This travel insurance product offers you a choice of travel insurance options: It is up to you to choose the cover you need. The PDS is designed to assist you in your decision to purchase travel insurance. It contains information about key benefits and significant features. The advice in this document is of a general nature only and has not considered your objectives, financial situation or needs. The booklet contains the followig sections which provide:

Part 1

Part 2

Duty Of Disclosure - What You Must Tell QBE

You have a Duty of Disclosure under the Insurance Contracts Act 1984 (Cth) that requires you to tell QBE certain things.
Before you enter into a policy with QBE, they will ask you a series of questions.
You must tell them everything you know or which a reasonable person in the circumstances would be expected to know in answer to the questions in the application form.
Before you extend or vary a policy, you must tell QBE everything you know or which a reasonable person in the circumstances would be expected to know, for them to decide:
• whether they will insure you;
• the premium they will charge you; and
• whether any special conditions will apply to your policy.
You do not have to tell QBE about any matter:
• that diminishes the risk;
• that is of common knowledge;
• that they know or should know in the ordinary course of their business as an insurer; or
• which QBE indicate they do not want to know.

Everyone who is insured under the policy must comply with the Duty of Disclosure. If you provide information about another insured, you do this on their behalf. If you (or they) don’t comply with the Duty of Disclosure, QBE may reduce the amount of any claim and/or cancel your insurance. If fraud is involved, QBE may treat your insurance as void from the beginning.

This policy may not match your expectations

(For example; because an exclusion applies). You should therefore read this PDS and Policy Wording carefully. Please ask your representative or QBE if you are unsure about any aspect of the policy

You need to make sure the limits of cover are approcriate for your needs. Otherside you may be under insuraed and have to bear part of any loss that exceeds the limits yourself. Please refer to the applicable limits as set out in the Schedule of Benefits and the Policy Wording.

QBE may refuse to pay or deduce the amount they pay under a claim if you do not comply with the policy conditions, if you do not comply with your Duty of Disclosure or make a misrepresentation, or if you make a fraudulent claim. You must nominate on the Application Form the country or region you are spending the majority of your trip and whether you are spending more than 72 hours in the USA, Canada, South or Central America or Antarctica. If you do not nominate the appropriate country or region for your trip any claim under the policy may be reduced to nil.

There is no cover under this policy for luggage and personal effects that are left unattended. please refer to the definition of unattended in the Policy wording and 'What is covered?' under Section F1 'Luggage and persona effects'.

There is no cover for any medical, dental or ancillary costs incurred within Australia unlesss you have purchased the Australian Travel Plan with the Cruising cover then, cover is provided for emergency medical treatment reqired onboard a cruise ship within Australian waters. Refer to Section B1 'Medical and dental expenses' in the Policy wording.

If a complaint arises during your dealing with QBE or the representative, you should first discuss the matter with the person with whom you have been dealing. Where your complaint is not resolved to your satisfaction you should request that the matter be dealt with by QBE's Internal Complaints Handling Process. Your representative can assist you to lodge your complaint or QBE Customer Service Centre can take the details for you.
You will provided with a copy of the brochure detailing the complaints handling process. Your complaint will be handlesby a person with authority to resolve the matter. Your complaint shlu.dbe dealt with within 15 business days unless we notify you ofthe resons why it cannot be deralt with within that time. If the compladont remains unresolved to your satisfactiohn, you can request that it be reviewed by the Financial Ombudsman Service (FOS). FOS resoves certain insurance disput4es between concumers and insurers and will provide an independent review at no cost to you. QBE Insurance is bound by the determination of FOS but the determination is not binding on you.

If you have any queries, contact the representative on the address detailed on the back of the PDS, or on the Internet site or emailed with this document.

You should read the Product Disclosure Statement including; Duty Of Disclosure, Privacy Policy and Dispute Resolution The Policy Wording (part 2 of the booklet) for detailed information about the benefits, exclusions and circumstances, and Section K - Making a Claim for information regarding all claims.

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