { "line": "The list applies to travellers aged 79 and under.", "quote": "Existing medical conditions for persons aged 79 years and under", "page": 11 }, { "line": "Anyone aged 80 or over, and anyone with an existing medical condition not on the list, has to activate the Overseas Travel Policy and apply for an Upgrade to be covered under Benefits 1, 2, 4 and 5.", "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.", "page": 22 } ], "lead": { "line": "A condition in the tables is covered automatically if all three criteria below are met.", "quote": "We automatically accept cover for an existing medical condition shown in the tables following, provided:", "page": 12 }, "criteria_for_every_condition": [ { "line": "No hospital stay, day surgery or emergency department visit for the condition in the 12 months before.", "quote": "in the 12 months prior to the relevant time, you have not been hospitalised (including day surgery or emergency department attendance) for that condition", "page": 12 }, { "line": "Never had surgery on a joint, the back, spine, brain or abdomen for the condition that needed at least an overnight hospital stay.", "quote": "prior to the relevant time, you have not had surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay in hospital for that condition", "page": 12 }, { "line": "The condition meets its own criteria in the table, where it has any.", "quote": "your condition meets any criteria shown for that condition", "page": 12 } ], "count": 39, "conditions": [ { "name": "Acne", "criteria": [], "page": 12 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [], "page": 12 }, { "name": "Bunions", "criteria": [], "page": 12 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 12 }, { "name": "Cataracts", "criteria": [], "page": 12 }, { "name": "Cleft Palate", "criteria": [], "page": 12 }, { "name": "Cochlear Implant", "criteria": [], "page": 12 }, { "name": "Coeliac Disease", "criteria": [], "page": 12 }, { "name": "Congenital Adrenal Hyperplasia", "criteria": [], "page": 12 }, { "name": "Congenital Blindness", "criteria": [], "page": 12 }, { "name": "Congenital Deafness", "criteria": [], "page": 12 }, { "name": "Conjunctivitis", "criteria": [], "page": 12 }, { "name": "Dengue Fever", "criteria": [], "page": 12 }, { "name": "Dry Eye Syndrome", "criteria": [], "page": 12 }, { "name": "Dupuytrens Contracture", "criteria": [], "page": 12 }, { "name": "Eczema", "criteria": [], "page": 12 }, { "name": "Gastric Reflux (GORD)", "criteria": [], "page": 12 }, { "name": "Glaucoma", "criteria": [], "page": 12 }, { "name": "Gout", "criteria": [], "page": 12 }, { "name": "Hay Fever", "criteria": [], "page": 12 }, { "name": "Hormone Replacement Therapy", "criteria": [], "page": 12 }, { "name": "Hypothyroidism including Hashimoto’s Disease", "criteria": [], "page": 12 }, { "name": "Lipoma", "criteria": [], "page": 12 }, { "name": "Macular Degeneration", "criteria": [], "page": 12 }, { "name": "Meniere’s Disease", "criteria": [], "page": 12 }, { "name": "Rhinitis", "criteria": [], "page": 12 }, { "name": "Rosacea", "criteria": [], "page": 12 }, { "name": "Sinusitis", "criteria": [], "page": 12 }, { "name": "Tinnitus", "criteria": [], "page": 12 }, { "name": "Anxiety", "criteria": [ "you have not been diagnosed with Depression in the last 3 years", "in the last 12 months, your prescribed medication hasn’t changed", "you are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "you have not previously been required to cancel or curtail your travel plans due to your Anxiety" ], "page": 12 }, { "name": "Asthma", "criteria": [ "are under 60 years of age", "have not smoked for at least the last 18 months", "do not need prescribed oxygen outside of a hospital", "have no other lung condition or disease including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 12 }, { "name": "Diabetes (type 1 or type 2) or glucose intolerance", "criteria": [ "First diagnosed more than 6 months ago", "No complications in last 12 months", "No kidney, eye or neuropathy complications", "No cardiovascular disease" ], "page": 12 }, { "name": "Depression", "criteria": [ "you have not been hospitalised for this condition in the last 2 years", "in the last 12 months, your prescribed medication hasn’t changed", "you are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "you have not previously been required to cancel or curtail your travel plans due to your Depression" ], "page": 12 }, { "name": "Ear Grommets", "criteria": [ "Provided no current infection" ], "page": 12 }, { "name": "Hiatus Hernia", "criteria": [ "Provided no surgery is planned" ], "page": 12 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "Provided no cardiovascular disease and/or no diabetes" ], "page": 13 }, { "name": "Hyperlipidaemia (High Blood Lipids)", "criteria": [ "Provided no cardiovascular disease and/or no diabetes" ], "page": 13 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "Provided no cardiovascular disease and/or no diabetes" ], "page": 13 }, { "name": "Pregnancy", "criteria": [ "If it is a single, uncomplicated pregnancy – cover up to the 24th week i.e. up to 23 weeks, 6 days provided:", "the conception was not medically assisted e.g. using assisted fertility treatment including hormone therapies or in vitro fertilisation (IVF)" ], "page": 13 } ], "notes": [ { "line": "Diabetes, high cholesterol, high blood lipids and high blood pressure (marked * in the table) are not covered automatically for anyone with a history of cardiovascular disease that is an existing medical condition.", "quote": "If you have a history of cardiovascular disease, and it is an existing medical condition, cover for these conditions are also excluded.", "page": 13 } ], "otherwise": [ { "line": "Any other existing medical condition is not covered at all.", "quote": "If your existing medical condition is not automatically accepted above we will not provide any cover for any claims which in any way relate to, or are exacerbated by, that condition.", "page": 13 }, { "line": "Cover for it can be applied for as the Existing medical conditions Upgrade, for an extra premium if accepted.", "quote": "If you want to take cover for existing medical condition(s), you will need to apply for an Existing medical conditions Upgrade.", "page": 13 }, { "line": "An accepted application costs an extra premium.", "quote": "If we accept your application for cover of existing medical conditions, an extra premium is payable to us.", "page": 13 } ], "document_cited": { "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/card-policies.json programmes[programme_slug=cba-premium-cards].facts.pre_existing_conditions.automatically_covered" } }, "covers_offered": { "covers": [ "Overseas Travel Policy" ], "quote": "Overseas Travel Policy", "citations": [ { "quote": "Overseas Travel Policy", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=2", "page": 2, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } ] }, "travel_cover": { "international": true, "domestic": false, "named_as": [ "Overseas Travel Policy" ], "means": null, "quote": "Steps to access the Overseas Travel Policy…", "citation": { "quote": "Steps to access the Overseas Travel Policy", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=2", "page": 2, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05" } }, "limits": { "personal_liability": { "stated": "$2,500,000", "kind": "amount", "amount_aud": 2500000, "section": "3", "citation": { "quote": "Personal Liability", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4", "page": 4, "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a", "confirmed": "2026-11-05", "cells": [ "$2,500,000", "$2,500,000", "$2,500,000", "$2,500,000" ] } } }, "limits_read_from": "Overseas Travel Policy", "not_read": [], "labels": [ "overseas", "domestic", "cruise", "pay-part-fare", "points-count", "australian-residents-only", "activation-required", "age-to-79", "overseas-3-months", "overseas-12-months", "domestic-14-days", "domestic-7-days", "pre-existing-some-included", "pre-existing-if-approved" ], "conditions": { "lines": [ "Covers a trip overseas once you have spent at least $500 in one transaction on its prepaid travel costs with your eligible CommBank card before you leave Australia. Paying that $500 with CommBank Awards points also counts.", "You have to activate the cover in NetBank, the CommBank app or with Cover-More for each trip; if you activate after you leave, there is no cover for the first 3 days.", "You have to live in Australia.", "If you are 80 or over, overseas medical, funeral and some cancellation cover is not included unless you buy the over-80 upgrade.", "One overseas trip is covered for up to 3 months with a Gold, Platinum or Qantas Business Rewards card, or 12 months with a Diamond, Smart Awards or Ultimate Awards card. A cruise around Australia counts for overseas medical cover.", "A return interstate flight is covered if you pay its whole cost with a Platinum, Diamond, Smart Awards, Ultimate Awards or Qantas Business Rewards card, for up to 14 days on a personal card or 7 days on a business Platinum or Qantas Business Rewards card.", "Some listed pre-existing medical conditions are covered automatically if you are 79 or under; others only if your application for the existing medical conditions upgrade is accepted and you pay its premium." ], "written_on": "2026-10-15", "written_against_sha256": "d1eebe4c665df77fff9139ed38d287dd927610e33e0f68816e115111a67a7b4c" } }, { "programme_slug": "cba-standard-cards", "issuer": "CommBank", "programme": "CommBank credit card insurances (Low Rate, Low Fee, Awards Standard and Essentials cards)", "issuer_page": "https://www.commbank.com.au/travel/travel-insurance/travel-insurance-included.html", "page": "https://deepalmanac.com/au/insurance/travel/cards/cba-standard-cards/", "governing_document": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf", "documents": [ { "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf", "label": "CommBank Credit Card Insurances Booklet (Low Rate Standard, Low Fee Standard, Awards Standard and Essentials)", "role": "combined", "governs": "current", "note": "Pinned beside the premium booklet for the same reason as ANZ First: the shorter booklet is how a cardholder finds out which insurances their card does not carry.", "words": 7578 } ], "insurer": { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "quote": "Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507 (referred to as “we, our and us” in relation to the insurance), its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover‑More) as well as the Commonwealth Bank and other…", "citation": { "quote": "Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507 (referred to as “we, our and us” in relation to the insurance), its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover‑More) as well as the Commonwealth Bank and other", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf#page=2", "page": 2, "document_sha256": "3379fe978510c7fc6b7e952e1839c8e2d6386b68c4351e583fd81ab661fd6815", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Zurich Australian Insurance Limited", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": null }, "group_policy_manager": null, "policy_owner": null, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "cardholders solely by operation of section 48 of the Insurance Contracts Act 1984", "citation": { "quote": "cardholders solely by operation of section 48 of the Insurance Contracts Act 1984", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf#page=13", "page": 13, "document_sha256": "3379fe978510c7fc6b7e952e1839c8e2d6386b68c4351e583fd81ab661fd6815", "confirmed": "2026-11-05" } }, "effective_date": null, "charge_requirement": null, "return_ticket": null, "residency": null, "age_limit": null, "period_of_cover": null, "activation": null, "pre_existing_conditions": null, "covers_offered": { "covers": [ "Extended Warranty Insurance" ], "quote": "Extended Warranty Insurance", "citations": [ { "quote": "Extended Warranty Insurance", "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf#page=3", "page": 3, "document_sha256": "3379fe978510c7fc6b7e952e1839c8e2d6386b68c4351e583fd81ab661fd6815", "confirmed": "2026-11-05" } ] }, "travel_cover": { "international": false, "domestic": false, "named_as": null, "means": "this document carries no travel cover: it was read in full and states no travel benefit", "quote": null }, "limits": {}, "limits_read_from": null, "not_read": [ "benefit limits" ], "labels": [], "conditions": null }, { "programme_slug": "bankwest-cards", "issuer": "Bankwest", "programme": "Bankwest credit card insurance", "issuer_page": "https://www.bankwest.com.au/support/credit-cards/complimentary-insurance", "page": "https://deepalmanac.com/au/insurance/travel/cards/bankwest-cards/", "governing_document": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf", "documents": [ { "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf", "label": "Bankwest Credit Card Insurance Product Disclosure Statement and Information Booklet", "role": "combined", "governs": "current", "note": "The only insurance document Bankwest's own complimentary insurance page links.", "words": 27604 } ], "insurer": { "name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afsl": "232507", "quote": "Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507 (referred to as “we”, “our” and “us” in relation to the insurance), its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover‑More) as well as Bankwest and other relevant…", "citation": { "quote": "Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507 (referred to as “we”, “our” and “us” in relation to the insurance), its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover‑More) as well as Bankwest and other relevant", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=3", "page": 3, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Zurich Australian Insurance Limited", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": null }, "group_policy_manager": null, "policy_owner": null, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "cardholders solely by operation of section 48 of the Insurance Contracts Act 1984", "citation": { "quote": "cardholders solely by operation of section 48 of the Insurance Contracts Act 1984", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=52", "page": 52, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2026-04-22", "quote": "Effective 22 April 2026 1", "citation": { "quote": "Effective 22 April 2026 1", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=1", "page": 1, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "entire_cost", "amount_aud": null, "note": "the whole cost of the travel must go on the card, not a part of it", "quote": "Transit Accident Insurance: the entire payment for the trip was charged to the cardholder’s eligible credit card account", "citation": { "quote": "Transit Accident Insurance: the entire payment for the trip was charged to the cardholder’s eligible credit card account", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=11", "page": 11, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } }, "return_ticket": null, "residency": null, "age_limit": null, "period_of_cover": { "periods": [ { "count": 12, "unit": "months", "applies_to": "Bankwest World Mastercard cardholders", "stated": "12 consecutive months for Bankwest World Mastercard cardholders" } ], "quote": "12 consecutive months for Bankwest World Mastercard cardholders", "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" } }, "activation": null, "pre_existing_conditions": { "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", "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" }, "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Cleft Palate", "Cochlear Implant", "Coeliac Disease", "Congenital Adrenal Hyperplasia", "Congenital Blindness", "Congenital Deafness", "Conjunctivitis", "Dengue Fever", "Dry Eye Syndrome", "Dupuytrens Contracture", "Eczema", "Gastric Reflux (GORD)", "Glaucoma", "Gout", "Hay Fever", "Hormone Replacement Therapy", "Hypothyroidism including Hashimoto’s Disease", "Lipoma", "Macular Degeneration", "Meniere’s Disease", "Rhinitis", "Rosacea", "Sinusitis", "Tinnitus", "Anxiety", "Asthma", "Diabetes (type 1 or type 2) or glucose intolerance", "Depression", "Ear Grommets", "Hiatus Hernia", "Hypercholesterolaemia (High Cholesterol)", "Hyperlipidaemia (High Blood Lipids)", "Hypertension (High Blood Pressure)", "Pregnancy" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "23d8e0bfd24cadfea129470615545445ce3a81f3ce40fd3f47231034ef67813a", "term_used": "existing medical condition", "section": { "quote": "Existing medical conditions we automatically include", "page": 24 }, "who": [ { "line": "Some existing conditions are covered automatically only for people aged 79 or under at the relevant time.", "quote": "However, if you are 79 years of age or less at the relevant time, cover for some existing medical conditions may be automatically included, as described on pages 46-48", "page": 23 } ], "lead": { "line": "A condition in the tables is covered automatically if all four criteria below are met.", "quote": "We automatically include cover for an existing medical condition shown in the tables following, provided", "page": 24 }, "criteria_for_every_condition": [ { "line": "Aged 79 or under at the relevant time.", "quote": "you are 79 years of age or less at the relevant time", "page": 24 }, { "line": "No hospital stay, day surgery or emergency department visit for the condition in the 12 months before.", "quote": "in the 12 months prior to the relevant time, you have not been hospitalised (including day surgery or emergency department attendance) for that condition", "page": 24 }, { "line": "Never had surgery on a joint, the back, spine, brain or abdomen for the condition that needed at least an overnight hospital stay.", "quote": "prior to the relevant time, you have not had surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay in hospital for that condition", "page": 24 }, { "line": "The condition meets its own criteria in the table, where it has any.", "quote": "your condition meets any criteria shown for that condition", "page": 24 } ], "count": 39, "conditions": [ { "name": "Acne", "criteria": [], "page": 24 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [], "page": 24 }, { "name": "Bunions", "criteria": [], "page": 24 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 24 }, { "name": "Cataracts", "criteria": [], "page": 24 }, { "name": "Cleft Palate", "criteria": [], "page": 24 }, { "name": "Cochlear Implant", "criteria": [], "page": 24 }, { "name": "Coeliac Disease", "criteria": [], "page": 24 }, { "name": "Congenital Adrenal Hyperplasia", "criteria": [], "page": 24 }, { "name": "Congenital Blindness", "criteria": [], "page": 24 }, { "name": "Congenital Deafness", "criteria": [], "page": 24 }, { "name": "Conjunctivitis", "criteria": [], "page": 24 }, { "name": "Dengue Fever", "criteria": [], "page": 24 }, { "name": "Dry Eye Syndrome", "criteria": [], "page": 24 }, { "name": "Dupuytrens Contracture", "criteria": [], "page": 24 }, { "name": "Eczema", "criteria": [], "page": 24 }, { "name": "Gastric Reflux (GORD)", "criteria": [], "page": 24 }, { "name": "Glaucoma", "criteria": [], "page": 24 }, { "name": "Gout", "criteria": [], "page": 24 }, { "name": "Hay Fever", "criteria": [], "page": 24 }, { "name": "Hormone Replacement Therapy", "criteria": [], "page": 24 }, { "name": "Hypothyroidism including Hashimoto’s Disease", "criteria": [], "page": 24 }, { "name": "Lipoma", "criteria": [], "page": 24 }, { "name": "Macular Degeneration", "criteria": [], "page": 24 }, { "name": "Meniere’s Disease", "criteria": [], "page": 24 }, { "name": "Rhinitis", "criteria": [], "page": 24 }, { "name": "Rosacea", "criteria": [], "page": 24 }, { "name": "Sinusitis", "criteria": [], "page": 24 }, { "name": "Tinnitus", "criteria": [], "page": 24 }, { "name": "Anxiety", "criteria": [ "you have not been diagnosed with Depression in the last 3 years", "in the last 12 months, your prescribed medication hasn’t changed", "you are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "you have not previously been required to cancel or curtail your travel plans due to your Anxiety" ], "page": 24 }, { "name": "Asthma", "criteria": [ "are under 60 years of age", "have not smoked for at least the last 18 months", "do not need prescribed oxygen outside of a hospital", "have no other lung condition or disease" ], "page": 24 }, { "name": "Diabetes (type 1 or type 2) or glucose intolerance", "criteria": [ "you are under 50 years of age", "first diagnosed more than six months ago", "no complications in last 12 months", "no kidney, eye or neuropathy complications", "no cardiovascular disease" ], "page": 24 }, { "name": "Depression", "criteria": [ "you have not been hospitalised for this condition in the last 2 years", "in the last 12 months, your prescribed medication hasn’t changed", "you are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "you have not previously been required to cancel or curtail your travel plans due to your Depression" ], "page": 24 }, { "name": "Ear Grommets", "criteria": [ "Provided no current infection" ], "page": 25 }, { "name": "Hiatus Hernia", "criteria": [ "Provided no surgery is planned" ], "page": 25 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "Provided no cardiovascular disease and/or no diabetes" ], "page": 25 }, { "name": "Hyperlipidaemia (High Blood Lipids)", "criteria": [ "Provided no cardiovascular disease and/or no diabetes" ], "page": 25 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "Provided no cardiovascular disease and/or no diabetes" ], "page": 25 }, { "name": "Pregnancy", "criteria": [ "If it is a single, uncomplicated pregnancy – cover up to the 24th week i.e. up to 23 weeks, 6 days provided", "the conception was not medically assisted e.g. using assisted fertility treatment including hormone therapies or in vitro fertilisation (IVF)" ], "page": 25 } ], "notes": [ { "line": "Diabetes, high cholesterol, high blood lipids and high blood pressure (marked * in the table) are not covered automatically for anyone with a history of cardiovascular disease that is an existing medical condition.", "quote": "If you have a history of cardiovascular disease, and it is an existing medical condition, cover for these conditions are also excluded", "page": 25 }, { "line": "The automatically included conditions stay covered even if you do not pay for, or are refused, cover for other conditions.", "quote": "Note the existing medical conditions we automatically include are still available to you even if you don’t pay the relevant premium for cover of any approved existing medical condition or we have not agreed to provide you with cover for any other existing medical condition", "page": 26 } ], "otherwise": [ { "line": "Any other existing medical condition is not covered at all.", "quote": "If your existing medical condition is not automatically included (see policy condition 14. Existing medical conditions we automatically include on pages 46-48) we will not provide any cover for any claims which in any way relate to, or are exacerbated by, that condition", "page": 25 }, { "line": "You can apply for cover for it by completing a health assessment before the journey.", "quote": "you can apply for cover by completing a health assessment before you start the journey", "page": 25 }, { "line": "If the assessment is approved, a premium must be paid before the journey.", "quote": "If your assessment is approved, to obtain the cover, you must pay a premium to us before you start the journey", "page": 25 } ], "document_cited": { "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/card-policies.json programmes[programme_slug=bankwest-cards].facts.pre_existing_conditions.automatically_covered" } }, "covers_offered": { "covers": [ "Overseas Travel Insurance" ], "quote": "Overseas Travel Insurance", "citations": [ { "quote": "Overseas Travel Insurance", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=1", "page": 1, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } ] }, "travel_cover": { "international": true, "domestic": false, "named_as": [ "Overseas Travel Insurance" ], "means": null, "quote": "Overseas Travel Insurance a", "citation": { "quote": "Overseas Travel Insurance a", "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=1", "page": 1, "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381", "confirmed": "2026-11-05" } }, "limits": {}, "limits_read_from": "Complimentary Overseas Travel Insurance", "not_read": [], "labels": [ "overseas", "domestic", "cruise", "australian-residents-only", "age-to-79", "overseas-31-days", "overseas-183-days", "domestic-14-days", "pre-existing-some-included", "pre-existing-if-approved" ], "conditions": { "lines": [ "Covers a trip overseas from Australia while you hold a Bankwest Platinum Mastercard (not Platinum Zero) or World Mastercard that is activated and not cancelled or suspended. You do not have to pay for the trip with the card or tell anyone you are going.", "You have to live in Australia.", "If you are 80 or over, claims about your own health under overseas medical, additional expenses and cancellation cover are not covered.", "One overseas trip is covered for up to 31 days with a Platinum Mastercard or six months with a World Mastercard. A cruise around Australia counts for overseas medical cover.", "A return interstate flight is covered for up to 14 days if you pay its whole cost with the card.", "Some listed pre-existing medical conditions are covered automatically if you are 79 or under; others only if your health assessment is approved and you pay a premium." ], "written_on": "2026-10-15", "written_against_sha256": "23d8e0bfd24cadfea129470615545445ce3a81f3ce40fd3f47231034ef67813a" } }, { "programme_slug": "macquarie-black", "issuer": "Macquarie", "programme": "Macquarie Black credit card insurance", "issuer_page": "https://www.macquarie.com.au/help/personal/international-and-travel/travelling-overseas/credit-card-travel-insurance.html", "page": "https://deepalmanac.com/au/insurance/travel/cards/macquarie-black/", "governing_document": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf", "documents": [ { "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf", "label": "Macquarie Black Credit Card Insurance Terms and Conditions", "role": "combined", "governs": "current", "note": null, "words": 27955 } ], "insurer": { "name": "Chubb Insurance Australia Limited", "abn": "23001642020", "afsl": null, "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No", "citation": { "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=11", "page": 11, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Chubb Insurance Australia Ltd", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "239687" }, "group_policy_manager": null, "policy_owner": null, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=4", "page": 4, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2025-06-18", "quote": "Effective 18 June 2025", "citation": { "quote": "Effective 18 June 2025", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=1", "page": 1, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "full_fare", "amount_aud": null, "note": "no dollar minimum: the whole outbound fare for the trip must go on the card", "quote": "pay the full amount of Your outbound Return Trip that ticket for Your Scheduled Flight or eligibility condition Scheduled Cruise leaving Australia using: 3 applies to, i", "citation": { "quote": "pay the full amount of Your outbound Return Trip that ticket for Your Scheduled Flight or eligibility condition Scheduled Cruise leaving Australia using: 3 applies to, i", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=12", "page": 12, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, "return_ticket": null, "residency": { "required": true, "quote": "who are a Resident of Australia", "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" } }, "age_limit": { "maximum_age": 85, "stated_as": "85 years of age or younger", "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", "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" } }, "period_of_cover": { "periods": [ { "count": 14, "unit": "days", "applies_to": "a Domestic Return Trip", "stated": "Fourteen (14) consecutive days for a Domestic Return Trip" }, { "count": 90, "unit": "days", "applies_to": "an Overseas Return Trip", "stated": "Ninety (90) consecutive days for an Overseas Return Trip" } ], "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" } }, "activation": null, "pre_existing_conditions": { "cover": "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" } }, "covers_offered": null, "travel_cover": { "international": true, "domestic": false, "named_as": null, "means": null, "quote": "Section A – Overseas Medical Emergency Expenses Cover…", "citation": { "quote": "Section A – 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=2", "page": 2, "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501", "confirmed": "2026-11-05" } }, "limits": {}, "limits_read_from": "Travel Insurance, Overseas Return Trip", "not_read": [ "some benefit limits" ], "labels": [ "overseas", "domestic", "cruise", "return-trips-only", "pay-whole-fare", "points-count", "australian-residents-only", "age-to-85", "overseas-90-days", "domestic-14-days", "pre-existing-not-covered" ], "conditions": { "lines": [ "Covers a return trip that starts and ends in Australia, once you have paid the whole outbound flight or cruise fare with your Macquarie Black card before you leave. Macquarie Rewards points, or a gift card bought with them, count as paying with the card.", "Your card account has to be open when you pay: not cancelled, suspended or terminated.", "You have to live in Australia.", "For overseas medical cover you have to be 85 or younger when you pay the fare.", "One trip is covered for up to 90 days overseas, or 14 days within Australia.", "Pre-existing medical conditions are not covered." ], "written_on": "2026-10-15", "written_against_sha256": "42ca62bf033f0c1a2e38401a66a8fa3325e4765415c1cdd227cbc7d08c7c5d28" } }, { "programme_slug": "macquarie-platinum", "issuer": "Macquarie", "programme": "Macquarie Platinum credit card insurance", "issuer_page": "https://www.macquarie.com.au/help/personal/international-and-travel/travelling-overseas/credit-card-travel-insurance.html", "page": "https://deepalmanac.com/au/insurance/travel/cards/macquarie-platinum/", "governing_document": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf", "documents": [ { "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf", "label": "Macquarie Platinum Credit Card Insurance Terms and Conditions", "role": "combined", "governs": "current", "note": null, "words": 27962 } ], "insurer": { "name": "Chubb Insurance Australia Limited", "abn": "23001642020", "afsl": null, "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No", "citation": { "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=11", "page": 11, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Chubb Insurance Australia Ltd", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "239687" }, "group_policy_manager": null, "policy_owner": null, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=4", "page": 4, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2025-06-18", "quote": "Effective 18 June 2025", "citation": { "quote": "Effective 18 June 2025", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=1", "page": 1, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "full_fare", "amount_aud": null, "note": "no dollar minimum: the whole outbound fare for the trip must go on the card", "quote": "pay the full amount of Your outbound Return Trip that ticket for Your Scheduled Flight or eligibility condition Scheduled Cruise leaving Australia using: 3 applies to, i", "citation": { "quote": "pay the full amount of Your outbound Return Trip that ticket for Your Scheduled Flight or eligibility condition Scheduled Cruise leaving Australia using: 3 applies to, i", "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-credit-card-insurance-terms-conditions.pdf#page=12", "page": 12, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, "return_ticket": null, "residency": { "required": true, "quote": "who are a Resident of Australia", "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" } }, "age_limit": { "maximum_age": 85, "stated_as": "85 years of age or younger", "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", "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" } }, "period_of_cover": { "periods": [ { "count": 14, "unit": "days", "applies_to": "a Domestic Return Trip", "stated": "Fourteen (14) consecutive days for a Domestic Return Trip" }, { "count": 90, "unit": "days", "applies_to": "an Overseas Return Trip", "stated": "Ninety (90) consecutive days for an Overseas Return Trip" } ], "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" } }, "activation": null, "pre_existing_conditions": { "cover": "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" } }, "covers_offered": null, "travel_cover": { "international": true, "domestic": false, "named_as": null, "means": null, "quote": "Section A – Overseas Medical Emergency Expenses Cover…", "citation": { "quote": "Section A – 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=2", "page": 2, "document_sha256": "1d21e0742b308d3974a810815f7bab26d802432fee54895d5ad7fb77fb9e5207", "confirmed": "2026-11-05" } }, "limits": {}, "limits_read_from": "Travel Insurance, Overseas Return Trip", "not_read": [ "some benefit limits" ], "labels": [ "overseas", "domestic", "cruise", "return-trips-only", "pay-whole-fare", "points-count", "australian-residents-only", "age-to-85", "overseas-90-days", "domestic-14-days", "pre-existing-not-covered" ], "conditions": { "lines": [ "Covers a return trip that starts and ends in Australia, once you have paid the whole outbound flight or cruise fare with your Macquarie Platinum card before you leave. Macquarie Rewards points, or a gift card bought with them, count as paying with the card.", "A trip within Australia also qualifies if you spend $500 or more on its accommodation with the card instead.", "Your card account has to be open when you pay: not cancelled, suspended or terminated.", "You have to live in Australia.", "For overseas medical cover you have to be 85 or younger when you pay the fare.", "One trip is covered for up to 90 days overseas, or 14 days within Australia.", "Pre-existing medical conditions are not covered." ], "written_on": "2026-10-15", "written_against_sha256": "7936dea336e65d2ac9d72d6c000a9295d2a3be753a07ff9d41e4935b93b90f8a" } }, { "programme_slug": "amex-platinum", "issuer": "American Express", "programme": "American Express Platinum Card insurance", "issuer_page": "https://www.americanexpress.com/en-au/benefits/travel-insurance/", "page": "https://deepalmanac.com/au/insurance/travel/cards/amex-platinum/", "governing_document": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf", "documents": [ { "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf", "label": "American Express Platinum Card Insurance Terms and Conditions", "role": "combined", "governs": "current", "note": "American Express publishes a separate insurance document for each card it issues; this is the one for the Platinum Card. The others are not read, so nothing here should be taken as describing another American Express card.", "words": 32320 } ], "insurer": { "name": "Chubb Insurance Australia Limited", "abn": "23001642020", "afsl": "239687", "quote": "Chubb means Chubb Insurance Australia Limited (ABN 23 001 642 020, AFS Licence No", "citation": { "quote": "Chubb means Chubb Insurance Australia Limited (ABN 23 001 642 020, AFS Licence No", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=22", "page": 22, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Chubb Insurance Australia Ltd", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "239687" }, "group_policy_manager": null, "policy_owner": { "name": "American Express", "quote": "American Express", "citation": { "quote": "American Express", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=1", "page": 1, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=47", "page": 47, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2022-03-15", "quote": "Effective 15th March 2022 American Express Australia Limited ABN 92 108 952 085", "citation": { "quote": "Effective 15th March 2022 American Express Australia Limited ABN 92 108 952 085", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=1", "page": 1, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "full_fare", "amount_aud": null, "note": "no dollar minimum: the whole outbound fare for the trip must go on the card", "quote": "You are going on an International Return Trip and You pay the full amount of Your outbound ticket for a Scheduled Flight or Scheduled Cruise leaving Australia on Your: i", "citation": { "quote": "You are going on an International Return Trip and You pay the full amount of Your outbound ticket for a Scheduled Flight or Scheduled Cruise leaving Australia on Your: i", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=9", "page": 9, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, "return_ticket": null, "residency": { "required": true, "quote": "You are a Resident of Australia", "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" } }, "age_limit": { "maximum_age": 79, "stated_as": "79 years of age or younger", "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" } }, "period_of_cover": { "periods": [ { "count": 180, "unit": "days", "applies_to": null, "stated": "trip exceeds 180 consecutive days" } ], "quote": "d) when Your trip exceeds 180 consecutive days", "citation": { "quote": "d) when Your 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" } }, "activation": null, "pre_existing_conditions": { "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)", "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" } }, "covers_offered": null, "travel_cover": { "international": true, "domestic": false, "named_as": null, "means": null, "quote": "before seeking overseas emergency medical Treatment", "citation": { "quote": "before seeking overseas emergency medical Treatment", "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=32", "page": 32, "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117", "confirmed": "2026-11-05" } }, "limits": {}, "limits_read_from": "Travel Insurance, International Return Trip", "not_read": [ "some benefit limits" ], "labels": [ "overseas", "domestic", "cruise", "return-trips-only", "pay-whole-fare", "points-count", "australian-residents-only", "age-to-79", "overseas-180-days", "domestic-180-days", "pre-existing-not-covered" ], "conditions": { "lines": [ "Covers a return trip that starts and ends in Australia, once you have paid the whole outbound flight or cruise fare with your American Express Platinum Card before you leave. Membership Rewards or frequent flyer points count as paying with the card.", "A trip within Australia more than 150 km from home also qualifies if you pay the whole outbound flight, cruise, bus or train fare, or spend $500 or more on accommodation, with the card. It has no medical cover.", "Your card account has to be current: not cancelled or suspended.", "You have to live in Australia.", "You have to be 79 or younger when you pay.", "One trip is covered for up to 180 days.", "Pre-existing medical conditions are not covered." ], "written_on": "2026-10-15", "written_against_sha256": "c9d41da8c4db30963aededb0f253d8bdc280c3e9b6d373a9046bb4d2863c23d7" } }, { "programme_slug": "hsbc-cards", "issuer": "HSBC", "programme": "HSBC personal cards complimentary insurance", "issuer_page": "https://www.hsbc.com.au/credit-cards/terms/", "page": "https://deepalmanac.com/au/insurance/travel/cards/hsbc-cards/", "governing_document": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf", "documents": [ { "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf", "label": "HSBC Personal Cards Complimentary Insurance Terms and Conditions, effective 26 March 2025", "role": "combined", "governs": "current", "note": "HSBC is closing its retail banking business in Australia. Its own closure FAQ says access to the complimentary travel insurances ends on 1 January 2028, and that an event before that date can still be claimed. The booklet is current; the cover has a published end date.", "words": 26830 } ], "insurer": { "name": "Allianz Australia Insurance Limited", "abn": "15000122850", "afsl": "234708", "quote": "Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708, Level 16, 10 Carrington Street, Sydney, NSW 2000", "citation": { "quote": "Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708, Level 16, 10 Carrington Street, Sydney, NSW 2000", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2", "page": 2, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Allianz Australia Insurance Limited", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "234708" }, "group_policy_manager": { "name": "AWP Australia Pty Ltd", "quote": "AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631,trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000", "citation": { "quote": "AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631,trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2", "page": 2, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, "policy_owner": { "name": "HSBC", "quote": "HSBC is the policy owner", "citation": { "quote": "HSBC is the policy owner", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=3", "page": 3, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=3", "page": 3, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2025-03-26", "quote": "Effective: 26 March 2025", "citation": { "quote": "Effective: 26 March 2025", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=1", "page": 1, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "minimum_amount", "amount_aud": 500, "note": null, "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account", "citation": { "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account", "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" } }, "return_ticket": { "required": true, "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" } }, "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", "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" } }, "age_limit": null, "period_of_cover": { "periods": [ { "count": 4, "unit": "months", "applies_to": "cardholders, their spouse and/or dependants", "stated": "Up to 4 consecutive months for cardholders, their spouse and/or dependants" } ], "quote": "Up to 4 consecutive months for cardholders, their spouse and/or dependants The maximum period of cover available for your journey cannot be extended by you", "citation": { "quote": "Up to 4 consecutive months for cardholders, their spouse and/or dependants The maximum period of cover available for your journey cannot be extended by you", "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" } }, "activation": null, "pre_existing_conditions": { "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", "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" } }, "covers_offered": { "covers": [ "International Travel Insurance", "Domestic Travel Insurance", "Rental Vehicle Excess Insurance in Australia", "Purchase Protection Insurance", "Extended Warranty Insurance", "Overseas Transit Accident Insurance" ], "quote": "International Travel Insurance; Domestic Travel Insurance; Rental Vehicle Excess Insurance in Australia; Purchase Protection Insurance; Extended Warranty Insurance; Overseas Transit Accident Insurance", "citations": [ { "quote": "International Travel Insurance", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2", "page": 2, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" }, { "quote": "Domestic Travel Insurance", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2", "page": 2, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" }, { "quote": "Rental Vehicle Excess Insurance in Australia", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2", "page": 2, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" }, { "quote": "Purchase Protection Insurance", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2", "page": 2, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" }, { "quote": "Extended Warranty Insurance", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=3", "page": 3, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" }, { "quote": "Overseas Transit Accident Insurance", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2", "page": 2, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } ] }, "travel_cover": { "international": true, "domestic": true, "named_as": [ "International Travel Insurance", "Domestic Travel Insurance" ], "means": null, "quote": "International Travel Insurance 14 Part A - Eligibility for Cover 14 Part B - Period of Cover 15 Part C - Benefits Limits 17 Part D - Excesses and General Exclusions 20 Part E - The Cover Available 26 Overseas Transit Accident Insurance 58 Part A – Eligibility for cover 58 Part B – Period…", "citation": { "quote": "International Travel Insurance 14 Part A - Eligibility for Cover 14 Part B - Period of Cover 15 Part C - Benefits Limits 17 Part D - Excesses and General Exclusions 20 Part E - The Cover Available 26 Overseas Transit Accident Insurance 58 Part A – Eligibility for cover 58 Part B – Period", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2", "page": 2, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05" } }, "limits": { "overseas_medical": { "stated": "$20 million", "kind": "amount", "amount_aud": 20000000, "section": "1.2", "citation": { "quote": "Overseas Emergency Medical", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=11", "page": 11, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05", "cells": [ "$20 million" ] } }, "cancellation": { "stated": "Up to a maximum total limit of $100,000 (dependants are included in the limit available to the cardholder or spouse) except:", "kind": "amount", "amount_aud": 100000, "section": "2.1", "citation": { "quote": "Cancellation", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12", "page": 12, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit of $100,000 (dependants are included in the limit available to the cardholder or spouse) except:" ] } }, "luggage_total": { "stated": "Up to a maximum total limit of $25,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse, subject to the following limits:", "kind": "amount", "amount_aud": 25000, "section": "4.1", "citation": { "quote": "Luggage", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12", "page": 12, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit of $25,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse, subject to the following limits:" ] } }, "rental_vehicle_excess": { "stated": "Up to a maximum total limit of $3,000", "kind": "amount", "amount_aud": 3000, "section": "5.1", "citation": { "quote": "Rental Vehicle Excess", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12", "page": 12, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit of $3,000" ] } }, "personal_liability": { "stated": "Up to a maximum total limit of $2,500,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse", "kind": "amount", "amount_aud": 2500000, "section": "6.1", "citation": { "quote": "Personal Liability", "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12", "page": 12, "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit of $2,500,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse" ] } } }, "limits_read_from": "International Travel Insurance", "not_read": [], "labels": [ "overseas", "domestic", "cruise", "return-trips-only", "pay-part-fare", "australian-residents-only", "overseas-4-months", "domestic-14-days", "pre-existing-if-approved" ], "conditions": { "lines": [ "Covers a return trip overseas once you have spent at least $500 of your prepaid travel costs, such as the return air or cruise ticket, with your HSBC Platinum, Platinum Qantas, Star Alliance or Premier World Mastercard before you leave Australia.", "A trip within Australia is covered if you spend at least $250 of its prepaid travel costs with one of those cards or a Low Rate card, or pay in full a return domestic flight costing less than $250.", "You have to live permanently in Australia, or hold a visa that lets you live here.", "One trip is covered for up to 4 months overseas, or 14 days within Australia.", "Pre-existing medical conditions are covered only if the insurer confirms in writing that they are, after an assessment you apply for before you go." ], "written_on": "2026-10-15", "written_against_sha256": "2582039beed34477816b488967f7b647a7b7ace19974b24c42ede6b5cfd77d9b" } }, { "programme_slug": "mycard-cards", "issuer": "MyCard", "programme": "MyCard credit cards complimentary insurance", "issuer_page": "https://www.mycard.com.au/help-and-support/important-information", "page": "https://deepalmanac.com/au/insurance/travel/cards/mycard-cards/", "governing_document": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf", "documents": [ { "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf", "label": "MyCard Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026", "role": "combined", "governs": "current", "note": "These are the former Citi consumer cards, which moved to MyCard on 24 November 2025 and are issued by NAB; the booklet never names Citi, and citibank.com.au no longer resolves. The file opens with a variation notice effective 1 October 2026, already in force, which changes which cards are Level 1 and therefore which get travel cover.", "words": 28058 }, { "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet-nov-2025.pdf", "label": "MyCard Credit Cards Complimentary Insurance Policy Information Booklet, effective 26 November 2025", "role": "combined", "governs": "superseded", "note": "Still the document that applies to an insurable event before 15 May 2026.", "words": 29201 } ], "insurer": { "name": "Allianz Australia Insurance Limited", "abn": "15000122850", "afsl": "234708", "quote": "Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708 of Level 16, 10 Carrington Street, Sydney, NSW 2000", "citation": { "quote": "Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708 of Level 16, 10 Carrington Street, Sydney, NSW 2000", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=2", "page": 2, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Allianz Australia Insurance Limited", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "234708" }, "group_policy_manager": { "name": "AWP Australia Pty Ltd", "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street, Brisbane, QLD 4000", "citation": { "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street, Brisbane, QLD 4000", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=2", "page": 2, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, "policy_owner": null, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=4", "page": 4, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2026-05-15", "quote": "Effective 15 May 2026 Contact Allianz Global Assistance Claims & Enquiries Online: Lodge your International Travel Insurance claim at: travelclaims.com.au Access claim forms 24 hours a day, 7 days a week at: checkyourcover/mycard Phone: 1800 072 791 (within Australia)…", "citation": { "quote": "Effective 15 May 2026 Contact Allianz Global Assistance Claims & Enquiries Online: Lodge your International Travel Insurance claim at: travelclaims.com.au Access claim forms 24 hours a day, 7 days a week at: checkyourcover/mycard Phone: 1800 072 791 (within Australia)", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=2", "page": 2, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "minimum_amount", "amount_aud": 500, "note": null, "quote": "spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account", "citation": { "quote": "spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account", "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" } }, "return_ticket": { "required": true, "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" } }, "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)", "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" } }, "age_limit": { "maximum_age": 80, "stated_as": "aged under 81 years", "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" } }, "period_of_cover": { "periods": [ { "count": 6, "unit": "months", "applies_to": "cardholders, their spouses and/or dependants", "stated": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants" } ], "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" } }, "activation": null, "pre_existing_conditions": { "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", "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" } }, "covers_offered": { "covers": [ "International Travel Insurance", "Domestic Travel Insurance", "Rental Vehicle Excess Insurance in Australia", "Purchase Protection Insurance", "Extended Warranty Insurance" ], "quote": "International Travel Insurance; Domestic Travel Insurance; Rental Vehicle Excess Insurance in Australia; Purchase Protection Insurance; Extended Warranty Insurance", "citations": [ { "quote": "International Travel Insurance", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=2", "page": 2, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" }, { "quote": "Domestic Travel Insurance", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=3", "page": 3, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" }, { "quote": "Rental Vehicle Excess Insurance in Australia", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=3", "page": 3, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" }, { "quote": "Purchase Protection Insurance", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=3", "page": 3, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" }, { "quote": "Extended Warranty Insurance", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=3", "page": 3, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } ] }, "travel_cover": { "international": true, "domestic": true, "named_as": [ "International Travel Insurance", "Domestic Travel Insurance" ], "means": null, "quote": "Online: Lodge your International Travel Insurance claim at: travelclaims.com.au Access claim forms 24 hours a day, 7 days a week at: checkyourcover/mycard Phone: 1800 072 791 (within Australia) Enquiries Monday to Friday 8.00am to 7.00pm AEST Claims Monday to Friday 8.30am to 5.00pm AEST Email:…", "citation": { "quote": "Online: Lodge your International Travel Insurance claim at: travelclaims.com.au Access claim forms 24 hours a day, 7 days a week at: checkyourcover/mycard Phone: 1800 072 791 (within Australia) Enquiries Monday to Friday 8.00am to 7.00pm AEST Claims Monday to Friday 8.30am to 5.00pm AEST Email:", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=2", "page": 2, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, "limits": { "overseas_medical": { "stated": "$20 million", "kind": "amount", "amount_aud": 20000000, "section": "1.2", "citation": { "quote": "1.2 Overseas Emergency Medical", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=12", "page": 12, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05", "cells": [ "$20 million" ] } }, "cancellation": { "stated": "Up to a maximum total limit per cardholder or spouse of $25,000 (dependants are included in the limit available to the cardholder or spouse) except:", "kind": "amount", "amount_aud": 25000, "section": "2.1", "citation": { "quote": "2.1 Cancellation", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13", "page": 13, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit per cardholder or spouse of $25,000 (dependants are included in the limit available to the cardholder or spouse) except:" ] } }, "luggage_total": { "stated": "Up to a maximum total limit of $15,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse, subject to the following sub-limits:", "kind": "amount", "amount_aud": 15000, "section": "4.1", "citation": { "quote": "4.1 Luggage", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13", "page": 13, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit of $15,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse, subject to the following sub-limits:" ] } }, "rental_vehicle_excess": { "stated": "", "kind": "stated_in_sub_limits", "amount_aud": null, "section": "5.1", "note": "this section's limits are the sub-limits listed under it", "citation": { "quote": "5.1 Rental Vehicle Excess", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=14", "page": 14, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05" } }, "personal_liability": { "stated": "Level 1 Cards – Up to a maximum total limit of $2,500,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.", "kind": "amount", "amount_aud": 2500000, "section": "6.1", "citation": { "quote": "6.1 Personal Liability", "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=14", "page": 14, "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624", "confirmed": "2026-11-05", "cells": [ "Level 1 Cards – Up to a maximum total limit of $2,500,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse." ] } } }, "limits_read_from": "International Travel Insurance", "not_read": [], "labels": [ "overseas", "domestic", "cruise", "return-trips-only", "pay-part-fare", "pay-whole-fare", "points-count", "australian-residents-only", "age-to-80", "overseas-6-months", "domestic-28-days", "pre-existing-if-approved" ], "conditions": { "lines": [ "Travel cover comes only with the MyCard Premier and Premier Qantas cards (the Prestige and Premier cards before 1 October 2026).", "Overseas, a return trip by air or cruise is covered once you have charged at least $500 of prepaid travel costs, such as fares, accommodation or a tour, to the card before you leave. A return flight bought with frequent flyer points counts if at least 15,000 points earned on a MyCard card went into that programme in the 12 months before.", "Within Australia, a return domestic flight is covered when you charge the whole fare, or at least $250 of prepaid travel costs, to the card before you go.", "For overseas cover you have to live in Australia and be under 81 when you qualify. Within Australia, claims for the injury, illness or death of anyone 81 or over are not covered.", "One trip is covered for up to six months overseas, or 28 days within Australia.", "Overseas, pre-existing medical conditions are not covered unless the insurer confirms in writing that yours is." ], "written_on": "2026-10-15", "written_against_sha256": "f2f3611b0f5bb356a531cffc4c7c6375089d6859b2493ccdef601a58d070c2c1" } }, { "programme_slug": "bendigo-cards", "issuer": "Bendigo Bank", "programme": "Bendigo credit card insurance", "issuer_page": "https://www.bendigobank.com.au/disclosure-documents/", "page": "https://deepalmanac.com/au/insurance/travel/cards/bendigo-cards/", "governing_document": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf", "documents": [ { "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf", "label": "Bendigo Credit Card Insurance Terms & Conditions, 16 October 2024", "role": "combined", "governs": "current", "note": "One booklet for four cards, and unusually the entry-level Bendigo Ready card gets the international travel cover too.", "words": 24432 } ], "insurer": { "name": "Allianz Australia Insurance Limited", "abn": "15000122850", "afsl": "234708", "quote": "Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000", "citation": { "quote": "Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2", "page": 2, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Allianz Australia Insurance Limited", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "234708" }, "group_policy_manager": { "name": "AWP Australia Pty Ltd", "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000", "citation": { "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2", "page": 2, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, "policy_owner": null, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=3", "page": 3, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2024-10-16", "quote": "Cover applies to events occurring on or after 16 October 2024", "citation": { "quote": "Cover applies to events occurring on or after 16 October 2024", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=3", "page": 3, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "minimum_amount", "amount_aud": 500, "note": null, "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account", "citation": { "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account", "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" } }, "return_ticket": { "required": true, "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" } }, "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)", "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" } }, "age_limit": { "maximum_age": 80, "stated_as": "aged under 81 years", "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" } }, "period_of_cover": { "periods": [ { "count": 3, "unit": "months", "applies_to": "cardholders, their spouses and/or dependants", "stated": "Up to 3 consecutive months for cardholders, their spouses and/or dependants" } ], "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" } }, "activation": null, "pre_existing_conditions": { "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", "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" } }, "covers_offered": { "covers": [ "International Travel Insurance", "Domestic Travel Insurance", "Rental Vehicle Excess Insurance in Australia", "Purchase Protection Insurance", "Extended Warranty Insurance" ], "quote": "International Travel Insurance; Domestic Travel Insurance; Rental Vehicle Excess Insurance in Australia; Purchase Protection Insurance; Extended Warranty Insurance", "citations": [ { "quote": "International Travel Insurance", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2", "page": 2, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" }, { "quote": "Domestic Travel Insurance", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2", "page": 2, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" }, { "quote": "Rental Vehicle Excess Insurance in Australia", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2", "page": 2, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" }, { "quote": "Purchase Protection Insurance", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2", "page": 2, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" }, { "quote": "Extended Warranty Insurance", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2", "page": 2, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } ] }, "travel_cover": { "international": true, "domestic": true, "named_as": [ "International Travel Insurance", "Domestic Travel Insurance" ], "means": null, "quote": "International Travel Insurance…", "citation": { "quote": "International Travel Insurance", "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2", "page": 2, "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e", "confirmed": "2026-11-05" } }, "limits": {}, "limits_read_from": null, "not_read": [], "labels": [ "overseas", "domestic", "cruise", "return-trips-only", "pay-part-fare", "pay-whole-fare", "australian-residents-only", "age-to-80", "overseas-3-months", "domestic-14-days", "pre-existing-not-covered" ], "conditions": { "lines": [ "The same cover comes with the Bendigo Ready, Low Rate Platinum, Platinum Rewards and Qantas Platinum cards.", "Overseas, a return trip by air or cruise is covered once you have charged at least $500 of prepaid travel costs, such as fares, accommodation or a tour, to the card before you leave.", "Within Australia, a return domestic flight is covered when you charge the whole fare, or at least $250 of prepaid travel costs, to the card before you go.", "For overseas cover you have to live in Australia and be under 81 when you qualify. Within Australia, claims for the injury, illness or death of anyone 81 or over are not covered.", "One trip is covered for up to three months overseas, or 14 days within Australia.", "Pre-existing medical conditions are not covered." ], "written_on": "2026-10-15", "written_against_sha256": "91f2214385a2ad1d67845ba668a9b051ca7cac5eca48f1f0c7ab54de9d4adfdf" } }, { "programme_slug": "great-southern-bank-cards", "issuer": "Great Southern Bank", "programme": "Great Southern Bank platinum credit cards complimentary insurances", "issuer_page": "https://www.greatsouthernbank.com.au/credit-cards/platinum", "page": "https://deepalmanac.com/au/insurance/travel/cards/great-southern-bank-cards/", "governing_document": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf", "documents": [ { "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf", "label": "Great Southern Bank Platinum Credit Cards Complimentary Insurances Policy Information Booklet, effective 7 August 2024", "role": "combined", "governs": "current", "note": "A narrow booklet: international travel and purchase protection only, with no domestic travel and no rental vehicle excess. The Low Rate card does not get it.", "words": 17818 } ], "insurer": { "name": "Allianz Australia Insurance Limited", "abn": "15000122850", "afsl": "234708", "quote": "Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000", "citation": { "quote": "Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000", "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=2", "page": 2, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Allianz Australia Insurance Limited", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "234708" }, "group_policy_manager": { "name": "AWP Australia Pty Ltd", "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000", "citation": { "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000", "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=2", "page": 2, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, "policy_owner": null, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "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=3", "page": 3, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2024-08-07", "quote": "Effective 7th August 2024 i", "citation": { "quote": "Effective 7th August 2024 i", "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=1", "page": 1, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "minimum_amount", "amount_aud": 500, "note": null, "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account", "citation": { "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account", "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" } }, "return_ticket": { "required": true, "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" } }, "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)", "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" } }, "age_limit": { "maximum_age": 80, "stated_as": "aged 81 years or over is excluded", "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" } }, "period_of_cover": { "periods": [ { "count": 4, "unit": "months", "applies_to": "cardholders, their spouses and/or dependants", "stated": "Up to 4 consecutive months for cardholders, their spouses and/or dependants" } ], "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" } }, "activation": null, "pre_existing_conditions": { "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", "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" } }, "covers_offered": { "covers": [ "International Travel Insurance", "Purchase Protection Insurance" ], "quote": "International Travel Insurance; Purchase Protection Insurance", "citations": [ { "quote": "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=2", "page": 2, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" }, { "quote": "Purchase Protection 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=2", "page": 2, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } ] }, "travel_cover": { "international": true, "domestic": false, "named_as": [ "International Travel Insurance" ], "means": null, "quote": "Online: Lodge your International Travel Insurance claim at: claimmanager.com.au Within Australia Phone: 1800 010 262 Monday to Friday: 8am to 7pm AEST E-mail: cardclaims@allianz-assistance.com.au 24-Hour Emergency Assistance ALLIANZ GLOBAL ASSISTANCE Please call emergency services immediately if your…", "citation": { "quote": "Online: Lodge your International Travel Insurance claim at: claimmanager.com.au Within Australia Phone: 1800 010 262 Monday to Friday: 8am to 7pm AEST E-mail: cardclaims@allianz-assistance.com.au 24-Hour Emergency Assistance ALLIANZ GLOBAL ASSISTANCE Please call emergency services immediately if your", "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=2", "page": 2, "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d", "confirmed": "2026-11-05" } }, "limits": {}, "limits_read_from": null, "not_read": [], "labels": [ "overseas", "cruise", "return-trips-only", "pay-part-fare", "australian-residents-only", "age-to-80", "overseas-4-months", "pre-existing-not-covered" ], "conditions": { "lines": [ "Travel cover comes with the Great Southern Bank Platinum credit card, and only for trips overseas.", "A return trip by air or cruise is covered once you have charged at least $500 of prepaid travel costs, such as fares, accommodation or a tour, to the card before you leave.", "You have to live in Australia.", "Claims for the injury, illness or death of anyone 81 or over when you qualify are not covered.", "One trip is covered for up to four months.", "Pre-existing medical conditions are not covered." ], "written_on": "2026-10-15", "written_against_sha256": "8fa039c8b7e4b0ce7ccc4e263d0ab29d42df6bfaa3171552c74f720e40f9f694" } }, { "programme_slug": "boq-cards", "issuer": "Bank of Queensland", "programme": "BOQ credit cards complimentary insurance", "issuer_page": "https://www.boq.com.au/personal/credit-cards/platinum-visa-credit-card", "page": "https://deepalmanac.com/au/insurance/travel/cards/boq-cards/", "governing_document": "https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions-effective-July-2025.pdf", "documents": [ { "url": "https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions-effective-July-2025.pdf", "label": "BOQ Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026", "role": "combined", "governs": "current", "note": "Read because the answer is no. From 15 May 2026 this booklet carries purchase protection and an extended warranty and nothing else: no international travel insurance, no domestic travel, no overseas medical benefit. BOQ's own Platinum Visa page still advertises 'complimentary travel insurance' and links this booklet. The page BOQ labels 'effective 1 July 2025' serves this same file.", "words": 6719 } ], "insurer": { "name": "Allianz Australia Insurance Limited", "abn": "15000122850", "afsl": "234708", "quote": "Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708 of Level 16, 10 Carrington St, Sydney, NSW 2000", "citation": { "quote": "Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708 of Level 16, 10 Carrington St, Sydney, NSW 2000", "url": "https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions-effective-July-2025.pdf#page=2", "page": 2, "document_sha256": "71cabe1675330326f04db309528b639f7d10d427c4750a36aa054fc2915c9b9c", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Allianz Australia Insurance Limited", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "234708" }, "group_policy_manager": { "name": "AWP Australia Pty Ltd", "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street, Brisbane, QLD 4000", "citation": { "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street, Brisbane, QLD 4000", "url": "https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions-effective-July-2025.pdf#page=2", "page": 2, "document_sha256": "71cabe1675330326f04db309528b639f7d10d427c4750a36aa054fc2915c9b9c", "confirmed": "2026-11-05" } }, "policy_owner": null, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "url": "https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions-effective-July-2025.pdf#page=5", "page": 5, "document_sha256": "71cabe1675330326f04db309528b639f7d10d427c4750a36aa054fc2915c9b9c", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2026-05-15", "quote": "Effective 15 May 2026", "citation": { "quote": "Effective 15 May 2026", "url": "https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions-effective-July-2025.pdf#page=1", "page": 1, "document_sha256": "71cabe1675330326f04db309528b639f7d10d427c4750a36aa054fc2915c9b9c", "confirmed": "2026-11-05" } }, "charge_requirement": null, "return_ticket": null, "residency": null, "age_limit": null, "period_of_cover": null, "activation": null, "pre_existing_conditions": null, "covers_offered": { "covers": [ "Purchase Protection Insurance", "Extended Warranty Insurance" ], "quote": "Purchase Protection Insurance; Extended Warranty Insurance", "citations": [ { "quote": "Purchase Protection Insurance", "url": "https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions-effective-July-2025.pdf#page=4", "page": 4, "document_sha256": "71cabe1675330326f04db309528b639f7d10d427c4750a36aa054fc2915c9b9c", "confirmed": "2026-11-05" }, { "quote": "Extended Warranty Insurance", "url": "https://www.boq.com.au/content/dam/boq/files/personal/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions-effective-July-2025.pdf#page=4", "page": 4, "document_sha256": "71cabe1675330326f04db309528b639f7d10d427c4750a36aa054fc2915c9b9c", "confirmed": "2026-11-05" } ] }, "travel_cover": { "international": false, "domestic": false, "named_as": null, "means": "this document carries no travel cover: it was read in full and states no travel benefit", "quote": null }, "limits": {}, "limits_read_from": null, "not_read": [], "labels": [], "conditions": null }, { "programme_slug": "bank-of-melbourne-cards", "issuer": "Bank of Melbourne", "programme": "Bank of Melbourne credit card complimentary insurance", "issuer_page": "https://www.bankofmelbourne.com.au/personal/credit-cards/manage/insurance-cover", "page": "https://deepalmanac.com/au/insurance/travel/cards/bank-of-melbourne-cards/", "governing_document": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf", "documents": [ { "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf", "label": "Bank of Melbourne Credit Card Complimentary Insurance Policy Information Booklet, effective 5 April 2023", "role": "combined", "governs": "current", "note": "Bank of Melbourne is a division of Westpac, and this booklet is substantially the document St.George publishes: the gates, limits and card tiers are word for word the same. It is read separately because it is a separate document with its own effective date, and because a cardholder of one bank cannot rely on another's.", "words": 27147 } ], "insurer": { "name": "Allianz Australia Insurance Limited", "abn": "15000122850", "afsl": "234708", "quote": "Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000", "citation": { "quote": "Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3", "page": 3, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Allianz Australia Insurance Limited", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "234708" }, "group_policy_manager": { "name": "AWP Australia Pty Ltd", "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000", "citation": { "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3", "page": 3, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } }, "policy_owner": { "name": "Melbourne", "quote": "Melbourne is the policy owner", "citation": { "quote": "Melbourne is the policy owner", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=7", "page": 7, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } }, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "When eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "When eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=7", "page": 7, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2023-04-05", "quote": "Effective date: 5 April 2023", "citation": { "quote": "Effective date: 5 April 2023", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=1", "page": 1, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "minimum_amount", "amount_aud": 500, "note": null, "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs (i.e", "citation": { "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs (i.e", "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" } }, "return_ticket": { "required": true, "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" } }, "residency": { "required": true, "quote": "you reside in Australia and your journey begins and ends in Australia", "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" } }, "age_limit": { "maximum_age": 80, "stated_as": "aged under 81 years", "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" } }, "period_of_cover": { "periods": [ { "count": 6, "unit": "months", "applies_to": "cardholders, their spouses and/or dependants", "stated": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants" }, { "count": 3, "unit": "months", "applies_to": "cardholders, their spouses and/or dependants 18", "stated": "Up to three (3) consecutive months for cardholders, their spouses and/or dependants 18" } ], "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants Level 2 Cards Up to three (3) consecutive months for cardholders, their spouses and/or dependants 18", "citation": { "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants Level 2 Cards 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" } }, "activation": null, "pre_existing_conditions": { "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", "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" }, "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "Allergies", "Asthma", "Cataracts/Glaucoma", "Coeliac Disease", "Diabetes/Glucose Intolerance", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Gout", "Hiatus Hernia", "Hip/Knee Replacement", "Hypertension (High Blood Pressure)" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156", "term_used": "pre-existing medical condition", "section": { "quote": "Pre-existing medical conditions that are covered (some restrictions apply)", "page": 29 }, "who": [ { "line": "The travel cover, and so the list, is only for people aged under 81 when they become eligible for the cover.", "quote": "you are aged under eighty one (81) years at the time you become eligible for the cover available", "page": 17 } ], "lead": { "line": "A condition in the table is covered without assessment if it meets that condition's requirements.", "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", "page": 29 }, "criteria_for_every_condition": [], "count": 13, "conditions": [ { "name": "Acne", "criteria": [ "If you have not required treatment by a medical adviser in the last three (3) consecutive months" ], "page": 30 }, { "name": "Allergies", "criteria": [ "If the condition has not required treatment by a medical adviser in the last nine (9) consecutive months and you have no known respiratory conditions e.g. Asthma" ], "page": 30 }, { "name": "Asthma", "criteria": [ "If no exacerbation requiring treatment by a medical adviser in the last twelve (12) consecutive months" ], "page": 30 }, { "name": "Cataracts/Glaucoma", "criteria": [ "If you have no ongoing complications, are not on a waiting list for an operation and have not been operated on in the last two (2) consecutive months" ], "page": 30 }, { "name": "Coeliac Disease", "criteria": [ "If the condition has not required treatment by a medical adviser in the last six (6) consecutive months" ], "page": 30 }, { "name": "Diabetes/Glucose Intolerance", "criteria": [ "If you were diagnosed over twelve (12) consecutive months ago and have not had any complications in the last twelve (12) consecutive months", "You must also have a Blood Sugar Level reading between four (4) and twelve (12) or a HbA1C score of nine per cent (9%) or less", "You must also not currently be undergoing treatment for kidney, eye or nerve complications" ], "page": 30 }, { "name": "Ear Grommets", "criteria": [ "With no current infection" ], "page": 30 }, { "name": "Epilepsy", "criteria": [ "If there are no underlying medical conditions (e.g. Previous head trauma, stroke) and you have not required treatment by a medical adviser for a seizure in the last two (2) consecutive years" ], "page": 30 }, { "name": "Gastric Reflux", "criteria": [ "If the condition does not relate to another underlying diagnosis (e.g. Hernia / Gastric Ulcer)" ], "page": 30 }, { "name": "Gout", "criteria": [ "If the gout has remained stable for the last nine (9) consecutive months" ], "page": 30 }, { "name": "Hiatus Hernia", "criteria": [ "If no surgery is planned" ], "page": 30 }, { "name": "Hip/Knee Replacement", "criteria": [ "If performed more than nine (9) consecutive months ago and less than ten (10) consecutive years ago" ], "page": 30 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "If you have no known heart conditions and your current blood pressure reading is lower than one hundred and sixty five over ninety five (165/95)" ], "page": 30 } ], "notes": [ { "line": "A listed condition that does not meet its requirements can still be put forward for assessment.", "quote": "If your condition is listed in the table, but the criteria for cover are not met, you may still apply for assessment of whether the pre-existing medical condition you have is covered by the group policy", "page": 29 } ], "otherwise": [ { "line": "A pre-existing condition that is not covered is excluded from every claim.", "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", "page": 29 }, { "line": "Before travelling you can ask Allianz Global Assistance to assess the condition, online or by phone.", "quote": "Before going overseas, you can apply for assessment of whether your pre-existing medical condition is covered by the group policy online or over the phone", "page": 29 }, { "line": "If Allianz accepts it, a $45 administration fee is payable, by phone or online.", "quote": "you will need to pay an administration fee of $45 for assessment by phone or an administration fee of $45 for an online assessment", "page": 29 } ], "document_cited": { "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/card-policies.json programmes[programme_slug=bank-of-melbourne-cards].facts.pre_existing_conditions.automatically_covered" } }, "covers_offered": { "covers": [ "International Travel Insurance", "Interstate Flight Inconvenience Insurance", "Purchase Protection Insurance", "Extended Warranty Insurance", "Overseas Transit Accident Insurance" ], "quote": "International Travel Insurance; Interstate Flight Inconvenience Insurance; Purchase Protection Insurance; Extended Warranty Insurance; Overseas Transit Accident Insurance", "citations": [ { "quote": "International Travel Insurance", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3", "page": 3, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" }, { "quote": "Interstate Flight Inconvenience Insurance", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=5", "page": 5, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" }, { "quote": "Purchase Protection Insurance", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=6", "page": 6, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" }, { "quote": "Extended Warranty Insurance", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=6", "page": 6, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" }, { "quote": "Overseas Transit Accident Insurance", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=5", "page": 5, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } ] }, "travel_cover": { "international": true, "domestic": true, "named_as": [ "International Travel Insurance", "Interstate Flight Inconvenience Insurance" ], "means": null, "quote": "Letter of Eligibility for International Travel Insurance", "citation": { "quote": "Letter of Eligibility for International Travel Insurance", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3", "page": 3, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05" } }, "limits": { "overseas_medical": { "stated": "Unlimited~", "kind": "unlimited", "amount_aud": null, "section": "1.2", "citation": { "quote": "1.2 Overseas Emergency Medical", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=20", "page": 20, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05", "cells": [ "Unlimited~" ] } }, "cancellation": { "stated": "Unlimited~ except:", "kind": "unlimited", "amount_aud": null, "section": "2.1", "citation": { "quote": "2.1 Cancellation", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=21", "page": 21, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05", "cells": [ "Unlimited~ except:" ] } }, "luggage_total": { "stated": "Up to $20,000 per person up to a maximum total limit of $30,000 for a cardholder travelling with their spouse and/or dependants subject to the following limits: • Up to $5,000 per item for baggage, clothing, personal valuables, portable electrical equipment and binoculars; • Up to $5,500 per camera for cameras and associated equipment/accessories; • Up to $5,500 in total for laptop computers and associated equipment/accessories.", "kind": "amount", "amount_aud": 30000, "section": "4.1.1 a]", "citation": { "quote": "4.1.1 a] Luggage", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=22", "page": 22, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05", "cells": [ "Up to $20,000 per person up to a maximum total limit of $30,000 for a cardholder travelling with their spouse and/or dependants subject to the following limits: • Up to $5,000 per item for baggage, clothing, personal valuables, portable electrical equipment and binoculars; • Up to $5,500 per camera for cameras and associated equipment/accessories; • Up to $5,500 in total for laptop computers and associated equipment/accessories." ] } }, "rental_vehicle_excess": { "stated": "Up to a maximum total limit of $5,500.", "kind": "amount", "amount_aud": 5500, "section": "5.1", "citation": { "quote": "5.1 Rental Vehicle Excess", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=23", "page": 23, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit of $5,500." ] } }, "personal_liability": { "stated": "Up to a maximum total limit of $2,500,000.", "kind": "amount", "amount_aud": 2500000, "section": "6.1", "citation": { "quote": "6.1 Personal Liability", "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=23", "page": 23, "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit of $2,500,000." ] } } }, "limits_read_from": "International Travel Insurance", "not_read": [], "labels": [ "overseas", "domestic", "return-trips-only", "pay-part-fare", "australian-residents-only", "age-to-80", "overseas-6-months", "overseas-3-months", "domestic-14-days", "pre-existing-if-approved", "pre-existing-some-included" ], "conditions": { "lines": [ "Overseas, a trip that starts and ends in Australia is covered once you have charged at least $500 of prepaid travel costs, such as fares, taxes or accommodation, to the card before you leave, and you hold a return ticket.", "Within Australia, only interstate flights are covered (cancellation, delay, luggage and funeral costs), and only when you charge the whole return fare to the card before you go.", "You have to live in Australia, and for overseas cover be under 81 when you qualify.", "One overseas trip is covered for up to six months with a Level 1 card (Amplify Signature, Vertigo Platinum, Platinum Mastercard, Visa Platinum Private Clients) or three months with a Level 2 card (Amplify Platinum, Platinum Advantage Visa, Gold Low Rate and Gold Advantage cards). An interstate trip is covered for up to 14 days.", "Overseas, pre-existing medical conditions are not covered unless the insurer confirms in writing that yours is, apart from a list of conditions covered automatically when they meet set requirements." ], "written_on": "2026-10-15", "written_against_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156" } }, { "programme_slug": "banksa-cards", "issuer": "BankSA", "programme": "BankSA credit cards complimentary insurance", "issuer_page": "https://www.banksa.com.au/personal/credit-cards/manage/insurance-cover", "page": "https://deepalmanac.com/au/insurance/travel/cards/banksa-cards/", "governing_document": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf", "documents": [ { "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf", "label": "BankSA Credit Cards Complimentary Insurance Policy Information Booklet, effective 5 April 2023", "role": "combined", "governs": "current", "note": "Also a Westpac division, and also substantially St.George's document -- with one real difference: BankSA's Level 2 list adds the Australian Medical Association Gold Visa and the Law Society Gold Visa, which appear in neither of the other two.", "words": 27068 } ], "insurer": { "name": "Allianz Australia Insurance Limited", "abn": "15000122850", "afsl": "234708", "quote": "Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000", "citation": { "quote": "Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3", "page": 3, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Allianz Australia Insurance Limited", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "234708" }, "group_policy_manager": { "name": "AWP Australia Pty Ltd", "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance Level 16, 310 Ann Street, Brisbane, QLD 4000", "citation": { "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance Level 16, 310 Ann Street, Brisbane, QLD 4000", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3", "page": 3, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } }, "policy_owner": { "name": "BankSA", "quote": "BankSA is the policy owner", "citation": { "quote": "BankSA is the policy owner", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=7", "page": 7, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } }, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "When eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "When eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=7", "page": 7, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2023-04-05", "quote": "Effective Date: 5 April 2023", "citation": { "quote": "Effective Date: 5 April 2023", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=1", "page": 1, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "minimum_amount", "amount_aud": 500, "note": null, "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs (i.e", "citation": { "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs (i.e", "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" } }, "return_ticket": { "required": true, "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" } }, "residency": { "required": true, "quote": "you reside in Australia and your journey begins and ends in Australia", "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" } }, "age_limit": { "maximum_age": 80, "stated_as": "aged under 81 years", "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" } }, "period_of_cover": { "periods": [ { "count": 6, "unit": "months", "applies_to": "cardholders, their spouses and/or dependants", "stated": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants" }, { "count": 3, "unit": "months", "applies_to": "cardholders, their spouses and/or dependants", "stated": "Up to three (3) consecutive months for cardholders, their spouses and/or dependants" } ], "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants Level 2 Cards Up to three (3) consecutive months for cardholders, their spouses and/or dependants The maximum period of cover available for your journey cannot be extended by you", "citation": { "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants Level 2 Cards Up to three (3) consecutive months for cardholders, their spouses and/or dependants The maximum period of cover available for your journey cannot be extended by you", "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" } }, "activation": null, "pre_existing_conditions": { "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", "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" }, "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "Allergies", "Asthma", "Cataracts/ Glaucoma", "Coeliac Disease", "Diabetes/ Glucose Intolerance", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Gout", "Hiatus Hernia", "Hip/Knee Replacement", "Hypertension (High Blood Pressure)" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "1bdc3db36e3c0989e06c90ec034051c23a58cdf02251d742c6652fa5bb6f8ad3", "term_used": "pre-existing medical condition", "section": { "quote": "Pre-existing medical conditions that are covered (some restrictions apply)", "page": 30 }, "who": [ { "line": "The travel cover, and so the list, is only for people aged under 81 when they become eligible for the cover.", "quote": "you are aged under eighty one (81) years at the time you become eligible for the cover available", "page": 19 } ], "lead": { "line": "A condition in the table is covered without assessment if it meets that condition's requirements.", "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", "page": 30 }, "criteria_for_every_condition": [], "count": 13, "conditions": [ { "name": "Acne", "criteria": [ "If you have not required treatment by a medical adviser in the last three (3) consecutive months" ], "page": 31 }, { "name": "Allergies", "criteria": [ "If the condition has not required treatment by a medical adviser in the last nine (9) consecutive months and you have no known respiratory conditions e.g. Asthma" ], "page": 31 }, { "name": "Asthma", "criteria": [ "If no exacerbation requiring treatment by a medical adviser in the last twelve (12) consecutive months" ], "page": 31 }, { "name": "Cataracts/ Glaucoma", "criteria": [ "If you have no ongoing complications, are not on a waiting list for an operation and have not been operated on in the last two (2) consecutive months" ], "page": 31 }, { "name": "Coeliac Disease", "criteria": [ "If the condition has not required treatment by a medical adviser in the last six (6) consecutive months" ], "page": 31 }, { "name": "Diabetes/ Glucose Intolerance", "criteria": [ "If you were diagnosed over twelve (12) consecutive months ago and have not had any complications in the last twelve (12) consecutive months", "You must also have a Blood Sugar Level reading between four (4) and twelve (12) or a HbA1C score of nine per cent (9%) or less", "You must also not currently be undergoing treatment for kidney, eye or nerve complications" ], "page": 31 }, { "name": "Ear Grommets", "criteria": [ "With no current infection" ], "page": 31 }, { "name": "Epilepsy", "criteria": [ "If there are no underlying medical conditions (e.g. Previous head trauma, stroke) and you have not required treatment by a medical adviser for a seizure in the last two (2) consecutive years" ], "page": 31 }, { "name": "Gastric Reflux", "criteria": [ "If the condition does not relate to another underlying diagnosis (e.g. Hernia / Gastric Ulcer)" ], "page": 32 }, { "name": "Gout", "criteria": [ "If the gout has remained stable for the last nine (9) consecutive months" ], "page": 32 }, { "name": "Hiatus Hernia", "criteria": [ "If no surgery is planned" ], "page": 32 }, { "name": "Hip/Knee Replacement", "criteria": [ "If performed more than nine (9) consecutive months ago and less than ten (10) consecutive years ago" ], "page": 32 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "If you have no known heart conditions and your current blood pressure reading is lower than one hundred and sixty five over ninety five (165/95)" ], "page": 32 } ], "notes": [ { "line": "A listed condition that does not meet its requirements can still be put forward for assessment.", "quote": "If your condition is listed in the table, but the criteria for cover are not met, you may still apply for assessment of whether the pre-existing medical condition you have is covered by the group policy", "page": 31 } ], "otherwise": [ { "line": "A pre-existing condition that is not covered is excluded from every claim.", "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", "page": 30 }, { "line": "Before travelling you can ask Allianz Global Assistance to assess the condition, online or by phone.", "quote": "Before going overseas, you can apply for assessment of whether your pre-existing medical condition is covered by the group policy online or over the phone", "page": 30 }, { "line": "If Allianz accepts it, a $45 administration fee is payable, by phone or online.", "quote": "you will need to pay an administration fee of $45 for assessment by phone or an administration fee of $45 for an online assessment", "page": 30 } ], "document_cited": { "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/card-policies.json programmes[programme_slug=banksa-cards].facts.pre_existing_conditions.automatically_covered" } }, "covers_offered": { "covers": [ "International Travel Insurance", "Interstate Flight Inconvenience Insurance", "Purchase Protection Insurance", "Extended Warranty Insurance", "Overseas Transit Accident Insurance" ], "quote": "International Travel Insurance; Interstate Flight Inconvenience Insurance; Purchase Protection Insurance; Extended Warranty Insurance; Overseas Transit Accident Insurance", "citations": [ { "quote": "International Travel Insurance", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3", "page": 3, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" }, { "quote": "Interstate Flight Inconvenience Insurance", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=5", "page": 5, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" }, { "quote": "Purchase Protection Insurance", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=6", "page": 6, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" }, { "quote": "Extended Warranty Insurance", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=6", "page": 6, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" }, { "quote": "Overseas Transit Accident Insurance", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=5", "page": 5, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } ] }, "travel_cover": { "international": true, "domestic": true, "named_as": [ "International Travel Insurance", "Interstate Flight Inconvenience Insurance" ], "means": null, "quote": "Letter of eligibility for International Travel Insurance", "citation": { "quote": "Letter of eligibility for International Travel Insurance", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3", "page": 3, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05" } }, "limits": { "overseas_medical": { "stated": "Unlimited~", "kind": "unlimited", "amount_aud": null, "section": "1.2", "citation": { "quote": "1.2 Overseas Emergency Medical", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=22", "page": 22, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05", "cells": [ "Unlimited~" ] } }, "cancellation": { "stated": "Unlimited~ except:", "kind": "unlimited", "amount_aud": null, "section": "2.1", "citation": { "quote": "2.1 Cancellation", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=22", "page": 22, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05", "cells": [ "Unlimited~ except:" ] } }, "luggage_total": { "stated": "Up to $20,000 per person up to a maximum total limit of $30,000 for a cardholder travelling with their spouse and/or dependants subject to the following limits: • Up to $5,000 per item for baggage, clothing, personal valuables, portable electrical equipment and binoculars; • Up to $5,500 per camera for cameras and associated equipment/accessories; • Up to $5,500 in total for laptop computers and associated equipment/ accessories.", "kind": "amount", "amount_aud": 30000, "section": "4.1.1 a]", "citation": { "quote": "4.1.1 a] Luggage", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24", "page": 24, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05", "cells": [ "Up to $20,000 per person up to a maximum total limit of $30,000 for a cardholder travelling with their spouse and/or dependants subject to the following limits: • Up to $5,000 per item for baggage, clothing, personal valuables, portable electrical equipment and binoculars; • Up to $5,500 per camera for cameras and associated equipment/accessories; • Up to $5,500 in total for laptop computers and associated equipment/ accessories." ] } }, "rental_vehicle_excess": { "stated": "Up to a maximum total limit of $5,500.", "kind": "amount", "amount_aud": 5500, "section": "5.1", "citation": { "quote": "5.1 Rental Vehicle Excess", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=25", "page": 25, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit of $5,500." ] } }, "personal_liability": { "stated": "Up to a maximum total limit of $2,500,000.", "kind": "amount", "amount_aud": 2500000, "section": "6.1", "citation": { "quote": "6.1 Personal Liability", "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=25", "page": 25, "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit of $2,500,000." ] } } }, "limits_read_from": "International Travel Insurance", "not_read": [], "labels": [ "overseas", "domestic", "return-trips-only", "pay-part-fare", "australian-residents-only", "age-to-80", "overseas-6-months", "overseas-3-months", "domestic-14-days", "pre-existing-if-approved", "pre-existing-some-included" ], "conditions": { "lines": [ "Overseas, a trip that starts and ends in Australia is covered once you have charged at least $500 of prepaid travel costs, such as fares, taxes or accommodation, to the card before you leave, and you hold a return ticket.", "Within Australia, only interstate flights are covered (cancellation, delay, luggage and funeral costs), and only when you charge the whole return fare to the card before you go.", "You have to live in Australia, and for overseas cover be under 81 when you qualify.", "One overseas trip is covered for up to six months with a Level 1 card (Amplify Signature, Vertigo Platinum, Platinum Mastercard, Visa Platinum Private Clients) or three months with a Level 2 card (Amplify Platinum, Platinum Advantage Visa, Gold Low Rate and Gold Advantage cards, plus the Australian Medical Association Gold Visa and Law Society Gold Visa). An interstate trip is covered for up to 14 days.", "Overseas, pre-existing medical conditions are not covered unless the insurer confirms in writing that yours is, apart from a list of conditions covered automatically when they meet set requirements." ], "written_on": "2026-10-15", "written_against_sha256": "1bdc3db36e3c0989e06c90ec034051c23a58cdf02251d742c6652fa5bb6f8ad3" } }, { "programme_slug": "virgin-money-cards", "issuer": "Virgin Money", "programme": "Virgin Money credit cards complimentary insurance", "issuer_page": "https://www.virginmoney.com.au/help-and-support/forms-and-important-information/credit-cards", "page": "https://deepalmanac.com/au/insurance/travel/cards/virgin-money-cards/", "governing_document": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf", "documents": [ { "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf", "label": "Virgin Money Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026", "role": "combined", "governs": "current", "note": "Only the Velocity High Flyer card gets travel cover; the Velocity Flyer card gets purchase protection and an extended warranty and no travel insurance at all. The group policy is held by NAB rather than by Virgin Money.", "words": 27869 } ], "insurer": { "name": "Allianz Australia Insurance Limited", "abn": "15000122850", "afsl": "234708", "quote": "Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708 of Level 16, 10 Carrington Street, Sydney, NSW 2000", "citation": { "quote": "Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708 of Level 16, 10 Carrington Street, Sydney, NSW 2000", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=2", "page": 2, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Allianz Australia Insurance Limited", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "234708" }, "group_policy_manager": { "name": "AWP Australia Pty Ltd", "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street, Brisbane, QLD 4000", "citation": { "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street, Brisbane, QLD 4000", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=2", "page": 2, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, "policy_owner": null, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=6", "page": 6, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2026-05-15", "quote": "Effective 15 May 2026", "citation": { "quote": "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#page=1", "page": 1, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "minimum_amount", "amount_aud": 500, "note": null, "quote": "spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account", "citation": { "quote": "spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account", "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" } }, "return_ticket": { "required": true, "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" } }, "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)", "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" } }, "age_limit": { "maximum_age": 80, "stated_as": "aged under 81 years", "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" } }, "period_of_cover": { "periods": [ { "count": 6, "unit": "months", "applies_to": "cardholders, their spouses and/or dependants", "stated": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants" } ], "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" } }, "activation": null, "pre_existing_conditions": { "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", "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" } }, "covers_offered": { "covers": [ "International Travel Insurance", "Domestic Travel Insurance", "Rental Vehicle Excess Insurance in Australia", "Purchase Protection Insurance", "Extended Warranty Insurance" ], "quote": "International Travel Insurance; Domestic Travel Insurance; Rental Vehicle Excess Insurance in Australia; Purchase Protection Insurance; Extended Warranty Insurance", "citations": [ { "quote": "International Travel Insurance", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=2", "page": 2, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" }, { "quote": "Domestic Travel Insurance", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=4", "page": 4, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" }, { "quote": "Rental Vehicle Excess Insurance in Australia", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=5", "page": 5, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" }, { "quote": "Purchase Protection Insurance", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=5", "page": 5, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" }, { "quote": "Extended Warranty Insurance", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=5", "page": 5, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } ] }, "travel_cover": { "international": true, "domestic": true, "named_as": [ "International Travel Insurance", "Domestic Travel Insurance" ], "means": null, "quote": "Online Lodge your International Travel Insurance claim at: travelclaims.com.au Access claim forms 24 hours a day, 7 days a week at: checkyourcover/vma Phone 1800 072 791 (within Australia) Enquiries Monday to Friday 8.00am to 7.00pm AEST Claims Monday to Friday 8.30am to 5.00pm AEST Email…", "citation": { "quote": "Online Lodge your International Travel Insurance claim at: travelclaims.com.au Access claim forms 24 hours a day, 7 days a week at: checkyourcover/vma Phone 1800 072 791 (within Australia) Enquiries Monday to Friday 8.00am to 7.00pm AEST Claims Monday to Friday 8.30am to 5.00pm AEST Email", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=2", "page": 2, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, "limits": { "overseas_medical": { "stated": "$20 million", "kind": "amount", "amount_aud": 20000000, "section": "1.2", "citation": { "quote": "1.2 Overseas Emergency Medical", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=23", "page": 23, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05", "cells": [ "$20 million" ] } }, "cancellation": { "stated": "Up to a maximum total limit per cardholder or spouse of $25,000 (dependants are included in the limit available to the cardholder or spouse) except:", "kind": "amount", "amount_aud": 25000, "section": "2.1", "citation": { "quote": "2.1 Cancellation", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=24", "page": 24, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit per cardholder or spouse of $25,000 (dependants are included in the limit available to the cardholder or spouse) except:" ] } }, "luggage_total": { "stated": "Up to a maximum total limit of $15,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse, subject to the following sub-limits:", "kind": "amount", "amount_aud": 15000, "section": "4.1", "citation": { "quote": "4.1 Luggage", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=26", "page": 26, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit of $15,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse, subject to the following sub-limits:" ] } }, "rental_vehicle_excess": { "stated": "", "kind": "stated_in_sub_limits", "amount_aud": null, "section": "5.1", "note": "this section's limits are the sub-limits listed under it", "citation": { "quote": "5.1 Rental Vehicle Excess", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=27", "page": 27, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05" } }, "personal_liability": { "stated": "Up to a maximum total limit of $2,500,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.", "kind": "amount", "amount_aud": 2500000, "section": "6.1", "citation": { "quote": "6.1 Personal Liability", "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=27", "page": 27, "document_sha256": "6a01ab9493a81490bd614a22b384aa51345cb7700b751e077d433523973801cb", "confirmed": "2026-11-05", "cells": [ "Up to a maximum total limit of $2,500,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse." ] } } }, "limits_read_from": "International Travel Insurance", "not_read": [], "labels": [ "overseas", "domestic", "cruise", "return-trips-only", "pay-part-fare", "pay-whole-fare", "points-count", "australian-residents-only", "age-to-80", "overseas-6-months", "domestic-28-days", "pre-existing-if-approved" ], "conditions": { "lines": [ "Travel cover comes only with the Virgin Australia Velocity High Flyer card; the Velocity Flyer card carries none.", "Overseas, a return trip by air or cruise is covered once you have charged at least $500 of prepaid travel costs, such as fares, accommodation or a tour, to the card before you leave. A return ticket bought with Velocity Points or a Virgin Australia gift voucher also counts.", "Within Australia, a return domestic flight is covered when you charge the whole fare, or at least $250 of prepaid travel costs, to the card before you go.", "For overseas cover you have to live in Australia and be under 81 when you qualify. Within Australia, claims for the injury, illness or death of anyone 81 or over are not covered.", "One trip is covered for up to six months overseas, or 28 days within Australia.", "Overseas, pre-existing medical conditions are not covered unless the insurer confirms in writing that yours is." ], "written_on": "2026-10-15", "written_against_sha256": "7570d3b9e3cc9efa210ee1526102c593c92ecab1bebdfa72b3e409bfdd65b99b" } }, { "programme_slug": "qantas-money-platinum", "issuer": "Qantas Money", "programme": "Qantas Money Platinum and Everyday credit card travel insurance", "issuer_page": "https://www.qantasmoney.com/terms-and-forms", "page": "https://deepalmanac.com/au/insurance/travel/cards/qantas-money-platinum/", "governing_document": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf", "documents": [ { "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf", "label": "Qantas Money Credit Card Complimentary Travel Insurance Terms and Conditions, effective 8 September 2025", "role": "combined", "governs": "current", "note": "The Qantas Premier brand is gone; these cards are issued by NAB for Qantas. The entry-level Everyday card shares this policy with Platinum, so it does get overseas medical cover, which cuts against the usual pattern.", "words": 24749 } ], "insurer": { "name": "Chubb Insurance Australia Limited", "abn": "23001642020", "afsl": null, "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No", "citation": { "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=3", "page": 3, "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Chubb Insurance Australia Ltd", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "239687" }, "group_policy_manager": null, "policy_owner": null, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to you solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to you solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=3", "page": 3, "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2025-09-08", "quote": "Effective 8 September 2025 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901", "citation": { "quote": "Effective 8 September 2025 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=1", "page": 1, "document_sha256": "da3ba748f2743aedd9f7029be3574ec14a9cc11284b07109ebeb73d531c17d14", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "full_fare", "amount_aud": null, "note": "no dollar minimum: the whole outbound fare for the trip must go on the card", "quote": "pay the full amount of a return Scheduled Flight or Scheduled Cruise ticket for each Covered Person", "citation": { "quote": "pay the full amount of a return Scheduled Flight or Scheduled Cruise ticket for each Covered Person", "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" } }, "return_ticket": null, "residency": { "required": true, "quote": "– who are a Resident of Australia", "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" } }, "age_limit": { "maximum_age": 79, "stated_as": "79 years of age or younger", "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" } }, "period_of_cover": { "periods": [ { "count": 30, "unit": "days", "applies_to": "Overseas Return Trips", "stated": "30 consecutive days for Overseas Return Trips" }, { "count": 14, "unit": "days", "applies_to": "Domestic Return Trips", "stated": "14 consecutive days for Domestic Return Trips" } ], "quote": "(a) 30 consecutive days for Overseas Return Trips", "citation": { "quote": "(a) 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" } }, "activation": null, "pre_existing_conditions": { "cover": "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" } }, "covers_offered": null, "travel_cover": { "international": true, "domestic": false, "named_as": null, "means": null, "quote": "Section B – Overseas Medical Emergency Expenses Cover", "citation": { "quote": "Section B – Overseas Medical Emergency Expenses Cover", "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" } }, "limits": {}, "limits_read_from": "Travel Insurance, Overseas Return Trip", "not_read": [ "some benefit limits" ], "labels": [ "overseas", "domestic", "cruise", "return-trips-only", "pay-whole-fare", "pay-part-fare", "points-count", "australian-residents-only", "age-to-79", "overseas-30-days", "domestic-14-days", "pre-existing-not-covered" ], "conditions": { "lines": [ "The same cover comes with the Qantas Money Platinum and Everyday cards; additional cardholders are not covered.", "Overseas, a return trip is covered once you have paid the whole return flight or cruise fare for each traveller with the card before you leave. Qantas Points earned on the card count as paying with it.", "Within Australia, a return trip is covered when you pay the whole return flight or cruise fare, or at least $500 of accommodation, with the card or its Qantas Points.", "Your card has to be open when you pay, and you have to live in Australia and be 79 or younger.", "One trip is covered for up to 30 days overseas, or 14 days within Australia.", "Pre-existing medical conditions are not covered." ], "written_on": "2026-10-27", "written_against_sha256": "537094cd7a7c2f1699bb5a8f53b01a40712971827a1c87996da42e60534003e3" } }, { "programme_slug": "qantas-money-titanium", "issuer": "Qantas Money", "programme": "Qantas Money Titanium credit card insurance", "issuer_page": "https://www.qantasmoney.com/terms-and-forms", "page": "https://deepalmanac.com/au/insurance/travel/cards/qantas-money-titanium/", "governing_document": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf", "documents": [ { "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf", "label": "Qantas Money Titanium Credit Card Complimentary Insurance Terms and Conditions, effective 8 September 2025", "role": "combined", "governs": "current", "note": "The same policy wording as the Platinum and Everyday booklet except for the journey cap: 180 consecutive days overseas against the Platinum booklet's 30. That is the largest difference between two cards from one issuer anywhere in this dataset.", "words": 29378 } ], "insurer": { "name": "Chubb Insurance Australia Limited", "abn": "23001642020", "afsl": null, "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No", "citation": { "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=5", "page": 5, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Chubb Insurance Australia Ltd", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "239687" }, "group_policy_manager": null, "policy_owner": null, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to you solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to you solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=6", "page": 6, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, "effective_date": { "effective_date": "2025-09-08", "quote": "Effective 8 September 2025 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901", "citation": { "quote": "Effective 8 September 2025 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=1", "page": 1, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "full_fare", "amount_aud": null, "note": "no dollar minimum: the whole outbound fare for the trip must go on the card", "quote": "departure date you pay the full amount of a return Scheduled Flight or Scheduled Cruise ticket for each Covered Person", "citation": { "quote": "departure date you pay the full amount of a return Scheduled Flight or Scheduled Cruise ticket for each Covered Person", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=8", "page": 8, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, "return_ticket": null, "residency": { "required": true, "quote": "– who are a Resident of Australia", "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" } }, "age_limit": { "maximum_age": 79, "stated_as": "79 years of age or younger", "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" } }, "period_of_cover": { "periods": [ { "count": 180, "unit": "days", "applies_to": "Overseas Return Trips", "stated": "180 consecutive days for Overseas Return Trips" }, { "count": 14, "unit": "days", "applies_to": "Domestic Return Trips", "stated": "14 consecutive days for Domestic Return Trips" } ], "quote": "(a) 180 consecutive days for Overseas Return Trips", "citation": { "quote": "(a) 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" } }, "activation": null, "pre_existing_conditions": { "cover": "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" } }, "covers_offered": null, "travel_cover": { "international": true, "domestic": false, "named_as": null, "means": null, "quote": "Section B – Overseas Medical Emergency Expenses Cover", "citation": { "quote": "Section B – Overseas Medical Emergency Expenses Cover", "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=2", "page": 2, "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0", "confirmed": "2026-11-05" } }, "limits": {}, "limits_read_from": "Travel Insurance, Overseas Return Trip", "not_read": [ "some benefit limits" ], "labels": [ "overseas", "domestic", "cruise", "return-trips-only", "pay-whole-fare", "pay-part-fare", "points-count", "australian-residents-only", "age-to-79", "overseas-180-days", "domestic-14-days", "pre-existing-not-covered" ], "conditions": { "lines": [ "Travel cover comes with the Qantas Money Titanium card, for the cardholder and additional cardholders.", "Overseas, a return trip is covered once you have paid the whole return flight or cruise fare for each traveller with the card before you leave. Qantas Points earned on the card count as paying with it.", "Within Australia, a return trip is covered when you pay the whole return flight or cruise fare, or at least $500 of accommodation, with the card or its Qantas Points.", "Your card has to be open when you pay, and you have to live in Australia and be 79 or younger.", "One trip is covered for up to 180 days overseas, or 14 days within Australia.", "Pre-existing medical conditions are not covered." ], "written_on": "2026-10-27", "written_against_sha256": "ec05c098533052bb02b11b4258250e47e0703e31c09f690ba10276738886f89a" } }, { "programme_slug": "pn-bank-cards", "issuer": "P&N Bank", "programme": "P&N Bank Visa Platinum credit card insurance", "issuer_page": "https://www.pnbank.com.au/cards/credit-cards/visa-platinum/", "page": "https://deepalmanac.com/au/insurance/travel/cards/pn-bank-cards/", "governing_document": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf", "documents": [ { "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf", "label": "P&N Bank Visa Platinum Credit Card Insurance Policy Terms and Conditions, effective 1 February 2025", "role": "combined", "governs": "current", "note": "The group policy is held by Cuscal, the mutuals' payments provider, not by P&N -- which is why this booklet and Beyond Bank's are the same policy under two bank names. Neither document says so on its face.", "words": 27483 } ], "insurer": { "name": "Chubb Insurance Australia Limited", "abn": "23001642020", "afsl": null, "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No", "citation": { "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No", "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=9", "page": 9, "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e", "confirmed": "2026-11-05" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Chubb Insurance Australia Ltd", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "239687" }, "group_policy_manager": null, "policy_owner": { "name": "Cuscal Limited", "quote": "is pursuant to a Group Policy held by Cuscal Limited, issued and underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL 239687), the benefit of which is provided on a complimentary basis to Visa Platinum Credit Card Members, subject to eligibility requirements, terms, conditions, limits and…", "citation": { "quote": "is pursuant to a Group Policy held by Cuscal Limited, issued and underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL 239687), the benefit of which is provided on a complimentary basis to Visa Platinum Credit Card Members, subject to eligibility requirements, terms, conditions, limits and", "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=38", "page": 38, "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e", "confirmed": "2026-11-05" } }, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)", "citation": { "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)", "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" } }, "effective_date": null, "charge_requirement": { "kind": "full_fare", "amount_aud": null, "note": "no dollar minimum: the whole outbound fare for the trip must go on the card", "quote": "departure date You pay the full amount of Your return Scheduled Flight or Scheduled Cruise ticket by charging the payment to the Card Member’s P&N Bank Card Account", "citation": { "quote": "departure date You pay the full amount of Your return Scheduled Flight or Scheduled Cruise ticket by charging the payment to the Card Member’s P&N Bank Card Account", "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" } }, "return_ticket": null, "residency": { "required": true, "quote": "who are a Resident of Australia", "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" } }, "age_limit": { "maximum_age": 79, "stated_as": "79 years of age or younger", "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" } }, "period_of_cover": { "periods": [ { "count": 14, "unit": "days", "applies_to": "a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip", "stated": "Fourteen (14) consecutive days for a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip" }, { "count": 180, "unit": "days", "applies_to": "an Overseas Return Trip", "stated": "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", "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" } }, "activation": null, "pre_existing_conditions": { "cover": "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" } }, "covers_offered": null, "travel_cover": { "international": true, "domestic": false, "named_as": null, "means": null, "quote": "Section B - Overseas Medical Emergency Expenses Cover 22 Section C - Accidental Death Cover 24 Section D - Public Transport Accident Cover 24 Section E - Loss of Income Cover 24 Section F - Resumption of Long Overseas Trip Cover 25 Section G - Trip Delay Cover 26 3", "citation": { "quote": "Section B - Overseas Medical Emergency Expenses Cover 22 Section C - Accidental Death Cover 24 Section D - Public Transport Accident Cover 24 Section E - Loss of Income Cover 24 Section F - Resumption of Long Overseas Trip Cover 25 Section G - Trip Delay Cover 26 3", "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" } }, "limits": {}, "limits_read_from": "Travel Insurance, Overseas Return Trip", "not_read": [ "some benefit limits" ], "labels": [ "overseas", "domestic", "cruise", "return-trips-only", "pay-whole-fare", "pay-part-fare", "australian-residents-only", "age-to-79", "overseas-180-days", "domestic-14-days", "pre-existing-not-covered" ], "conditions": { "lines": [ "Travel cover comes with the P&N Bank Visa Platinum credit card.", "Overseas, a return trip is covered once you have paid the whole return flight or cruise fare with the card before you leave.", "Within Australia, a return trip is covered when you pay the whole return flight or cruise fare, or at least $500 of accommodation, with the card.", "Your card account has to be open when you pay: not cancelled, suspended or terminated.", "You have to live in Australia and be 79 or younger.", "One trip is covered for up to 180 days overseas, or 14 days within Australia.", "Pre-existing medical conditions are not covered." ], "written_on": "2026-10-15", "written_against_sha256": "72c5da19f5186d95d8357e5ab23cc6f2eb42735ae10f95d7785885b9f3f181dc" } }, { "programme_slug": "beyond-bank-cards", "issuer": "Beyond Bank", "programme": "Beyond Bank Visa Platinum credit card insurance", "issuer_page": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/", "page": "https://deepalmanac.com/au/insurance/travel/cards/beyond-bank-cards/", "governing_document": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf", "documents": [ { "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf", "label": "Beyond Bank Visa Platinum Credit Card Insurance Policy Information Booklet, effective 1 February 2025", "role": "combined", "governs": "current", "note": "Beneficiary of the same Cuscal group policy as P&N Bank, with identical gates and limits. Beyond Bank's current card range lists only a Low Rate Visa, so this looks like a legacy card still serviced for existing holders; no dated withdrawal statement was found, so none is asserted.", "words": 28043 } ], "insurer": { "name": "Chubb Insurance Australia Limited", "abn": "23001642020", "afsl": null, "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No", "citation": { "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No", "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" } }, "register": { "outcome": "apra_authorised", "authorised": true, "matched_name": "Chubb Insurance Australia Ltd", "register_section": "Authorised to conduct new or renewal insurance business", "afs_licence_number": "239687" }, "group_policy_manager": null, "policy_owner": null, "cover_basis": { "basis": "group_policy_beneficiary", "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.", "quote": "Section 48 of the Insurance Contracts Act This Policy sets out important information about the insurance benefits available to eligible Card Members, Additional Card Members, their Spouses and Dependent Children", "citation": { "quote": "Section 48 of the Insurance Contracts Act This Policy sets out important information about the insurance benefits available to eligible Card Members, Additional Card Members, their Spouses and Dependent Children", "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" } }, "effective_date": { "effective_date": "2025-02-01", "quote": "Effective 1 February 2025 Visa Platinum Credit Card Insurance Policy Terms and Conditions", "citation": { "quote": "Effective 1 February 2025 Visa Platinum Credit Card Insurance Policy Terms and Conditions", "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=1", "page": 1, "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad", "confirmed": "2026-11-05" } }, "charge_requirement": { "kind": "full_fare", "amount_aud": null, "note": "no dollar minimum: the whole outbound fare for the trip must go on the card", "quote": "departure date You pay the full amount of Your return Scheduled Flight or Scheduled Cruise ticket by charging the payment to the Card Member’s Visa Platinum Credit Card Account", "citation": { "quote": "departure date You pay the full amount of Your return Scheduled Flight or Scheduled Cruise ticket by charging the payment to the Card Member’s Visa Platinum Credit Card Account", "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" } }, "return_ticket": null, "residency": { "required": true, "quote": "who are a Resident of Australia", "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" } }, "age_limit": { "maximum_age": 79, "stated_as": "79 years of age or younger", "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" } }, "period_of_cover": { "periods": [ { "count": 14, "unit": "days", "applies_to": "a Domestic Return Trip", "stated": "Fourteen (14) consecutive days for a Domestic Return Trip" }, { "count": 180, "unit": "days", "applies_to": "an Overseas Return Trip • who are a Resident of Australia", "stated": "eighty (180) consecutive days for an Overseas Return Trip • who are a Resident of Australia" } ], "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" } }, "activation": null, "pre_existing_conditions": { "cover": "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" } }, "covers_offered": null, "travel_cover": { "international": true, "domestic": false, "named_as": null, "means": null, "quote": "Section B - Overseas Medical Emergency Expenses Cover 33 Section C - Accidental Death Cover 35 Section D - Transport Accident Cover 36 Section E - Loss of Income Cover 37 Section F - Resumption of Long Overseas Trip Cover 38 1", "citation": { "quote": "Section B - Overseas Medical Emergency Expenses Cover 33 Section C - Accidental Death Cover 35 Section D - Transport Accident Cover 36 Section E - Loss of Income Cover 37 Section F - Resumption of Long Overseas Trip Cover 38 1", "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=2", "page": 2, "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad", "confirmed": "2026-11-05" } }, "limits": {}, "limits_read_from": "Travel Insurance, Overseas Return Trip", "not_read": [ "some benefit limits" ], "labels": [ "overseas", "domestic", "cruise", "return-trips-only", "pay-whole-fare", "pay-part-fare", "australian-residents-only", "age-to-79", "overseas-180-days", "domestic-14-days", "pre-existing-not-covered" ], "conditions": { "lines": [ "Travel cover comes with the Beyond Bank Visa Platinum credit card.", "Overseas, a return trip is covered once you have paid the whole return flight or cruise fare with the card before you leave.", "Within Australia, a return trip is covered when you pay the whole return flight or cruise fare, or at least $500 of accommodation, with the card.", "Your card account has to be open when you pay: not cancelled, suspended or terminated.", "You have to live in Australia and be 79 or younger.", "One trip is covered for up to 180 days overseas, or 14 days within Australia.", "Pre-existing medical conditions are not covered." ], "written_on": "2026-10-15", "written_against_sha256": "160cf0da13615a4f167b8307bae4ebe5472630b26dea34883da86a6f19b14e4d" } } ], "not_collected": { "issuers_known_to_offer_it_but_not_read": "Suncorp Bank's programme ended with the card: its own page says the arrangement with NAB, the issuer of Suncorp Clear Options credit cards, ended on 24 November 2025, cardholders were moved to a NAB MyCard, and Suncorp Bank is now part of the ANZ group. Two Suncorp booklets are still reachable on the web but neither is linked from any live page, so neither is pinned here. Beyond that: ING, Westpac's business range, the corporate and business cards of every issuer below, and a long tail of mutuals. The programmes above are the ones a person has read; they are a floor, not a census, and a card absent from this file is not a card without cover.", "business_and_corporate_cards": "Most issuers publish a separate booklet for business and corporate cards, usually with different limits and a different eligibility test. None is read: the dataset is for a person going on holiday.", "debit_and_travel_money_cards": "Several issuers attach insurance to a platinum debit card or a prepaid travel money card. Not read, for the same reason.", "annual_fees": "A card's annual fee is published in the card's own terms, not in the insurance document, and is not collected. See not_read_and_why.premium.", "why_two_programmes_carry_no_travel_cover": "ANZ First, CommBank's standard-card booklet and BOQ's current booklet are read even though they carry no travel insurance, because each sits beside a booklet from the same issuer that does, or -- in BOQ's case -- because the product page still advertises cover the booklet no longer contains. A reader who assumes every card in a range is covered gets this wrong, so the negative is published rather than left out." } }, "plans": { "note": "One row per brand and plan: the flat table of what a traveller can buy. The limits are that plan's own, not the insurer's best across plans, so a row can be quoted as it stands.", "varies_by": "`plan` where the columns of the source table are different plans, `household` where they are sizes of one plan. Travel Insurance Direct's tables vary by household (a single, duo and family column for each of its Comprehensive, Basic and Domestic plans), so its rows are not comparable with another brand's plans without saying so.", "caveats": "`benefit_names_unreliable` marks a brand whose benefit names wrap across lines in a way the extraction does not separate: its limits are right and its names are not. A limit absent from `limits` was not found for that plan, which is not the same as no cover -- a plan with no cover carries kind `no_cover`.", "rows": [ { "brand_slug": "australia-post", "plan_slug": "international-comprehensive-plan", "brand": "Australia Post Travel Insurance", "site": "https://auspost.com.au/travel-insurance", "insurer": "Zurich Australian Insurance Limited", "insurer_footing": "company", "product": "International", "plan": "International Comprehensive Plan", "varies_by": "plan", "benefits_read": 23, "plan_names_read_from_document": true, "benefit_names_unreliable": false, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$Unlimited#", "citation": { "quote": "Overseas Medical Expenses", "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", "cells": [ "Yes", "$Unlimited#", "$Unlimited#" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 12000, "stated": "$12,000", "citation": { "quote": "4* Luggage and Personal Effects", "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", "cells": [ "$12,000", "$Nil" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 10000, "stated": "$10,000", "citation": { "quote": "8 Rental Car Insurance Excess", "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", "cells": [ "No", "$10,000", "$Nil" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 5000000, "stated": "$5,000,000", "citation": { "quote": "16 Personal Liability", "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", "cells": [ "No", "$5,000,000", "$5,000,000" ] } }, "travel_delay": { "kind": "amount", "amount_aud": 2000, "stated": "$2,000", "citation": { "quote": "9* Travel Delay", "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", "cells": [ "No", "$2,000", "$Nil" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 25000, "stated": "$25,000^", "citation": { "quote": "15* Accidental Death", "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", "cells": [ "No", "$25,000^", "$10,000" ] } }, "cash": { "kind": "amount", "amount_aud": 250, "stated": "$250", "citation": { "quote": "7 Money", "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", "cells": [ "No", "$250", "$Nil" ] } } }, "implausible": null, "excess_applies": { "overseas_medical": true, "rental_vehicle_excess": false, "personal_liability": false, "travel_delay": false, "accidental_death": false, "cash": false }, "document": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf", "labels": [ "overseas", "single-trip", "annual-multi-trip", "cruise-add-on", "pre-existing-if-approved", "pre-existing-some-included", "overseas-365-days", "australian-residents-only" ], "conditions": { "lines": [ "Covers one overseas trip, or every trip in a year as an Annual Multi-Trip policy up to the trip length chosen.", "Worldwide cover is at most 12 months in total.", "A cruise of two or more nights on an ocean or sea outside Australian coastal waters is covered only if Cruise Cover is added, for an extra premium.", "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "You must live in Australia, with a Medicare card or a visa to live, work or study here, and be returning home at the end of the trip." ], "written_on": "2026-10-15", "written_against_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-if-approved", "pre-existing-some-included" ], "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795", "automatically_covered": { "where": "listed in the document", "pds_url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Migraine", "Peptic Ulcer", "Gastric Ulcer", "Plantar Fasciitis", "Raynaud’s Disease", "Skin Cancer", "Stenosing Tenosynovitis (Trigger Finger)", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We Automatically Include", "page": 11 }, "who": [], "lead": { "line": "A condition in the table is covered automatically if all the points below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the table following provided:", "page": 11 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition you have must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 11 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 11 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 11 }, { "line": "Not awaiting investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 11 }, { "line": "Each condition meets its own criteria in the table.", "quote": "Your conditions satisfy the criteria in the table following", "page": 11 } ], "count": 37, "conditions": [ { "name": "Acne", "criteria": [], "page": 11 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [], "page": 11 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 11 }, { "name": "Anxiety", "criteria": [ "You have not been diagnosed with Depression in the last 3 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 11 }, { "name": "Asthma", "criteria": [ "You are less than 60 years of age when You purchase the policy", "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 11 }, { "name": "Bell’s Palsy", "criteria": [], "page": 12 }, { "name": "Bunions", "criteria": [], "page": 12 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 12 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 12 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 12 }, { "name": "Coeliac Disease", "criteria": [], "page": 12 }, { "name": "Congenital Blindness", "criteria": [], "page": 12 }, { "name": "Congenital Deafness", "criteria": [], "page": 12 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last 2 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 11 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 12 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 12 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)" ], "page": 12 }, { "name": "Goitre", "criteria": [], "page": 12 }, { "name": "Graves’ Disease", "criteria": [], "page": 12 }, { "name": "Gout", "criteria": [], "page": 12 }, { "name": "Hiatus Hernia", "criteria": [], "page": 12 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 12 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 12 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 12 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 12 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 12 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 12 }, { "name": "Migraine", "criteria": [], "page": 12 }, { "name": "Peptic Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 12 }, { "name": "Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 12 }, { "name": "Plantar Fasciitis", "criteria": [], "page": 12 }, { "name": "Raynaud’s Disease", "criteria": [], "page": 12 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 12 }, { "name": "Stenosing Tenosynovitis (Trigger Finger)", "criteria": [], "page": 13 }, { "name": "Urinary Incontinence", "criteria": [], "page": 13 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 13 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 13 } ], "notes": [ { "line": "The automatic cover only applies if you have no existing medical condition beyond those on the list.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 13 } ], "otherwise": [ { "line": "A condition not on the list, or one that does not meet its criteria, needs an online health assessment declaring all your existing medical conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 13 }, { "line": "Other existing conditions are excluded unless cover is applied for and approved, which may cost an extra premium.", "quote": "If such cover is applied for and approved, an extra premium may apply.", "page": 10 } ], "document_cited": { "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6", "confirmed": "2026-11-05", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=australia-post].automatically_covered_conditions" } } }, { "brand_slug": "australia-post", "plan_slug": "international-basic-plan", "brand": "Australia Post Travel Insurance", "site": "https://auspost.com.au/travel-insurance", "insurer": "Zurich Australian Insurance Limited", "insurer_footing": "company", "product": "International", "plan": "International Basic Plan", "varies_by": "plan", "benefits_read": 23, "plan_names_read_from_document": true, "benefit_names_unreliable": false, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$Unlimited#", "citation": { "quote": "Overseas Medical Expenses", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=4", "page": 4, "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6", "confirmed": "2026-11-05", "cells": [ "Yes", "$Unlimited#", "$Unlimited#" ] } }, "luggage_total": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "4* Luggage and Personal Effects", "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", "cells": [ "$12,000", "$Nil" ] } }, "rental_vehicle_excess": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "8 Rental Car Insurance Excess", "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", "cells": [ "No", "$10,000", "$Nil" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 5000000, "stated": "$5,000,000", "citation": { "quote": "16 Personal Liability", "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", "cells": [ "No", "$5,000,000", "$5,000,000" ] } }, "travel_delay": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "9* Travel Delay", "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", "cells": [ "No", "$2,000", "$Nil" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 10000, "stated": "$10,000", "citation": { "quote": "15* Accidental Death", "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", "cells": [ "No", "$25,000^", "$10,000" ] } }, "cash": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "7 Money", "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", "cells": [ "No", "$250", "$Nil" ] } } }, "implausible": null, "excess_applies": { "overseas_medical": true, "rental_vehicle_excess": false, "personal_liability": false, "travel_delay": false, "accidental_death": false, "cash": false }, "document": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf", "labels": [ "overseas", "single-trip", "annual-multi-trip", "cruise-add-on", "pre-existing-if-approved", "pre-existing-some-included", "overseas-365-days", "australian-residents-only" ], "conditions": { "lines": [ "Covers one overseas trip, or every trip in a year as an Annual Multi-Trip policy up to the trip length chosen.", "Worldwide cover is at most 12 months in total.", "A cruise of two or more nights on an ocean or sea outside Australian coastal waters is covered only if Cruise Cover is added, for an extra premium.", "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "You must live in Australia, with a Medicare card or a visa to live, work or study here, and be returning home at the end of the trip." ], "written_on": "2026-10-15", "written_against_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-if-approved", "pre-existing-some-included" ], "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795", "automatically_covered": { "where": "listed in the document", "pds_url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Migraine", "Peptic Ulcer", "Gastric Ulcer", "Plantar Fasciitis", "Raynaud’s Disease", "Skin Cancer", "Stenosing Tenosynovitis (Trigger Finger)", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We Automatically Include", "page": 11 }, "who": [], "lead": { "line": "A condition in the table is covered automatically if all the points below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the table following provided:", "page": 11 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition you have must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 11 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 11 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 11 }, { "line": "Not awaiting investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 11 }, { "line": "Each condition meets its own criteria in the table.", "quote": "Your conditions satisfy the criteria in the table following", "page": 11 } ], "count": 37, "conditions": [ { "name": "Acne", "criteria": [], "page": 11 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [], "page": 11 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 11 }, { "name": "Anxiety", "criteria": [ "You have not been diagnosed with Depression in the last 3 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 11 }, { "name": "Asthma", "criteria": [ "You are less than 60 years of age when You purchase the policy", "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 11 }, { "name": "Bell’s Palsy", "criteria": [], "page": 12 }, { "name": "Bunions", "criteria": [], "page": 12 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 12 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 12 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 12 }, { "name": "Coeliac Disease", "criteria": [], "page": 12 }, { "name": "Congenital Blindness", "criteria": [], "page": 12 }, { "name": "Congenital Deafness", "criteria": [], "page": 12 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last 2 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 11 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 12 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 12 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)" ], "page": 12 }, { "name": "Goitre", "criteria": [], "page": 12 }, { "name": "Graves’ Disease", "criteria": [], "page": 12 }, { "name": "Gout", "criteria": [], "page": 12 }, { "name": "Hiatus Hernia", "criteria": [], "page": 12 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 12 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 12 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 12 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 12 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 12 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 12 }, { "name": "Migraine", "criteria": [], "page": 12 }, { "name": "Peptic Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 12 }, { "name": "Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 12 }, { "name": "Plantar Fasciitis", "criteria": [], "page": 12 }, { "name": "Raynaud’s Disease", "criteria": [], "page": 12 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 12 }, { "name": "Stenosing Tenosynovitis (Trigger Finger)", "criteria": [], "page": 13 }, { "name": "Urinary Incontinence", "criteria": [], "page": 13 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 13 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 13 } ], "notes": [ { "line": "The automatic cover only applies if you have no existing medical condition beyond those on the list.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 13 } ], "otherwise": [ { "line": "A condition not on the list, or one that does not meet its criteria, needs an online health assessment declaring all your existing medical conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 13 }, { "line": "Other existing conditions are excluded unless cover is applied for and approved, which may cost an extra premium.", "quote": "If such cover is applied for and approved, an extra premium may apply.", "page": 10 } ], "document_cited": { "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6", "confirmed": "2026-11-05", "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=australia-post].automatically_covered_conditions" } } }, { "brand_slug": "budget-direct", "plan_slug": "comprehensive", "brand": "Budget Direct Travel Insurance", "site": "https://www.budgetdirect.com.au/travel-insurance.html", "insurer": "Zurich Australian Insurance Limited", "insurer_footing": "company", "product": "International", "plan": "Comprehensive", "varies_by": "plan", "benefits_read": 24, "plan_names_read_from_document": true, "benefit_names_unreliable": false, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$Unlimited~", "citation": { "quote": "Overseas medical expenses (including emergency repatriation/evacuation)", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "Yes", "$Unlimited~", "$Unlimited~", "$Unlimited~" ] } }, "cancellation": { "kind": "sum_insured_chosen", "amount_aud": null, "stated": "$10,000^ (or cover chosen)", "citation": { "quote": "3* Amendment or Cancellation Costs", "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", "cells": [ "Yes", "$10,000^ (or cover chosen)", "$5,000^ (or cover chosen)", "$Nil" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 10000, "stated": "$10,000", "citation": { "quote": "4* Luggage and Personal Effects", "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", "cells": [ "$10,000", "$5,000", "$2,000" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 10000, "stated": "$10,000", "citation": { "quote": "7 Rental Vehicle Insurance Excess", "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", "cells": [ "No", "$10,000", "$4,000", "$Nil" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 5000000, "stated": "$5,000,000", "citation": { "quote": "Personal Liability", "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", "cells": [ "No", "$5,000,000", "$2,500,000", "$1,000,000" ] } }, "travel_delay": { "kind": "amount", "amount_aud": 2000, "stated": "$2,000", "citation": { "quote": "8* Travel Delay", "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", "cells": [ "No", "$2,000", "$1,000", "$Nil" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 30000, "stated": "$30,000†", "citation": { "quote": "16* Accidental Death", "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", "cells": [ "No", "$30,000†", "$20,000†", "$Nil" ] } }, "cash": { "kind": "amount", "amount_aud": 400, "stated": "$400", "citation": { "quote": "6 Money", "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", "cells": [ "No", "$400", "$250", "$Nil" ] } } }, "implausible": null, "excess_applies": { "overseas_medical": true, "cancellation": true, "rental_vehicle_excess": false, "personal_liability": false, "travel_delay": false, "accidental_death": false, "cash": false }, "document": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf", "labels": [ "overseas", "single-trip", "annual-multi-trip", "cruise-add-on", "pre-existing-if-approved", "pre-existing-some-included", "overseas-365-days", "australian-residents-only" ], "conditions": { "lines": [ "Covers one overseas trip, or every trip in a year as an Annual Multi-Trip policy up to the trip length chosen.", "Worldwide cover is at most 12 months in total.", "A cruise of two or more nights on an ocean or sea outside Australian coastal waters is covered only if Cruise Cover is added, for an extra premium.", "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "You must live in Australia, with a Medicare card or a visa to live, work or study here, and be returning home at the end of the trip." ], "written_on": "2026-10-15", "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-if-approved", "pre-existing-some-included" ], "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31", "automatically_covered": { "where": "listed in the document", "pds_url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Migraine", "Peptic Ulcer", "Gastric Ulcer", "Plantar Fasciitis", "Raynaud’s Disease", "Skin Cancer", "Stenosing Tenosynovitis", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We automatically include", "page": 16 }, "who": [], "lead": { "line": "A condition in the table is covered automatically if all the points below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the following table provided:", "page": 16 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition you have must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 16 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 16 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 16 }, { "line": "Not awaiting investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 16 }, { "line": "Each condition meets its own criteria in the table.", "quote": "Your condition satisfies the criteria in the following table", "page": 16 } ], "count": 37, "conditions": [ { "name": "Acne", "criteria": [], "page": 16 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [], "page": 16 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 16 }, { "name": "Anxiety", "criteria": [ "You have not been diagnosed with Depression in the last 3 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 16 }, { "name": "Asthma", "criteria": [ "You are less than 60 years of age when You purchase the policy", "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 16 }, { "name": "Bell’s Palsy", "criteria": [], "page": 17 }, { "name": "Bunions", "criteria": [], "page": 17 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 17 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 17 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 17 }, { "name": "Coeliac Disease", "criteria": [], "page": 17 }, { "name": "Congenital Blindness", "criteria": [], "page": 17 }, { "name": "Congenital Deafness", "criteria": [], "page": 17 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last 2 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 16 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 17 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 17 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)" ], "page": 17 }, { "name": "Goitre", "criteria": [], "page": 17 }, { "name": "Graves’ Disease", "criteria": [], "page": 17 }, { "name": "Gout", "criteria": [], "page": 17 }, { "name": "Hiatus Hernia", "criteria": [], "page": 17 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 17 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 17 }, { "name": "Migraine", "criteria": [], "page": 17 }, { "name": "Peptic Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 17 }, { "name": "Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 17 }, { "name": "Plantar Fasciitis", "criteria": [], "page": 17 }, { "name": "Raynaud’s Disease", "criteria": [], "page": 17 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 18 }, { "name": "Stenosing Tenosynovitis", "criteria": [], "page": 18 }, { "name": "Urinary Incontinence", "criteria": [], "page": 18 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 18 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 18 } ], "notes": [ { "line": "The automatic cover only applies if you have no existing medical condition beyond those on the list.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 18 } ], "otherwise": [ { "line": "A condition not on the list, or one that does not meet its criteria, needs an online health assessment declaring all your existing medical conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 18 }, { "line": "Other existing conditions are excluded unless cover is applied for and approved, which may cost an extra premium.", "quote": "If such cover is applied for and approved, an additional premium may apply.", "page": 15 } ], "document_cited": { "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=budget-direct].automatically_covered_conditions" } } }, { "brand_slug": "budget-direct", "plan_slug": "essential", "brand": "Budget Direct Travel Insurance", "site": "https://www.budgetdirect.com.au/travel-insurance.html", "insurer": "Zurich Australian Insurance Limited", "insurer_footing": "company", "product": "International", "plan": "Essential", 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"f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "Yes", "$10,000^ (or cover chosen)", "$5,000^ (or cover chosen)", "$Nil" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 5000, "stated": "$5,000", "citation": { "quote": "4* Luggage and Personal Effects", "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", "cells": [ "$10,000", "$5,000", "$2,000" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 4000, "stated": "$4,000", "citation": { "quote": "7 Rental Vehicle Insurance Excess", "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", "cells": [ "No", "$10,000", "$4,000", "$Nil" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 2500000, "stated": "$2,500,000", "citation": { "quote": "Personal Liability", "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", "cells": [ "No", "$5,000,000", "$2,500,000", "$1,000,000" ] } }, "travel_delay": { "kind": "amount", "amount_aud": 1000, "stated": "$1,000", "citation": { "quote": "8* Travel Delay", "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", "cells": [ "No", "$2,000", "$1,000", "$Nil" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 20000, "stated": "$20,000†", "citation": { "quote": "16* Accidental Death", "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", "cells": [ "No", "$30,000†", "$20,000†", "$Nil" ] } }, "cash": { "kind": "amount", "amount_aud": 250, "stated": "$250", "citation": { "quote": "6 Money", "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", "cells": [ "No", "$400", "$250", "$Nil" ] } } }, "implausible": null, "excess_applies": { "overseas_medical": true, "cancellation": true, "rental_vehicle_excess": false, "personal_liability": false, "travel_delay": false, "accidental_death": false, "cash": false }, "document": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf", "labels": [ "overseas", "single-trip", "annual-multi-trip", "cruise-add-on", "pre-existing-if-approved", "pre-existing-some-included", "overseas-365-days", "australian-residents-only" ], "conditions": { "lines": [ "Covers one overseas trip, or every trip in a year as an Annual Multi-Trip policy up to the trip length chosen.", "Worldwide cover is at most 12 months in total.", "A cruise of two or more nights on an ocean or sea outside Australian coastal waters is covered only if Cruise Cover is added, for an extra premium.", "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "You must live in Australia, with a Medicare card or a visa to live, work or study here, and be returning home at the end of the trip." ], "written_on": "2026-10-15", "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-if-approved", "pre-existing-some-included" ], "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31", "automatically_covered": { "where": "listed in the document", "pds_url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Migraine", "Peptic Ulcer", "Gastric Ulcer", "Plantar Fasciitis", "Raynaud’s Disease", "Skin Cancer", "Stenosing Tenosynovitis", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We automatically include", "page": 16 }, "who": [], "lead": { "line": "A condition in the table is covered automatically if all the points below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the following table provided:", "page": 16 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition you have must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 16 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 16 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 16 }, { "line": "Not awaiting investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 16 }, { "line": "Each condition meets its own criteria in the table.", "quote": "Your condition satisfies the criteria in the following table", "page": 16 } ], "count": 37, "conditions": [ { "name": "Acne", "criteria": [], "page": 16 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [], "page": 16 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 16 }, { "name": "Anxiety", "criteria": [ "You have not been diagnosed with Depression in the last 3 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 16 }, { "name": "Asthma", "criteria": [ "You are less than 60 years of age when You purchase the policy", "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 16 }, { "name": "Bell’s Palsy", "criteria": [], "page": 17 }, { "name": "Bunions", "criteria": [], "page": 17 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 17 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 17 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 17 }, { "name": "Coeliac Disease", "criteria": [], "page": 17 }, { "name": "Congenital Blindness", "criteria": [], "page": 17 }, { "name": "Congenital Deafness", "criteria": [], "page": 17 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last 2 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 16 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 17 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 17 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)" ], "page": 17 }, { "name": "Goitre", "criteria": [], "page": 17 }, { "name": "Graves’ Disease", "criteria": [], "page": 17 }, { "name": "Gout", "criteria": [], "page": 17 }, { "name": "Hiatus Hernia", "criteria": [], "page": 17 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 17 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 17 }, { "name": "Migraine", "criteria": [], "page": 17 }, { "name": "Peptic Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 17 }, { "name": "Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 17 }, { "name": "Plantar Fasciitis", "criteria": [], "page": 17 }, { "name": "Raynaud’s Disease", "criteria": [], "page": 17 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 18 }, { "name": "Stenosing Tenosynovitis", "criteria": [], "page": 18 }, { "name": "Urinary Incontinence", "criteria": [], "page": 18 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 18 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 18 } ], "notes": [ { "line": "The automatic cover only applies if you have no existing medical condition beyond those on the list.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 18 } ], "otherwise": [ { "line": "A condition not on the list, or one that does not meet its criteria, needs an online health assessment declaring all your existing medical conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 18 }, { "line": "Other existing conditions are excluded unless cover is applied for and approved, which may cost an extra premium.", "quote": "If such cover is applied for and approved, an additional premium may apply.", "page": 15 } ], "document_cited": { "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=budget-direct].automatically_covered_conditions" } } }, { "brand_slug": "budget-direct", "plan_slug": "basic", "brand": "Budget Direct Travel Insurance", "site": "https://www.budgetdirect.com.au/travel-insurance.html", "insurer": "Zurich Australian Insurance Limited", "insurer_footing": "company", "product": "International", "plan": "Basic", "varies_by": "plan", "benefits_read": 24, "plan_names_read_from_document": true, "benefit_names_unreliable": false, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$Unlimited~", "citation": { "quote": "Overseas medical expenses (including emergency repatriation/evacuation)", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "Yes", "$Unlimited~", "$Unlimited~", "$Unlimited~" ] } }, "cancellation": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "3* Amendment or Cancellation Costs", "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", "cells": [ "Yes", "$10,000^ (or cover chosen)", "$5,000^ (or cover chosen)", "$Nil" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 2000, "stated": "$2,000", "citation": { "quote": "4* Luggage and Personal Effects", "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", "cells": [ "$10,000", "$5,000", "$2,000" ] } }, "rental_vehicle_excess": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "7 Rental Vehicle Insurance Excess", "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", "cells": [ "No", "$10,000", "$4,000", "$Nil" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 1000000, "stated": "$1,000,000", "citation": { "quote": "Personal Liability", "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", "cells": [ "No", "$5,000,000", "$2,500,000", "$1,000,000" ] } }, "travel_delay": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "8* Travel Delay", "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", "cells": [ "No", "$2,000", "$1,000", "$Nil" ] } }, "accidental_death": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "16* Accidental Death", "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", "cells": [ "No", "$30,000†", "$20,000†", "$Nil" ] } }, "cash": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "6 Money", "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", "cells": [ "No", "$400", "$250", "$Nil" ] } } }, "implausible": null, "excess_applies": { "overseas_medical": true, "cancellation": true, "rental_vehicle_excess": false, "personal_liability": false, "travel_delay": false, "accidental_death": false, "cash": false }, "document": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf", "labels": [ "overseas", "single-trip", "cruise-add-on", "pre-existing-if-approved", "pre-existing-some-included", "overseas-365-days", "australian-residents-only" ], "conditions": { "lines": [ "Covers one overseas trip.", "Worldwide cover is at most 12 months in total.", "A cruise of two or more nights on an ocean or sea outside Australian coastal waters is covered only if Cruise Cover is added, for an extra premium.", "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "You must live in Australia, with a Medicare card or a visa to live, work or study here, and be returning home at the end of the trip." ], "written_on": "2026-10-15", "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-if-approved", "pre-existing-some-included" ], "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31", "automatically_covered": { "where": "listed in the document", "pds_url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Migraine", "Peptic Ulcer", "Gastric Ulcer", "Plantar Fasciitis", "Raynaud’s Disease", "Skin Cancer", "Stenosing Tenosynovitis", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We automatically include", "page": 16 }, "who": [], "lead": { "line": "A condition in the table is covered automatically if all the points below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the following table provided:", "page": 16 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition you have must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 16 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 16 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 16 }, { "line": "Not awaiting investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 16 }, { "line": "Each condition meets its own criteria in the table.", "quote": "Your condition satisfies the criteria in the following table", "page": 16 } ], "count": 37, "conditions": [ { "name": "Acne", "criteria": [], "page": 16 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [], "page": 16 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 16 }, { "name": "Anxiety", "criteria": [ "You have not been diagnosed with Depression in the last 3 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 16 }, { "name": "Asthma", "criteria": [ "You are less than 60 years of age when You purchase the policy", "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 16 }, { "name": "Bell’s Palsy", "criteria": [], "page": 17 }, { "name": "Bunions", "criteria": [], "page": 17 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 17 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 17 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 17 }, { "name": "Coeliac Disease", "criteria": [], "page": 17 }, { "name": "Congenital Blindness", "criteria": [], "page": 17 }, { "name": "Congenital Deafness", "criteria": [], "page": 17 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last 2 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 16 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 17 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 17 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)" ], "page": 17 }, { "name": "Goitre", "criteria": [], "page": 17 }, { "name": "Graves’ Disease", "criteria": [], "page": 17 }, { "name": "Gout", "criteria": [], "page": 17 }, { "name": "Hiatus Hernia", "criteria": [], "page": 17 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 17 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 17 }, { "name": "Migraine", "criteria": [], "page": 17 }, { "name": "Peptic Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 17 }, { "name": "Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 17 }, { "name": "Plantar Fasciitis", "criteria": [], "page": 17 }, { "name": "Raynaud’s Disease", "criteria": [], "page": 17 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 18 }, { "name": "Stenosing Tenosynovitis", "criteria": [], "page": 18 }, { "name": "Urinary Incontinence", "criteria": [], "page": 18 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 18 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 18 } ], "notes": [ { "line": "The automatic cover only applies if you have no existing medical condition beyond those on the list.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 18 } ], "otherwise": [ { "line": "A condition not on the list, or one that does not meet its criteria, needs an online health assessment declaring all your existing medical conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 18 }, { "line": "Other existing conditions are excluded unless cover is applied for and approved, which may cost an extra premium.", "quote": "If such cover is applied for and approved, an additional premium may apply.", "page": 15 } ], "document_cited": { "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=budget-direct].automatically_covered_conditions" } } }, { "brand_slug": "cover-more", "plan_slug": "international-basic", "brand": "Cover-More", "site": "https://www.covermore.com.au/", "insurer": "Zurich Australian Insurance Limited", "insurer_footing": "company", "product": "International", "plan": "International Basic", "varies_by": "plan", "benefits_read": 35, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$Unlimited~", "citation": { "quote": "Overseas Medical Expenses", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3", "page": 3, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "Yes", "$Unlimited~", "$Unlimited~", "$Unlimited~" ] } }, "cancellation": { "kind": "sum_insured_chosen", "amount_aud": null, "stated": "$Cover Chosen^", "citation": { "quote": "4* Amendment or Cancellation Costs", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3", "page": 3, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "Yes", "$Cover Chosen^", "$Cover Chosen^", "$Cover Chosen^" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 5000, "stated": "$5,000", "citation": { "quote": "5* Luggage and Travel Documents", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3", "page": 3, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "$5,000", "$15,000", "$25,000" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 1000000, "stated": "$1,000,000", "citation": { "quote": "18 Personal Liability", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4", "page": 4, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$1,000,000", "$2,500,000", "$5,000,000" ] } }, "travel_delay": { "kind": "no_cover", "amount_aud": 0, "stated": "No Cover", "citation": { "quote": "9* Travel Delay", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3", "page": 3, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "No Cover", "$2,000", "$3,000" ] } }, "cash": { "kind": "no_cover", "amount_aud": 0, "stated": "No Cover", "citation": { "quote": "7 Money", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3", "page": 3, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "No Cover", "$250", "$500" ] } } }, "implausible": null, "excess_applies": { "overseas_medical": true, "cancellation": true, "rental_vehicle_excess": false, "personal_liability": false, "travel_delay": false, "accidental_death": false, "cash": false }, "document": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf", "labels": [ "single-trip", "overseas", "cruise-add-on", "pre-existing-if-approved", "pre-existing-some-included", "overseas-365-days" ], "conditions": { "lines": [ "Covers one overseas trip.", "The longest trip is the one shown on your certificate; worldwide cover is at most 12 months in total.", "A cruise of two or more nights at sea is covered only if Cruise Cover is added, for an extra premium.", "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically." ], "written_on": "2026-10-15", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-if-approved", "pre-existing-some-included" ], "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9", "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Migraine", "Peptic/ Gastric Ulcer", "Plantar Fasciitis", "Raynaud’s Disease", "Skin Cancer", "Stenosing Tenosynovitis (Trigger Finger)", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We automatically include", "page": 18 }, "who": [ { "line": "The Inbound plan is for non-Australian residents visiting Australia.", "quote": "The Inbound plan is for non-Australian residents travelling to and within Australia.", "page": 10 }, { "line": "On the Inbound plan the automatic list is the only cover for existing medical conditions; there is no assessment route.", "quote": "There is no cover for any Existing Medical Conditions other than those conditions We automatically include.", "page": 10 } ], "lead": { "line": "Conditions in the table are covered automatically if the criteria below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the table following provided", "page": 18 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition the traveller has must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 18 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 18 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 18 }, { "line": "Not waiting for investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 18 }, { "line": "The condition meets its own criteria in the table.", "quote": "Your condition satisfies the criteria in the table following", "page": 18 }, { "line": "Time frames run back from the Relevant Time unless stated otherwise.", "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise", "page": 18 } ], "count": 36, "conditions": [ { "name": "Acne", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 18 }, { "name": "Anxiety", "criteria": [ "You have not been diagnosed with Depression in the last 3 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 18 }, { "name": "Asthma", "criteria": [ "You are less than 60 years of age when You purchase the policy", "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 18 }, { "name": "Bell’s Palsy", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Bunions", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Carpal Tunnel Syndrome", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 18 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 18 }, { "name": "Coeliac Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Congenital Blindness", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Congenital Deafness", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last 2 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 18 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 18 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 18 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/ Gastric Ulcer)" ], "page": 18 }, { "name": "Goitre", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Graves’ Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Gout", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Hiatus Hernia", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 18 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 18 }, { "name": "Migraine", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Peptic/ Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/ Gastric Ulcer has been stable" ], "page": 18 }, { "name": "Plantar Fasciitis", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Raynaud’s Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 18 }, { "name": "Stenosing Tenosynovitis (Trigger Finger)", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Urinary Incontinence", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour" ], "page": 18 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour" ], "page": 18 } ], "notes": [ { "line": "The automatic list does not apply at all if the traveller has any other existing medical condition not on it.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 19 } ], "otherwise": [ { "line": "A condition not on the list, or one that fails its criteria, needs an online health assessment declaring all existing conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 19 }, { "line": "Existing conditions are otherwise excluded; cover can be applied for and may cost an extra premium if approved.", "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.", "page": 17 } ], "document_cited": { "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=cover-more].automatically_covered_conditions" } } }, { "brand_slug": "cover-more", "plan_slug": "international-comprehensive", "brand": "Cover-More", "site": "https://www.covermore.com.au/", "insurer": "Zurich Australian Insurance Limited", "insurer_footing": "company", "product": "International", "plan": "International Comprehensive", "varies_by": "plan", "benefits_read": 35, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$Unlimited~", "citation": { "quote": "Overseas Medical Expenses", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3", "page": 3, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "Yes", "$Unlimited~", "$Unlimited~", "$Unlimited~" ] } }, "cancellation": { "kind": "sum_insured_chosen", "amount_aud": null, "stated": "$Cover Chosen^", "citation": { "quote": "4* Amendment or Cancellation Costs", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3", "page": 3, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "Yes", "$Cover Chosen^", "$Cover Chosen^", "$Cover Chosen^" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 15000, "stated": "$15,000", "citation": { "quote": "5* Luggage and Travel Documents", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3", "page": 3, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "$5,000", "$15,000", "$25,000" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 5000, "stated": "$5,000", "citation": { "quote": "Rental Vehicle Insurance Excess", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3", "page": 3, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$5,000", "$10,000" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 2500000, "stated": "$2,500,000", "citation": { "quote": "18 Personal Liability", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4", "page": 4, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$1,000,000", "$2,500,000", "$5,000,000" ] } }, "travel_delay": { "kind": "amount", "amount_aud": 2000, "stated": "$2,000", "citation": { "quote": "9* Travel Delay", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3", "page": 3, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "No Cover", "$2,000", "$3,000" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 25000, "stated": "$25,000◊", "citation": { "quote": "17 Accidental Death", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4", "page": 4, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$25,000◊", "$30,000◊" ] } }, "cash": { "kind": "amount", "amount_aud": 250, "stated": "$250", "citation": { "quote": "7 Money", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3", "page": 3, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "No Cover", "$250", "$500" ] } } }, "implausible": null, "excess_applies": { "overseas_medical": true, "cancellation": true, "rental_vehicle_excess": false, "personal_liability": false, "travel_delay": false, "accidental_death": false, "cash": false }, "document": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf", "labels": [ "single-trip", "annual-multi-trip", "overseas", "cruise-add-on", "pre-existing-if-approved", "pre-existing-some-included", "overseas-365-days" ], "conditions": { "lines": [ "Covers one overseas trip, or every trip in a year as an Annual Multi-Trip policy up to the trip length chosen.", "The longest trip is the one shown on your certificate; worldwide cover is at most 12 months in total.", "A cruise of two or more nights at sea is covered only if Cruise Cover is added, for an extra premium.", "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically." ], "written_on": "2026-10-15", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-if-approved", "pre-existing-some-included" ], "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9", "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Migraine", "Peptic/ Gastric Ulcer", "Plantar Fasciitis", "Raynaud’s Disease", "Skin Cancer", "Stenosing Tenosynovitis (Trigger Finger)", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We automatically include", "page": 18 }, "who": [ { "line": "The Inbound plan is for non-Australian residents visiting Australia.", "quote": "The Inbound plan is for non-Australian residents travelling to and within Australia.", "page": 10 }, { "line": "On the Inbound plan the automatic list is the only cover for existing medical conditions; there is no assessment route.", "quote": "There is no cover for any Existing Medical Conditions other than those conditions We automatically include.", "page": 10 } ], "lead": { "line": "Conditions in the table are covered automatically if the criteria below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the table following provided", "page": 18 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition the traveller has must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 18 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 18 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 18 }, { "line": "Not waiting for investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 18 }, { "line": "The condition meets its own criteria in the table.", "quote": "Your condition satisfies the criteria in the table following", "page": 18 }, { "line": "Time frames run back from the Relevant Time unless stated otherwise.", "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise", "page": 18 } ], "count": 36, "conditions": [ { "name": "Acne", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 18 }, { "name": "Anxiety", "criteria": [ "You have not been diagnosed with Depression in the last 3 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 18 }, { "name": "Asthma", "criteria": [ "You are less than 60 years of age when You purchase the policy", "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 18 }, { "name": "Bell’s Palsy", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Bunions", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Carpal Tunnel Syndrome", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 18 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 18 }, { "name": "Coeliac Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Congenital Blindness", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Congenital Deafness", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last 2 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 18 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 18 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 18 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/ Gastric Ulcer)" ], "page": 18 }, { "name": "Goitre", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Graves’ Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Gout", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Hiatus Hernia", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 18 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 18 }, { "name": "Migraine", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Peptic/ Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/ Gastric Ulcer has been stable" ], "page": 18 }, { "name": "Plantar Fasciitis", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Raynaud’s Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 18 }, { "name": "Stenosing Tenosynovitis (Trigger Finger)", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Urinary Incontinence", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour" ], "page": 18 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour" ], "page": 18 } ], "notes": [ { "line": "The automatic list does not apply at all if the traveller has any other existing medical condition not on it.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 19 } ], "otherwise": [ { "line": "A condition not on the list, or one that fails its criteria, needs an online health assessment declaring all existing conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 19 }, { "line": "Existing conditions are otherwise excluded; cover can be applied for and may cost an extra premium if approved.", "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.", "page": 17 } ], "document_cited": { "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=cover-more].automatically_covered_conditions" } } }, { "brand_slug": "cover-more", "plan_slug": "international-comprehensive-plus", "brand": "Cover-More", "site": "https://www.covermore.com.au/", "insurer": "Zurich Australian Insurance Limited", "insurer_footing": "company", "product": "International", "plan": "International Comprehensive+", "varies_by": "plan", "benefits_read": 35, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$Unlimited~", "citation": { "quote": "Overseas Medical Expenses", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3", "page": 3, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "Yes", "$Unlimited~", "$Unlimited~", "$Unlimited~" ] } }, "cancellation": { "kind": "sum_insured_chosen", "amount_aud": null, "stated": "$Cover Chosen^", "citation": { "quote": "4* Amendment or Cancellation Costs", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3", "page": 3, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "Yes", "$Cover Chosen^", "$Cover Chosen^", "$Cover Chosen^" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 25000, "stated": "$25,000", "citation": { "quote": "5* Luggage and Travel Documents", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3", "page": 3, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "$5,000", "$15,000", "$25,000" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 10000, "stated": "$10,000", "citation": { "quote": "Rental Vehicle Insurance Excess", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3", "page": 3, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$5,000", "$10,000" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 5000000, "stated": "$5,000,000", "citation": { "quote": "18 Personal Liability", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4", "page": 4, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$1,000,000", "$2,500,000", "$5,000,000" ] } }, "travel_delay": { "kind": "amount", "amount_aud": 3000, "stated": "$3,000", "citation": { "quote": "9* Travel Delay", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3", "page": 3, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "No Cover", "$2,000", "$3,000" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 30000, "stated": "$30,000◊", "citation": { "quote": "17 Accidental Death", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=4", "page": 4, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$25,000◊", "$30,000◊" ] } }, "cash": { "kind": "amount", "amount_aud": 500, "stated": "$500", "citation": { "quote": "7 Money", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=3", "page": 3, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "No Cover", "$250", "$500" ] } } }, "implausible": null, "excess_applies": { "overseas_medical": true, "cancellation": true, "rental_vehicle_excess": false, "personal_liability": false, "travel_delay": false, "accidental_death": false, "cash": false }, "document": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf", "labels": [ "single-trip", "annual-multi-trip", "overseas", "cruise-add-on", "pre-existing-if-approved", "pre-existing-some-included", "overseas-365-days" ], "conditions": { "lines": [ "Covers one overseas trip, or every trip in a year as an Annual Multi-Trip policy up to the trip length chosen.", "The longest trip is the one shown on your certificate; worldwide cover is at most 12 months in total.", "A cruise of two or more nights at sea is covered only if Cruise Cover is added, for an extra premium.", "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically." ], "written_on": "2026-10-15", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-if-approved", "pre-existing-some-included" ], "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9", "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Migraine", "Peptic/ Gastric Ulcer", "Plantar Fasciitis", "Raynaud’s Disease", "Skin Cancer", "Stenosing Tenosynovitis (Trigger Finger)", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We automatically include", "page": 18 }, "who": [ { "line": "The Inbound plan is for non-Australian residents visiting Australia.", "quote": "The Inbound plan is for non-Australian residents travelling to and within Australia.", "page": 10 }, { "line": "On the Inbound plan the automatic list is the only cover for existing medical conditions; there is no assessment route.", "quote": "There is no cover for any Existing Medical Conditions other than those conditions We automatically include.", "page": 10 } ], "lead": { "line": "Conditions in the table are covered automatically if the criteria below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the table following provided", "page": 18 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition the traveller has must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 18 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 18 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 18 }, { "line": "Not waiting for investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 18 }, { "line": "The condition meets its own criteria in the table.", "quote": "Your condition satisfies the criteria in the table following", "page": 18 }, { "line": "Time frames run back from the Relevant Time unless stated otherwise.", "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise", "page": 18 } ], "count": 36, "conditions": [ { "name": "Acne", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 18 }, { "name": "Anxiety", "criteria": [ "You have not been diagnosed with Depression in the last 3 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 18 }, { "name": "Asthma", "criteria": [ "You are less than 60 years of age when You purchase the policy", "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 18 }, { "name": "Bell’s Palsy", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Bunions", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Carpal Tunnel Syndrome", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 18 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 18 }, { "name": "Coeliac Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Congenital Blindness", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Congenital Deafness", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last 2 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 18 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 18 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 18 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/ Gastric Ulcer)" ], "page": 18 }, { "name": "Goitre", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Graves’ Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Gout", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Hiatus Hernia", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 18 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 18 }, { "name": "Migraine", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Peptic/ Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/ Gastric Ulcer has been stable" ], "page": 18 }, { "name": "Plantar Fasciitis", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Raynaud’s Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 18 }, { "name": "Stenosing Tenosynovitis (Trigger Finger)", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Urinary Incontinence", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour" ], "page": 18 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour" ], "page": 18 } ], "notes": [ { "line": "The automatic list does not apply at all if the traveller has any other existing medical condition not on it.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 19 } ], "otherwise": [ { "line": "A condition not on the list, or one that fails its criteria, needs an online health assessment declaring all existing conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 19 }, { "line": "Existing conditions are otherwise excluded; cover can be applied for and may cost an extra premium if approved.", "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.", "page": 17 } ], "document_cited": { "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=cover-more].automatically_covered_conditions" } } }, { "brand_slug": "cover-more", "plan_slug": "domestic-basic", "brand": "Cover-More", "site": "https://www.covermore.com.au/", "insurer": "Zurich Australian Insurance Limited", "insurer_footing": "company", "product": "Domestic", "plan": "Domestic Basic", "varies_by": "plan", "benefits_read": 24, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "cancellation": { "kind": "sum_insured_chosen", "amount_aud": null, "stated": "$Cover Chosen^", "citation": { "quote": "4* Amendment or Cancellation Costs", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6", "page": 6, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "Yes", "$Cover Chosen^", "$Cover Chosen^", "$Cover Chosen^" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 1000000, "stated": "$1,000,000", "citation": { "quote": "18 Personal Liability", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=7", "page": 7, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$1,000,000", "$2,500,000", "$5,000,000" ] } } }, "implausible": null, "excess_applies": { "cancellation": true, "rental_vehicle_excess": false, "personal_liability": false, "travel_delay": false, "accidental_death": false, "cash": false }, "document": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf", "labels": [ "domestic", "single-trip", "pre-existing-if-approved", "pre-existing-some-included" ], "conditions": { "lines": [ "Covers one trip within Australia.", "Cruise Cover is not offered on the domestic plans.", "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically." ], "written_on": "2026-10-15", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-if-approved", "pre-existing-some-included" ], "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9", "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Migraine", "Peptic/ Gastric Ulcer", "Plantar Fasciitis", "Raynaud’s Disease", "Skin Cancer", "Stenosing Tenosynovitis (Trigger Finger)", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We automatically include", "page": 18 }, "who": [ { "line": "The Inbound plan is for non-Australian residents visiting Australia.", "quote": "The Inbound plan is for non-Australian residents travelling to and within Australia.", "page": 10 }, { "line": "On the Inbound plan the automatic list is the only cover for existing medical conditions; there is no assessment route.", "quote": "There is no cover for any Existing Medical Conditions other than those conditions We automatically include.", "page": 10 } ], "lead": { "line": "Conditions in the table are covered automatically if the criteria below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the table following provided", "page": 18 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition the traveller has must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 18 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 18 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 18 }, { "line": "Not waiting for investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 18 }, { "line": "The condition meets its own criteria in the table.", "quote": "Your condition satisfies the criteria in the table following", "page": 18 }, { "line": "Time frames run back from the Relevant Time unless stated otherwise.", "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise", "page": 18 } ], "count": 36, "conditions": [ { "name": "Acne", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 18 }, { "name": "Anxiety", "criteria": [ "You have not been diagnosed with Depression in the last 3 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 18 }, { "name": "Asthma", "criteria": [ "You are less than 60 years of age when You purchase the policy", "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 18 }, { "name": "Bell’s Palsy", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Bunions", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Carpal Tunnel Syndrome", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 18 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 18 }, { "name": "Coeliac Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Congenital Blindness", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Congenital Deafness", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last 2 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 18 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 18 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 18 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/ Gastric Ulcer)" ], "page": 18 }, { "name": "Goitre", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Graves’ Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Gout", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Hiatus Hernia", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 18 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 18 }, { "name": "Migraine", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Peptic/ Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/ Gastric Ulcer has been stable" ], "page": 18 }, { "name": "Plantar Fasciitis", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Raynaud’s Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 18 }, { "name": "Stenosing Tenosynovitis (Trigger Finger)", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Urinary Incontinence", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour" ], "page": 18 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour" ], "page": 18 } ], "notes": [ { "line": "The automatic list does not apply at all if the traveller has any other existing medical condition not on it.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 19 } ], "otherwise": [ { "line": "A condition not on the list, or one that fails its criteria, needs an online health assessment declaring all existing conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 19 }, { "line": "Existing conditions are otherwise excluded; cover can be applied for and may cost an extra premium if approved.", "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.", "page": 17 } ], "document_cited": { "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=cover-more].automatically_covered_conditions" } } }, { "brand_slug": "cover-more", "plan_slug": "domestic-comprehensive", "brand": "Cover-More", "site": "https://www.covermore.com.au/", "insurer": "Zurich Australian Insurance Limited", "insurer_footing": "company", "product": "Domestic", "plan": "Domestic Comprehensive", "varies_by": "plan", "benefits_read": 24, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "cancellation": { "kind": "sum_insured_chosen", "amount_aud": null, "stated": "$Cover Chosen^", "citation": { "quote": "4* Amendment or Cancellation Costs", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6", "page": 6, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "Yes", "$Cover Chosen^", "$Cover Chosen^", "$Cover Chosen^" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 5000, "stated": "$5,000", "citation": { "quote": "Rental Vehicle Insurance Excess", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6", "page": 6, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$5,000", "$10,000" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 2500000, "stated": "$2,500,000", "citation": { "quote": "18 Personal Liability", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=7", "page": 7, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$1,000,000", "$2,500,000", "$5,000,000" ] } }, "travel_delay": { "kind": "amount", "amount_aud": 1000, "stated": "$1,000", "citation": { "quote": "9* Travel Delay", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6", "page": 6, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$1,000", "$1,000" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 25000, "stated": "$25,000◊", "citation": { "quote": "17 Accidental Death", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=7", "page": 7, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$25,000◊", "$30,000◊" ] } }, "cash": { "kind": "amount", "amount_aud": 250, "stated": "$250", "citation": { "quote": "7 Money", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6", "page": 6, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$250", "$500" ] } } }, "implausible": null, "excess_applies": { "cancellation": true, "rental_vehicle_excess": false, "personal_liability": false, "travel_delay": false, "accidental_death": false, "cash": false }, "document": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf", "labels": [ "domestic", "single-trip", "annual-multi-trip", "pre-existing-if-approved", "pre-existing-some-included" ], "conditions": { "lines": [ "Covers one trip within Australia, or every trip in a year as an Annual Multi-Trip policy.", "Cruise Cover is not offered on the domestic plans.", "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically." ], "written_on": "2026-10-15", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-if-approved", "pre-existing-some-included" ], "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9", "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Migraine", "Peptic/ Gastric Ulcer", "Plantar Fasciitis", "Raynaud’s Disease", "Skin Cancer", "Stenosing Tenosynovitis (Trigger Finger)", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We automatically include", "page": 18 }, "who": [ { "line": "The Inbound plan is for non-Australian residents visiting Australia.", "quote": "The Inbound plan is for non-Australian residents travelling to and within Australia.", "page": 10 }, { "line": "On the Inbound plan the automatic list is the only cover for existing medical conditions; there is no assessment route.", "quote": "There is no cover for any Existing Medical Conditions other than those conditions We automatically include.", "page": 10 } ], "lead": { "line": "Conditions in the table are covered automatically if the criteria below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the table following provided", "page": 18 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition the traveller has must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 18 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 18 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 18 }, { "line": "Not waiting for investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 18 }, { "line": "The condition meets its own criteria in the table.", "quote": "Your condition satisfies the criteria in the table following", "page": 18 }, { "line": "Time frames run back from the Relevant Time unless stated otherwise.", "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise", "page": 18 } ], "count": 36, "conditions": [ { "name": "Acne", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 18 }, { "name": "Anxiety", "criteria": [ "You have not been diagnosed with Depression in the last 3 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 18 }, { "name": "Asthma", "criteria": [ "You are less than 60 years of age when You purchase the policy", "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 18 }, { "name": "Bell’s Palsy", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Bunions", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Carpal Tunnel Syndrome", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 18 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 18 }, { "name": "Coeliac Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Congenital Blindness", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Congenital Deafness", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last 2 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 18 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 18 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 18 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/ Gastric Ulcer)" ], "page": 18 }, { "name": "Goitre", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Graves’ Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Gout", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Hiatus Hernia", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 18 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 18 }, { "name": "Migraine", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Peptic/ Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/ Gastric Ulcer has been stable" ], "page": 18 }, { "name": "Plantar Fasciitis", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Raynaud’s Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 18 }, { "name": "Stenosing Tenosynovitis (Trigger Finger)", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Urinary Incontinence", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour" ], "page": 18 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour" ], "page": 18 } ], "notes": [ { "line": "The automatic list does not apply at all if the traveller has any other existing medical condition not on it.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 19 } ], "otherwise": [ { "line": "A condition not on the list, or one that fails its criteria, needs an online health assessment declaring all existing conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 19 }, { "line": "Existing conditions are otherwise excluded; cover can be applied for and may cost an extra premium if approved.", "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.", "page": 17 } ], "document_cited": { "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=cover-more].automatically_covered_conditions" } } }, { "brand_slug": "cover-more", "plan_slug": "domestic-comprehensive-plus", "brand": "Cover-More", "site": "https://www.covermore.com.au/", "insurer": "Zurich Australian Insurance Limited", "insurer_footing": "company", "product": "Domestic", "plan": "Domestic Comprehensive+", "varies_by": "plan", "benefits_read": 24, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "cancellation": { "kind": "sum_insured_chosen", "amount_aud": null, "stated": "$Cover Chosen^", "citation": { "quote": "4* Amendment or Cancellation Costs", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6", "page": 6, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "Yes", "$Cover Chosen^", "$Cover Chosen^", "$Cover Chosen^" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 10000, "stated": "$10,000", "citation": { "quote": "Rental Vehicle Insurance Excess", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6", "page": 6, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$5,000", "$10,000" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 5000000, "stated": "$5,000,000", "citation": { "quote": "18 Personal Liability", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=7", "page": 7, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$1,000,000", "$2,500,000", "$5,000,000" ] } }, "travel_delay": { "kind": "amount", "amount_aud": 1000, "stated": "$1,000", "citation": { "quote": "9* Travel Delay", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6", "page": 6, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$1,000", "$1,000" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 30000, "stated": "$30,000◊", "citation": { "quote": "17 Accidental Death", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=7", "page": 7, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$25,000◊", "$30,000◊" ] } }, "cash": { "kind": "amount", "amount_aud": 500, "stated": "$500", "citation": { "quote": "7 Money", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=6", "page": 6, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$250", "$500" ] } } }, "implausible": null, "excess_applies": { "cancellation": true, "rental_vehicle_excess": false, "personal_liability": false, "travel_delay": false, "accidental_death": false, "cash": false }, "document": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf", "labels": [ "domestic", "single-trip", "annual-multi-trip", "pre-existing-if-approved", "pre-existing-some-included" ], "conditions": { "lines": [ "Covers one trip within Australia, or every trip in a year as an Annual Multi-Trip policy.", "Cruise Cover is not offered on the domestic plans.", "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; 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Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Migraine", "Peptic/ Gastric Ulcer", "Plantar Fasciitis", "Raynaud’s Disease", "Skin Cancer", "Stenosing Tenosynovitis (Trigger Finger)", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We automatically include", "page": 18 }, "who": [ { "line": "The Inbound plan is for non-Australian residents visiting Australia.", "quote": "The Inbound plan is for non-Australian residents travelling to and within Australia.", "page": 10 }, { "line": "On the Inbound plan the automatic list is the only cover for existing medical conditions; there is no assessment route.", "quote": "There is no cover for any Existing Medical Conditions other than those conditions We automatically include.", "page": 10 } ], "lead": { "line": "Conditions in the table are covered automatically if the criteria below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the table following provided", "page": 18 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition the traveller has must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 18 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 18 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 18 }, { "line": "Not waiting for investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 18 }, { "line": "The condition meets its own criteria in the table.", "quote": "Your condition satisfies the criteria in the table following", "page": 18 }, { "line": "Time frames run back from the Relevant Time unless stated otherwise.", "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise", "page": 18 } ], "count": 36, "conditions": [ { "name": "Acne", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 18 }, { "name": "Anxiety", "criteria": [ "You have not been diagnosed with Depression in the last 3 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 18 }, { "name": "Asthma", "criteria": [ "You are less than 60 years of age when You purchase the policy", "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 18 }, { "name": "Bell’s Palsy", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Bunions", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Carpal Tunnel Syndrome", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 18 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 18 }, { "name": "Coeliac Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Congenital Blindness", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Congenital Deafness", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last 2 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 18 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 18 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 18 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/ Gastric Ulcer)" ], "page": 18 }, { "name": "Goitre", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Graves’ Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Gout", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Hiatus Hernia", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 18 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 18 }, { "name": "Migraine", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Peptic/ Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/ Gastric Ulcer has been stable" ], "page": 18 }, { "name": "Plantar Fasciitis", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Raynaud’s Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 18 }, { "name": "Stenosing Tenosynovitis (Trigger Finger)", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Urinary Incontinence", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour" ], "page": 18 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour" ], "page": 18 } ], "notes": [ { "line": "The automatic list does not apply at all if the traveller has any other existing medical condition not on it.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 19 } ], "otherwise": [ { "line": "A condition not on the list, or one that fails its criteria, needs an online health assessment declaring all existing conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 19 }, { "line": "Existing conditions are otherwise excluded; cover can be applied for and may cost an extra premium if approved.", "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.", "page": 17 } ], "document_cited": { "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=cover-more].automatically_covered_conditions" } } }, { "brand_slug": "cover-more", "plan_slug": "inbound", "brand": "Cover-More", "site": "https://www.covermore.com.au/", "insurer": "Zurich Australian Insurance Limited", "insurer_footing": "company", "product": "Inbound", "plan": "Inbound", "varies_by": "plan", "benefits_read": 37, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$Unlimited~", "citation": { "quote": "Overseas Medical Expenses", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8", "page": 8, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "Yes", "$Unlimited~" ] } }, "cancellation": { "kind": "sum_insured_chosen", "amount_aud": null, "stated": "$Cover Chosen^", "citation": { "quote": "4* Amendment or Cancellation Costs", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8", "page": 8, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "Yes", "$Cover Chosen^" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 15000, "stated": "$15,000", "citation": { "quote": "5* Luggage and Travel Documents", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8", "page": 8, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "$15,000" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 5000, "stated": "$5,000", "citation": { "quote": "Rental Vehicle Insurance Excess", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8", "page": 8, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$5,000" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 2500000, "stated": "$2,500,000", "citation": { "quote": "18 Personal Liability", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9", "page": 9, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$2,500,000" ] } }, "travel_delay": { "kind": "amount", "amount_aud": 2000, "stated": "$2,000", "citation": { "quote": "9* Travel Delay", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8", "page": 8, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$2,000" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 25000, "stated": "$25,000◊", "citation": { "quote": "17 Accidental Death", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=9", "page": 9, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$25,000◊" ] } }, "cash": { "kind": "amount", "amount_aud": 250, "stated": "$250", "citation": { "quote": "7 Money", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=8", "page": 8, "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "cells": [ "No", "$250" ] } } }, "implausible": null, "excess_applies": { "overseas_medical": true, "cancellation": true, "rental_vehicle_excess": false, "personal_liability": false, "travel_delay": false, "accidental_death": false, "cash": false }, "document": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf", "labels": [ "visitors-to-australia", "single-trip", "cruise-add-on", "pre-existing-some-included" ], "conditions": { "lines": [ "For people who do not live in Australia, travelling to and within it.", "A cruise of two or more nights at sea is covered only if Cruise Cover is added, for an extra premium.", "Pre-existing medical conditions are not covered, other than the listed conditions covered automatically." ], "written_on": "2026-10-15", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9" }, "pre_existing_conditions": { "treatment": "some_named_automatically", "in_words": "some named conditions automatically", "labels": [ "pre-existing-some-included" ], "line": "Pre-existing medical conditions are not covered, other than the listed conditions covered automatically.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9", "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Migraine", "Peptic/ Gastric Ulcer", "Plantar Fasciitis", "Raynaud’s Disease", "Skin Cancer", "Stenosing Tenosynovitis (Trigger Finger)", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We automatically include", "page": 18 }, "who": [ { "line": "The Inbound plan is for non-Australian residents visiting Australia.", "quote": "The Inbound plan is for non-Australian residents travelling to and within Australia.", "page": 10 }, { "line": "On the Inbound plan the automatic list is the only cover for existing medical conditions; there is no assessment route.", "quote": "There is no cover for any Existing Medical Conditions other than those conditions We automatically include.", "page": 10 } ], "lead": { "line": "Conditions in the table are covered automatically if the criteria below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the table following provided", "page": 18 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition the traveller has must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 18 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 18 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 18 }, { "line": "Not waiting for investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 18 }, { "line": "The condition meets its own criteria in the table.", "quote": "Your condition satisfies the criteria in the table following", "page": 18 }, { "line": "Time frames run back from the Relevant Time unless stated otherwise.", "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise", "page": 18 } ], "count": 36, "conditions": [ { "name": "Acne", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 18 }, { "name": "Anxiety", "criteria": [ "You have not been diagnosed with Depression in the last 3 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 18 }, { "name": "Asthma", "criteria": [ "You are less than 60 years of age when You purchase the policy", "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 18 }, { "name": "Bell’s Palsy", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Bunions", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Carpal Tunnel Syndrome", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 18 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 18 }, { "name": "Coeliac Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Congenital Blindness", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Congenital Deafness", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last 2 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 18 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 18 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 18 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/ Gastric Ulcer)" ], "page": 18 }, { "name": "Goitre", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Graves’ Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Gout", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Hiatus Hernia", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any postoperative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 18 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 18 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 18 }, { "name": "Migraine", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Peptic/ Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/ Gastric Ulcer has been stable" ], "page": 18 }, { "name": "Plantar Fasciitis", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Raynaud’s Disease", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 18 }, { "name": "Stenosing Tenosynovitis (Trigger Finger)", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Urinary Incontinence", "criteria": [ "No additional criteria" ], "page": 18 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour" ], "page": 18 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour" ], "page": 18 } ], "notes": [ { "line": "The automatic list does not apply at all if the traveller has any other existing medical condition not on it.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 19 } ], "otherwise": [ { "line": "A condition not on the list, or one that fails its criteria, needs an online health assessment declaring all existing conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 19 }, { "line": "Existing conditions are otherwise excluded; cover can be applied for and may cost an extra premium if approved.", "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.", "page": 17 } ], "document_cited": { "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83", "confirmed": "2026-11-05", "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=cover-more].automatically_covered_conditions" } } }, { "brand_slug": "fast-cover", "plan_slug": "comprehensive", "brand": "Fast Cover", "site": "https://www.fastcover.com.au/", "insurer": "Lloyd's", "insurer_footing": "lloyds", "product": "All plans", "plan": "Comprehensive", "varies_by": "plan", "benefits_read": 32, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 25, "limits": { "cancellation": { "kind": "unlimited", "amount_aud": null, "stated": "Unlimited*", "citation": { "quote": "and Repatriation Refer to page 43. 5. 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length chosen.", "Worldwide cover is at most 12 months in total.", "A cruise of two or more nights on an ocean or sea outside Australian coastal waters is covered only if Cruise Cover is added, for an extra premium.", "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "You must live in Australia, with a Medicare card or a visa to live, work or study here, and be returning home at the end of the trip." ], "written_on": "2026-10-15", "written_against_sha256": "cbf470c1ef405fe6b966d50447369b57b0a55a29a82bbef8c83f4523ac6ab555" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-if-approved", "pre-existing-some-included" ], "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "cbf470c1ef405fe6b966d50447369b57b0a55a29a82bbef8c83f4523ac6ab555", "automatically_covered": { "where": "listed in the document", "pds_url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Juvenile Idiopathic Arthritis", "Migraine", "Peptic Ulcer", "Gastric Ulcer", "Osteoarthritis", "Plantar Fasciitis", "Raynaud’s Disease", "Rheumatoid Arthritis", "Skin Cancer", "Stenosing Tenosynovitis (Trigger Finger)", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "cbf470c1ef405fe6b966d50447369b57b0a55a29a82bbef8c83f4523ac6ab555", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We automatically include", "page": 11 }, "who": [], "lead": { "line": "A condition in the table is covered automatically if all the points below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the table following provided:", "page": 11 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition you have must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 11 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 11 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 11 }, { "line": "Not awaiting investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 11 }, { "line": "Each condition meets its own criteria in the table.", "quote": "Your condition satisfies the criteria in the table following", "page": 11 } ], "count": 40, "conditions": [ { "name": "Acne", "criteria": [], "page": 11 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [], "page": 11 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 11 }, { "name": "Anxiety", "criteria": [ "In the last 12 months, Your prescribed medication hasn’t changed", "You have not been diagnosed with depression in the last three years", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 11 }, { "name": "Asthma", "criteria": [ "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 11 }, { "name": "Bell’s Palsy", "criteria": [], "page": 11 }, { "name": "Bunions", "criteria": [], "page": 11 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 11 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 12 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 12 }, { "name": "Coeliac Disease", "criteria": [], "page": 12 }, { "name": "Congenital Blindness", "criteria": [], "page": 12 }, { "name": "Congenital Deafness", "criteria": [], "page": 12 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last two years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 11 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 12 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 12 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)" ], "page": 12 }, { "name": "Goitre", "criteria": [], "page": 12 }, { "name": "Graves’ Disease", "criteria": [], "page": 12 }, { "name": "Gout", "criteria": [], "page": 12 }, { "name": "Hiatus Hernia", "criteria": [], "page": 12 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 12 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 12 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 12 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 12 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 12 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 12 }, { "name": "Juvenile Idiopathic Arthritis", "criteria": [ "You are less than 18 years of age when the policy is purchased", "You have no complications of this condition requiring a specialist‘s opinion" ], "page": 12 }, { "name": "Migraine", "criteria": [], "page": 12 }, { "name": "Peptic Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 12 }, { "name": "Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 12 }, { "name": "Osteoarthritis", "criteria": [ "You are less than 80 years of age when You purchase the policy", "In the last 6 months, Your prescribed medication hasn’t changed in dosage or type", "You have no complications of this condition requiring a specialist‘s opinion", "In the last 12 months You have not had or been assessed for, or advised on, spinal surgery associated with this condition", "You don’t require the daily use of a mobility aid (for example a standard, hemi or rolling walker, a rollator, a quad or single point cane or a wheelchair)" ], "page": 12 }, { "name": "Plantar Fasciitis", "criteria": [], "page": 12 }, { "name": "Raynaud’s Disease", "criteria": [], "page": 12 }, { "name": "Rheumatoid Arthritis", "criteria": [ "In the last 6 months, Your prescribed medication hasn’t changed in dosage or type", "You have no complications of this condition outside of the joints", "You don’t require the daily use of a mobility aid (for example a standard, hemi or rolling walker, a rollator, a quad or single point cane or a wheelchair)", "Your condition is not Ankylosing Spondylitis, Non-radiographic Axial Spondyloarthritis, Psoriatic Arthritis, Fibromyalgia, Giant Cell Arteritis, Haemochromatosis or Haemochromatotic Arthritis, Lupus (Systemic Lupus Erythematosus), Polymyalgia Rheumatica, Reactive Arthritis, Scleroderma, Sjögren’s Syndrome or Spondyloarthritis" ], "page": 13 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 13 }, { "name": "Stenosing Tenosynovitis (Trigger Finger)", "criteria": [], "page": 13 }, { "name": "Urinary Incontinence", "criteria": [], "page": 13 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 13 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 13 } ], "notes": [ { "line": "The automatic cover only applies if you have no existing medical condition beyond those on the list.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 13 } ], "otherwise": [ { "line": "A condition not on the list, or one that does not meet its criteria, needs an online health assessment declaring all your existing medical conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 13 }, { "line": "Other existing conditions are excluded unless cover is applied for and approved, which may cost an extra premium.", "quote": "If additional cover is applied for and approved, an additional premium may apply.", "page": 10 } ], "document_cited": { "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=medibank].automatically_covered_conditions" } } }, { "brand_slug": "medibank", "plan_slug": "international-medical-only-plan", "brand": "Medibank Travel Insurance", "site": "https://www.medibank.com.au/travel-insurance/", "insurer": "Zurich Australian Insurance Limited", "insurer_footing": "company", "product": "International", "plan": "International Medical Only Plan", "varies_by": "plan", "benefits_read": 28, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$Unlimited#", "citation": { "quote": "Overseas Medical and Hospital Expenses (including emergency repatriation/evacuation)", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=4", "page": 4, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05", "cells": [ "Yes", "$Unlimited#", "$Unlimited#" ] } }, "cancellation": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "Cancellation and Amendment Fees", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=4", "page": 4, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05", "cells": [ "Yes", "$10,000 included or choose a", "$Nil" ] } }, "luggage_total": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "Luggage and Personal Effects", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=4", "page": 4, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05", "cells": [ "$25,000", "$Nil" ] } }, "rental_vehicle_excess": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "9 Rental Car Insurance Excess", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=4", "page": 4, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05", "cells": [ "No", "$10,000", "$Nil" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 5000000, "stated": "$5,000,000", "citation": { "quote": "Personal Liability", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=4", "page": 4, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05", "cells": [ "No", "$5,000,000", "$5,000,000" ] } }, "travel_delay": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "10* Travel Delay Expenses", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=4", "page": 4, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05", "cells": [ "No", "$3,000", "$Nil" ] } }, "accidental_death": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "16* Accidental Death", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=4", "page": 4, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05", "cells": [ "No", "$25,000^", "$Nil" ] } }, "cash": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "8 Theft of Cash", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=4", "page": 4, "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05", "cells": [ "No", "$500", "$Nil" ] } } }, "implausible": null, "excess_applies": { "overseas_medical": true, "cancellation": true, "rental_vehicle_excess": false, "personal_liability": false, "travel_delay": false, "accidental_death": false, "cash": false }, "document": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf", "labels": [ "overseas", "single-trip", "cruise-add-on", "pre-existing-if-approved", "pre-existing-some-included", "overseas-365-days", "australian-residents-only" ], "conditions": { "lines": [ "Covers one overseas trip, mainly for medical costs; it has no cancellation or luggage cover.", "Worldwide cover is at most 12 months in total.", "A cruise of two or more nights on an ocean or sea outside Australian coastal waters is covered only if Cruise Cover is added, for an extra premium.", "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "You must live in Australia, with a Medicare card or a visa to live, work or study here, and be returning home at the end of the trip." ], "written_on": "2026-10-15", "written_against_sha256": "cbf470c1ef405fe6b966d50447369b57b0a55a29a82bbef8c83f4523ac6ab555" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-if-approved", "pre-existing-some-included" ], "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "cbf470c1ef405fe6b966d50447369b57b0a55a29a82bbef8c83f4523ac6ab555", "automatically_covered": { "where": "listed in the document", "pds_url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Juvenile Idiopathic Arthritis", "Migraine", "Peptic Ulcer", "Gastric Ulcer", "Osteoarthritis", "Plantar Fasciitis", "Raynaud’s Disease", "Rheumatoid Arthritis", "Skin Cancer", "Stenosing Tenosynovitis (Trigger Finger)", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "cbf470c1ef405fe6b966d50447369b57b0a55a29a82bbef8c83f4523ac6ab555", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We automatically include", "page": 11 }, "who": [], "lead": { "line": "A condition in the table is covered automatically if all the points below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the table following provided:", "page": 11 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition you have must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 11 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 11 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 11 }, { "line": "Not awaiting investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 11 }, { "line": "Each condition meets its own criteria in the table.", "quote": "Your condition satisfies the criteria in the table following", "page": 11 } ], "count": 40, "conditions": [ { "name": "Acne", "criteria": [], "page": 11 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [], "page": 11 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 11 }, { "name": "Anxiety", "criteria": [ "In the last 12 months, Your prescribed medication hasn’t changed", "You have not been diagnosed with depression in the last three years", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 11 }, { "name": "Asthma", "criteria": [ "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 11 }, { "name": "Bell’s Palsy", "criteria": [], "page": 11 }, { "name": "Bunions", "criteria": [], "page": 11 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 11 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 12 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 12 }, { "name": "Coeliac Disease", "criteria": [], "page": 12 }, { "name": "Congenital Blindness", "criteria": [], "page": 12 }, { "name": "Congenital Deafness", "criteria": [], "page": 12 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last two years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 11 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 12 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 12 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)" ], "page": 12 }, { "name": "Goitre", "criteria": [], "page": 12 }, { "name": "Graves’ Disease", "criteria": [], "page": 12 }, { "name": "Gout", "criteria": [], "page": 12 }, { "name": "Hiatus Hernia", "criteria": [], "page": 12 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 12 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 12 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 12 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 12 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 12 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 12 }, { "name": "Juvenile Idiopathic Arthritis", "criteria": [ "You are less than 18 years of age when the policy is purchased", "You have no complications of this condition requiring a specialist‘s opinion" ], "page": 12 }, { "name": "Migraine", "criteria": [], "page": 12 }, { "name": "Peptic Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 12 }, { "name": "Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 12 }, { "name": "Osteoarthritis", "criteria": [ "You are less than 80 years of age when You purchase the policy", "In the last 6 months, Your prescribed medication hasn’t changed in dosage or type", "You have no complications of this condition requiring a specialist‘s opinion", "In the last 12 months You have not had or been assessed for, or advised on, spinal surgery associated with this condition", "You don’t require the daily use of a mobility aid (for example a standard, hemi or rolling walker, a rollator, a quad or single point cane or a wheelchair)" ], "page": 12 }, { "name": "Plantar Fasciitis", "criteria": [], "page": 12 }, { "name": "Raynaud’s Disease", "criteria": [], "page": 12 }, { "name": "Rheumatoid Arthritis", "criteria": [ "In the last 6 months, Your prescribed medication hasn’t changed in dosage or type", "You have no complications of this condition outside of the joints", "You don’t require the daily use of a mobility aid (for example a standard, hemi or rolling walker, a rollator, a quad or single point cane or a wheelchair)", "Your condition is not Ankylosing Spondylitis, Non-radiographic Axial Spondyloarthritis, Psoriatic Arthritis, Fibromyalgia, Giant Cell Arteritis, Haemochromatosis or Haemochromatotic Arthritis, Lupus (Systemic Lupus Erythematosus), Polymyalgia Rheumatica, Reactive Arthritis, Scleroderma, Sjögren’s Syndrome or Spondyloarthritis" ], "page": 13 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 13 }, { "name": "Stenosing Tenosynovitis (Trigger Finger)", "criteria": [], "page": 13 }, { "name": "Urinary Incontinence", "criteria": [], "page": 13 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 13 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 13 } ], "notes": [ { "line": "The automatic cover only applies if you have no existing medical condition beyond those on the list.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 13 } ], "otherwise": [ { "line": "A condition not on the list, or one that does not meet its criteria, needs an online health assessment declaring all your existing medical conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 13 }, { "line": "Other existing conditions are excluded unless cover is applied for and approved, which may cost an extra premium.", "quote": "If additional cover is applied for and approved, an additional premium may apply.", "page": 10 } ], "document_cited": { "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b", "confirmed": "2026-11-05", "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=medibank].automatically_covered_conditions" } } }, { "brand_slug": "racv", "plan_slug": "comprehensive", "brand": "RACV Travel Insurance", "site": "https://www.racv.com.au/insurance/travel-insurance.html", "insurer": "Tokio Marine & Nichido Fire Insurance Co., Ltd", "insurer_footing": "company", "product": "All plans", "plan": "Comprehensive", "varies_by": "plan", "benefits_read": 37, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$unlimited*", "citation": { "quote": "Section 2: Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$unlimited*", "$unlimited*", "$unlimited*", "$unlimited*" ] } }, "cancellation": { "kind": "unparsed", "amount_aud": null, "stated": "$Choice of Limit", "citation": { "quote": "Section 1: Cancellation Fees and Lost Deposits", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$Choice of Limit", "$Choice of Limit", "Not Covered", "$Choice of Limit" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 15000, "stated": "$15,000", "citation": { "quote": "Luggage See specific Luggage item benefits table", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$15,000", "$7,500", "$2,000", "$15,000" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 8000, "stated": "$8,000^", "citation": { "quote": "Rental Car Excess", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$8,000^", "$4,000^", "Not Covered", "$8,000^" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 10000000, "stated": "$10,000,000", "citation": { "quote": "Your Legal Liability", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$10,000,000", "$10,000,000", "$10,000,000", "$10,000,000" ] } }, "travel_delay": { "kind": "amount", "amount_aud": 3000, "stated": "$3,000~", "citation": { "quote": "13 Travel Delay", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$3,000~", "$1,500~", "Not Covered", "$3,000~" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 25000, "stated": "$25,000**", "citation": { "quote": "Section 5–24 5 Accidental Death", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$25,000**", "$15,000**", "Not Covered", "$25,000**" ] } }, "cash": { "kind": "amount", "amount_aud": 500, "stated": "$500", "citation": { "quote": "3D Personal Money", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$500", "$250", "Not Covered", "$500" ] } } }, "implausible": null, "excess_applies": null, "document": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf", "labels": [ "single-trip", "overseas", "return-trips-only", "cruise-add-on", "age-to-110", "pre-existing-some-included", "pre-existing-if-approved", "overseas-365-days" ], "conditions": { "lines": [ "Covers one overseas trip that starts and ends in Australia.", "The longest trip is the one shown on your certificate; if you change the trip length, cover is at most 12 months in total.", "An ocean cruise is covered only if the Cruise Benefits option is added, for an extra premium; river cruising is included automatically.", "You must be 110 or younger.", "Some listed medical conditions are covered automatically; others are covered only if the insurer approves them after an online medical assessment, which may cost extra." ], "written_on": "2026-10-15", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-some-included", "pre-existing-if-approved" ], "line": "Some listed medical conditions are covered automatically; others are covered only if the insurer approves them after an online medical assessment, which may cost extra.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85", "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever", "Asthma", "Bell’s Palsy", "Benign Positional Vertigo", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Diabetes Mellitus (Type 1)", "Diabetes Mellitus (Type 2)", "Dry Eye Syndrome", "Epilepsy", "Gastric Reflux", "Gastric/Peptic Ulcer", "Glaucoma", "Gout", "Graves’ Disease", "Hiatus Hernia", "Hip/Knee replacement", "Hypercholesterolaemia (High Cholesterol)", "Hyperlipidaemia (High Blood Lipids)", "Hypertension (High Blood Pressure)", "Hypothyroidism, including Hashimoto’s Disease", "Incontinence", "Insulin Resistance", "Macular Degeneration", "Meniere’s Disease", "Migraine", "Nocturnal Cramps", "Plantar Fasciitis", "Raynaud’s Disease", "Sleep Apnoea", "Solar Keratosis", "Trigeminal Neuralgia", "Trigger Finger" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85", "term_used": "medical condition", "section": { "quote": "Medical Conditions We automatically cover", "page": 11 }, "who": [], "lead": { "line": "The listed conditions are covered automatically if the traveller meets the criteria below at the time cover is bought.", "quote": "This section outlines those Medical Conditions automatically included, provided that You, at the Relevant Time:", "page": 11 }, "criteria_for_every_condition": [ { "line": "No hospital stay or treatment by a doctor for the condition in the last 24 months, unless the list gives another period; routine check-ups, blood tests and repeat prescriptions do not count as treatment.", "quote": "have not required hospitalisation or treatment (where treatment does not include an annual or routine medical check-up, blood testing or a visit to a medical practitioner to obtain a regular prescription) by any Treating Doctor within the last 24 months (unless a different time period is specifically noted in the list below) for the Medical Condition", "page": 11 }, { "line": "Not waiting on the outcome of any investigation, tests, surgery or other treatment for the condition.", "quote": "are not awaiting the outcome of any investigation, tests, surgery or other treatment for the Medical Condition", "page": 11 }, { "line": "The condition meets its own criteria in the list, where it has any.", "quote": "meet any additional criteria set out in the Medical Conditions We automatically cover listed below", "page": 11 } ], "count": 38, "conditions": [ { "name": "Acne", "criteria": [], "page": 11 }, { "name": "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever", "criteria": [ "however this excludes any Anaphylaxis as part of any such condition" ], "page": 11 }, { "name": "Asthma", "criteria": [ "have no other lung disease", "are under 60 years of age at time You purchase the policy" ], "page": 11 }, { "name": "Bell’s Palsy", "criteria": [], "page": 11 }, { "name": "Benign Positional Vertigo", "criteria": [], "page": 11 }, { "name": "Bunions", "criteria": [], "page": 11 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 11 }, { "name": "Cataracts", "criteria": [], "page": 11 }, { "name": "Coeliac Disease", "criteria": [], "page": 11 }, { "name": "Congenital Blindness", "criteria": [], "page": 11 }, { "name": "Congenital Deafness", "criteria": [], "page": 11 }, { "name": "Diabetes Mellitus (Type 1)", "criteria": [ "were diagnosed over 24 months ago", "have no eye, kidney, nerve or vascular complications", "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia", "are under 50 years of age at the date of policy purchase" ], "page": 11 }, { "name": "Diabetes Mellitus (Type 2)", "criteria": [ "were diagnosed over 24 months ago", "have no eye, kidney, nerve or vascular complications", "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia", "are under 50 years of age at the date of policy purchase" ], "page": 11 }, { "name": "Dry Eye Syndrome", "criteria": [], "page": 11 }, { "name": "Epilepsy", "criteria": [ "there has been no change to Your medication regime in the past 24 months", "You are on no more than one anticonvulsant medication" ], "page": 11 }, { "name": "Gastric Reflux", "criteria": [], "page": 11 }, { "name": "Gastric/Peptic Ulcer", "criteria": [], "page": 11 }, { "name": "Glaucoma", "criteria": [], "page": 11 }, { "name": "Gout", "criteria": [], "page": 11 }, { "name": "Graves’ Disease", "criteria": [], "page": 11 }, { "name": "Hiatus Hernia", "criteria": [], "page": 11 }, { "name": "Hip/Knee replacement", "criteria": [ "if performed more than 24 months ago but less than 10 years ago" ], "page": 11 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 11 }, { "name": "Hyperlipidaemia (High Blood Lipids)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 12 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 12 }, { "name": "Hypothyroidism, including Hashimoto’s Disease", "criteria": [], "page": 12 }, { "name": "Incontinence", "criteria": [], "page": 12 }, { "name": "Insulin Resistance", "criteria": [], "page": 12 }, { "name": "Macular Degeneration", "criteria": [], "page": 12 }, { "name": "Meniere’s Disease", "criteria": [], "page": 12 }, { "name": "Migraine", "criteria": [], "page": 12 }, { "name": "Nocturnal Cramps", "criteria": [], "page": 12 }, { "name": "Plantar Fasciitis", "criteria": [], "page": 12 }, { "name": "Raynaud’s Disease", "criteria": [], "page": 12 }, { "name": "Sleep Apnoea", "criteria": [], "page": 12 }, { "name": "Solar Keratosis", "criteria": [], "page": 12 }, { "name": "Trigeminal Neuralgia", "criteria": [], "page": 12 }, { "name": "Trigger Finger", "criteria": [], "page": 12 } ], "notes": [], "otherwise": [ { "line": "A condition not on the list can be applied for.", "quote": "If You require cover for Medical Conditions that are not automatically covered above, You may apply for additional cover for that condition.", "page": 12 }, { "line": "After the online medical assessment, if the condition is accepted an extra premium may be payable and the condition is listed on the certificate of insurance.", "quote": "We can cover the Medical Condition – in which case an additional Premium may be payable and the Medical Condition will be listed on Your COI", "page": 12 }, { "line": "Not declaring a condition that is not on the list risks a claim for it being reduced or denied.", "quote": "If You do not tell Us about any Medical Condition that is not automatically covered under this policy and that You want cover for, You run the risk of a claim relating to that Medical Condition being reduced or denied.", "page": 11 } ], "document_cited": { "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=racv].automatically_covered_conditions" } } }, { "brand_slug": "racv", "plan_slug": "essentials", "brand": "RACV Travel Insurance", "site": "https://www.racv.com.au/insurance/travel-insurance.html", "insurer": "Tokio Marine & Nichido Fire Insurance Co., Ltd", "insurer_footing": "company", "product": "All plans", "plan": "Essentials", "varies_by": "plan", "benefits_read": 37, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$unlimited*", "citation": { "quote": "Section 2: Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$unlimited*", "$unlimited*", "$unlimited*", "$unlimited*" ] } }, "cancellation": { "kind": "unparsed", "amount_aud": null, "stated": "$Choice of Limit", "citation": { "quote": "Section 1: Cancellation Fees and Lost Deposits", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$Choice of Limit", "$Choice of Limit", "Not Covered", "$Choice of Limit" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 7500, "stated": "$7,500", "citation": { "quote": "Luggage See specific Luggage item benefits table", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$15,000", "$7,500", "$2,000", "$15,000" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 4000, "stated": "$4,000^", "citation": { "quote": "Rental Car Excess", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$8,000^", "$4,000^", "Not Covered", "$8,000^" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 10000000, "stated": "$10,000,000", "citation": { "quote": "Your Legal Liability", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$10,000,000", "$10,000,000", "$10,000,000", "$10,000,000" ] } }, "travel_delay": { "kind": "amount", "amount_aud": 1500, "stated": "$1,500~", "citation": { "quote": "13 Travel Delay", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$3,000~", "$1,500~", "Not Covered", "$3,000~" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 15000, "stated": "$15,000**", "citation": { "quote": "Section 5–24 5 Accidental Death", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$25,000**", "$15,000**", "Not Covered", "$25,000**" ] } }, "cash": { "kind": "amount", "amount_aud": 250, "stated": "$250", "citation": { "quote": "3D Personal Money", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$500", "$250", "Not Covered", "$500" ] } } }, "implausible": null, "excess_applies": null, "document": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf", "labels": [ "single-trip", "overseas", "return-trips-only", "cruise-add-on", "age-to-110", "pre-existing-some-included", "pre-existing-if-approved", "overseas-365-days" ], "conditions": { "lines": [ "Covers one overseas trip that starts and ends in Australia.", "The longest trip is the one shown on your certificate; if you change the trip length, cover is at most 12 months in total.", "An ocean cruise is covered only if the Cruise Benefits option is added, for an extra premium; river cruising is included automatically.", "You must be 110 or younger.", "Some listed medical conditions are covered automatically; others are covered only if the insurer approves them after an online medical assessment, which may cost extra." ], "written_on": "2026-10-15", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-some-included", "pre-existing-if-approved" ], "line": "Some listed medical conditions are covered automatically; others are covered only if the insurer approves them after an online medical assessment, which may cost extra.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85", "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever", "Asthma", "Bell’s Palsy", "Benign Positional Vertigo", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Diabetes Mellitus (Type 1)", "Diabetes Mellitus (Type 2)", "Dry Eye Syndrome", "Epilepsy", "Gastric Reflux", "Gastric/Peptic Ulcer", "Glaucoma", "Gout", "Graves’ Disease", "Hiatus Hernia", "Hip/Knee replacement", "Hypercholesterolaemia (High Cholesterol)", "Hyperlipidaemia (High Blood Lipids)", "Hypertension (High Blood Pressure)", "Hypothyroidism, including Hashimoto’s Disease", "Incontinence", "Insulin Resistance", "Macular Degeneration", "Meniere’s Disease", "Migraine", "Nocturnal Cramps", "Plantar Fasciitis", "Raynaud’s Disease", "Sleep Apnoea", "Solar Keratosis", "Trigeminal Neuralgia", "Trigger Finger" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85", "term_used": "medical condition", "section": { "quote": "Medical Conditions We automatically cover", "page": 11 }, "who": [], "lead": { "line": "The listed conditions are covered automatically if the traveller meets the criteria below at the time cover is bought.", "quote": "This section outlines those Medical Conditions automatically included, provided that You, at the Relevant Time:", "page": 11 }, "criteria_for_every_condition": [ { "line": "No hospital stay or treatment by a doctor for the condition in the last 24 months, unless the list gives another period; routine check-ups, blood tests and repeat prescriptions do not count as treatment.", "quote": "have not required hospitalisation or treatment (where treatment does not include an annual or routine medical check-up, blood testing or a visit to a medical practitioner to obtain a regular prescription) by any Treating Doctor within the last 24 months (unless a different time period is specifically noted in the list below) for the Medical Condition", "page": 11 }, { "line": "Not waiting on the outcome of any investigation, tests, surgery or other treatment for the condition.", "quote": "are not awaiting the outcome of any investigation, tests, surgery or other treatment for the Medical Condition", "page": 11 }, { "line": "The condition meets its own criteria in the list, where it has any.", "quote": "meet any additional criteria set out in the Medical Conditions We automatically cover listed below", "page": 11 } ], "count": 38, "conditions": [ { "name": "Acne", "criteria": [], "page": 11 }, { "name": "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, 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"are under 50 years of age at the date of policy purchase" ], "page": 11 }, { "name": "Diabetes Mellitus (Type 2)", "criteria": [ "were diagnosed over 24 months ago", "have no eye, kidney, nerve or vascular complications", "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia", "are under 50 years of age at the date of policy purchase" ], "page": 11 }, { "name": "Dry Eye Syndrome", "criteria": [], "page": 11 }, { "name": "Epilepsy", "criteria": [ "there has been no change to Your medication regime in the past 24 months", "You are on no more than one anticonvulsant medication" ], "page": 11 }, { "name": "Gastric Reflux", "criteria": [], "page": 11 }, { "name": "Gastric/Peptic Ulcer", "criteria": [], "page": 11 }, { "name": "Glaucoma", "criteria": [], "page": 11 }, { "name": "Gout", "criteria": [], "page": 11 }, { "name": "Graves’ Disease", "criteria": [], "page": 11 }, { "name": "Hiatus Hernia", "criteria": [], "page": 11 }, { "name": "Hip/Knee replacement", "criteria": [ "if performed more than 24 months ago but less than 10 years ago" ], "page": 11 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 11 }, { "name": "Hyperlipidaemia (High Blood Lipids)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 12 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 12 }, { "name": "Hypothyroidism, including Hashimoto’s Disease", "criteria": [], "page": 12 }, { "name": "Incontinence", "criteria": [], "page": 12 }, { "name": "Insulin Resistance", "criteria": [], "page": 12 }, { "name": "Macular Degeneration", "criteria": [], "page": 12 }, { "name": "Meniere’s Disease", "criteria": [], "page": 12 }, { "name": "Migraine", "criteria": [], "page": 12 }, { "name": "Nocturnal Cramps", "criteria": [], "page": 12 }, { "name": "Plantar Fasciitis", "criteria": [], "page": 12 }, { "name": "Raynaud’s Disease", "criteria": [], "page": 12 }, { "name": "Sleep Apnoea", "criteria": [], "page": 12 }, { "name": "Solar Keratosis", "criteria": [], "page": 12 }, { "name": "Trigeminal Neuralgia", "criteria": [], "page": 12 }, { "name": "Trigger Finger", "criteria": [], "page": 12 } ], "notes": [], "otherwise": [ { "line": "A condition not on the list can be applied for.", "quote": "If You require cover for Medical Conditions that are not automatically covered above, You may apply for additional cover for that condition.", "page": 12 }, { "line": "After the online medical assessment, if the condition is accepted an extra premium may be payable and the condition is listed on the certificate of insurance.", "quote": "We can cover the Medical Condition – in which case an additional Premium may be payable and the Medical Condition will be listed on Your COI", "page": 12 }, { "line": "Not declaring a condition that is not on the list risks a claim for it being reduced or denied.", "quote": "If You do not tell Us about any Medical Condition that is not automatically covered under this policy and that You want cover for, You run the risk of a claim relating to that Medical Condition being reduced or denied.", "page": 11 } ], "document_cited": { "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=racv].automatically_covered_conditions" } } }, { "brand_slug": "racv", "plan_slug": "basics", "brand": "RACV Travel Insurance", "site": "https://www.racv.com.au/insurance/travel-insurance.html", "insurer": "Tokio Marine & Nichido Fire Insurance Co., Ltd", "insurer_footing": "company", "product": "All plans", "plan": "Basics", "varies_by": "plan", "benefits_read": 37, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$unlimited*", "citation": { "quote": "Section 2: Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$unlimited*", "$unlimited*", "$unlimited*", "$unlimited*" ] } }, "cancellation": { "kind": "no_cover", "amount_aud": 0, "stated": "Not Covered", "citation": { "quote": "Section 1: Cancellation Fees and Lost Deposits", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$Choice of Limit", "$Choice of Limit", "Not Covered", "$Choice of Limit" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 2000, "stated": "$2,000", "citation": { "quote": "Luggage See specific Luggage item benefits table", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$15,000", "$7,500", "$2,000", "$15,000" ] } }, "rental_vehicle_excess": { "kind": "no_cover", "amount_aud": 0, "stated": "Not Covered", "citation": { "quote": "Rental Car Excess", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$8,000^", "$4,000^", "Not Covered", "$8,000^" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 10000000, "stated": "$10,000,000", "citation": { "quote": "Your Legal Liability", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$10,000,000", "$10,000,000", "$10,000,000", "$10,000,000" ] } }, "travel_delay": { "kind": "no_cover", "amount_aud": 0, "stated": "Not Covered", "citation": { "quote": "13 Travel Delay", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$3,000~", "$1,500~", "Not Covered", "$3,000~" ] } }, "accidental_death": { "kind": "no_cover", "amount_aud": 0, "stated": "Not Covered", "citation": { "quote": "Section 5–24 5 Accidental Death", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$25,000**", "$15,000**", "Not Covered", "$25,000**" ] } }, "cash": { "kind": "no_cover", "amount_aud": 0, "stated": "Not Covered", "citation": { "quote": "3D Personal Money", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$500", "$250", "Not Covered", "$500" ] } } }, "implausible": null, "excess_applies": null, "document": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf", "labels": [ "single-trip", "overseas", "return-trips-only", "cruise-add-on", "age-to-110", "pre-existing-some-included", "pre-existing-if-approved", "overseas-365-days" ], "conditions": { "lines": [ "Covers one overseas trip that starts and ends in Australia.", "The longest trip is the one shown on your certificate; if you change the trip length, cover is at most 12 months in total.", "An ocean cruise is covered only if the Cruise Benefits option is added, for an extra premium; river cruising is included automatically.", "You must be 110 or younger.", "Some listed medical conditions are covered automatically; others are covered only if the insurer approves them after an online medical assessment, which may cost extra." ], "written_on": "2026-10-15", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-some-included", "pre-existing-if-approved" ], "line": "Some listed medical conditions are covered automatically; others are covered only if the insurer approves them after an online medical assessment, which may cost extra.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85", "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever", "Asthma", "Bell’s Palsy", "Benign Positional Vertigo", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Diabetes Mellitus (Type 1)", "Diabetes Mellitus (Type 2)", "Dry Eye Syndrome", "Epilepsy", "Gastric Reflux", "Gastric/Peptic Ulcer", "Glaucoma", "Gout", "Graves’ Disease", "Hiatus Hernia", "Hip/Knee replacement", "Hypercholesterolaemia (High Cholesterol)", "Hyperlipidaemia (High Blood Lipids)", "Hypertension (High Blood Pressure)", "Hypothyroidism, including Hashimoto’s Disease", "Incontinence", "Insulin Resistance", "Macular Degeneration", "Meniere’s Disease", "Migraine", "Nocturnal Cramps", "Plantar Fasciitis", "Raynaud’s Disease", "Sleep Apnoea", "Solar Keratosis", "Trigeminal Neuralgia", "Trigger Finger" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85", "term_used": "medical condition", "section": { "quote": "Medical Conditions We automatically cover", "page": 11 }, "who": [], "lead": { "line": "The listed conditions are covered automatically if the traveller meets the criteria below at the time cover is bought.", "quote": "This section outlines those Medical Conditions automatically included, provided that You, at the Relevant Time:", "page": 11 }, "criteria_for_every_condition": [ { "line": "No hospital stay or treatment by a doctor for the condition in the last 24 months, unless the list gives another period; routine check-ups, blood tests and repeat prescriptions do not count as treatment.", "quote": "have not required hospitalisation or treatment (where treatment does not include an annual or routine medical check-up, blood testing or a visit to a medical practitioner to obtain a regular prescription) by any Treating Doctor within the last 24 months (unless a different time period is specifically noted in the list below) for the Medical Condition", "page": 11 }, { "line": "Not waiting on the outcome of any investigation, tests, surgery or other treatment for the condition.", "quote": "are not awaiting the outcome of any investigation, tests, surgery or other treatment for the Medical Condition", "page": 11 }, { "line": "The condition meets its own criteria in the list, where it has any.", "quote": "meet any additional criteria set out in the Medical Conditions We automatically cover listed below", "page": 11 } ], "count": 38, "conditions": [ { "name": "Acne", "criteria": [], "page": 11 }, { "name": "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever", "criteria": [ "however this excludes any Anaphylaxis as part of any such condition" ], "page": 11 }, { "name": "Asthma", "criteria": [ "have no other lung disease", "are under 60 years of age at time You purchase the policy" ], "page": 11 }, { "name": "Bell’s Palsy", "criteria": [], "page": 11 }, { "name": "Benign Positional Vertigo", "criteria": [], "page": 11 }, { "name": "Bunions", "criteria": [], "page": 11 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 11 }, { "name": "Cataracts", "criteria": [], "page": 11 }, { "name": "Coeliac Disease", "criteria": [], "page": 11 }, { "name": "Congenital Blindness", "criteria": [], "page": 11 }, { "name": "Congenital Deafness", "criteria": [], "page": 11 }, { "name": "Diabetes Mellitus (Type 1)", "criteria": [ "were diagnosed over 24 months ago", "have no eye, kidney, nerve or vascular complications", "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia", "are under 50 years of age at the date of policy purchase" ], "page": 11 }, { "name": "Diabetes Mellitus (Type 2)", "criteria": [ "were diagnosed over 24 months ago", "have no eye, kidney, nerve or vascular complications", "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia", "are under 50 years of age at the date of policy purchase" ], "page": 11 }, { "name": "Dry Eye Syndrome", "criteria": [], "page": 11 }, { "name": "Epilepsy", "criteria": [ "there has been no change to Your medication regime in the past 24 months", "You are on no more than one anticonvulsant medication" ], "page": 11 }, { "name": "Gastric Reflux", "criteria": [], "page": 11 }, { "name": "Gastric/Peptic Ulcer", "criteria": [], "page": 11 }, { "name": "Glaucoma", "criteria": [], "page": 11 }, { "name": "Gout", "criteria": [], "page": 11 }, { "name": "Graves’ Disease", "criteria": [], "page": 11 }, { "name": "Hiatus Hernia", "criteria": [], "page": 11 }, { "name": "Hip/Knee replacement", "criteria": [ "if performed more than 24 months ago but less than 10 years ago" ], "page": 11 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 11 }, { "name": "Hyperlipidaemia (High Blood Lipids)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 12 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 12 }, { "name": "Hypothyroidism, including Hashimoto’s Disease", "criteria": [], "page": 12 }, { "name": "Incontinence", "criteria": [], "page": 12 }, { "name": "Insulin Resistance", "criteria": [], "page": 12 }, { "name": "Macular Degeneration", "criteria": [], "page": 12 }, { "name": "Meniere’s Disease", "criteria": [], "page": 12 }, { "name": "Migraine", "criteria": [], "page": 12 }, { "name": "Nocturnal Cramps", "criteria": [], "page": 12 }, { "name": "Plantar Fasciitis", "criteria": [], "page": 12 }, { "name": "Raynaud’s Disease", "criteria": [], "page": 12 }, { "name": "Sleep Apnoea", "criteria": [], "page": 12 }, { "name": "Solar Keratosis", "criteria": [], "page": 12 }, { "name": "Trigeminal Neuralgia", "criteria": [], "page": 12 }, { "name": "Trigger Finger", "criteria": [], "page": 12 } ], "notes": [], "otherwise": [ { "line": "A condition not on the list can be applied for.", "quote": "If You require cover for Medical Conditions that are not automatically covered above, You may apply for additional cover for that condition.", "page": 12 }, { "line": "After the online medical assessment, if the condition is accepted an extra premium may be payable and the condition is listed on the certificate of insurance.", "quote": "We can cover the Medical Condition – in which case an additional Premium may be payable and the Medical Condition will be listed on Your COI", "page": 12 }, { "line": "Not declaring a condition that is not on the list risks a claim for it being reduced or denied.", "quote": "If You do not tell Us about any Medical Condition that is not automatically covered under this policy and that You want cover for, You run the risk of a claim relating to that Medical Condition being reduced or denied.", "page": 11 } ], "document_cited": { "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=racv].automatically_covered_conditions" } } }, { "brand_slug": "racv", "plan_slug": "annual-multi-trip", "brand": "RACV Travel Insurance", "site": "https://www.racv.com.au/insurance/travel-insurance.html", "insurer": "Tokio Marine & Nichido Fire Insurance Co., Ltd", "insurer_footing": "company", "product": "All plans", "plan": "Annual Multi-Trip", "varies_by": "plan", "benefits_read": 37, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$unlimited*", "citation": { "quote": "Section 2: Overseas Medical, Hospital, Cash in Hospital, Dental and Related Expenses", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$unlimited*", "$unlimited*", "$unlimited*", "$unlimited*" ] } }, "cancellation": { "kind": "unparsed", "amount_aud": null, "stated": "$Choice of Limit", "citation": { "quote": "Section 1: Cancellation Fees and Lost Deposits", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$Choice of Limit", "$Choice of Limit", "Not Covered", "$Choice of Limit" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 15000, "stated": "$15,000", "citation": { "quote": "Luggage See specific Luggage item benefits table", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$15,000", "$7,500", "$2,000", "$15,000" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 8000, "stated": "$8,000^", "citation": { "quote": "Rental Car Excess", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$8,000^", "$4,000^", "Not Covered", "$8,000^" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 10000000, "stated": "$10,000,000", "citation": { "quote": "Your Legal Liability", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$10,000,000", "$10,000,000", "$10,000,000", "$10,000,000" ] } }, "travel_delay": { "kind": "amount", "amount_aud": 3000, "stated": "$3,000~", "citation": { "quote": "13 Travel Delay", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$3,000~", "$1,500~", "Not Covered", "$3,000~" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 25000, "stated": "$25,000**", "citation": { "quote": "Section 5–24 5 Accidental Death", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$25,000**", "$15,000**", "Not Covered", "$25,000**" ] } }, "cash": { "kind": "amount", "amount_aud": 500, "stated": "$500", "citation": { "quote": "3D Personal Money", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=6", "page": 6, "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "cells": [ "$500", "$250", "Not Covered", "$500" ] } } }, "implausible": null, "excess_applies": null, "document": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf", "labels": [ "annual-multi-trip", "overseas", "domestic", "return-trips-only", "cruise-add-on", "age-to-75", "overseas-60-days", "domestic-60-days", "pre-existing-some-included", "pre-existing-if-approved" ], "conditions": { "lines": [ "Covers every trip in a year, overseas or within Australia when the trip is more than 250km from home.", "Each trip can be up to 30, 45 or 60 days, depending on the option you choose.", "An overseas trip must start and end in Australia, and there is no medical, hospital, dental or evacuation cover for the part of a trip in Australia.", "An ocean cruise is covered only if the Cruise Benefits option is added, for an extra premium; river cruising is included automatically.", "You must be 75 or younger.", "Some listed medical conditions are covered automatically; others are covered only if the insurer approves them after an online medical assessment, which may cost extra." ], "written_on": "2026-10-15", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-some-included", "pre-existing-if-approved" ], "line": "Some listed medical conditions are covered automatically; others are covered only if the insurer approves them after an online medical assessment, which may cost extra.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85", "automatically_covered": { "where": "listed in the document", "pds_url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever", "Asthma", "Bell’s Palsy", "Benign Positional Vertigo", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Diabetes Mellitus (Type 1)", "Diabetes Mellitus (Type 2)", "Dry Eye Syndrome", "Epilepsy", "Gastric Reflux", "Gastric/Peptic Ulcer", "Glaucoma", "Gout", "Graves’ Disease", "Hiatus Hernia", "Hip/Knee replacement", "Hypercholesterolaemia (High Cholesterol)", "Hyperlipidaemia (High Blood Lipids)", "Hypertension (High Blood Pressure)", "Hypothyroidism, including Hashimoto’s Disease", "Incontinence", "Insulin Resistance", "Macular Degeneration", "Meniere’s Disease", "Migraine", "Nocturnal Cramps", "Plantar Fasciitis", "Raynaud’s Disease", "Sleep Apnoea", "Solar Keratosis", "Trigeminal Neuralgia", "Trigger Finger" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85", "term_used": "medical condition", "section": { "quote": "Medical Conditions We automatically cover", "page": 11 }, "who": [], "lead": { "line": "The listed conditions are covered automatically if the traveller meets the criteria below at the time cover is bought.", "quote": "This section outlines those Medical Conditions automatically included, provided that You, at the Relevant Time:", "page": 11 }, "criteria_for_every_condition": [ { "line": "No hospital stay or treatment by a doctor for the condition in the last 24 months, unless the list gives another period; routine check-ups, blood tests and repeat prescriptions do not count as treatment.", "quote": "have not required hospitalisation or treatment (where treatment does not include an annual or routine medical check-up, blood testing or a visit to a medical practitioner to obtain a regular prescription) by any Treating Doctor within the last 24 months (unless a different time period is specifically noted in the list below) for the Medical Condition", "page": 11 }, { "line": "Not waiting on the outcome of any investigation, tests, surgery or other treatment for the condition.", "quote": "are not awaiting the outcome of any investigation, tests, surgery or other treatment for the Medical Condition", "page": 11 }, { "line": "The condition meets its own criteria in the list, where it has any.", "quote": "meet any additional criteria set out in the Medical Conditions We automatically cover listed below", "page": 11 } ], "count": 38, "conditions": [ { "name": "Acne", "criteria": [], "page": 11 }, { "name": "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever", "criteria": [ "however this excludes any Anaphylaxis as part of any such condition" ], "page": 11 }, { "name": "Asthma", "criteria": [ "have no other lung disease", "are under 60 years of age at time You purchase the policy" ], "page": 11 }, { "name": "Bell’s Palsy", "criteria": [], "page": 11 }, { "name": "Benign Positional Vertigo", "criteria": [], "page": 11 }, { "name": "Bunions", "criteria": [], "page": 11 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 11 }, { "name": "Cataracts", "criteria": [], "page": 11 }, { "name": "Coeliac Disease", "criteria": [], "page": 11 }, { "name": "Congenital Blindness", "criteria": [], "page": 11 }, { "name": "Congenital Deafness", "criteria": [], "page": 11 }, { "name": "Diabetes Mellitus (Type 1)", "criteria": [ "were diagnosed over 24 months ago", "have no eye, kidney, nerve or vascular complications", "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia", "are under 50 years of age at the date of policy purchase" ], "page": 11 }, { "name": "Diabetes Mellitus (Type 2)", "criteria": [ "were diagnosed over 24 months ago", "have no eye, kidney, nerve or vascular complications", "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia", "are under 50 years of age at the date of policy purchase" ], "page": 11 }, { "name": "Dry Eye Syndrome", "criteria": [], "page": 11 }, { "name": "Epilepsy", "criteria": [ "there has been no change to Your medication regime in the past 24 months", "You are on no more than one anticonvulsant medication" ], "page": 11 }, { "name": "Gastric Reflux", "criteria": [], "page": 11 }, { "name": "Gastric/Peptic Ulcer", "criteria": [], "page": 11 }, { "name": "Glaucoma", "criteria": [], "page": 11 }, { "name": "Gout", "criteria": [], "page": 11 }, { "name": "Graves’ Disease", "criteria": [], "page": 11 }, { "name": "Hiatus Hernia", "criteria": [], "page": 11 }, { "name": "Hip/Knee replacement", "criteria": [ "if performed more than 24 months ago but less than 10 years ago" ], "page": 11 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 11 }, { "name": "Hyperlipidaemia (High Blood Lipids)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 12 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "provided that You do not also suffer from a known cardiovascular disease or Diabetes" ], "page": 12 }, { "name": "Hypothyroidism, including Hashimoto’s Disease", "criteria": [], "page": 12 }, { "name": "Incontinence", "criteria": [], "page": 12 }, { "name": "Insulin Resistance", "criteria": [], "page": 12 }, { "name": "Macular Degeneration", "criteria": [], "page": 12 }, { "name": "Meniere’s Disease", "criteria": [], "page": 12 }, { "name": "Migraine", "criteria": [], "page": 12 }, { "name": "Nocturnal Cramps", "criteria": [], "page": 12 }, { "name": "Plantar Fasciitis", "criteria": [], "page": 12 }, { "name": "Raynaud’s Disease", "criteria": [], "page": 12 }, { "name": "Sleep Apnoea", "criteria": [], "page": 12 }, { "name": "Solar Keratosis", "criteria": [], "page": 12 }, { "name": "Trigeminal Neuralgia", "criteria": [], "page": 12 }, { "name": "Trigger Finger", "criteria": [], "page": 12 } ], "notes": [], "otherwise": [ { "line": "A condition not on the list can be applied for.", "quote": "If You require cover for Medical Conditions that are not automatically covered above, You may apply for additional cover for that condition.", "page": 12 }, { "line": "After the online medical assessment, if the condition is accepted an extra premium may be payable and the condition is listed on the certificate of insurance.", "quote": "We can cover the Medical Condition – in which case an additional Premium may be payable and the Medical Condition will be listed on Your COI", "page": 12 }, { "line": "Not declaring a condition that is not on the list risks a claim for it being reduced or denied.", "quote": "If You do not tell Us about any Medical Condition that is not automatically covered under this policy and that You want cover for, You run the risk of a claim relating to that Medical Condition being reduced or denied.", "page": 11 } ], "document_cited": { "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411", "confirmed": "2026-11-05", "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=racv].automatically_covered_conditions" } } }, { "brand_slug": "tick", "plan_slug": "basic", "brand": "Tick Travel Insurance", "site": "https://www.tickinsurance.com.au/", "insurer": "Mitsui Sumitomo Insurance Company Limited", "insurer_footing": "company", "product": "All plans", "plan": "Basic", "varies_by": "plan", "benefits_read": 16, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 14, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "Unlimited", "citation": { "quote": "Medical treatment", "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13", "page": 13, "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef", "confirmed": "2026-11-05", "cells": [ "Unlimited", "Unlimited", "Unlimited", "Unlimited" ] } }, "cancellation": { "kind": "no_cover", "amount_aud": 0, "stated": "Nil", "citation": { "quote": "A Cancelling your trip before departure", "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13", "page": 13, "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef", "confirmed": "2026-11-05", "cells": [ "Nil", "$5,000", "$5,000", "$20,000", "$200" ] } } }, "implausible": null, "excess_applies": null, "document": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf", "labels": [ "single-trip", "overseas", "return-trips-only", "cruise-not-covered", "age-to-69", "overseas-42-days", "pre-existing-not-covered" ], "conditions": { "lines": [ "Covers one overseas trip that starts and ends in Australia; travel within Australia is not covered.", "The longest trip is 42 days.", "It cannot be bought for the Worldwide Including plan, needed if you spend more than 48 hours in North or South America.", "Travel on a commercial cruise ship is not covered.", "You must be 69 or younger when you apply.", "Pre-existing medical conditions are not covered." ], "written_on": "2026-10-15", "written_against_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377" }, "pre_existing_conditions": { "treatment": "not_covered", "in_words": "not covered", "labels": [ "pre-existing-not-covered" ], "line": "Pre-existing medical conditions are not covered.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377", "automatically_covered": null } }, { "brand_slug": "tick", "plan_slug": "budget", "brand": "Tick Travel Insurance", "site": "https://www.tickinsurance.com.au/", "insurer": "Mitsui Sumitomo Insurance Company Limited", "insurer_footing": "company", "product": "All plans", "plan": "Budget", "varies_by": "plan", "benefits_read": 16, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 14, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "Unlimited", "citation": { "quote": "Medical treatment", "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13", "page": 13, "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef", "confirmed": "2026-11-05", "cells": [ "Unlimited", "Unlimited", "Unlimited", "Unlimited" ] } }, "cancellation": { "kind": "amount", "amount_aud": 5000, "stated": "$5,000", "citation": { "quote": "A Cancelling your trip before departure", "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13", "page": 13, "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef", "confirmed": "2026-11-05", "cells": [ "Nil", "$5,000", "$5,000", "$20,000", "$200" ] } } }, "implausible": null, "excess_applies": null, "document": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf", "labels": [ "single-trip", "overseas", "return-trips-only", "cruise-not-covered", "age-to-79", "overseas-365-days", "pre-existing-not-covered" ], "conditions": { "lines": [ "Covers one overseas trip that starts and ends in Australia; travel within Australia is not covered.", "The longest trip is 365 days if you are 64 or under, or 90 days if you are 65 or over; trips to the Pacific only are limited to 42 days.", "It cannot be bought for the Worldwide Including plan, needed if you spend more than 48 hours in North or South America.", "Travel on a commercial cruise ship is not covered.", "You must be 79 or younger when you apply.", "Pre-existing medical conditions are not covered." ], "written_on": "2026-10-15", "written_against_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377" }, "pre_existing_conditions": { "treatment": "not_covered", "in_words": "not covered", "labels": [ "pre-existing-not-covered" ], "line": "Pre-existing medical conditions are not covered.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the 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], "line": "Pre-existing medical conditions, as the policy defines them, are not covered unless the insurer accepts them after an online medical screening, which may cost extra.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "3f664458f78e1c5e612f721a6ae857d97ce3e54970e290f9da2c6c112dc04fe3", "automatically_covered": null } }, { "brand_slug": "travel-insurance-saver", "plan_slug": "essentials", "brand": "Travel Insurance Saver", "site": "https://www.travelinsurancesaver.com.au/", "insurer": "Lloyd's", "insurer_footing": "lloyds", "product": "All plans", "plan": "Essentials", "varies_by": "plan", "benefits_read": 28, "plan_names_read_from_document": true, "benefit_names_unreliable": false, "cooling_off_days": 14, "limits": { "rental_vehicle_excess": { "kind": "amount", "amount_aud": 5000, "stated": "$5,000", "citation": { "quote": "10 Rental Vehicle 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"2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04", "confirmed": "2026-11-05", "cells": [ "$3,000", "$1,500" ] } } }, "implausible": null, "excess_applies": null, "document": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf", "labels": [ "overseas", "domestic", "single-trip", "annual-multi-trip", "cruise", "age-to-90", "pre-existing-if-approved", "australian-residents-only" ], "conditions": { "lines": [ "Covers one trip, or every trip in a year as an Annual Multi-Trip policy up to the trip length on your certificate, overseas or within Australia.", "A cruise is covered as part of the plan, with its own emergency medical cover while cruising.", "You must be 90 or younger when you buy the policy.", "Pre-existing medical conditions, as the policy defines them, are not covered unless the insurer accepts them after an online medical screening, which may cost extra.", "You must be an Australian citizen living in Australia, or have lived in Australia for at least 3 months." ], "written_on": "2026-10-15", "written_against_sha256": "3f664458f78e1c5e612f721a6ae857d97ce3e54970e290f9da2c6c112dc04fe3" }, "pre_existing_conditions": { "treatment": "if_approved", "in_words": "only if approved", "labels": [ "pre-existing-if-approved" ], "line": "Pre-existing medical conditions, as the policy defines them, are not covered unless the insurer accepts them after an online medical screening, which may cost extra.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "3f664458f78e1c5e612f721a6ae857d97ce3e54970e290f9da2c6c112dc04fe3", "automatically_covered": null } }, { "brand_slug": "webjet", "plan_slug": "international-travel-safe-plus", "brand": "Webjet Travel Insurance", "site": "https://www.webjet.com.au/travel-insurance/", "insurer": "Zurich Australian Insurance Limited", "insurer_footing": "company", "product": "International", "plan": "International Travel Safe Plus", "varies_by": "plan", "benefits_read": 36, "plan_names_read_from_document": true, "benefit_names_unreliable": false, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$Unlimited~", "citation": { "quote": "Overseas Medical", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=5", "page": 5, "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05", "cells": [ "Yes", "$Unlimited~" ] } }, "cancellation": { "kind": "unparsed", "amount_aud": null, "stated": "$You choose^", "citations": [ { "quote": "3* Amendment or Cancellation Costs", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=4", "page": 4, "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05", "cells": [ "Yes", "$You choose^" ] }, { "quote": "3* Amendment or Cancellation Costs", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=5", "page": 5, "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05", "cells": [ "Yes", "$You choose^" ] } ] }, "luggage_total": { "kind": "amount", "amount_aud": 6000, "stated": "$6,000", "citation": { "quote": "5* Luggage and Travel Documents", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=4", "page": 4, "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05", "cells": [ "$6,000" ] } }, "travel_delay": { "kind": "no_cover", "amount_aud": 0, "stated": "No cover", "citation": { "quote": "9* Travel Delay", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=5", "page": 5, "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05", "cells": [ "No", "No cover" ] } } }, "implausible": null, "excess_applies": { "overseas_medical": true, "cancellation": true, "travel_delay": false }, "document": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf", "labels": [ "overseas", "single-trip", "annual-multi-trip", "cruise-add-on", "overseas-365-days", "pre-existing-if-approved", "pre-existing-some-included", "australian-residents-only" ], "conditions": { "lines": [ "Covers one overseas trip, or every trip in a year as an Annual Multi-Trip policy up to the trip length chosen.", "The longest trip is the one shown on your certificate; worldwide cover is at most 12 months in total.", "A cruise of two or more nights on an ocean or sea outside Australian coastal waters is covered only if Cruise Cover is added, for an extra premium.", "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "You must live in Australia, as a resident with a Medicare card or on a visa that lets you live, work or study here, and be returning home at the end of the cover." ], "written_on": "2026-10-15", "written_against_sha256": "3023fe0188a254930bd57b5c0f3b3ec0285d781f61369b40036b80ad31eae266" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-if-approved", "pre-existing-some-included" ], "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "3023fe0188a254930bd57b5c0f3b3ec0285d781f61369b40036b80ad31eae266", "automatically_covered": { "where": "listed in the document", "pds_url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Migraine", "Peptic Gastric Ulcer", "Plantar Fasciitis", "Raynaud’s Disease", "Skin Cancer", "Stenosing Tenosynovitis (Trigger Finger)", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "3023fe0188a254930bd57b5c0f3b3ec0285d781f61369b40036b80ad31eae266", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We automatically include", "page": 12 }, "who": [], "lead": { "line": "Conditions in the table are covered automatically if the criteria below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the table following provided", "page": 12 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition the traveller has must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 12 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 12 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 12 }, { "line": "Not waiting for investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 12 }, { "line": "The condition meets its own criteria in the table.", "quote": "Your condition satisfies the criteria in the table following", "page": 12 }, { "line": "Time frames run back from the Relevant Time unless stated otherwise.", "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise", "page": 12 } ], "count": 36, "conditions": [ { "name": "Acne", "criteria": [ "No additional criteria" ], "page": 12 }, { "name": "ADHD", "criteria": [ "No additional criteria" ], "page": 12 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 12 }, { "name": "Anxiety", "criteria": [ "You have not been diagnosed with Depression in the last 3 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 12 }, { "name": "Asthma", "criteria": [ "You are less than 60 years of age when You purchase the policy", "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 12 }, { "name": "Bell’s Palsy", "criteria": [ "No additional criteria" ], "page": 12 }, { "name": "Bunions", "criteria": [ "No additional criteria" ], "page": 12 }, { "name": "Carpal Tunnel Syndrome", "criteria": [ "No additional criteria" ], "page": 12 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 12 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 12 }, { "name": "Coeliac Disease", "criteria": [ "No additional criteria" ], "page": 12 }, { "name": "Congenital Blindness", "criteria": [ "No additional criteria" ], "page": 12 }, { "name": "Congenital Deafness", "criteria": [ "No additional criteria" ], "page": 12 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last 2 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 12 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 13 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 13 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)" ], "page": 13 }, { "name": "Goitre", "criteria": [ "No additional criteria" ], "page": 13 }, { "name": "Graves’ Disease", "criteria": [ "No additional criteria" ], "page": 13 }, { "name": "Gout", "criteria": [ "No additional criteria" ], "page": 13 }, { "name": "Hiatus Hernia", "criteria": [ "No additional criteria" ], "page": 13 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 13 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 13 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 13 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 13 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 13 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 13 }, { "name": "Migraine", "criteria": [ "No additional criteria" ], "page": 13 }, { "name": "Peptic Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 13 }, { "name": "Plantar Fasciitis", "criteria": [ "No additional criteria" ], "page": 13 }, { "name": "Raynaud’s Disease", "criteria": [ "No additional criteria" ], "page": 13 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 13 }, { "name": "Stenosing Tenosynovitis (Trigger Finger)", "criteria": [ "No additional criteria" ], "page": 13 }, { "name": "Urinary Incontinence", "criteria": [ "No additional criteria" ], "page": 13 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 13 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 13 } ], "notes": [ { "line": "The automatic list does not apply at all if the traveller has any other existing medical condition not on it.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 13 } ], "otherwise": [ { "line": "A condition not on the list, or one that fails its criteria, needs an online health assessment declaring all existing conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 13 }, { "line": "Existing conditions are otherwise excluded; cover can be applied for and may cost an extra premium if approved.", "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.", "page": 11 } ], "document_cited": { "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=webjet].automatically_covered_conditions" } } }, { "brand_slug": "webjet", "plan_slug": "international-travel-safe", "brand": "Webjet Travel Insurance", "site": "https://www.webjet.com.au/travel-insurance/", "insurer": "Zurich Australian Insurance Limited", "insurer_footing": "company", "product": "International", "plan": "International Travel Safe", "varies_by": "plan", "benefits_read": 36, "plan_names_read_from_document": true, "benefit_names_unreliable": false, "cooling_off_days": 21, "limits": {}, "implausible": null, "excess_applies": { "overseas_medical": true, "cancellation": true, "travel_delay": false }, "document": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf", "labels": [ "overseas", "single-trip", "annual-multi-trip", "cruise-add-on", "overseas-365-days", "pre-existing-if-approved", "pre-existing-some-included", "australian-residents-only" ], "conditions": { "lines": [ "Covers one overseas trip, or every trip in a year as an Annual Multi-Trip policy up to the trip length chosen.", "The longest trip is the one shown on your certificate; worldwide cover is at most 12 months in total.", "A cruise of two or more nights on an ocean or sea outside Australian coastal waters is covered only if Cruise Cover is added, for an extra premium.", "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "You must live in Australia, as a resident with a Medicare card or on a visa that lets you live, work or study here, and be returning home at the end of the cover." ], "written_on": "2026-10-15", "written_against_sha256": "3023fe0188a254930bd57b5c0f3b3ec0285d781f61369b40036b80ad31eae266" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-if-approved", "pre-existing-some-included" ], "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "3023fe0188a254930bd57b5c0f3b3ec0285d781f61369b40036b80ad31eae266", "automatically_covered": { "where": "listed in the document", "pds_url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Migraine", "Peptic Gastric Ulcer", "Plantar Fasciitis", "Raynaud’s Disease", "Skin Cancer", "Stenosing Tenosynovitis (Trigger Finger)", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "3023fe0188a254930bd57b5c0f3b3ec0285d781f61369b40036b80ad31eae266", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We automatically include", "page": 12 }, "who": [], "lead": { "line": "Conditions in the table are covered automatically if the criteria below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the table following provided", "page": 12 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition the traveller has must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 12 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 12 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 12 }, { "line": "Not waiting for investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 12 }, { "line": "The condition meets its own criteria in the table.", "quote": "Your condition satisfies the criteria in the table following", "page": 12 }, { "line": "Time frames run back from the Relevant Time unless stated otherwise.", "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise", "page": 12 } ], "count": 36, "conditions": [ { "name": "Acne", "criteria": [ "No additional criteria" ], "page": 12 }, { "name": "ADHD", "criteria": [ "No additional criteria" ], "page": 12 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 12 }, { "name": "Anxiety", "criteria": [ "You have not been diagnosed with Depression in the last 3 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 12 }, { "name": "Asthma", "criteria": [ "You are less than 60 years of age when You purchase the policy", "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 12 }, { "name": "Bell’s Palsy", "criteria": [ "No additional criteria" ], "page": 12 }, { "name": "Bunions", "criteria": [ "No additional criteria" ], "page": 12 }, { "name": "Carpal Tunnel Syndrome", "criteria": [ "No additional criteria" ], "page": 12 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 12 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 12 }, { "name": "Coeliac Disease", "criteria": [ "No additional criteria" ], "page": 12 }, { "name": "Congenital Blindness", "criteria": [ "No additional criteria" ], "page": 12 }, { "name": "Congenital Deafness", "criteria": [ "No additional criteria" ], "page": 12 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last 2 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 12 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 13 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 13 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)" ], "page": 13 }, { "name": "Goitre", "criteria": [ "No additional criteria" ], "page": 13 }, { "name": "Graves’ Disease", "criteria": [ "No additional criteria" ], "page": 13 }, { "name": "Gout", "criteria": [ "No additional criteria" ], "page": 13 }, { "name": "Hiatus Hernia", "criteria": [ "No additional criteria" ], "page": 13 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 13 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 13 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 13 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 13 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 13 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 13 }, { "name": "Migraine", "criteria": [ "No additional criteria" ], "page": 13 }, { "name": "Peptic Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 13 }, { "name": "Plantar Fasciitis", "criteria": [ "No additional criteria" ], "page": 13 }, { "name": "Raynaud’s Disease", "criteria": [ "No additional criteria" ], "page": 13 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 13 }, { "name": "Stenosing Tenosynovitis (Trigger Finger)", "criteria": [ "No additional criteria" ], "page": 13 }, { "name": "Urinary Incontinence", "criteria": [ "No additional criteria" ], "page": 13 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 13 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 13 } ], "notes": [ { "line": "The automatic list does not apply at all if the traveller has any other existing medical condition not on it.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 13 } ], "otherwise": [ { "line": "A condition not on the list, or one that fails its criteria, needs an online health assessment declaring all existing conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 13 }, { "line": "Existing conditions are otherwise excluded; cover can be applied for and may cost an extra premium if approved.", "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.", "page": 11 } ], "document_cited": { "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220", "confirmed": "2026-11-05", "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=webjet].automatically_covered_conditions" } } }, { "brand_slug": "zoom", "plan_slug": "plan-b-standard-adult", "brand": "Zoom Travel Insurance", "site": "https://www.zoomtravelinsurance.com.au/", "insurer": "HDI Global Speciality SE", "insurer_footing": "company", "product": "All plans", "plan": "PLAN B STANDARD ADULT", "varies_by": "plan", "benefits_read": 26, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 14, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "unlimited", "citation": { "quote": "2* Overseas Emergency Medical Expenses^", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "unlimited", "unlimited", "unlimited" ] } }, "cancellation": { "kind": "amount", "amount_aud": 25000, "stated": "$25,000", "citation": { "quote": "8 Cancellation Fees & Lost Deposits", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$25,000", "unlimited", "unlimited", "$25,000" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 7500, "stated": "$7,500", "citation": { "quote": "11* Luggage & Personal Effects", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$7,500", "$7,500", "$7,500", "$7,500" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 5000, "stated": "$5,000 or $8,000", "citation": { "quote": "16 Rental Vehicle Insurance Excess #", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$5,000 or $8,000", "$5,000 or $8,000", "$8,000", "$5,000 or $8,000" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 2500000, "stated": "$2,500,000", "citation": { "quote": "15 Personal Liability #", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$2,500,000", "$5,000,000", "$5,000,000", "$2,500,000" ] } } }, "implausible": null, "excess_applies": null, "document": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf", "labels": [ "overseas", "cruise-add-on", "age-to-79", "overseas-365-days", "pre-existing-if-approved", "australian-residents-only", "return-trips-only" ], "conditions": { "lines": [ "Covers an overseas trip, with overseas emergency medical cover.", "You must be 79 or younger when the policy is issued.", "Cover, including any extension, cannot run longer than 12 months from your first travel date.", "A cruise of two or more nights on a sea or ocean is covered only if the Cruise Pack is added; without it there is no cover on the cruise.", "Pre-existing medical conditions are not covered unless you declare them and the insurer agrees in writing, which may cost extra.", "You must live in Australia, hold a Medicare card, buy before you leave, and your trip must start and end in Australia." ], "written_on": "2026-10-15", "written_against_sha256": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b" }, "pre_existing_conditions": { "treatment": "if_approved", "in_words": "only if approved", "labels": [ "pre-existing-if-approved" ], "line": "Pre-existing medical conditions are not covered unless you declare them and the insurer agrees in writing, which may cost extra.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b", "automatically_covered": null } }, { "brand_slug": "zoom", "plan_slug": "plan-c-comprehensive-adult", "brand": "Zoom Travel Insurance", "site": "https://www.zoomtravelinsurance.com.au/", "insurer": "HDI Global Speciality SE", "insurer_footing": "company", "product": "All plans", "plan": "PLAN C COMPREHENSIVE ADULT", "varies_by": "plan", "benefits_read": 26, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 14, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "unlimited", "citation": { "quote": "2* Overseas Emergency Medical Expenses^", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "unlimited", "unlimited", "unlimited" ] } }, "cancellation": { "kind": "unlimited", "amount_aud": null, "stated": "unlimited", "citation": { "quote": "8 Cancellation Fees & Lost Deposits", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$25,000", "unlimited", "unlimited", "$25,000" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 7500, "stated": "$7,500", "citation": { "quote": "11* Luggage & Personal Effects", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$7,500", "$7,500", "$7,500", "$7,500" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 5000, "stated": "$5,000 or $8,000", "citation": { "quote": "16 Rental Vehicle Insurance Excess #", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$5,000 or $8,000", "$5,000 or $8,000", "$8,000", "$5,000 or $8,000" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 5000000, "stated": "$5,000,000", "citation": { "quote": "15 Personal Liability #", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$2,500,000", "$5,000,000", "$5,000,000", "$2,500,000" ] } }, "travel_delay": { "kind": "amount", "amount_aud": 2000, "stated": "$2,000", "citation": { "quote": "10 Travel Delay Expenses", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$2,000", "$2,000" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 25000, "stated": "$25,000", "citation": { "quote": "5* Accidental Death", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$25,000", "$25,000" ] } } }, "implausible": null, "excess_applies": null, "document": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf", "labels": [ "overseas", "cruise-add-on", "age-to-85", "overseas-365-days", "pre-existing-if-approved", "australian-residents-only", "return-trips-only" ], "conditions": { "lines": [ "Covers an overseas trip, with overseas emergency medical cover.", "You must be 85 or younger when the policy is issued; from 80 to 85 a trip can be at most 6 months and a $2,000 excess applies to injury and illness claims.", "Cover, including any extension, cannot run longer than 12 months from your first travel date.", "A cruise of two or more nights on a sea or ocean is covered only if the Cruise Pack is added; without it there is no cover on the cruise.", "Pre-existing medical conditions are not covered unless you declare them and the insurer agrees in writing, which may cost extra.", "You must live in Australia, hold a Medicare card, buy before you leave, and your trip must start and end in Australia." ], "written_on": "2026-10-15", "written_against_sha256": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b" }, "pre_existing_conditions": { "treatment": "if_approved", "in_words": "only if approved", "labels": [ "pre-existing-if-approved" ], "line": "Pre-existing medical conditions are not covered unless you declare them and the insurer agrees in writing, which may cost extra.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b", "automatically_covered": null } }, { "brand_slug": "zoom", "plan_slug": "plan-d-domestic-adult", "brand": "Zoom Travel Insurance", "site": "https://www.zoomtravelinsurance.com.au/", "insurer": "HDI Global Speciality SE", "insurer_footing": "company", "product": "All plans", "plan": "PLAN D DOMESTIC ADULT", "varies_by": "plan", "benefits_read": 26, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 14, "limits": { "cancellation": { "kind": "unlimited", "amount_aud": null, "stated": "unlimited", "citation": { "quote": "8 Cancellation Fees & Lost Deposits", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$25,000", "unlimited", "unlimited", "$25,000" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 7500, "stated": "$7,500", "citation": { "quote": "11* Luggage & Personal Effects", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$7,500", "$7,500", "$7,500", "$7,500" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 8000, "stated": "$8,000", "citation": { "quote": "16 Rental Vehicle Insurance Excess #", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$5,000 or $8,000", "$5,000 or $8,000", "$8,000", "$5,000 or $8,000" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 5000000, "stated": "$5,000,000", "citation": { "quote": "15 Personal Liability #", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$2,500,000", "$5,000,000", "$5,000,000", "$2,500,000" ] } }, "travel_delay": { "kind": "amount", "amount_aud": 2000, "stated": "$2,000", "citation": { "quote": "10 Travel Delay Expenses", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$2,000", "$2,000" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 25000, "stated": "$25,000", "citation": { "quote": "5* Accidental Death", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$25,000", "$25,000" ] } } }, "implausible": null, "excess_applies": null, "document": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf", "labels": [ "domestic", "cruise-add-on", "age-to-85", "domestic-365-days", "pre-existing-if-approved", "australian-residents-only", "return-trips-only" ], "conditions": { "lines": [ "Covers a trip within Australia that takes you more than 50 kilometres from home; there is no overseas medical cover.", "You must be 85 or younger when the policy is issued; from 80 to 85 a trip can be at most 6 months and a $2,000 excess applies to injury and illness claims.", "Cover, including any extension, cannot run longer than 12 months from your first travel date.", "A cruise of two or more nights on a sea or ocean is covered only if the Cruise Pack is added; without it there is no cover on the cruise.", "Pre-existing medical conditions are not covered unless you declare them and the insurer agrees in writing, which may cost extra.", "You must live in Australia, hold a Medicare card, buy before you leave, and your trip must start and end in Australia." ], "written_on": "2026-10-15", "written_against_sha256": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b" }, "pre_existing_conditions": { "treatment": "if_approved", "in_words": "only if approved", "labels": [ "pre-existing-if-approved" ], "line": "Pre-existing medical conditions are not covered unless you declare them and the insurer agrees in writing, which may cost extra.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b", "automatically_covered": null } }, { "brand_slug": "zoom", "plan_slug": "plan-f-frequent-traveller-adult", "brand": "Zoom Travel Insurance", "site": "https://www.zoomtravelinsurance.com.au/", "insurer": "HDI Global Speciality SE", "insurer_footing": "company", "product": "All plans", "plan": "PLAN F FREQUENT TRAVELLER ADULT", "varies_by": "plan", "benefits_read": 26, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 14, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "unlimited", "citation": { "quote": "2* Overseas Emergency Medical Expenses^", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "unlimited", "unlimited", "unlimited" ] } }, "cancellation": { "kind": "amount", "amount_aud": 25000, "stated": "$25,000", "citation": { "quote": "8 Cancellation Fees & Lost Deposits", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$25,000", "unlimited", "unlimited", "$25,000" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 7500, "stated": "$7,500", "citation": { "quote": "11* Luggage & Personal Effects", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$7,500", "$7,500", "$7,500", "$7,500" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 5000, "stated": "$5,000 or $8,000", "citation": { "quote": "16 Rental Vehicle Insurance Excess #", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$5,000 or $8,000", "$5,000 or $8,000", "$8,000", "$5,000 or $8,000" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 2500000, "stated": "$2,500,000", "citation": { "quote": "15 Personal Liability #", "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=16", "page": 16, "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124", "confirmed": "2026-11-05", "cells": [ "$2,500,000", "$5,000,000", "$5,000,000", "$2,500,000" ] } } }, "implausible": null, "excess_applies": null, "document": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf", "labels": [ "annual-multi-trip", "overseas", "domestic", "cruise-add-on", "age-to-69", "overseas-45-days", "domestic-45-days", "pre-existing-if-approved", "australian-residents-only", "return-trips-only" ], "conditions": { "lines": [ "Covers an unlimited number of trips overseas and within Australia for twelve months.", "Each trip can last up to 15 or 45 days, as chosen; trips within Australia must take you at least 50 kilometres from home and have only some sections of cover.", "You must be 69 or younger when the policy is issued.", "A cruise of two or more nights on a sea or ocean is covered only if the Cruise Pack is added; without it there is no cover on the cruise.", "Pre-existing medical conditions are not covered unless you declare them and the insurer agrees in writing, which may cost extra.", "You must live in Australia, hold a Medicare card, buy before you leave, and your trip must start and end in Australia." ], "written_on": "2026-10-15", "written_against_sha256": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b" }, "pre_existing_conditions": { "treatment": "if_approved", "in_words": "only if approved", "labels": [ "pre-existing-if-approved" ], "line": "Pre-existing medical conditions are not covered unless you declare them and the insurer agrees in writing, which may cost extra.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b", "automatically_covered": null } } ], "labels": { "what_they_are": "Each plan's conditions as labels, given by hand from its brand's Product Disclosure Statement, keyed brand_slug/plan_slug. A label is given only where the document says it, so a missing label means not stated, not no; a plan with no labels has not been labelled yet. What each label means is in vocabulary.", "vocabulary": { "overseas": "Covers trips overseas.", "domestic": "Covers trips within Australia.", "cruise": "Covers a cruise, on the same terms as a flight (its fare paid as the policy requires).", "return-trips-only": "Only a return trip that starts and ends in Australia is covered.", "pay-whole-fare": "The whole outbound fare has to be paid with the card (or as the policy allows) before leaving.", "pay-part-fare": "A stated minimum amount of the trip has to be paid with the card, not the whole fare.", "points-count": "Paying with the card's rewards points counts as paying with the card.", "australian-residents-only": "Only people who live in Australia are covered.", "age-to-": "The age limit, as age-to-85 for 85 or younger. Where it applies to only part of the cover, the lines say which.", "overseas--days": "The longest single overseas trip covered, in days.", "domestic--days": "The longest single domestic trip covered, in days.", "pre-existing-not-covered": "Pre-existing medical conditions are not covered.", "pre-existing-if-approved": "Pre-existing medical conditions are covered only if the insurer approves them.", "activation-required": "The cover has to be activated before the trip.", "single-trip": "Covers one trip.", "annual-multi-trip": "Can be bought as an annual policy covering every trip in a year, up to a trip length chosen.", "cruise-add-on": "A multi-night cruise is covered only if cruise cover is added, for an extra premium.", "cruise-not-covered": "A multi-night ocean cruise is not covered.", "pre-existing-some-included": "Some named pre-existing medical conditions are covered automatically.", "visitors-to-australia": "For people who do not live in Australia, travelling to or within it.", "overseas--months": "The longest single overseas trip covered, where the document gives it in consecutive months rather than days (as overseas-6-months)." }, "by_label": { "age-to-100": [ "insureandgo/silver", "insureandgo/gold", "insureandgo/silver-2", "insureandgo/gold-2", "tick/standard", "tick/top" ], "age-to-110": [ "racv/comprehensive", "racv/essentials", "racv/basics" ], "age-to-69": [ "fast-cover/snow-sports-plus", "tick/basic", "zoom/plan-f-frequent-traveller-adult" ], "age-to-75": [ "racv/annual-multi-trip" ], "age-to-79": [ "insureandgo/bare-essentials", "insureandgo/bare-essentials-2", "tick/budget", "zoom/plan-b-standard-adult" ], "age-to-85": [ "zoom/plan-c-comprehensive-adult", "zoom/plan-d-domestic-adult" ], "age-to-89": [ "fast-cover/comprehensive", "fast-cover/standard-saver", "fast-cover/basics", "fast-cover/domestic-plus", "fast-cover/frequent-traveller-saver" ], "age-to-90": [ "travel-insurance-saver/comprehensive", "travel-insurance-saver/essentials" ], "annual-multi-trip": [ "australia-post/international-comprehensive-plan", "australia-post/international-basic-plan", "budget-direct/comprehensive", "budget-direct/essential", "cover-more/international-comprehensive", "cover-more/international-comprehensive-plus", "cover-more/domestic-comprehensive", "cover-more/domestic-comprehensive-plus", "fast-cover/frequent-traveller-saver", "medibank/international-comprehensive-plan", "racv/annual-multi-trip", "travel-insurance-saver/comprehensive", "travel-insurance-saver/essentials", "webjet/international-travel-safe-plus", "webjet/international-travel-safe", "zoom/plan-f-frequent-traveller-adult" ], "australian-residents-only": [ "australia-post/international-comprehensive-plan", "australia-post/international-basic-plan", "budget-direct/comprehensive", "budget-direct/essential", "budget-direct/basic", "fast-cover/comprehensive", "fast-cover/standard-saver", "fast-cover/basics", "fast-cover/snow-sports-plus", "fast-cover/domestic-plus", "fast-cover/frequent-traveller-saver", "medibank/international-comprehensive-plan", "medibank/international-medical-only-plan", "travel-insurance-direct/comprehensive-single", "travel-insurance-direct/comprehensive-duo", "travel-insurance-direct/comprehensive-family", "travel-insurance-saver/comprehensive", "travel-insurance-saver/essentials", "webjet/international-travel-safe-plus", "webjet/international-travel-safe", "zoom/plan-b-standard-adult", "zoom/plan-c-comprehensive-adult", "zoom/plan-d-domestic-adult", "zoom/plan-f-frequent-traveller-adult" ], "cruise": [ "fast-cover/frequent-traveller-saver", "travel-insurance-saver/comprehensive", "travel-insurance-saver/essentials" ], "cruise-add-on": [ "australia-post/international-comprehensive-plan", "australia-post/international-basic-plan", "budget-direct/comprehensive", "budget-direct/essential", "budget-direct/basic", "cover-more/international-basic", "cover-more/international-comprehensive", "cover-more/international-comprehensive-plus", "cover-more/inbound", "fast-cover/comprehensive", "fast-cover/standard-saver", "fast-cover/basics", "fast-cover/snow-sports-plus", "fast-cover/domestic-plus", "medibank/international-comprehensive-plan", "medibank/international-medical-only-plan", "racv/comprehensive", "racv/essentials", "racv/basics", "racv/annual-multi-trip", "travel-insurance-direct/comprehensive-single", "travel-insurance-direct/comprehensive-duo", "travel-insurance-direct/comprehensive-family", "webjet/international-travel-safe-plus", "webjet/international-travel-safe", "zoom/plan-b-standard-adult", "zoom/plan-c-comprehensive-adult", "zoom/plan-d-domestic-adult", "zoom/plan-f-frequent-traveller-adult" ], "cruise-not-covered": [ "insureandgo/bare-essentials", "insureandgo/silver", "insureandgo/gold", "insureandgo/bare-essentials-2", "insureandgo/silver-2", "insureandgo/gold-2", "tick/basic", "tick/budget", "tick/standard", "tick/top" ], "domestic": [ "cover-more/domestic-basic", "cover-more/domestic-comprehensive", "cover-more/domestic-comprehensive-plus", "fast-cover/domestic-plus", "insureandgo/bare-essentials-2", "insureandgo/silver-2", "insureandgo/gold-2", "racv/annual-multi-trip", "travel-insurance-saver/comprehensive", "travel-insurance-saver/essentials", "zoom/plan-d-domestic-adult", "zoom/plan-f-frequent-traveller-adult" ], "domestic-365-days": [ "zoom/plan-d-domestic-adult" ], "domestic-45-days": [ "zoom/plan-f-frequent-traveller-adult" ], "domestic-60-days": [ "racv/annual-multi-trip" ], "overseas": [ "australia-post/international-comprehensive-plan", "australia-post/international-basic-plan", "budget-direct/comprehensive", "budget-direct/essential", "budget-direct/basic", "cover-more/international-basic", "cover-more/international-comprehensive", "cover-more/international-comprehensive-plus", "fast-cover/comprehensive", "fast-cover/standard-saver", "fast-cover/basics", "fast-cover/snow-sports-plus", "fast-cover/frequent-traveller-saver", "insureandgo/bare-essentials", "insureandgo/silver", "insureandgo/gold", "medibank/international-comprehensive-plan", "medibank/international-medical-only-plan", "racv/comprehensive", "racv/essentials", "racv/basics", "racv/annual-multi-trip", "tick/basic", "tick/budget", "tick/standard", "tick/top", "travel-insurance-direct/comprehensive-single", "travel-insurance-direct/comprehensive-duo", "travel-insurance-direct/comprehensive-family", "travel-insurance-saver/comprehensive", "travel-insurance-saver/essentials", "webjet/international-travel-safe-plus", "webjet/international-travel-safe", "zoom/plan-b-standard-adult", "zoom/plan-c-comprehensive-adult", "zoom/plan-f-frequent-traveller-adult" ], "overseas-365-days": [ "australia-post/international-comprehensive-plan", "australia-post/international-basic-plan", "budget-direct/comprehensive", "budget-direct/essential", "budget-direct/basic", "cover-more/international-basic", "cover-more/international-comprehensive", "cover-more/international-comprehensive-plus", "medibank/international-comprehensive-plan", "medibank/international-medical-only-plan", "racv/comprehensive", "racv/essentials", "racv/basics", "tick/budget", "tick/standard", "tick/top", "webjet/international-travel-safe-plus", "webjet/international-travel-safe", "zoom/plan-b-standard-adult", "zoom/plan-c-comprehensive-adult" ], "overseas-42-days": [ "tick/basic" ], "overseas-45-days": [ "zoom/plan-f-frequent-traveller-adult" ], "overseas-60-days": [ "racv/annual-multi-trip" ], "overseas-63-days": [ "fast-cover/frequent-traveller-saver" ], "pre-existing-if-approved": [ "australia-post/international-comprehensive-plan", "australia-post/international-basic-plan", "budget-direct/comprehensive", "budget-direct/essential", "budget-direct/basic", "cover-more/international-basic", "cover-more/international-comprehensive", "cover-more/international-comprehensive-plus", "cover-more/domestic-basic", "cover-more/domestic-comprehensive", "cover-more/domestic-comprehensive-plus", "fast-cover/comprehensive", "fast-cover/standard-saver", "fast-cover/basics", "fast-cover/snow-sports-plus", "fast-cover/domestic-plus", "fast-cover/frequent-traveller-saver", "insureandgo/bare-essentials", "insureandgo/silver", "insureandgo/gold", "insureandgo/bare-essentials-2", "insureandgo/silver-2", "insureandgo/gold-2", "medibank/international-comprehensive-plan", "medibank/international-medical-only-plan", "racv/comprehensive", "racv/essentials", "racv/basics", "racv/annual-multi-trip", "tick/standard", "tick/top", "travel-insurance-direct/comprehensive-single", "travel-insurance-direct/comprehensive-duo", "travel-insurance-direct/comprehensive-family", "travel-insurance-saver/comprehensive", "travel-insurance-saver/essentials", "webjet/international-travel-safe-plus", "webjet/international-travel-safe", "zoom/plan-b-standard-adult", "zoom/plan-c-comprehensive-adult", "zoom/plan-d-domestic-adult", "zoom/plan-f-frequent-traveller-adult" ], "pre-existing-not-covered": [ "tick/basic", "tick/budget" ], "pre-existing-some-included": [ "australia-post/international-comprehensive-plan", "australia-post/international-basic-plan", "budget-direct/comprehensive", "budget-direct/essential", "budget-direct/basic", "cover-more/international-basic", "cover-more/international-comprehensive", "cover-more/international-comprehensive-plus", "cover-more/domestic-basic", "cover-more/domestic-comprehensive", "cover-more/domestic-comprehensive-plus", "cover-more/inbound", "medibank/international-comprehensive-plan", "medibank/international-medical-only-plan", "racv/comprehensive", "racv/essentials", "racv/basics", "racv/annual-multi-trip", "webjet/international-travel-safe-plus", "webjet/international-travel-safe" ], "return-trips-only": [ "fast-cover/comprehensive", "fast-cover/standard-saver", "fast-cover/basics", "fast-cover/snow-sports-plus", "fast-cover/domestic-plus", "fast-cover/frequent-traveller-saver", "racv/comprehensive", "racv/essentials", "racv/basics", "racv/annual-multi-trip", "tick/basic", "tick/budget", "tick/standard", "tick/top", "travel-insurance-direct/comprehensive-single", "travel-insurance-direct/comprehensive-duo", "travel-insurance-direct/comprehensive-family", "zoom/plan-b-standard-adult", "zoom/plan-c-comprehensive-adult", "zoom/plan-d-domestic-adult", "zoom/plan-f-frequent-traveller-adult" ], "single-trip": [ "australia-post/international-comprehensive-plan", "australia-post/international-basic-plan", "budget-direct/comprehensive", "budget-direct/essential", "budget-direct/basic", "cover-more/international-basic", "cover-more/international-comprehensive", "cover-more/international-comprehensive-plus", "cover-more/domestic-basic", "cover-more/domestic-comprehensive", "cover-more/domestic-comprehensive-plus", "cover-more/inbound", "insureandgo/bare-essentials", "insureandgo/silver", "insureandgo/gold", "insureandgo/bare-essentials-2", "insureandgo/silver-2", "insureandgo/gold-2", "medibank/international-comprehensive-plan", "medibank/international-medical-only-plan", "racv/comprehensive", "racv/essentials", "racv/basics", "tick/basic", "tick/budget", "tick/standard", "tick/top", "travel-insurance-direct/comprehensive-single", "travel-insurance-direct/comprehensive-duo", "travel-insurance-direct/comprehensive-family", "travel-insurance-saver/comprehensive", "travel-insurance-saver/essentials", "webjet/international-travel-safe-plus", "webjet/international-travel-safe" ], "visitors-to-australia": [ "cover-more/inbound" ] }, "plans_labelled": 45 } }, "class_context": { "note": "What the whole travel class takes in and returns, for context on any one insurer.", "see": "https://deepalmanac.com/au/insurance/travel/v1/class-series.json" }, "licence_note": "Source: APRA register of general insurance, used under CC BY 3.0 AU. Source: ASIC Australian Financial Services Licensee register, used under CC BY 3.0 AU." }