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. Complete a Travel Notification Template (available from our webpage)2. Send to UQ Abroad3. Receive a Travel Notification Number

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 AM I COVERED?

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.

• or an insurer of your choice.

Use of ACE Ina-Suitcase is between you and ACE, and in no way associated with the University.

Online Quote / Apply

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.

Please visit the Smart Traveller website to access the latest overseas travel advice – www.smartraveller.gov.au

TRAVEL ADVISORIES

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 CONDITIONSIf 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 pre-existing 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.

Click onInsurance

INSURANCE WEBPAGE www.fbs.uq.edu.au/insurance

Click onStudent Travel

Insurance

INSURANCE WEBPAGE (CONT’D)

Student Travel

Insurance Summary

INSURANCE WEBPAGE (CONT’D)

CERTIFICATES OF CURRENCY

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.

• 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).

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. Fill in a Travel Claim Form (available on Insurance Office webpage)

2. Add supporting documentation (e.g. doctor’s report, police report, receipts etc)

3. Email the travel claim paperwork to insurance@uq.edu.au

4. 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

Subject to the TERMS, CONDITIONS AND EXCLUSIONS of the policy.

Fall and subsequent seizure requiring medical evacuation back to Australia

Backpack containing laptop

and phone wrenched from

student’s shoulder by thief

Passport stolen from locked dorm room

Brok

en a

rm w

hile

ski

ing

Broken collarbone playing volleyball

(non-professional)

Missed connecting flight due to prior flight being delayed

Chest infection develops overseas, requiring a Doctors appointment and antibiotics

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 1BACKGROUND• 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.

STOLEN PASSPORT

Please note that the photo is only a representation for display purposes only and is not the actual person

REAL CASE FILE

• 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.

CASE STUDY 1 STOLEN PASSPORT

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

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…

REAL CASE FILE

• 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

CASE STUDY 2 AN UNUSUAL INCIDENT…

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

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

CASE STUDY 3CULTURAL DIFFERENCES

REAL CASE FILE

Please note that the photo is only a representation for display purposes only and is not the actual person

• 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

CASE STUDY 3CULTURAL DIFFERENCES

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

• 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.

WHO’S WHO

QUESTIONS?

DISCLAIMERThis summary has been prepared for general reference only. Nothing contained herein prevails over the TERMS, CONDITIONS AND EXCLUSIONS of the policy.

We’re here to help you! Please contact us with any questions:Email: insurance@uq.edu.au Phone: 07 3365 3075Visit our website: www.fbs.uq.edu.au/insurance

Amanda Dellit Annette Russell(Mon & Tues)