Some words in your policy that have special meanings are defined here.

Adult Travellers: This is the number of people who are financially independent and over the age of 21. If the insurance policy is to be held solely by a child, then for the purposes of their cover, they are considered to be an ‘adult'.

Arises or Arising means directly or indirectly arising or in any way connected with.

Certificate of Insurance: Once you have selected your plan and level of cover, paid the premium and we agree to provide cover, you will be issued a Certificate of Insurance. This Certificate details your plan type and level of insurance cover, the start and end date of your insurance and the amount of premium paid. It is important that you retain this Certificate in a safe place as this Certificate is proof of your insurance policy.

Date of incident: If you have a medical claim, this is the date that you saw a doctor or were treated for your illness, otherwise it is the date that you suffered the event causing you to incur financial loss.

Dependant means your children or grandchildren not in full time employment who are under the age of 21 and travelling with you on the journey.

Destination : Australia – Pacific – Asia – Europe – Worldwide
Your destination is the country which you are travelling to and in which you are spending the majority of your holiday. For the purposes of travel insurance, this is broken down broadly into regions: Worldwide, Europe, Asia, Pacific and Australia. (Note that if you take a Worldwide policy, you are covered for travel anywhere within Europe, Asia or the Pacific.)

End date: Your end date is the date on which your insurance policy expires. Please refer to your Certificate of Insurance.

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.

Excess means the amount which you must first pay for each claim arising from the one event before a claim can be made under your policy.

Home means the place where you normally live in Australia.

Hospital means an established hospital registered under any legislation that applies to it, that provides in-patient medical care.

Increased luggage cover: You can increase the amount of luggage cover that you have, by purchasing additional cover for specified items such as a camera or computer.

Injure or Injured or Injury means bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at 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 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 does not mean any business samples or items that you intend to trade.

Journey means the time from when you leave your home to go directly to the place you depart from on your travels, and ends when you return to your home.

Medical advisor means a qualified doctor of medicine or dentist registered in the place where you received the services.

Normally earn means:

Open Water Sailing means sailing more than 10 nautical miles off any land mass.

Pandemic means a form of an Epidemic that extends throughout an entire continent, even the entire human race.

Permanent resident or Australian citizen

This policy is only available to people who are currently residing or intend to reside within Australia.

Pre-existing medical condition is

A Pre-existing Medical Condition ("PE Condition") means: or or or or

PLEASE NOTE: THIS DEFINITION APPLIES TO YOU, YOUR TRAVELLING COMPANION, ANY RELATIVE, OR ANY OTHER PERSON.

Premium means the cost of your insurance.

Public place means any place that the public has access to, including but not limited to hotels, hotel foyers and grounds, restaurants, air or bus terminals, stations, taxis, wharves, private carparks and beaches.

Reasonable means, for medical or dental expenses, the standard level of 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 are under the age of 85 years and who are resident in Australia: fiancé, fiancée, spouse, legally recognised de facto, parent, parent-in-law, son, daughter, daughter-in-law, son-in-law, stepson, stepdaughter, sister, sister-in-law, brother, brother-in-law, grandchild, grandparent, step-parent or guardian.

Sick or sickness means a medical condition, not being an injury, which first occurs during your period of cover.

Start date Your start date is the date on which your insurance policy is issued. Please refer to your Certificate of Insurance.

Travelling Companion means a person who made arrangements to travel with you for at least 75% of your journey before you entered into your policy.

Unsupervised means:

We, Our and Us means the insurer of your policy, Allianz Australia Insurance Limited, or its agent ETI Australia Pty Ltd.

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.

Your journey means the time from when you leave your home to go directly to the place you depart from on your travels, and ends when you return to your home.