Cancellation and Trip Interruption cover, if selected, applies for cancellation or restriction by the carrier of pre-paid, scheduled public transport services, caused by severe weather or a natural disaster.

If selected, battleface provides Cancellation or Trip Interruption cover when you need to cancel or change your travel plans, due to your pre-paid accommodation having been destroyed or if it becomes uninhabitable due to severe weather or natural disaster. This is on the basis that no alternative equivalent accommodation is available nearby and you’ve done everything you can to find other accommodation. You must make a reasonable attempt to obtain evidence of the incident, such as written confirmation from an official of the hotel or government body where the incident took place.

No, cover would only apply for any illness or injury first showing after you leave Australia.

Pandemics and epidemics are excluded from cover, with the exception of COVID-19 under the prescribed conditions outlined in the PDS.

No, this product does not cover for resort closure due to COVID-19. If you are notified of a resort closure due to COVID-19, we recommend you contact the resort or your travel agent.

We’ll pay up to the amount shown in the Schedule of Benefits in the PDS for the following:

• Damaged items – we’ll repair damage where practical and economical to do so
• Stolen and lost items – we’ll replace any items available from our usual suppliers
• For items we agree we can’t repair or replace, we’ll calculate your benefit based on the depreciation table below
• In the event of loss to a pair or set of items, we’ll pay the lesser of the:
  • cost to repair or buy the individual item(s) needed to complete the set or pair; or
  • original purchase price of the set or pair (subject to depreciation).
• Up to AUD $500 for expenses incurred overseas where it’s legal and necessary to replace prescription medication damaged, stolen or accidentally lost during your trip
• The cost to replace your passport or visa if lost, stolen or damaged during your trip, including relevant travel costs up to AUD $500
• Losses from unauthorised use of your credit cards, if lost or stolen during the covered trip and you’ve met the terms of the issuing credit card company

If your carrier confirms your luggage is delayed or misplaced for a period of more than 12 hours, you can claim up to AUD $300 per insured person to buy essential items. This benefit doesn’t apply for your return journey home. No excess applies to claims under this benefit. We’ll also cover costs to ship your lost luggage and personal effects to you if recovered.

The amount we charge is the total amount of the premium and any relevant government charges. Several factors are considered in determining the amount payable. These include:

• Advance Purchase – the further in advance that you purchase the policy, the higher the premium may be
• Age – the older you are, the higher the premium is likely to be
• Duration – the longer you travel, the higher the premium is likely to be
• Destination – higher risk destinations will generally require higher premiums
• Excess – the higher the excess you choose, the lower the premium you will pay
• Optional Covers – you can choose additional cover, for example, a Cruise pack. The more covers that you choose, the higher the premium will be
• Variable Limits – you have flexibility to choose your required level of benefit on some covers. The higher the benefit that you choose, the higher the premium is likely to be

Snow Pack cover, when selected, covers equipment loss or damage for skiing and snowboarding. It extends the standard benefits of your policy to include claims which may arise when you are participating in snow sports. No cover will apply in respect of Personal Liability claims.

Equipment includes snowboards, skis, bindings, sticks/poles and boots. Snow sports equipment is covered (the maximum amount payable for each insured person is AUD $300). Hired equipment is also covered (the maximum amount payable for each insured person is AUD $300). Exclusions do apply, so please check the PDS and your Certificate of Insurance for full details.

Only if you are skiing with a qualified instructor or guide. In all other cases, skiing off-piste will not be covered.

Participation in snow sports in a professional capacity (including training or practice) or on a competitive basis are not covered.

There is strictly no cover under the terms and conditions of this policy when engaging in off-piste skiing (unless with a qualified instructor or guide), freestyle skiing, ski-jumping, snow sport acrobatics or stunts, extreme skiing/snowboarding, skeleton and luge or any variations.

There is no cover for losses incurred from any pre-existing medical condition impacting you, a member of the travelling party or a non-travelling close relative, your business partner or co-worker. This doesn’t apply to automatically covered conditions. You don’t need to disclose your pre-existing conditions to us when you buy a policy, but we may ask for relevant details of your medical history in the event of a claim.

Our definition of pre-existing medical condition is, in the 12 months before buying the policy:

• a medical or dental condition of which you’re aware, or the related complication you have, or the symptoms of which you’re aware
• a medical or dental condition currently being, or has been, investigated or treated by a medical practitioner (including dentist or chiropractor)
• any condition for which you take prescribed medicine. Doesn’t apply to common colds, flu or contraceptive medication
• any condition for which you’ve had surgery
• any condition for which you see a medical specialist

This definition applies to you, your travelling party, a close relative or any other person named on the Certificate of Insurance

We’ll pay up to AUD $2,000 per insured person for:

• the cost of essential temporary treatment for the immediate relief of pain or discomfort to sound, healthy and natural teeth; and/or
• emergency repairs to dentures and orthodontic appliances carried out solely to alleviate distress in eating

This insurance excludes certain sports and activities. Please see the PDS for the full list of excluded activities.

You can change your travel dates any time before the start of your trip and policy cancellation is free within the cooling-off period. We can offer you a full refund provided you cancel within 21 days of receiving your policy documents and before the departure date of your policy.

If you have already embarked on your trip or need to cancel after the 21-day cooling-off period, your premium will be refunded pro-rata from the date your instructions are received, provided you have not made or do not intend to make a claim.

In all cases, whether or not you cancel within the cooling-off period, we will only consider a refund if:

• You haven’t started your trip
• You haven’t made a claim
• You don’t intend to make a claim or exercise any other right under your policy

When a policy cancellation has been accepted, we will process your refund within 15 business days.

You may be able to extend your policy by contacting our team directly. Several factors may be considered including whether the original policy has lapsed. The policy automatically extends if your return is delayed by an event covered under the policy, until you are able to return to Australia by the quickest route.

You are eligible to buy if:

• You are 18 years of age or older, but not more than 99 years of age
• The date of your departure is no more than 12 months from the date of purchase
• You are an Australian resident
• You have not commenced your trip

If for any reason you cannot satisfy all these criteria, please contact us and we will do our utmost to find a product to suit your needs.