Please refer to your policy schedule to see which territorial limits you're covered to travel within, and check the list below to see which countries are included.

Domestic

Policy covers travel within Australia only (includes Lord Howe Island).

Excluded: There is no cover under this insurance for countries/regions to which the Australia Department of Foreign Affairs and Trade advises 'Do not travel' (even if they are listed here). For full details refer to their web site.


South Pacific

Policy covers international trips to certain South Pacific countries as detailed below.

SOUTH PACIFIC: Bali, Cook Islands, Fiji, New Caledonia, New Zealand, Norfolk Island, Papua New Guinea, Samoa, Solomon Islands, Tonga, Vanuatu.

Excluded: There is no cover under this insurance for countries/regions to which the Australia Department of Foreign Affairs and Trade advises 'Do not travel' (even if they are listed here). For full details refer to their web site.


Asia

Policy covers international trips to certain Asia and South Pacific countries as detailed below.

ASIA: American Samoa, Bangladesh, Bhutan, Brunei Darussalam, Burma, Cambodia, China, Christmas Island, Cocos Islands, Easter Island, East Timor, French Polynesia, Guam, Hong Kong, India, Indonesia, Japan, Jarvis Island, Johnston Atoll, Kazakhstan, Kingman Reef, Kiribati, Kyrgyzstan, Laos, Malaysia, Maldives, Marshall Islands, Micronesia, Federated States of, Midway Islands, Mongolia, Myanmar, Nauru, Nepal, Niue, North Korea, Northern Mariana Islands, Pakistan, Palau, Palmyra Atoll, Philippines, Pitcairn Islands, Saipan, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, Tokelau, Turkmenistan, Tuvalu, Uzbekistan, Vietnam, Wake Island, Wallis and Futuna.

SOUTH PACIFIC: Bali, Cook Islands, Fiji, New Caledonia, New Zealand, Norfolk Island, Papua New Guinea, Samoa, Solomon Islands, Tonga, Vanuatu.

Excluded: There is no cover under this insurance for countries/regions to which the Australia Department of Foreign Affairs and Trade advises 'Do not travel' (even if they are listed here). For full details refer to their web site.


Europe

Policy covers international trips to certain Europe, Asia and South Pacific countries as detailed below.


EUROPE: Albania, Andorra, Austria, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Faroe Isles, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Isle of Man, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Sardinia, Serbia and Montenegro (Yugoslavia), Slovakia, Slovenia, Spain, Sweden, Switzerland, The Azores, Tunisia, Turkey, Ukraine, United Kingdom, Vatican City.

ASIA: American Samoa, Bangladesh, Bhutan, Brunei Darussalam, Burma, Cambodia, China, Christmas Island, Cocos Islands, Cook Islands, Easter Island, East Timor, French Polynesia, Guam, Hong Kong, India, Indonesia, Japan, Jarvis Island, Johnston Atoll, Kazakhstan, Kingman Reef, Kiribati, Kyrgyzstan, Laos, Malaysia, Maldives, Marshall Islands, Micronesia; Federated States of, Midway Islands, Mongolia, Myanmar, Nauru, Nepal, Niue, North Korea, Northern Mariana Islands, Pakistan, Palau, Palmyra Atoll, Philippines, Pitcairn Islands, Saipan, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, Tokelau, Turkmenistan, Tuvalu, Uzbekistan, Vietnam, Wake Island, Wallis and Futuna.

SOUTH PACIFIC: Bali, Cook Islands, Fiji, New Caledonia, New Zealand, Norfolk Island, Papua New Guinea, Samoa, Solomon Islands, Tonga, Vanuatu.

Excluded: There is no cover under this insurance for countries/regions to which the Australia Department of Foreign Affairs and Trade advises 'Do not travel' (even if they are listed here). For full details refer to their web site


Worldwide Excluding USA and Canada

Policy covers international trips to all countries Worldwide except USA and Canada (for those countries you will require the Worldwide policy).

Excluded: There is no cover under this insurance for countries/regions to which the Australia Department of Foreign Affairs and Trade advises 'Do not travel' (even if they are listed here). For full details refer to their web site.


Worldwide

Policy covers international trips to all countries Worldwide.

Excluded: There is no cover under this insurance for countries/regions to which the Australia Department of Foreign Affairs and Trade advises 'Do not travel' (even if they are listed here). For full details refer to their web site.