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IntroductionProduct Disclosure StatementThis Product Disclosure Statement (PDS) is designed toassist You in considering whether the TravelCard LeisureInternational Travel Insurance is suitable for You. The PDSdescribes the features and benefits of the product by settingout the terms, limits, conditions, exclusions and defines anywords with special meaning of the insurance. This documentalso contains important information about Your rights andobligations including Your Duty of Disclosure and the CoolingOff Period available for retail clients.It is important that You read this Product DisclosureStatement with Your Schedule and any other changes tothe terms of Your insurance, such as an Endorsement orSupplementary PDS. Together, these documents form YourPolicy of insurance.From time-to-time and where permitted by law, We maychange parts of the Policy. If the changes are substantial Wewill issue a new PDS or a Supplementary PDS. If the changesare not materially adverse to You from the point of view ofa reasonable person deciding whether to buy this insurance,any such changes can be found on our website at www.travelcard.com.au. Should you wish to receive a paper copyof the update, please contact Us.It is important that You read this PDS thoroughly to ensurethat the product provides You with the cover that You need.If You have any questions, please contact Our CustomerService Team on 1300 123 413.This PDS Version 3-0 20200301 is dated 1 March 2020.Your Duty of DisclosoureDuty of Disclosure when You first enter into the Policywith UsYour Duty of Disclosure for renewalsBefore You renew this contract of insurance, You have a dutyof disclosure under the Insurance Contracts Act 1984. If Weask You questions that are relevant to Our decision to insureYou and on what terms, You must tell Us anything that Youknow and that a reasonable person in the circumstanceswould include in answering the questions.Also, We may give You a copy of anything You havepreviously told Us and ask You to tell Us if it has changed. IfWe do this, You must tell Us about any change or tell Us thatthere is no change.If You do not tell Us about a change to something You havepreviously told Us, You will be taken to have told Us thatthere is no change. You have this duty until We agree torenew the contract.Who needs to tell UsIt is important that You understand You are disclosing to Usand answering Our questions for Yourself and anyone elseYou want to be covered by the Policy.If You Do Not Tell UsIf You do not tell Us anything You are required to, We maycancel Your contract of insurance or reduce the amount thatWe will pay You if You make a claim, or both. If Your failureto tell Us is fraudulent, We may refuse to pay a claim or treatthe contract as if it never existed.How To Make A ClaimAs much as We want You to enjoy Your travels, Weunderstand that sometimes things don’t go as planned.We aim to make claims easy and simple for Our customers.You can make a claim on Your Policy in a number of ways.1.Before You enter into this contract of insurance with Us, Youhave a duty of disclosure under the Insurance Contracts Act1984.We may ask You questions that are relevant to Our decisionto insure You and on what terms. If We do, You must tell Usanything that You know and that a reasonable person in thecircumstances would include in their answer. It is importantthat You understand that You are answering for Yourself andanyone else to whom these questions apply.2.When You vary, extend or reinstate the contract with Us,Your duty is to tell Us every matter that You know, or couldreasonably be expected to know, is relevant to Our decisionwhether to accept the risk of the insurance and, if so, onwhat terms. You can call Us on Our reverse charges number: 61 2 7909 2777. You can email Us onOn-trip-assistance@travelcard.com.au.if You have returned Home You can call Our Customer Service Team on:1300 123 413. You can email Us on claims@travelcard.com.au.3.You can Skype Call Us on SkypeID“TravelCardOz Travel Insurance”.4.You can also download a claim form from Our websitewww.travelcard.com.au.You have this duty until We agree to insure You.Your Duty of Disclosure when you vary, extend orreinstate the Policyif You are currently travelling:We will always endeavour to complete the claims process asquickly as possible, and We will explain to You what happensnext and what We may need to finalise Our assessment.We may need original documents and receipts to supportYour claim, so it is always important that You keep thesesafe.TravelCard Leisure International Travel Insurance 05

Leisure Travel Insurance Covers & InclusionsTable of Benefits for Standard CoversThe Table of Benefits for Standard Covers is a summary of the benefits covered by Your Policy showing the maximumamount payable for each benefit*. Benefit limits are per Journey per adult listed on the Schedule, except for Section13 Personal Liability. The benefit limits also include all claims for Dependant children. It is important that You read thePDS carefully with the Schedule so that You will understand all the limits, terms, conditions and exclusions.It is important that You read the PDS as some sections have Sub-limits and waiting periods,Section1SectionNamePlan TypeSingleVarious limitsCancellationapply* (BasicAnd Journeyhas limitedDisruptioncovers)*DuoVarious limitsapply* (Basichas limitedcovers)*Cover TypesFamilyVarious limitsapply* (Basichas limitedcovers)*Basic3(limited)Comprehensive Excess3ChosenExcessappliesper eventPageNoDescription24Cover if Youneed to cancelYour trip beforeYou commenceYour Journey orcome Home earlydue to claimablecircumstancesoutside Your control.2OverseasMedicalAnd DentalExpenses Unlimited * Unlimited * Unlimited *33Nil Excess31Cover for Overseasmedical and dentalexpenses includingambulance costswhilst on a Journey.Emergency denture,spectacles or contactlenses up to amaximum amount of 1,000 per InsuredPerson on the Policy.3HospitalRelatedExpenses 10,000 intotal * #33Nil Excess33Cover for incidentalcosts You incur whilstadmitted to Hospital.34Death benefit payablefor accidental deathor presumed deathif Your body is notfound for 12 monthsafter Your means oftransport disappears,sinks or crashes.34Permanent Disabilitybenefit payable if Yousuffer a PermanentDisability as a resultof an Injury.35Weekly benefit for upto 26 weeks to coverloss of Income for upto 400 per week,following Injury on aJourney.36Cover for the costof replacing TravelDocuments CreditCards, lity 10,000 intotal * # 10,000 intotal * # 50,000 per 50,000 per 50,000 perAdult †Adult †Adult † 50,000 per 50,000 per 50,000 perAdult †Adult †Adult †6Loss OfIncome 10,400 intotal * # 10,400 intotal * # 20,800 intotal * #7TravelDocuments,CreditCards AndTravellersCheques 5,000 intotal 10,000 intotal 10,000 intotal06TravelCard Leisure International Travel Insurance66663ChosenExcessappliesper event3ChosenExcessappliesper event3ChosenExcessappliesper event3ChosenExcessappliesper event

Section8SectionNameTheftOf CashPlan TypeSingle 250 in totalDuoCover TypesFamily 250 in total 500 in totalBasic3Comprehensive Excess3Nil ExcessPageNoDescription37Cover up to thestated benefit amountfor cash stolen fromYour person.37Cover for lost, stolenor damaged LuggageAnd Personal Effects.Cover amount is forall claims combined.There are individualitem sub-limitsbetween 1,000 and 4,000.9LuggageAndPersonalEffects 15,000 intotal * 30,000 intotal * 30,000 intotal *63ChosenExcessappliesper event10LuggageAndPersonalEffectsDelayExpenses 2,000 intotal* 2,000 intotal* 2,000 intotal*63Nil Excess39Delayed, misdirectedor misplacedLuggage or PersonalEffects.11Travel DelayExpenses 2,000 intotal* # 4,000 intotal* # 4,000 intotal* #63ChosenExcessappliesper event40Accommodationexpenses fortransport delays ofmore than 6 hours.12SpecialEvents 5,000 intotal 5,000 intotal 10,000 intotal3ChosenExcessappliesper event41Public transport coststo arrive at a specifiedevent in time.13PersonalLiability 6,000,000in total forComprehensive or 3,000,000for Basic 6,000,000in total forComprehensive or 3,000,000for Basic 6,000,000in total forComprehensive or 3,000,000for Basic41Your personal liabilityto others in respect ofdeath, loss or damageto property. Thisbenefit is combinedfor all personscovered under thisPolicy.14RentalVehicleInsuranceExcess43Cover for the RentalVehicle InsuranceExcess that You areliable to pay if YourRental Vehicle isdamaged or stolen.44Additional kennel,cattery or pet sittercosts if Your finalJourney Home isdelayed for morethan 12 hoursdue to specifiedcircumstances.15Pet Care 8,000 intotal 600 intotal # 8,000 intotal 600 intotal # 8,000 intotal 600 intotal#63663ChosenExcessappliesper event3ChosenExcessappliesper event3ChosenExcessappliesper eventPlease refer to Policy Section for a full description of the cover limits, terms, conditions and exclusions.*Sub Limits apply, please refer to the Policy Section for individual Sub Limits. limited for 12 months# Waiting periods apply† Dependant child limits applyTravelCard Leisure International Travel Insurance 07

Table of Benefits for Optional CoversThe Table of Benefits for Optional Covers is a summary of the benefits that Your Policy may cover if You pay anadditional premium and they are shown on Your Schedule*. Benefit limits are per Journey per adult listed on theSchedule. The benefit limits also include all claims for Dependant children. It is important that You read the PDScarefully with the Schedule so that You can understand all the limits, terms, conditions and exclusions.SectionSectionNamePlan TypeSingleDuoCover TypesFamilyBasicComprehensive ExcessPageNo44Cover for medicalexpenses, andevacuation whilecruising, cabinconfinementcover, shoreexcursioncancellation cover,lost damaged ordelayed arrivalof Formal Attire,marine rescuediversion.49Optional benefitincludes wintersports medicaland evacuationcover, own WinterSports Equipmentcover, Ski Packcancellation cover,piste closurecover, weatherand avalancheclosure cover.54Cover for costsincurred byrescue or policeauthorities andchargeable to theInsured Personto instigate asearch and rescueoperation.54Cover forspecifiedadventureactivities listed inthe Policy Section.55Cover for golfequipment, hiringgolf equipment ifYours are delayed,lost or stolen,loss of prepaidgreen fees andtuition fees dueto cancellation forspecified reasons.57Cover for businessequipment, loss ortheft of businessmoney.316Cover WhileCruisingUnlimitedMedical andEvacuation * Various otherlimits applyUnlimitedMedical andEvacuation * Various otherlimits applyUnlimitedMedical andEvacuation * Various otherlimits applyLimited vent 317WinterSportsCoverUnlimitedMedical andEvacuation *Various otherlimits applyUnlimitedMedical andEvacuation *Various otherlimits applyUnlimitedMedical andEvacuation *Various otherlimits apply18Search AndRescueExpensesCover 120,000 intotal* 120,000 intotal* 120,000 intotal*19AdventureActivitiesCoverStandardcovers asshown onScheduleStandardcovers asshown onScheduleStandardcovers asshown onSchedule20Golf CoverVarious limitsapply*21BusinessCoverVarious limitsapply*Various limits Various limitsapply*apply*Various limits Various limitsapply*apply*Limited perevent 3ChosenExcessappliesper event3ChosenExcessappliesperevent 3ChosenExcessappliesper event3ChosenExcessappliesper eventPlease refer to Policy Section for a full description of the cover limits, terms, conditions and exclusions.*Sub Limits apply, please refer to the Policy Section for individual Sub Limits. limited for 12 months Note the Excess is not applied to medical claims08TravelCard Leisure International Travel InsuranceDescription

Who Can Purchase This Policy?Plan TypesOur insurance is available to travellers who:Every Journey and who You travel with may bediff

Mar 01, 2020 · travel insurance Policy for Your upcoming trip. We believe travel insurance can be better, giving You immediate help and letting You get back to enjoying Your holiday. That is why We had the idea o