TRAVEL INSURANCE COVERAGE
Amanda Dellit
Insurance Office - University of Queensland
WHY DO I NEED INSURANCE?
• If you incur medical expenses while overseas and you don't
have travel insurance, you are personally liable for covering
these costs.
• The Government cannot pay for medical expenses overseas.
• Travel insurance is as essential as your passport, regardless of
your travel destination.
AM I ELIGIBLE?
No application needed! It’s automatic.
Automatic travel insurance coverage applies once the following
requirements are met:
•
You must be a current enrolled student at UQ; and
•
You must be on UQ authorised travel
1.
2.
3.
Complete a Travel Notification Template (available from our webpage)
Send to UQ Abroad
Receive a Travel Notification Number
WHEN AM I COVERED?
You are covered:
•
direct travel to and from Australia to your exchange location;
•
5 days at your exchange location immediately prior to your semester
or language classes (settling in period);
•
5 days at your exchange location after your semester ends (packing
up period);
•
while you’re at your exchange location;
•
if you travel further than 60km from your exchange location
AND YOU’RE NOT staying overnight.
WHEN DO I NEED MY OWN INSURANCE?
Are you planning on staying at your exchange
location for the full duration of your exchange?
You need to arrange your own travel insurance when you are:
• travelling further than 60km away from your exchange
location AND staying overnight.
WHERE CAN I GET EXTRA TRAVEL INSURANCE?
You can arrange your travel insurance through:
• ACE Ina-Suitcase:
http://inasuitcase.aceinsurance.com.au/UNIQLD/homepage.aspx
• Discounted rates, quick and easy to arrange online.
Online
Quote /
Apply
• or an insurer of your choice.
Use of ACE Ina-Suitcase is between you and ACE, and in no way associated with the University.
WHAT IF I HAVE TWO INSURANCE POLICIES?
It’s okay to have two concurrent travel insurance policies.
Which one do I make a claim through?
If you are claiming for an event that occurred during your exchange
(not private travel), then:
• You must claim from your other travel policy first.
• If there is any difference in cover, then you can advise UQ of your
other travel policy and claim the remainder through UQ’s Travel
Insurance Policy.
AM I TRAVELLING TO A SAFE COUNTRY?
Check the security situation for your destination on www.smartraveller.gov.au
•
You will need additional approval to depart from the DVC (International)
if the security situation in the intended destination is:
– Level 3 – Reconsider your need to travel; or
– Level 4 – Do not travel.
•
Notify the Insurance Office insurance@uq.edu.au if you are travelling to
Afghanistan, Chad, Chechnya, Ivory Coast, Democratic Republic of Congo, Iraq,
Israel, Somalia or Sudan.
•
If the security situation increases to Level 4 or you feel unsafe while in the
country, please contact ACE Assistance.
TRAVEL ADVISORIES
Please visit the Smart Traveller website to access the
latest overseas travel advice – www.smartraveller.gov.au
Smart Traveller includes all the latest travel warning
information as well as helpful information about dress, conduct
and laws for each country.
WHAT DO I DO IN AN EMERGENCY?
• Contact the local telephone operator and ask for a reverse
charge call to ACE Assistance on 61 2 8907 5995 .
• Quote Policy Number: 01PP529201
• Instant telephone assistance or advice is available anywhere
in the world.
01PP529201
IN THE EVENT OF AN EMERGENCY
• This service includes:
– Emergency medical advice 24 hours per day
– Evacuation or repatriation if necessary
– Liaison and case management with your hospital or
medical provider
– Assistance in replacing a lost or stolen passport
– Verification of medical insurance to medical providers
– Guaranteed payment of medical service providers
– Advice and information on the location of physicians,
hospitals, and dentists worldwide
– Repatriation of mortal remains
PRE-EXISTING MEDICAL CONDITIONS
If you have a pre-existing medical condition which is not on the list in the
Student Travel Insurance Summary, then please have your Doctor
complete a Fit to Travel Report (available from our webpage) within 30
days of your journey and email to insurance@uq.edu.au 7 days prior to
departure.
Please note that the insurer will not be liable for any expenses:
• incurred where a Journey is undertaken against the advice of a Doctor
or when the Covered Person is unfit to travel or if the purpose of the
Journey is for the Covered Person to seek medical attention for a preexisting medical condition.
• incurred for any medication or ongoing treatment for a condition
which commenced prior to the commencement of a Journey and
which such medication or treatment the Covered Person has been
advised to continue during travel.
• incurred for routine medical, optical or dental treatment or
consultation. Dental treatment is limited to emergency only and must
be certified as necessary by a Doctor or dentist.
*Subject to policy terms, conditions, exclusions and limitations as specified in the policy wordings.
INSURANCE WEBPAGE www.fbs.uq.edu.au/insurance
Click on
Insurance
INSURANCE WEBPAGE
Click on
Student
Travel
Insurance
(CONT’D)
INSURANCE WEBPAGE
Student
Travel
Insurance
Summary
(CONT’D)
CERTIFICATES OF CURRENCY
• Certificates are often
required for visas,
placements and exchange.
• Please contact
insurance@uq.edu.au to
request a certificate and
include:
– Full Name (as per passport);
– Student Number;
– Travel Notification Number;
– Why the certificate is required
(e.g. Visa for USA).
A Certificate of Currency certifies that the University has a current Travel
Insurance policy in place. It includes the traveller’s name, dates of travel
and period of coverage.
WAIVERS
•
•
•
•
Required by some exchange universities
Complete your details on the waiver form
Scan and email to insurance@uq.edu.au
A pdf copy will be emailed back to you
MAKING A CLAIM
1.
2.
3.
4.
Fill in a
Travel Claim Form
(available on Insurance
Office webpage)
Add supporting
documentation (e.g.
doctor’s report, police
report, receipts etc)
Email the travel claim
paperwork to
insurance@uq.edu.au
CSN will contact you
within 10 business
days of submitting
your claim.
WHAT AM I COVERED FOR?
These are some of the things you are covered for:
• Accidental Injury and Sickness ($50 excess)
• Medical and Additional Expenses ($100 excess)
• Cancellation and Curtailment Expenses
• Loss of Deposits
• Baggage ($250 excess)
• Electronic Equipment ($500 excess)
• Money / Travel Documents ($250 excess)
• Missed Transport Connections
• Overbooked Flights
• Evacuation
Subject to the TERMS, CONDITIONS AND EXCLUSIONS of the policy.
WHAT AM I COVERED FOR? - EXAMPLES
Backpack
containing laptop
and phone
wrenched from
student’s shoulder
by thief
Broken collarbone playing
volleyball
(non-professional)
Fall and subsequent seizure requiring medical
evacuation back to Australia
Chest infection develops
overseas, requiring a Doctors
appointment and antibiotics
Broken arm while skiing
Missed connecting flight due to prior
flight being delayed
Passport stolen from
locked dorm room
Subject to the TERMS, CONDITIONS AND EXCLUSIONS of the policy.
WHAT ISN’T COVERED?
These are some of the things you’re not covered for:
•
Illegal or criminal activity.
•
The use or effect of alcohol or drugs.
•
Medical expenses incurred in Australia, which a Medicare benefit is or
would be payable (Health Insurance Act 1973).
•
Routine medical, optical or dental treatment/consultation.
•
Any loss or damage not reported to authorities as soon as possible.
•
If you leave your electronic equipment unattended.
•
Any electronic equipment that’s not accompanied by you as personal
cabin baggage.
•
Medical and evacuation coverage is excluded if the traveller is going to
their home country.
If you change your plans or you’re disinclined to travel.
•
*Subject to policy terms, conditions, exclusions and limitations as specified in the policy wordings.
CASE STUDY 1
STOLEN PASSPORT
BACKGROUND
•
Student aged 22
•
Inexperienced traveller
•
Studying on exchange in
Germany
•
Going on fieldtrip to
France
WHAT HAPPENED…
• Student is going on a 3 day course related fieldtrip to France
leaving Saturday.
• Student’s passport is stolen on Friday.
• Student is told by French officials he cannot travel into France
without a valid passport.
Please note that the photo is only a representation for display purposes only and is not the actual person
CASE STUDY 1
STOLEN PASSPORT
• Student didn’t take a copy of his passport.
• Student notifies the Australian Embassy, who advise it could
take a minimum of 1 week to process his new passport.
• Student must now cancel his trip to France and stay in
Germany.
• He later finds out his flight and accommodation bookings
were non-refundable.
WHAT WENT WRONG…
• Didn’t take a copy of
passport
• Didn’t book
refundable tickets
(not always possible)
WHAT WORKED…
•
Advised his Home University of dates and location
of fieldtrip prior to booking flights and
accommodation
•
Notified local police and got a police report
•
Contacted the Australian Embassy and asked for
assistance
•
Notified ACE Assistance 61 2 8907 5995
•
Notified his Home University
CASE STUDY 2
AN UNUSUAL INCIDENT…
BACKGROUND
• Travelling to Denmark
for semester
• 23 year old student
• Experienced Traveller
• Fit & Well
WHAT HAPPENED?
• Student goes to the University gym after lectures
• Student uses toilets located in the gym area next to the sauna
• Door lock seizes and student is locked in toilet cubicle
• Unable to raise any assistance - no one around
• No way of escape – student becomes very anxious
Please note that the photo is only a representation for display purposes only and is not the actual person
CASE STUDY 2
AN UNUSUAL INCIDENT…
• After 2 hours with temperature increasing due to sauna
room leaking heat, student climbs up side wall and
squeezes though a gap of about 20 cm at top of wall
• Student suffers cuts and abrasions plus sprained ankle
• Student contacts ACE Assistance and is referred to doctor
and a counsellor
WHAT WENT WRONG…
• The door!
• No one would have missed
our student for possibly 24
hours as they were not due
to lectures until the next
afternoon.
WHAT WORKED…
• Student knew who to contact
immediately for assistance
• Student obtained medical
care quickly
• Student had access to
counsellors immediately
CASE STUDY 3
•
•
•
•
CULTURAL DIFFERENCES
BACKGROUND
21 year old student
New traveller with
very limited travel experience
3 week placement in India
Fit and Well
WHAT HAPPENED…
• Out with other students travelling in a tuk tuk
• Student is wearing skimpy shorts and singlet top
• Road accident happens when young driver is distracted by the female
student’s attire
• Local youth travelling on a motor cycle is decapitated in the accident
and killed
Please note that the photo is only a representation for display purposes only and is not the actual person
CASE STUDY 3
•
•
•
•
•
•
CULTURAL DIFFERENCES
Group begins to swarm around the students and situation is rapidly
becoming aggressive and anger is mounting toward the 3
Australians by the milling crowd
Quick thinking by one of the students has them leave the scene of
the accident and return to their hotel
Student contacts University
University contact ACE Assistance and a counsellor is on the phone
to student within a very short time
ACE Assistance advises University that it would be best to return
student to home or other country ASAP
Arrangements are made for her to leave the next morning
WHAT WENT WRONG…
• Student didn’t check what
was culturally appropriate
attire in India
WHAT WORKED…
• Student knew who to contact
immediately for assistance
• Student had access to
counsellors immediately
WHO’S WHO
• ACE = The University’s current Travel Insurance provider.
• ACE ASSIST = The team who will assist you in a travel emergency.
• ACE INA-SUITCASE = ACE’s private travel insurance provider.
• CSN = Corporate Services Network process travel insurance claims.
• AON = UQ’s Insurance Broker who arranges the Travel Insurance.
QUESTIONS?
We’re here to help you!
Please contact us with any questions:
Email: insurance@uq.edu.au
Phone: 07 3365 3075
Visit our website: www.fbs.uq.edu.au/insurance
Amanda Dellit
Annette Russell
(Mon & Tues)
DISCLAIMER
This summary has been prepared for general reference only.
Nothing contained herein prevails over the TERMS, CONDITIONS AND EXCLUSIONS of the policy.