CREDIT CARD TRAVEL INSURANCE HAS CHANGED

The travel insurance on your credit card may not be what it was. Some banks have removed cover altogether, it was. Some banks have removed cover altogether, while others have cut benefits or added new activation while others have cut benefits or added new activation rules. Use this checklist to find out where you stand. rules. Use this checklist to find out where

CREDIT CARD TRAVEL INSURANCE HAS CHANGED:

HAVE YOU CHECKED YOURS?

  • What do you need to do to activiate the cover?

  • Do you need to pay for part of your trip with the card?

  • Is registration or a Certificate of Insurance required?

IS YOUR COVER ACTIVIATED?

  • Medical expenses and evacuation

  • Cancellations, delays and missed connections

  • Luggage and personal belongings

  • Rental vehicle excess and planned activities

  • Are the benefit limits enough for your trip?

  • What item limits apply?

  • What excess applies to each claim?

  • Are your spouse or dependants covered?

  • Are there age limits or restrictions?

  • Is there a maximum trip length?

WHO IS COVERED?

WHAT'S ACTUALLY COVERED?

HOW MUCH COVER DO YOU HAVE?

Even if your card still includes travel insurance, the benefits, limits or activation rules may have changed. The card that covered you last year may not cover you the same way this year. Use this checklist to spot the gaps.

BEFOR YOU RELY ON YOUR COVER:

MAKE SURE IT SUITS YOUR TRIP

  • Are cruise, snow, adventure or water activities included?

  • Does the cover suit one-way or multi-stop travel?

  • Have you checked the latest Smartraveller advice?

DOES IT COVER YOUR TRIP?

  • Who do you contact if you need help overseas?

  • How do you make a claim?

  • What documents or evidence may be needed?

  • I know how my covere is activated.

  • I know who is covered.

  • I know the maximum trip duration.

  • I have checked the benefits, limits and exclusions.

  • I have checked my medical circumstances.

  • Are pre-existing medical conditions covered?

  • Do any conditions need to be declared or assessed?

  • Is 24/7 emergency assistance available?

MEDICAL CONDITIONS

IF SOMETHING GOES WRONG

FINAL SELF-CHECK

Can you answer YES to these questions?

  • I have checked my planned activities are covered.

  • I know what excess applies.

  • I know wh oto contact in an emergency.

  • I have checked the latest Smartraveller advice.

  • I have read the currenty PDS or policy wording.

Go Insurance is a registered trading name of Go Unlimited Pty Ltd (ABN 74 149 217 925), AFS Licence No. 404782, of PO Box 5964, Brendale, Queensland, 4500. Travel Insurance is underwritten by Certain Underwriters at Lloyd's led by Brit Insurance, Syndicate BRT2987, or by Certain Underwriters at Lloyd's led by Lloyd's Syndicate 1686, managed by AXIS Managing Agency Ltd; the underwriter for each product is set out in the relevant PDS. General information only, not personal advice. Read the PDS (which includes our FSG) at goinsurance.com.au/pds/ before deciding whether a Go policy is right for you.