Carrier or Carriers means an aircraft, vehicle, train, vessel or other public transport operated under a licence for the purposes of transporting passengers. This definition excludes taxis.
Chronic means a persistent and lasting condition in medicine. We do not consider that chronic pain has to be 'constant' pain, however in many situations is has a pattern of relapse and remission. The pain, disease or medical issue may be long-lasting, reccurent (occurred on more than 2 occasions) or characterised by long suffering.
Epidemic means a sudden development and rapid spreading of a contagious disease in a region where it developed in a simply endemic state or within a previously unscathed community.
Injure or Injured or Injury means bodily injury caused solely and directly by violent, accidental, visible and external means, which happensat a definite time and place during your period of cover and does not result from any illness, sickness or disease.
Locked Storage Compartment means a boot, trunk, glove box, enclosed centre console, or concealed cargo area of a sedan, station wagon, hatchback, van or motorhome.
Luggage and Personal Effects means any personal items owned by you and that you take with you, or buy, on your journey and which are designed to be worn or carried about with you. This includes items of clothing, personal jewellery, photographic and video equipment or personal computers, or electrical devices or portable equipment. However, it doesnot mean any business samples or items that you intend to trade.
If you are an employee, your average weekly base rate after tax over the 12 months before your journey began.
If you are not an employee, your average weekly income from personal exertion after deducting income and all tax deductible expenses over the twelve months before your journey. However, if you haven’t been working continuously for that period, it means the average for the time you were working continuously.
An ongoing medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware;
A medical or dental condition that is currently being, or has been investigated, or treated by a health professional (including dentist or chiropractor);
Any condition for which you take prescribed medicine;
Any condition for which you have had surgery;
Any condition for which you see a medical specialist; or
Pregnancy.
PLEASE NOTE: This definition applies to you, your travelling companion or a relative.
Public Place means any place that the public has access to, including but not limited to planes, trains, cruise ships, taxis, buses, air or bus terminals, stations, wharves, streets, museums, galleries, hotels, hotel foyers and grounds, beaches, restaurants, private carparks, public toilets and general access areas.
Reasonable means, for medical or dental expenses, the standard levelof care given in the country you are in or, for other expenses, the standard level you have booked for the rest of your journey or, as determined by us.
Relative means any of the following who is under 85 years of age and who is resident in Australia or New Zealand. It means your or your Travelling Companion’s spouse, de facto partner, parent, parent-in-law, daughter, son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, grandchild, grandparent, step-parent, step-son, step-daughter, fiancé or fiancée, or guardian.
Travelling Companion means a person with whom you have made arrangements to travel with you for at least 75% of your journey before you entered into your policy.
You and Your means the person whose name is set out in your Certificate of Insurance and everyone else who is covered under your policy.
Worldcare
As a market leader, Worldcare Travel Insurance offers you total in-house service from arranging your insurance to paying your claim. This flexibility and knowledge enables us to innovate and let you design your own policy!
Mondial
Mondial Assistance Australia is a leading provider of travel insurance & student health cover, as well as roadside & property assistance. Around the clock, around the world, we're always ready to help you - whatever it takes.
Allianz
The Allianz Group is one of the largest and most renowned insurance and financial services providers in the world.
Representing an international network of strong brands with first class products, Allianz brings together the expertise of specialists in property and casualty insurance, life and health insurance, asset management and banking.
