Cancellation and Curtailment Expenses (section 4)

Extent of Cover

If during the period of Insurance and whilst on a Journey, an Insured Person necessarily incurs reasonable additional or forfeited travel, hotel or out-of-pocket expenses as a result of the unexpected death, Serious Injury or Serious Sickness of a Close Relative, business partner or travelling companion of an Insured Person OR any other unforseen circumstances outside the control of You or the Insured Person, We will reimburse You for those expenses up to the amount shown on the Schedule against Section 4.

DEFINITIONS UNDER SECTION 4

ADDITIONAL EXPENSES means

• all reasonable costs necessarily incurred for additional expenses or forfeited travel, hotel or out-of-pocket expenses, reasonably and necessarily incurred as a direct result of the Insured Person's Accidental Death, Injury or Sickness;
• expenses relating to the evacuation of the Insured Person as a direct result of their Injury or Sickness, including necessary expenses incurred for qualified medical staff to accompany the Insured Person, provided such evacuation is recommended by a Doctor;
• reasonable travel and accommodation expenses of two Close Relatives or travelling companions of the Insured Person who, as a result of the Insured Person's Injury and sickness, are required to travel to or remain with the Insured Person on written medical advice;
• all expenses incurred in repatriating the Insured Person to the most suitable hospital or to the Insured Person's home address in Australia or elsewhere provided such repatriation is as a direct result of their Accidental Death, Injury or Sickness and is necessary on medical advice;
• reasonable funeral expenses incurred for the burial or cremation of the Insured Person or costs (exluding funeral and interment costs) incurred in transporting the Insured Person's body or ashes and personal effects back to a place nominated by the legal representative of the Insured Person's estate, as a direct result of the Insured Person's Accidental Death;

EXCLUSIONS UNDER SECTION 4

We shall not be liable for any expenses:

• incurred where a Journey is undertaken against the advice of a Doctor or when the Insured Person is unfit to travel or if the purpose of the Journey is for the Insured Person to seek medical attention.
• incurred after the period of twelve (12) months from the date the Insured Person sustains an Accidental Death or suffers an Injury or Sickness.
• incurred as a consequence of a condition wholly or partly caused by childbirth, pregnancy, or the complications thereof. Notwithstanding General Exclusion 6, this Exclusion does not apply to pregnancies which are not in excess of twenty-six (26) weeks or to an Insured Person who sustains an Injury or Sickness which necessitates medical treatment of any kind not given as part of a routine treatment for a pregnancy or confinement
• incurred as a result of the rendering in Australia of a professional service for which a Medicare benefit is or would be payable in accordance with the Health Insurance Act 1973.
• recoverable by You and/or the Insured Person from any other source.
• incurred for any medication for a condition which commenced prior to the commencement of a Journey and which such medication the Insured Person has been advised to continue during travel
• incurred for routine medical, optical or dental treatment or consultation.
• arising directly or indirectly out of:-
• cancellation, curtailment or diversion of scheduled public transport services, including by reason of strikes or other industrial action, if there had been warning before the date of the Journey was booked that such events were likely to occur carrier caused delays where the expenses are recoverable from the carrier.
• any business or financial or contractual obligations of You, the Insured Person or any other person.
• disinclination on the part of the Insured Person or any other person to travel.
• the inability of any tour operator or wholesaler to complete arrangements for any Journey or tour due to a deficiency in the required number of persons to commence any Journey or tour.
• the refusal, failure or inability of any person, company or organisation, including but not limited to any airline, other transportation provider, hotel, car rental agency, tour or cruise operator, travel wholesaler, booking agent or other provider of travel or tourism related services, facilities or accommodation, by reason of their own financial default or the financial default of any person, company or organisation with whom or with which they deal.