The start date and end date of the policy should correspond with the dates of travel. Cancellation cover will become effective the date the premium is paid, and the policy is issued.

An Annual policy should start when a holiday is booked (and not the start date of the first trip) so that the pre-travel cancellation cover is in force, as detailed in section A1 of the policy wording. Annual policies will terminate on the expiry date as shown on your certificate if insurance.

The cover relating to Cancellation, as described under section A within the pre-travel policy, starts from the commencement date of cover shown on your insurance certificate, (this will be the Issue Date of your Single Trip or Longstay Policy, but will be your chosen start date for an Annual Policy. Remember, you may require Cancellation Cover prior to your trip departure date.

Individual Each person shown on the policy schedule, for whom the appropriate insurance premium has been paid.

Couple Two adults who have been permanently living together at the same address for more than six months. Each adult can travel independently.

Family Two adults and all of their children (including foster children) aged under 18, if in full time education. All persons must live at the same address. Each adult can travel independently, however, all insured children must travel with at least one of the insured adults.

Single parent family One adult and all of their children (including foster children) aged under 18, if in full time education. All persons must live at the same address. The adult can travel independently, however, all insured children must travel with the insured adult.

Winter Sports If you are going on a winter sports holiday and need cover for skiing or snowboarding, make sure you add winter sports cover. Remember it's important to check the policy covers the activities you are participating in.

Cruise If you are embarking on a cruise and need the added benefits of missed port departure and cabin confinement, this policy may be the ideal choice for you.

Golf Golf cover provides protection for your golf equipment, if it is lost, stolen or damaged. Cover also available if you are unable to play due to adverse weather conditions. You are covered if your golf equipment is delayed by 12 hours. Please see the Policy Wording for full details of cover. Add golf cover by selecting this option and paying the additional premium.

Timeshare If you are unable to go on your trip or need to come home early, we will pay up to 5% of the original purchase price paid for the period of the timeshare you are unable to use, plus the management charge for this period. Please refer to the Policy Wording for cover limits and cover details.

45 Day Extension This option extends the duration of your annual trip policy to 45 days per trip.

60 Day Extension This option extends the duration of your annual trip policy to 60 days per trip

Business Add business cover to protect your business equipment if it is lost, stolen, damaged or delayed. If you are unable to fulfil your business trip, due to illness, we will cover the costs for a replacement employee to takeover. Add business cover by selecting this option and paying the additional premium.

Excess Waiver If you select Excess waiver, the excess will be reduced to Nil in the event of a claim. Note: Any excess imposed by Travel Administration Facilities following a call to the Medical Screening Line will still apply.

Double Excess By selecting this option, your premium will be reduced but should you make a claim the excess you will be required to pay will be double the standard excess.

Remove Personals By selecting this option, Section B4 Personal Possessions is not covered.

Remove Cancellation By selecting this option, Sections B1 Cancellation and B1 Curtailment are not covered.