Travel Insurance Glossary of Terms

Full details are contained in the Combined Financial Services Guide and Policy Disclosure Statement (including Policy Wording), available from the policy documents page.


    means an implantable cardioverter-defibrillator (ICD), also known as an automated implantable cardioverterdefibrillator (AICD).

  • Arises or Arising

    means directly or indirectly arising or in any way connected with.

  • Carrier

    means an aircraft, vehicle, train, vessel or other public transport operated under a licence for the purpose of transporting passengers. This definition excludes taxis.

  • Dependant

    means your children or grandchildren not in full time employment who are under the age of 21 and travelling with you on the journey.

  • Epidemic

    means a sudden development and rapid spreading of a contagious disease in a region where it developed in a simply endemic state or within a previously unscathed community.

  • Excess

    means the amount which you must first pay for each claim arising from the one event before a claim can be made under your policy.

  • Family

    means you, your spouse (or legally recognised de facto) and your Dependants.

  • Home

    means the place where you normally live in Australia.

  • Hospital

    means an established hospital registered under any legislation that applies to it, that provides in-patient medical care.

  • Injure or Injured or Injury

    means bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place during your period of cover and does not result from any illness, sickness or disease.

  • Journey

    means the time from when you leave your home to go directly to the place you depart from on your travels, and ends when you return to your home.

  • Locked Storage Compartment

    means a boot, trunk, glove box, enclosed centre console, or concealed cargo area of a sedan, station wagon, hatchback, van or motorhome.

  • Luggage and Personal Effects

    means any personal items owned by you and that you take with you, or buy, on your journey and which are designed to be worn or carried about with you. This includes items of clothing, personal jewellery, photographic and video equipment or personal computers, or electrical devices or portable equipment. However, it does not mean any business samples or items that you intend to trade.

  • Medical advisor

    means a qualified doctor of medicine or dentist registered in the place where you receive the services.

  • Moped or Scooter

    means any two-wheeled or threewheeled motor vehicle with automatic transmission and an engine displacement of less than 50cc.

  • Motorcycle

    means any two-wheeled or three-wheeled motor vehicle with manual transmission, or has an engine displacement greater than 50cc (regardless of transmission type).

  • Open Water Sailing

    means sailing more than 10 nautical miles off any land mass.

  • Overseas

    means in any country other than Australia.

  • Pandemic

    means a form of an Epidemic that extends throughout an entire continent, even the entire human race.

  • Pre-existing medical condition


    1. An ongoing medical or dental condition of which you are aware, or related complication you have, or the symptoms of which you are aware;
    2. A medical or dental condition that is currently being, or has been investigated or treated by a health professional (including dentist or chiropractor) at any time, in the past, prior to travel;
    3. Any condition for which you take prescribed medicine;
    4. Any condition for which you have had surgery;
    5. Any condition for which you see a medical specialist; or
    6. Pregnancy.

    PLEASE NOTE: The above definition applies to you, your Travelling Party, a Relative or any other person.

  • Public Place

    means any place that the public has access to, including but not limited to planes, trains, cruise ships, taxis, buses, air or bus terminals, stations, wharves, streets, museums, galleries, hotels, hotel foyers and grounds, beaches, restaurants, private carparks, public toilets and general access areas.

  • Reasonable

    means, for medical or dental expenses, the standard level of care given in the country you are in OR, for other expenses, the standard level you have booked for the rest of your journey or, as determined by us.

  • Relative

    means any of the following who is under 85 years of age and who is resident in Australia or New Zealand. It means your or a member of your Travelling Party's spouse, de facto partner, parent, parent-in-law, daughter, son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, grandchild, grandparent, step-parent, step-son, step-daughter, fiancé or fiancée, or guardian.

  • Rental Vehicle

    means a rented sedan, campervan, hatchback or station-wagon, four wheel drive or mini bus/people mover rented from a licensed motor vehicle rental company.

  • Sick or Sickness

    means a medical condition, not being an injury, which first occurs during your period of cover.

  • Travelling Companion

    means a person with whom you have made arrangements to travel with you for at least 75% of your journey before you entered into your policy.

  • Travelling Party

    means those people defined in Family and any Travelling Companion who has made arrangements to accompany you for at least 75% of the Trip.

  • Unsupervised


    • leaving your luggage with a person you did not know prior to commencing your journey;
    • leaving it in a position where it can be taken without your knowledge; or
    • leaving it at such a distance from you that you are unable to prevent it being taken.

  • We, Our and Us

    means Allianz Australia Insurance Limited.

  • You and Your

    means the person(s) whose name(s) are set out in your Certificate of Insurance and everyone else who is covered under your policy.

1300 Insurance Pty Ltd ABN 50 124 845 727 AR 327609 arranges this insurance as agent and authorised representative for AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance (AGA). Travel insurance is issued and managed by AGA on behalf of the insurer, Allianz ‎Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). We do not provide any advice based on any consideration of your ‎objectives, financial situation or needs. Terms, conditions, limits and exclusions apply. Before making a decision, please consider the product disclosure statement, available here. If you purchase this insurance, we will receive a commission that is a percentage of the ‎premium. Ask us for more details before we provide you with services.