Travel Insurance
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You are covered up to the maximum number of days stated during any one annual period when You are travelling to and from Your Country of Study. The same exclusions apply to the healthcare benefits when you are travelling as apply when You are in Your Country of Study.

In the event of illness or injury sustained by You, and happening during the period of cover, We will pay benefits for:

(i) Emergency medical and dental treatment in accordance with terms and benefits of Section 1.

(ii) Medical evacuation in accordance with Section 2.

(iii) Loss of or damage to luggage owned by You, which is taken or purchased on the trip (including clothing and personal effects work or carried on the person, trunks, suitcases and similar containers).

(iv) Delayed luggage - if when travelling You are deprived of Your luggage for at least 12 hours after You arrive at Your outward destination (other than Your final destination to Your country of residence).

(v) We will pay or reimburse You for the loss of deposits paid if Your trip is necessarily and unavoidably cancelled due to unforeseeable causes, or if You have to curtail Your trip on the written advice of a physician due to illness or bodily injury.

(vi) If Your travel is delayed for at least 12 consecutive hours.

(vii) If You miss Your pre-booked trip as a result of failure by public transport to reach Your destination in time.

WE WILL NOT PAY FOR

(i) Healthcare benefits in relation to a particular trip if any of the following apply:

a) If at the time of the trip You are receiving or on a waiting list for inpatient or daycare treatment in a hospital

b) If You are 28 weeks or more pregnant

c) You are travelling against the advice of a medical practitioner or for the purposes of obtaining medical treatment abroad

d) You are aware that You have a terminal illness

e) You are aware of any reason, circumstance of cause that could lead to the cancellation or curtailment of a cover trip when booking.

(ii) All claims arising from travel to and/or from the USA (including Hawaii).

(iii) Items that are lost or damaged while in the custody of carriers that are not reported within three days after the loss or damage to the carrier in writing, and an official loss or damage report obtained from that carrier.

(iv) Theft or suspected theft not reported to the police within 24 hours of the discovery of loss.

(v) Specific Exclusions as detailed.

(vi) General exclusions.