The PDS outlines everything your policy covers and more so you know exactly where you stand before you travel. For example, this includes unexpected situations like:

• Overseas medical emergencies

• Lost, delayed or damaged luggage

• Trip cancellation

• Trip disruption, whether you're continuing your trip or heading home early

• Accidental death while travelling

• Theft of your credit card, cash or fraudulent use of your card

Just as important, the PDS tells you what you're not covered for. Reading it before you buy means there are no surprises if you need to make a claim.

It is your responsibility to read the PDS and decide whether the policy is right for you. Our PDS is written in plain language with clear "Words with Special Meaning" definitions to make it as easy to understand as possible.