Some words in the Product Disclosure Statement that have special meanings are defined here.

Accident: means an unexpected event caused by something external and visible.

Accompanying: means travelling with the insured person for 100% of the journey.

AICD/ICD: Means an implantable cardioverter-defibrillator (ICD) also known as an automated implantable cardioverter-defibrillator (AICD).

Allianz: means Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708.

Allianz Global Assistance: means AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631.

Appropriate supervision: means under the supervision of a person who posesses the necessary skills, qualifications and licensing appropriate for the supervision of the activity being undertaken.

Bicycle: means any bicycle, tricycle, tandem, trailer cycle or push scooter that is powered by human pedalling or and/or a battery.

Business samples: means demonstration goods or examples of goods sold by you or your company.

Carrier: means an aircraft, vehicle, train, tram, vessel or other scheduled transport operated under a licence for the purpose of transporting passengers. However, it does not mean a taxi, limousine or similar service.

Certificate of Insurance: is the document we give you which confirms that we have issued a policy to you and sets out details of your cover.

Chronic: means a persistent and lasting condition. It may have a pattern of relapse and remission.

Concealed storage compartment: means a boot, trunk, glove box, enclosed centre console, or concealed cargo area of a motor vehicle.

Cruise Vessel: means a boat or ship on which travel is taken for pleasure or as a holiday as a paying passenger, for a minimum of 3 nights in duration.

Date of issue: means the date and time of issue on your Certificate of Insurance.

Dependant: means your children or grandchildren, not in full-time employment, accompanying you on the journey and who are under the age of 25.

Depreciation: means the deduction from the original purchase price of an amount calculated to be the reduction in value because of wear and tear and/or the passing of time.

Duo: means you and your travelling companion as named on the Certificate of Insurance but does not include dependants.

Epidemic: means a sudden development and rapid spreading of a contagious disease in a region where it developed in a simply endemic state or within a previously unscathed community.

Excess: means the deduction we will make from the amount otherwise payable under your policy for each claimable incident or event.

Family: means you, your spouse or partner and your dependants.

Formal wear: means dinner suit, dress shirt, bowtie, evening gown, cocktail dress or other items of clothing which are required attire for formal dining/functions. This includes wedding attire but does not include jewellery.

Funeral expenses: means the costs charged by a funeral director for arranging your funeral service and by a cemetery for your burial or a crematorium for your cremation. It does not include the cost of memorialisation.

Home: means the place where you normally live in Australia.

Hospital: means an established hospital registered under any legislation that applies to it, that provides in-patient medical care. It does not include any institution used primarily as a nursing or convalescent home, a place of rest, a geriatric ward, a mental institution, a rehabilitation or external care facility or a place for the treatment of alcoholism, drug addiction or substance addiction.

Income: means the amount of money you earn from your employment in a trade, business, profession or occupation after the deduction of income tax.

Individual: means you only.

Injure or Injured or Injury: means bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place during your period of cover and does not result from any illness, sickness or disease.

Insolvency or insolvent: means bankruptcy, provisional liquidation, liquidation, appointment of a receiver, manager or administrator, entry into any official or unofficial scheme of arrangement, statutory protection, restructuring or composition with creditors, or the happening of anything of a similar nature under the laws of any jurisdiction.

Jewellery: means a form of personal adornment, such as brooches, rings, necklaces, earrings, and bracelets. It does not include watches or items of clothing.

Journey: means travel which begins when you leave home or your place of business to commence your travel and ends when you arrive back home or at a hospital or nursing home in Australia (if you are evacuated or repatriated), whichever is earlier.

Legal costs: means fees, costs and expenses (including any applicable taxes and charges) in connection with a legal action. It also means any costs which you are ordered to pay by a court or arbitrator (other than any fine or penalty, or aggravated, punitive, exemplary or liquidated damages) or any other costs we agree to pay.

Luggage and personal effects: means your suitcases, trunks and similar containers including their contents and articles worn or carried by you. It does not mean or include any bicycle, business samples or items that you intend to trade, valuables, snow sport equipment, passport or travel documents, cash, bank notes, currency notes, cheques, negotiable instruments, electronic data, software, intangible asset, watercraft of any type (other than surfboards), furniture, furnishings, household appliances, hired items or any other item listed as excluded on your Certificate of Insurance.

Maximum journey period: means the maximum period for any one journey under the Multi-Trip Plan as shown on your Certificate of Insurance.

Medical Adviser: means a doctor (including a clinical psychologist) or dentist qualified to diagnose the condition or disorder, holding the necessary current certification in the country in which they are currently practising, and who is not you or your travelling companion, or a relative or employee of you or your travelling companion.

Mental illness: means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders.

Moped or scooter: means any two-wheeled or three-wheeled motor vehicle with an engine displacement of not greater than 50cc.

Motorcycle: means any two-wheeled or three-wheeled motor vehicle with an engine displacement greater than 50cc.

Overseas: means outside of Australia and its territories.

Pandemic: means a form of an epidemic that extends throughout an entire continent, even the entire human race.

PDS: means Product Disclosure Statement.

Permanent disability: means permanent loss of all the sight in one or both eyes,or the use of a hand at or above the wrist or a foot at or above the ankle.

Policy: means this PDS, the Certificate of Insurance and any written document we tell you forms part of your policy.

Pre-existing Medical Condition: means a medical condition of which you were, or a reasonable person in your circumstances should have been, aware:

1. prior to the time of the policy being issued that involves:

a] your heart, brain, circulatory system/blood vessels; or

b] your lung or chronic airways disease; or

c]cancer; or

d] back pain requiring prescribed pain relief medication; or

e] surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay in hospital; or

f] Diabetes Mellitus (Type 1 or Type 2); OR

2. in the 2 years prior to the time of the policy being issued:

a] for which you have been in hospital or emergency department or day surgery; or

b] for which you have been prescribed a new medication or had a change to your medication regime; or

c] requiring prescription pain relief medication.

3. prior to the time of the policy being issued that is:

a] pregnancy; or

b] connected with your current pregnancy or participation in an IVF program; OR

4. for which, prior to the time of the policy being issued:

a] you have not yet sought a medical opinion regarding the cause; or

b] you are currently under investigation to define a diagnosis; or

c] you are awaiting specialist opinion.

For the purposes of this clause, “medical condition” includes a dental condition.This definition applies to you, your travelling companion, a relative or any other person.

Professional Sport: means training for, coaching or competing in any sporting event where you are entitled to receive, or are eligible to receive, an appearance fee, wage, salary or prize money in excess of $1,000.

Public place: means any place that the public has access to, including but not limited to planes, trains, cruise ships, taxis, buses, air or bus terminals, stations, wharves, streets, shops, museums, galleries, hotels, hotel foyers and grounds, beaches, restaurants, private car parks, public toilets and general access areas.

Quad bike: means a motorised vehicle designed to travel on four or more wheels, having a seat straddled by the operator and handlebars for steering control.

Reasonable: means

  • for medical, hospital or dental expenses, the standard level of care given in the country you are in not exceeding the level you would normally receive in Australia; or
  • for other expenses, such as unexpected additional travel and accommodation expenses, a level comparable to those you have booked for the rest of your journey or, as determined by us; or
  • as determined by Allianz Global Assistance having regard to the circumstances.

Reciprocal Health Care Agreement: means an agreement between the Government of Australia and the government of another country where Residents of Australia are provided with subsidised essential medical treatment. ( Please visit for details of Reciprocal Health Care Agreements with Australia.)

Redundant or redundancy: means loss of permanent paid full time employment (except voluntary redundancy), after a continuous working period of two years with the same employer.

Relative: means grandparent, parent, parent-in-law, step parent, step parent-in-law, sister, step sister, sister-in-law, brother, step brother, brother-in-law, spouse, partner, fiancé(e), son, son-in-law, daughter, daughter-in-law, step child, foster child, grandchild or guardian.

Rental vehicle: means a campervan/motorhome that does not exceed 4.5 tonnes, a sedan, coupe, hatchback, station-wagon, SUV, four wheel drive or mini bus/people mover rented from a licensed motor vehicle rental company or agency.

Resident of Australia: means someone who usually resides in Australia and is eligible for an Australian Medicare Card.

Sick or sickness: means a medical condition (including a mental illness), not being an injury, the symptoms of which first occur or manifest after the date of issue.

Single: means you and your dependants who are accompanying you on the journey.

Snow sport activities: means amateur skiing, snowboarding, sledding, toboganning, or tubing conducted on groomed ski slopes within ski resort boundaries that does not include any form of racing, acrobatics, jumping, stunting, aerial or freestyle activities.

Snow sport equipment: means skis, poles, boots, bindings or snowboards.

Sporting equipment: means equipment needed and used to participate in a particular sport and which can be carried about with you.

Transaction card: means a debit card, credit card or travel money card.

Travelling Companion: means a person with whom you have made arrangements before your policy was issued, to travel with you for at least 75% of your journey.

Unsupervised: means leaving your luggage and personal effects:

  • with a person who is not named on your Certificate of Insurance or who is not a travelling companion or who is not a relative; or
  • with a person who is named on your Certificate of Insurance or who is a travelling companion or who is a relative but who fails to keep your luggage and personal effects under close supervision; or
  • where they can be taken without your knowledge; or
  • at such a distance from you that you are unable to prevent them being taken; and

includes forgetting or misplacing items of your luggage and personal effects, leaving them behind or walking away from them.

Valuables: means jewellery, antiques, curios or works of art, watches, precious metals or semi precious stones/precious stones and items made of or containing precious metals or semi precious stones/precious stones, furs, binoculars, telescopes, any kind of photographic, audio, video, computer, television, fax and phone equipment (including mobile phones), tablets, MP3/4 players and PDAs.

We, our, us: means Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708.

You, your and insured person: means each person named on the Certificate of Insurance except in the definition of pre-existing medical condition where you and your mean you, any relative, travelling companion or any other person.