Frequently asked questions about CGU Travel Insurance
Q1. What is included under CGU Travel Insurance covers?
Some of the key inclusions under CGU Travel Insurance are:
- Overseas medical, dental and additional medical expenses
- Luggage and travel documents
- Emergency purchases for lost or delayed luggage
- Cancellations, delays and rescheduled travel cover
- Returning you to Australia if medically required
- Video cameras, cameras, portable electronic equipment
- Return of hired car and excess waiver
- Loss of income if you are unable to return to work once you get back to Australia
Q2. Are pre-existing medical conditions covered under CGU Travel Insurance?
CGU Travel Insurance provides cover for certain pre-existing medical conditions automatically. Some of the conditions, which will be covered provided they are stable and you or anyone else to be covered are not waiting for treatment, results of medical tests or investigations in relation to any of these conditions are, asthma, cataracts, diabetes, epilepsy, gout, hypertension and pregnancy up to and including 24 weeks as long as no complications exist and the conception was not medically assisted. But in case you do have a pre-existing condition, it’s always advisable to read the policy document carefully to understand any specific exclusions or other terms and conditions that could be related to your illness or condition.
Q3. What if I have a medical condition that is not automatically covered under CGU Travel Insurance?
You can add extra cover for a pre-existing medical condition that is not automatically covered under your travel insurance plan. To apply for this option, you will first need to contact CGU for a medical assessment. If your cover is approved, your approval number will need to be listed on your Certificate of Insurance and you will need to pay any additional premium that the insurance provider asks for. Don’t forget that you cannot declare and apply for pre-existing condition cover after you have departed on your journey.
Q4. What do I do if there is an emergency during my trip?
CGU Travel Insurance is all about keeping you protected while you’re away from home. So if you’re stuck in an emergency while travelling, you can seek support from anywhere in the world through their 24-hour Worldwide Emergency Hotline. The multilingual staff will help you manage any problems or emergencies.
Q5. Is it possible to cancel my CGU Travel Insurance policy?
With CGU Travel Insurance, you’ll have a cooling off period of 21 days from the date that your insurance was confirmed. During this time, if you can cancel your CGU policy you will be eligible to get a full refund of your premium. However, cooling off rights do not apply if you have already started your journey or if you’ve already made a claim.
Exclusions to look out for in CGU Travel Insurance
Even after you’ve read the travel insurance policy features, always remember to carefully comb through the Product Disclosure Statement (PDS) to look for fine print that could be important while filing a claim. Here’s a quick checklist of general exclusions with CGU Travel Insurance policy. A claim could be rejected if it is caused by:
- Any incident that does not occur during the period of insurance
- Any accident, illness or disease if you are 70 years of age or over and have purchased a Super Plus, Super, Standard or Economy Plan (unless you have applied for and CGU has agreed to cover you for medical and dental cover)
- pregnancy or childbirth, involving you or any other person, after the end of the 24th week of pregnancy
- Any act of violence or intentional damage by you
- Any sporting activity you play for which you receive financial reward or benefits from participating in that activity, regardless of whether or not you are a professional sports person
- Breach of any government prohibition or regulation, including the failure to obtain a visa, work permit or passport when you are required to do so
- War or warlike activities, invasion, acts of foreign enemies, civil war, revolution, insurrection or act of a military power
- Travel booked or undertaken against the advice of a doctor or after a terminal illness had been diagnosed
- Nervousness, anxiety, depression or stress-related disorders that results in a disinclination to travel
- The failure of any travel agent, tour operator, accommodation provider, airline or other carrier, car rental agency or any other travel or tourism service provider to provide services or accommodation due to their insolvency, or the financial insolvency of any person, company or organisation they deal with
How to make a successful claim with CGU Travel Insurance
Making a claim with CGU Travel Insurance is quite an easy process. You’ll need to submit the completed claim form within 30 days of completing your journey. You’ll also need to attach the following documents along with the form before submitting it:
- For medical or dental expenses. Written confirmation of your illness or injury from a qualified member of the medical or dental profession
- For loss or theft of luggage items. A copy of the report you lodged with the Police or other appropriate authority from where the loss or theft was reported, along with evidence of ownership, such as original receipts or operating manuals
- For delay of luggage. Written advice from your transport provider of the amount of compensation you are entitled to claim for the delay
- For cancellation or rescheduling expenses. Original receipts, tickets, or a letter from the travel agent showing any charges to re-arrange or cancel your journey, or a doctor’s certificate or letter from the carrier
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