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ABF Members’ Travel Insurance

IMPORTANT NOTICE:

**ABF MEMBERS TRAVEL INSURANCE FOR INTERNATIONAL TRAVEL IS AVAILABLE NOW .**

Click here to apply for ABF Members’ Travel insurance.

We’ll be emailing all past policyholders and posting updates to this site to ensure everyone has the opportunity to cover their travel plans.

The new Annual Multi-Trip Policy will renew on 1st March 2022.  We will remind all current and past Members as this date approaches. 

For Members who need to travel earlier, and wish to insure their trip, you can purchase a shorter term policy at discounted rates.

The 2021 ABF Travel Insurance – Australia Wide Multi-Trip Cover is effective from 1st March 2021 and the online application is available now.

ABF Travel – Australia Single Trip Insurance is also now available.

Apply online or email us to,

abf@tbib.com.au, or call us on 07 3252 5254 during business hours.

 

Annual multi-trip policy

  • Save with one premium covering all your travel for 12 months.  Premiums can be pro-rated in steps prior to the 1st March 2022 renewal date.
  • Available to members, spouses, their family and friends up to and including the age of 90
  • Covers  Australia wide travel – over 100kms from home – up to 30 days per trip .
  • Unlimited emergency assistance provided by Fullerton Health Assistance Concierge Services.
  • Up to $10,000 cover for cancellation costs and expenses per trip.
  • Up to $20,000 lost luggage cover.
  • Rental vehicle excess cover up to $5,000
  • Many pre-existing conditions automatically covered.
  • Covers snow sports (within Australia) for no additional charge.
  • All pre-existing conditions assessed and considered.
  • Completely online application including medical assessment for pre-existing medical conditions cover.
  • Competitive pricing. Check out how much it costs right now.

To read the Product Disclosure Statement click here.

Single-trip policy

The Single Trip Policy has the same generous policy benefits as the Annual Multi-trip policy but it is designed for travellers who are only planning to travel once this year or if you’re planning a trip longer than 30 days in duration.

  • Available to members, spouses, their family and friends up to and including 90 years of age.
  • Unlimited emergency assistance provided by Fullerton Health Assistance Concierge Services.
  • Up to $10,000 cover for cancellation costs and expenses per trip.
  • Up to $20,000 lost luggage cover.
  • Rental vehicle excess cover up to $5,000.
  • Covers snow sports (within Australia) for no additional charge.
  • All pre-existing conditions assessed and considered.
  • Completely online application including medical assessment for pre-existing medical conditions cover.
  • Competitive pricing. Check out how much it costs right now.

To read the Product Disclosure Statement click here.

Frequently Asked Questions

How is the Australia Only Policy Different?

The main differences are that ‘Medical Cover’ doesn’t apply within Australia and that for Australian trips the maximum trip duration is 30 days.  Medical cover doesn’t apply because of the medical expenses safety net we have through Medicare and our private health insurance.  Emergency care, including transport and accommodation are still covered under the policy.

How has Covid affected the policy?

Covid has had a dramatic and unprecedented effect on all Travel Insurance policies.  The primary outcome of this is that Travel Insurance policies will no longer cover cancellation due to a Covid outbreak, border closure or other prevention of travel.  Travel Insurance will also not pay for mandatory or voluntary quarantine expenses.

The good news is that our policy will pay for medical and emergency costs incurred if you contract Covid while on holiday and the normal policy limits will apply.

How do I make a travel insurance claim?

To make a claim on your travel insurance, download, fill in and send us a claim form, along with send us the relevant documents to support your claim (the form will tell you which supporting documents are required).

Read more about making a travel insurance claim.

We recommends that you your claim as soon as possible, ideally within 30 days of completing their trip.  The sooner you lodge your claim, the faster we can pay you any benefits you’re entitled to.

What sort of things aren’t covered under the policy?

For a full breakdown of the terms and conditions under the policy please read the Product Disclosure Statement click here. See the ‘General Exclusions’ section on page 10 of the PDS.

Following we’ve noted a few issues that we are asked about regularly.

Covid 19

Firstly, as noted above, cancellations due to Covid outbreak, lockdown or border closure aren’t covered.  Travel Insurance will also not pay for mandatory or voluntary quarantine expenses.

Pre-existing medical conditions

Many pre-existing conditions are automatically covered under the policy and others can be covered by undertaking a short, online medical screen.  If you are aware of a condition that you haven’t disclosed to us, and isn’t automatically covered under the policy then you may not be covered for claims arising from this condition.

Baggage and personal effects

While the policy includes generous provisions for the loss of baggage and personal effects, there are times when they wont be covered, specifically when they are left unattended in a publicly accessible location.  An example of this might be if you leave bags in a departure lounge when you go to get a coffee or use the bathroom, or leaving them in an unlocked vehicle or forgetting your personal effects when you exit a bus or aircraft.

Emergency evacuation or repatriation

If you need to be evacuated or repatriated, the policy will only pay for you to be repatriated to your noted country of residence or where you resided for the three months prior to your trip

Additional Expenses incurred while away

If you are in the process of claiming against your Travel Insurance while you are away, please contact us or your emergency assistance provider, Fullerton Health (+612 9312 5168) before incurring further expense where possible so that we can make sure your claim covers as much expense as possible.

Please read the Product Disclosure Statement for a full description of the coverage and exclusions under the policy.  You can find it here.  If you have any questions at all please don’t hesitate to call us during work hours on 07 3252 5254 or email us to abf@tbib.com.au.

Travel Tips & Traps

Following are some potential pitfalls – especially in view of new and varying Covid regulations – that you should be aware of before you travel.

  • Travel Documents – you must make sure that you have the relevant travel documents, including visas, permits and therapeutic use documentation for prescription medication.  You wont be covered for the cost of obtaining documents that you didn’t arrange before you departed on your trip.
  • In view of the huge variation of Covid rules and restrictions from country to country, make sure that you are eligible to travel to your desired destinations. While your travel agent might be able to offer advice to this end, it’s ultimately the responsibility of the traveller. Check the Department of Foreign Affairs and Trade website and go from there.
  • While not specifically Covid related, check your eligibility to do things like driving in other countries.  Take note of their blood alcohol level allowances too.  Travel insurance wont pay if you’re breaking the law.

Apply online - no doctors’ reports - immediate cover

The TBIB ABF Travel Insurance Policy provides a completely online application,

Applicants can get a quote and arrange cover in minutes.

Pre-existing conditions can be covered subject to a brief online assessment. There is no requirement for medicals or doctors reports.

Pre-existing Medical Conditions

The TBIB ABF Members Travel Insurance Policy has been prepared for the ABF to uniquely serve ABF Members’ particular needs and to provide a broader range of covers than traditional policies that may be available through travel agencies or credit card providers.

A major benefit of the ABF Travel Insurance Policy is the ability for Members to obtain coverage relating to their pre-existing medical conditions. The definition of ‘pre-existing medical conditions’ as it applies to the ABF Members’ Travel Insurance Policy is explained in the Product Disclosure Statement (PDS), and we have summarised this below.

The ABF Members’ Travel Insurance Policy PDS states that a Pre-existing Medical Condition means a medical or dental condition of which you were aware:

  1. Prior to the time of the policy being issued:
    • you have not yet sought a medical opinion regarding the cause; or
    • are currently under investigation to define a diagnosis; or
    • are awaiting specialist opinion, OR,
  2. Prior to the time of the policy being issued that involves:
    • surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay in hospital
    • your heart, brain, circulatory system/blood vessels; or
    • your lung or chronic airways disease; or
    • cancer; or
    • back pain requiring prescribed pain relief medication; or
    • diabetes mellitus (Type 1 or Type 2); OR,
  3. In the 24 months prior to the time of the policy being issued:
    • for which you have been in hospital or emergency department or day surgery; or
    • for which you have been prescribed a new medication or had a change to your medication regime; or
    • requiring prescription pain relief medication; OR,
  4. Prior to the time of the policy being issued that is:
    • pregnancy; or
    • connected with your current pregnancy or participation in an IVF program.

The TBIB ABF Members Travel Insurance Policy allows you to apply for cover for pre-existing medical conditions or to exclude them for a premium saving.

We will always recommend that if available, you include cover for your declared pre-existing conditions.

If you have any questions in relation to this, please don’t hesitate to contact us.

Ph: 07 3252 5254
Email: abf@tbib.com.au

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