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Annual Multi Trip

ACE Annual Travel Protection

ACE Annual Travel Protection has 2 plans for you to choose from:

Plan Type Covered Locations under each Plan
Worldwide (Excl. Cuba)
Worldwide (Excluding cuba).
Domestic
Australia Only.

Under the ACE Annual Travel Protection covered journeys under the Worldwide plan are limited to ninety 90 days. Covered journeys under the Domestic plan are limited to forty-five (45) days. For journeys exceeding this period, consider the ACE Annual Trip Travel Protection policy as trips of up to 6 months can be covered.

You will also need to select either Single, You and Your Travelling Companion or Family cover:

Who can be Covered
Single Cover
Cover for You and Dependent Children and two (2) other Unrelated Children provided they are travelling with the Insured on a Journey.
You and Your Travelling Companion Cover
Cover for You and Travelling Companion.
Family Cover
Cover for You and Spouse/Partner and Dependent Children and two (2) Unrelated Children provided they are travelling with the Insured on a Journey.

Dependent Children and two (2) Unrelated Children are covered for free when the Insured purchases Single or Family cover. There is no restriction on the number of Dependent Children covered, but all Dependent Children and Unrelated Children must be named on the Policy.

The maximum benefit amount We will pay for claims by You (the Insured and any other persons covered including Dependent Children and Unrelated Children) is twice the benefit shown in the Summary of Benefits table.

Summary of Benefits

The following Table summarises the benefits we can provide. Please refer to the ACE Annual Trip Travel Protection Combined Financial Services Guide, Policy Wording and Product Disclosure Statement (PDS) for detailed descriptions of the cover and the terms, condition and exclusions.

Maximum benefit limits apply, as summarised in this Table. Where specified, sub limits also apply.

If You are travelling with Dependent Children and/or two (2) Unrelated Children on either Single or Family Cover, the maximum benefit amounts We will pay for claims by You and any other persons covered (including the Dependent Children and/or two (2) Unrelated Children) is twice the benefit shown in the table below.

The references to Sections in the Table below are references to the relevant Section in the PDS.

Schedule of Benefits Worldwide Plan Domestic Plan
1) Overseas Medical and Dental Expenses
(please refer to Section 1)
Unlimited
Not Applicable
2) Additional Expenses
2.1 Resumption of Journey (sub limit)
2.2 Special Events (sub limit)
2.4 If You Die (sub limit)
(please refer to Section 2)
Unlimited
$3,000
$2,000
$10,000
$15,000
$3,000
$2,000
$10,000
3) Loss of Deposits and Cancellation Charges
Travel Agent’s Cancellation Fee (sub limit)
(please refer to Section 3)
$20,000
Lesser of AUD750 or 15% of the refundable amount
$15,000
Lesser of AUD750 or 15% of the refundable amount
4) Luggage and Travel Documents
4.1 Loss, Theft or Damage
a) Item Limit (each item)
b) Video & Electrical Equipment (sub limit)

4.2 Delayed Luggage Allowance
a) More than 24 hours (sub limit)
b) More than 72 hours (sub limit)
(please refer to Section 4)
$10,000

$1,000
$3,500


$500
$1,000
$5,000

$1,000
$1,500


$500
$1,000
5) Replacement of Money
(please refer to Section 5)
$200
Not Applicable
6) Rental Vehicle Excess
Return of Rental Vehicle
(please refer to Section 6)
$3,000
$3,000
7) Travel Delay Accommodation
(please refer to Section 7)
$1,200
$500
8) Flight Delay
(a) More than 6 hours
(b) More than 12 hours
(please refer to Section 8)

$100
$200

Not Applicable
9) Cash in Hospital
(a) Daily Amount
(b) Maximum Amount
(please refer to Section 9)

$100
$10,000

Not Applicable
10) Public Transport Hijacking and Kidnapping
(a) Daily Amount
(b) Maximum Amount
(please refer to Section 10)

$1,000
$15,000

Not Applicable
11) Personal Liability
(please refer to Section 11)
$3,000,000
$200,000
12) Accidental Loss of Life & Permanent Loss
Maximum amount for Dependent Children:
(a) Accidental Loss of Life- Children
(b) Permanent Loss
(please refer to Section 12)
$25,000

$1,000
$10,000
$25,000

$1,000
$10,000

Due to legislation in Australia, medical expenses for treatment and services provided in Australia are not payable under this Policy.

 

Important Information about Travel Insurance

You are not aware of any circumstance which is likely to give rise to a claim before You take up this insurance.

You are a resident of Australia.

Cover is available for Journeys taken during the Period of Insurance, subject to your Policy terms, conditions and exclusions. Please note that some benefits are not available for domestic Journeys or parts of Journeys.

Journey means the period commencing at the time You leave Your Home to start Your journey and ceasing at the time You return to Your Home, provided the journey:

  1. commences while this Policy is in force; and
  2. has either an interstate or overseas destination or, if intrastate (i.e. within the State You normally reside) involves You travelling more than a one-hundred (100) kilometre radius from Your Home.
  3. is for a period not greater than ninety (90) consecutive days International Plan or forty-five (45) days Domestic Plan.

Age Limit:

Adults – From eighteen (18) years of age, up to and including sixty nine (69) years of age.

Dependent Children and Unrelated Children – up to and including eighteen (18) years of age, or twenty-one (21) years of age if full-time students at an accredited institution of higher learning.

Medical expenses for treatment and services rendered in Australia are not payable under this policy.

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1 Country of Residence
?
2 Destination
? ??
3 No. of Travellers
? ? Adults
Adults' Age
? Dependants
4 Trip Type
?
From
Until

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