International Travel Insurance for Surfers - Special rates Bali and Indonesia.

QBE International Travel Insurance Plans
	This full comprehensive travel insurance offers cover for travellers aged up to 70 years who are travelling overseas, including accompanying dependant children under 25 years at no additional cost, up to 12 months with extensions available. Cover for single trips to more than 200 regions worldwide.
The advantage of buying your policy as soon as you make your travel arrangements: Amendment costs or cancellation fees including accommodation and transport expenses if your pre-paid scheduled public transport services or pre-paid tour have been cancelled or restricted as a direct result of natural disasters or severe weather conditions. Additional costs from changes to travel plans including accommodation and transport expenses if a serious sudden illness or injury stops you from commencing your trip.
FREE... Cover For Cruising Worldwide Cruising now automaticaly covered. Cover for medical expenses incurred while onboard and dental expenses due to sudden and acute pain while onboard a cruise ship in international waters.
FREE...Snowsports Cover in New Zealand Including snowboarding, skiing and biking. Free cover for Region 7 all other regions and destinations require the additional benefit option for Snow Sports

QBE International - Travel Plan Regions

REGION 1... Cover for the USA, South and Central America and Antarctica
(Travellers must select this Region 1 travel plan if they are spending more than 72 hours of their trip in these destinations)

REGION 2... Cover for Africa and Canada
Not available if more than 72 hours of the trip is spent in Region 1 destinations

REGION 3...Cover for Europe and the Middle East
Not available if more than 72 hours is in Region 1 or the majority is in Region 2

REGION 4...Cover for China, Hong Kong, Japan, Singapore, Philippines, Thailand and India and other Asia
Not available if more than 72 hours is in Region 1 or the majority is in Region 2 - 3

REGION 5... Cover for UK and Ireland
Not available if more than 72 hours is in Region 1 or the majority is in Region 2 - 4

REGION 6... Cover for Indonesia, Bali, South Pacific Islands, Norfolk Island and Sth Pacific Cruises
Not available if more than 72 hours is in Region 1 or the majority is in Region 2 - 5

REGION 7... Cover for New Zealand only
Not available if more than 72 hours is in Region 1 or the majority is in Region 2 - 6

International Travel Plans - Key Benefits & Limits
This list is a summary of some of the benefits covered by this policy and the applicable limits. Please read the PDS as conditions apply.	Applicable Limit Per Adult
Cancellation or Holiday deferment cost	Unlimited
Emergency travel arrangements and accomodation expenses	Unlimited
Medical and Dental Expenses	Unlimited
Evacuation and Repatriation	Unlimited
Denture Expenses due to sudden and acute pain	$1,000
Travel Delay	$2,000
Agents Cancellation Fees	$2,000
Rental Vehicle Insurance Excess	$5,000
Luggage and Personal effect maximum item limit total	$12,000
Personal Computer: Laptop, notebooks, blackberry and other hand-held personal digital assistants individual item limit	$6,000
Camera & Video individual item limit	$4,000
Watches and Jewellery individual item limit	$700
Dentures and dental prosthesis individual item limit	$800
Other individal item limit	$700
Emergency Luggage	$500
Fraudulent Use of credit or debit cards	$3,000
Replacement passports and travel documents	$3,000
Stolen Cash	$250
Loss of Income	$10,000
Personal Liability	$3,000.000
Legal Expenses	$15,000
Financial Default	$10,000
Additional Benefits you can purchase - Benefits are available prior and post departure
Specified Items: To cover items worth more than the item limit of $700. Cover up to $6,000 per item, maximum total for all items $15,000
Additional Rental Vehicle Insurance Excess: Cover can be increased to $5,000. Additional $20 per $500 unit of cover
Excess: Consider the $NIL excess option to cover your personal effects and surfboards (less depreciation) otherwise you will have to pay $200 for each claim made.
Snow Sports Cover Option: Cover for participating in a snow sports activity can be purchased for an additional premium. (except New Zealand which is covered at no extra charge) You must read Section J together with the General exclusions, as these may affect your cover.
Please read the PDS as conditions apply.

Guidelines
	You must purchase the QBE International Travel Plan applicable to your destination. If you are spending more than 72 hours in USA, Canada, South or Central America or Antarctica you must purchase Region 1 Travel Plan.
	Please include your departure and return dates when calculating your duration.
	The Certificate of Insurance must be issued prior to the commencement of your trip
	Insurance is not available to travellers outside of Australia
	The terms and conditions of the QBE policy are subject to the laws of the Australian state or territory where the Certificate of Insurance is issued. You agree to submit to the jurisdiction of the courts of that state or territory.
	Premiums: The premium payable is per adult. A maximum of 2 adults can be named on a Certificate of Insurance. Accompanying financially dependant children, grandchildren, step children, nieces and nephews who are not in full-time employment and under 25 years of age at the time the Certificate of Insurance is issued are covered at no additional cost.
	Availability: Available to residents of Australia regardless of your age. Conditions apply 70 years and over. Available for Non-residents of Australia if you are under 60 years of age when the Certificate of Insurance is issued
	Excesses: An excess of $200 applies to each claim unless the Nil Excess Premium option is purchased. It is up to you to choose your excess level from the available options. This excess will apply to each claim you make under this policy, except the applicable sections with 'no excess'. Travellers insured on the same Certificate of Insurance must select the same excess option.
	Extensions: The International Travel Plan can be extended as many times as your like up to a maximum total duration of 24 months from departure if you are under 70 years when the original Certificate of Insurance is issued. If you are aged over 70 years when the original Certificate of Insurance is issued, then up to a maximum total duration applicable to your age band. Conditions may apply depending on your destination and age.
	Existing Medical Conditions: You should take cover for your existing medical condition.There is no cover under this QBE policy for any claim arising as a result of your existing medical condition unless you have told QBE about it. If you require cover or are over 70 years of age, application for cover is available online when quoting. Not available after departure or to non residents of Australia.
	Existing Medical Conditions of a Non Travelling Relative or Business Partner - You may also choose to take out cover to protect you if you trip is cancelled, cut short or disrupted due to an existing medical condition of a non-travelling relative or business partner provided they are under 80 years of age. Not available after departure or to non residents of Australia