Areas of travel

We need you to tell us the destination(s) your customer is travelling to. Select from the list of countries and areas when you get a quote. Where they travel will influence their premium.

Guide to entering/selecting destination

• Enter or select every country they will be travelling to wherever possible.
• For each country selected, cover for travel to all other countries within that region is also included regardless of whether the countries are selected or not.

Stopping over somewhere?

• If they are stopping in a country for less than 72 hours, you do not need to enter or select that country.

What to do if you/they do not know every single country they will be travelling to

• If you are not sure of all the destinations, select a region instead – cover then applies for travel to all countries within that region. You can also select Worldwide.
• If they are travelling inbound to Australia, you can only select Inbound, Single Trip option.

What about a cruise?

• In Australia (e.g. on the Murray River) or in Australian coastal waters (e.g. a Kimberley Cruise) – Please choose or enter “Australia” for a Domestic policy*
• From a port in Australia to another port or ports in Australia without any stopover at a port outside of Australia (e.g. a ‘Sampler Cruise’, a cruise from Sydney to Brisbane) - these cruises go outside of Australian Coastal Waters – Please choose or enter “Domestic Cruising” for an International policy.

Overseas (e.g. a European river cruise, Caribbean cruise or a cruise from Hong Kong to Sydney) or from a port in Australia to another port or ports outside Australia (e.g. Sydney/Singapore) – Please choose or enter the main area or destination/country based on where they will spend the most time on their trip for an International policy.

*If your customer is going on a cruise which is only in Australian waters or calling into ports in Australia, they may still require a policy which includes medical cover whilst they are on board the ship (they should check with the cruise provider) as the medical providers may not be registered with Medicare. Therefore, you may need to select “Domestic Cruise” as the Area of Travel. By selecting “Domestic Cruise” your customer will be offered the international policy options and benefits. An international policy includes a medical and evacuation benefit while at sea but not if they go to a medical provider while in port in Australia.