Even if you re covered by these complimentary insurances it s your responsibility to take precaution

Knowing and understanding each feature in your complimentary insurance policies is important when making a claim. You ll also be able to decide whether you re sufficiently covered. Read on to find out how these policies work and how you can lodge a claim.
If you re travelling internationally and you experience an emergency while travelling, you can contact Zurich orbitz travel reservations Assist directly over the phone which is located in Australia. You can use Australia Direct from a number of different countries to make reverse charge phone calls.
Even if you re covered by these complimentary insurances it s your responsibility to take precautionary measures to reduce or prevent loss of any kind. Look after your belongings and your health, and regard the warnings given by government agencies and the media.
If you re a Select orbitz travel reservations Card, Signature Card or Platinum cardholder, you qualify to receive the overseas travel insurance as long as your travel plans do not exceed six months or less and your airline ticket was acquired by one of the following means:
Your frequent flyer points were redeemed using your Citi Rewards membership program; if one month before the redemption, you transferred a minimum of 15,000 reward points from the rewards orbitz travel reservations program to the frequent flyer program
Your Qantas frequent flyer points were redeemed using your Citi Qantas Rewards membership program; if in the process of twelve months before redemption, you did a transfer of a minimum 15,000 reward points from the rewards program to the frequent flyer program
If you used your Citi Miles membership program to redeem your skywards miles and if you transferred a minimum orbitz travel reservations of 15,000 Citi Miles points from the rewards program to the Skyward frequent flyer program within a twelve month time frame before redemption.
Your frequent flyer points were redeemed using your Citi Rewards membership program; if one month before the redemption, you did a transfer of a minimum of 15,000 reward points from the rewards program to the frequent flyer program
You should be aware that under the overseas travel insurance policy, there is no cover offered orbitz travel reservations when the airline tickets have been completely orbitz travel reservations or partly acquired by the redemption of points. If you are qualified for this insurance, then your spouse and/or your dependent kids will also be qualified for this insurance before leaving Australia, if they plan to travel for no more than three successive months or six successive months or less if you are a Select Card or Platinum cardholder.
Regardless of what card you have, and how you become eligible for complimentary travel insurance, ensure you bring proof of your eligibility on your trip. If you want to make a claim it s required and can speed up the process.
If you re eligible for cover, so too is your spouse and/or dependant children, provided they re travelling with you for the whole journey and satisfy the other eligibility criteria. Your family should be travelling orbitz travel reservations with you on the whole journey. Cover is offered for up to thirty orbitz travel reservations one days if you have a one way airline ticket or if you are traveling three successive months or less on a return airline ticket for gold cards, or with a platinum card, six successive months orbitz travel reservations or less if you have a return airline ticket.
Before you travel overseas, it s your responsibility to put in an application for cover if you have any medical conditions that already exist. The number orbitz travel reservations to call for the Zurich Assist is 1800 072 791. Zurich Assist has a team of medical experts who will evaluate your medical condition. If decided cover will be issued to you, but you will be charged an administration orbitz travel reservations fee and a letter will be sent to you confirming your coverage for the journey. In the event that you do not receive cover for your pre-existing medical condition, you cannot orbitz travel reservations submit a claim if it s caused by said medical condition.
Cover begins when you embark on your journey. This would be the date that you depart from Australia and must show on your airline ticket. It also includes your direct travel from home to your departure location orbitz travel reservations airport or sea terminal.
If you experience delay upon returning to Australia due to an event that is covered by this insurance, orbitz travel reservations or due to a delay of your scheduled transference for uncontrollable reasons, orbitz travel reservations your trip will be extended automatically for one month or until your arrival in Australia, either one that takes place first.
If you re prevented from returning to Australia due to your sickness and/or injury, the policy orbitz travel reservations will pay for your medical expenses sustained while overseas after your journey ends for up to twelve months after you first suffered your injury or your sickness was initially orbitz travel reservations identified.
In specific situations, Zurich can choose to make arrangements orbitz travel reservations for you to come back to Australia orbitz travel reservations for continuous medical attention. orbitz travel reservations If you decide not to take up on the offer to return you to Australia, Zurich will chose not to pay for your incurred medical expense subsequent to the date of their conclusion.
Additionally, Zurich will provide coverage for incidentally related expenses such as phone calls from the hospital, television rental and newspapers. They offer $110 coverage per day for each uninterrupted 24-hour period that you are a hospital patient.
orbitz travel reservations There are a team of expert doctors and medical specialists available worldwide that Zurich Assist can access all day; seven days per week. If it s a necessity, the following services are also available:
Gold Card members: Unlimited cover. Incidental expenditures for hospital patients are excluded orbitz travel reservations from this, and are restricted to the amount of $110 per day, with a maximum of $5,000 for each person to a limit of $7,500 for the cardholder orbitz travel reservations who is travelling with their spouse and/or dependant children.
Cardholders of the Select Card, Signature Card and Platinum Card: Unlimited cover. This excludes incidental expenditures for hospital patients, which is restricted to $110 per day, with a maximum of $13,000 for each person or $16,500 for the cardholder who may be travelling with their spouse and/or dependant children.
If your checked-in luggage (excluding carry-on) is delayed, misallocated or misplaced by any airline carrier orbitz travel reservations for more than twelve hours, you can have your clothing and toiletries replaced if you acquire a confirmed letter from the airline carrier.
When you make a claim you have to offer proof that you own your belongings and valuables by producing a receipt or estimate. If you re unable to offer proof of your valuables, the most that Zurich will reimburse you for each article is ten percent of the limit.
Zurich will only pay $11,000 for each person for each journey, but they ll pay a maximum of $16,000 for those gold card members who are traveling with their spouse and/or dependent children with limits of:
$500 for each person and a maximum of $1,000 for a cardholder who is travelling with their spouse and/or dependant children orbitz travel reservations and this relates to things like documents for travel, banknotes, postal orders, cash, money orders, credit cards, currency notes, and traveller s cheques
The total amount these cardholders will receive in a journey will not exceed $16,000 for each person and a maximum of $32,000 for a cardholder who is travelling with their spouse and/or dependant children with limits of:
$600 for each person and a maximum of $1,100 orbitz travel reservations for a cardholder who is travelling with their spouse and/or dependant children for documents associated with travel, bank notes, postal orders, cash, money orders, credit cards and, travellers cheques
However, in spite of these limits business items are insured for a maximum of only $3,000 orbitz travel reservations and unattended property left in an automobile are insured for a value of up to $250 for each item to a full $2,500 overall.
You ll be covered for cancelling your travel plans and other associated expenses after you receive your airline ticket and up until your journey ends, where the claim is not offered elsewhere in the policy and is covered for the unforeseen events orbitz travel reservations below:
orbitz travel reservations You need related orbitz travel reservations medical attention if you have a pre-existing condition; only if Zurich have provided you with written proof of coverage for your pre-existing condition and you have made payments for the administration charges.
orbitz travel reservations If prior to leaving Australia, you re pregnant and an unforeseen medical complication occurs that prevents your travels because it would not be safe for your health or the health of the unborn child, you should receive verification in writing by a licensed medical practitioner.
These particular costs will be paid by Zurich, but they ll subtract the refundable amount of your rearranged travel plans. If you decide not to reschedule your travel plans, orbitz travel reservations they ll pay for any part of your travel plans and accommodation that was cancelled.
If you would like to submit a claim using this cover as soon as possible, you have to recuperate any refund you re eligible for and make cancellations of any other travel or accommodation plans from your original travel plans that you cannot now use.
Unlimited, excluding the travel agent s cancellation fee, which is restricted to a sum equal to the lesser of $500 or 15% of the worth of the travel planned by the agent. Additionally, coverage is provided in the event your registered travel service provider collapses financially, and this is restricted to $5,000 for each person up to an amount of $12,000 for a cardholder orbitz travel reservations who is travelling with their spouse and/or orbitz travel reservations dependant children, on condition that you have recuperated the full amount obtainable from any legal fund, compensation scheme or any supplementary orbitz travel reservations source.
Unlimited cover, excluding any cancellation fee charged by your travel agent, which is restricted to a sum equal to the lesser of $500, or 15% of the worth of the travel planned by the agent. Additionally, coverage is granted for the financial failure of a registered travel service provider and this is restricted to $5,000 for each person, up to an amount of $12,000 for a cardholder who is travelling with their spouse and