Qantas (QBE) travel insurance - is there a better option?

1. You being unable to start or finish the trip because of the death, sudden serious Illness or serious Injury

arising before or during the trip of:

a. you; or

b. a member of your travelling party; or

c.o of a relative, who is a resident in Australia or New Zealand.

The following conditions apply:

a) the death has occurred or the Illness or Injury requires hospitalisation or confinement; or

b) you or a member of your travelling party are certified medically unfit to travel by a Medical

Practitioner; or

c) in the case of a Mental Illness,

i. a diagnosis has been made by a Medical Practitioner; and

ii. the diagnosed individual has been assigned a Mental Health Treatment Plan; and

iii. the Mental Illness prevents you from travelling.

2. You are unable to start or finish the trip because of the death, sudden serious Illness or serious Injury

arising before or during the trip of a business partner or co-worker. But before we will cover you, you

must provide us with proof that the business partner or co-worker’s absence due to death, sudden

serious Illness or serious Injury made the cancellation or ending of the trip necessary and you have

written confirmation of that fact from a senior representative or director of the business.

3. Cancellation or restriction of pre-paid scheduled public transport services caused by severe

weather, natural disaster, riot, strike or civil commotion. You must have done everything reasonable to

avoid the expenses. You must also get the carrier’s written confirmation of your claim.

4. Your pre-paid accommodation being destroyed or uninhabitable due to severe weather or natural

disaster and no alternative equivalent accommodation is available in the vicinity. You must have done

everything reasonable to obtain alternative accommodation. You must also have written confirmation of

your claim from an official of the hotel or government body where the incident took place.

5. A member of the travelling party being required to do jury service or being confined in compulsory quarantine.

6. You being involved in a motor vehicle, railway,air or marine accident. You must have written confirmation

of the accident from an official body where the accident happened.

7. Loss(excluding Government confiscation)of your passport, travel documents or credit cards.

8. A member of your travelling party who is a full time student being required to sit supplementary examinations.

9. A member of your travelling party being made redundant from full time usual employment in Australia.

10. The cancellation of pre-arranged leave for full time employees of the police, fire, ambulance or

emergency services.

11. Your normal place of residence in Australia being destroyed or rendered in secure due to a natural disaster.

12. The cancellation of a wedding, conference, pre-paid concert, course, tuition or sporting

event and the sole purpose of the trip is to attend that wedding,conference,

concert, ,course, tuition or sporting event.

13. A member of your travelling party being affected by any form of insolvency,

administration or bankruptcy of their employer.

14. A tour operator or wholesaler cancelling a tour because there are not enough people

to begin or complete the tour. Cover is limited to the pre-paid cost of the airline

tickets purchased to reach the departure point of the tour.