Surfers Cheap International Travel Insurance - low cost premium for low risk areas from QBE Travel Insurance

QBE Elements Travel Insurance Plan
	Are you travelling overseas to visit relatives or friends? A budget travel plan for surfers who are going overseas and looking for a cheap policy just in case the 'unexpected' happens. This 'Per Person' international travel plan provides all the elements for surfers under 65 years.. With consideration for high risk destinations, this product offers lower prices for low risk areas.

QBE Elements - 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 is in Region 1

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

REGION 4 ... Cover for Asia, China, Hong Kong, Japan, Singapore, Indonesia, Bali, Philippines, Thailand and India.
Not available if 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 any of the trip is in any Region 1 or the majority is in region 2 - 4

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

REGION 7 ... Cover for New Zealand only
Not available if more than 72 hours is in Region 1or the majority is in any other region

QBE Elements 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 Limits Per Person
Cancellation or Holiday deferment costs	$10,000
Emergency travel arrangements and accomodation expenses	$10,000
Agents Cancellation Fees	$1,500
Medical Expenses	$10,000,000
Dental Expenses	$10,000,000
Dental Expenses due to sudden and acute pain	$1,000
Emergency accommodation expenses if unable to continue staying with friend or relatives	$2,500
Medical Evacuation and Repatriation	$10,000.000
Non-Medical Evacuation and Repatriation	$10,000.000
Travel Delay	$1,000
Luggage and Personal effect maximum item limit total	$3,000
Dentures or dental prosthesis individual item limit	$800
Other individual item limit	$300
Emergency Luggage	$300
Replacement passports and travel documents	$1,000
Personal Liability	$1,000.000

Guidelines
	The terms and conditions of the 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 the state or territory.
	Insurance is not available to travellers outside of Australia.
	This QBE travel plan is only available to residents of Australia who are under 65 years of age at the time the certificate of insurance is to be issued and it must be issued prior to the commencement of your trip.
	An excess of $100 applies to each claim except under Sections B4, D1 and F2.
	You must purchase the QBE travel plan according to your destination.
	This policy is not suitable for anyone with an existing medical condition (EMC) unless it is on the 'cover without application' list. If you wish to apply for cover for an EMC the International and Annual Multi Trip travel plans offer cover.
	If you have an existing medical condition (including pregnancy over 26 weeks) please consider the International or Annual Travel Plans.
	The premium payable is Per Person. There is no cover for any accompanying child or children
	There is no provision to suspend this policy during the period of insurance.
	Your policy can be extended as many times as you like up to the maximum duration of 12 months from departure date. This is only available before the current policy expires. When applying for an extension you must tell QBE if there is a claim made or pending, or you suffer from an existing medical condition, or you have seen a medical or dental practitioner, as an extension may not be available, or special terms may be imposed.
	This travel plan can be purchased up to 6 months prior to the commencement of your trip.
	This QBE policy does not provide cover for any snow sports.
	This policy does not provide any cover for cruising. If you require cover for a surf boat charter then apply for an International or Annual Multi Trip Travel Plan with automatic cover for cruising 'Free of Charge'.
Please reads the PDS as conditions apply .