| When | We |
| You need Medical help for sudden illness or injury. | Cover emergency overseas medical treatment including treatment in a clinic or hospital, plus medicines and physiotherapy as prescribed by your treating Doctor to get you well and keep you travelling. |
| You need emergency medical evacuation for Sudden Illness or injury. | Cover your transport to the nearest, appropriate medical facility, which also includes your medical repatriation for further treatment at home. Plus it includes, reasonable additional travel and accommodation expenses for a friend or relative to accompany you while you're in hospital and/or during repatriation. |
| You have to cancel your trip due to unforeseeable events outside of your control. | Covers the costs to cancel all or part of your trip including other pre-booked expenses in specific circumstances including a sudden illness or serious injury or natural disasters. |
| Your gear is stolen or damaged whilst travelling. | Cover theft or accidental damage of your gear such as iPads, laptops and digital cameras in specific incidents up to individual item limits. |
