If your policy includes family emergency as a provision, and a relative becomes hospitalised or passes away, you may be able to claim for curtailment or cancellation of the remainder of a trip, whichever is higher (you can’t claim for both).
Under this provision, a relative is defined as you or your travelling companion's mother, mother in law, father, father in law, step parent, step parent in law, sister, sister in law, brother, brother in law, wife, husband, son, son in law, daughter, daughter in law, step child, foster child, grandparent, grandchild, partner, fiance(e), spouse or guardian. To be covered, a family member must be 84 years of age or under and a resident of Australia or New Zealand.
If a relative is hospitalised or dies in Australia or New Zealand after the policy was issued as a result of a pre-existing medical condition(s) and you didn’t know that there could be a likelihood of death or hospitalisation, then we will cover you for $2000 per adult.
If you did know about the pre-existing medical condition and the likelihood of hospitalisation or death, then we wouldn’t be able to cover you.
Please check the PDS for details.
All FAQ answers are based on the current effective PDS. If your policy is older than the current PDS, please contact us or refer to your particular policy.
Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the PDS.
1Cover ® is a registered trademark of 1Cover Pty Ltd. 1Cover Pty Ltd ABN 91 105 954 265, is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. Before you buy, please read the Product Disclosure Statement and Target Market Determination. Any information contained on this website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these having regard to the Product Disclosure Statement (‘PDS’). Before you purchase, please note in particular, the eligibility criteria, travel warnings in place and limitations to claim under multiple policy sections.
This insurance is underwritten by HDI Global Specialty SE – Australia.
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