An excess is an amount which may be deducted from any claim payment we make to you. Please read the following about the types of excesses which may apply to your policy.
Every travel insurance policy has a base excess and it'll apply to all insured events causing a claim, unless we state in the Product Disclosure Statement that there is no excess payable or that other excesses apply.
When purchasing your policy you will have the option to choose your base excess amount. Varying your base excess will affect your premium in 1 of 2 ways:
- reducing the base excess will increase the premium you pay; or
- increasing the base excess will reduce the premium you pay.
If you have a pre-existing medical condition we agree to cover, it may incur a medical excess. Claims arising from your assessed medical conditions will incur your chosen medical excess instead of your chosen base excess. We’ll inform you during the medical assessment if the assessed medical conditions will incur a medical excess.
Snow and adventure packs have an additional excess of $500 per pack, which can't be changed or removed. Overseas Medical & Hospital Expenses or Cancellation claims arising from your participation in snow sport or adventure activities will incur a $500 excess in addition to your chosen base excess.