Backpacker insurance is the coverage for those going travelling. However when you decide you now not fancy a visit to the Canary Islands because you would reasonably go to the Maldives, otherwise you want to return to the UK since you forgot to put EastEnders on series file, your claim will in all probability be rejected.
Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN fifty two 097 227 177 AFS Licence No. 245631, buying and selling as Allianz International Assistance (AGA) as agent of the insurer Allianz Australia Insurance coverage Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz).
Your policy could include cancellation cover ought to it’s a must to cancel your plans earlier than you’ve gotten even flown away, medical prices if you happen to had been to fall ill or be hospitalised whereas on holiday, cover to your baggage and cash, cowl for travel delays, curtailment prices should you have to reduce your holiday short, and legal responsibility cover should you cause an accident while away.
Heart problems, diabetes, most cancers and respiratory sicknesses (akin to asthma) are among the conditions that must be declared as they might be excluded out of your policy, and not mentioning them could invalidate your cowl.
If in case you have already purchased your journey insurance coverage, then any new medical condition that arises after that date is not considered a pre-current medical condition and you wouldn’t have to pay an additional premium, topic to the terms, conditions, exclusions and limitations listed in the PDS.