You should set your return date as the date you arrive back your home address.

There is no cover for claims arising from a pre-existing medical condition (defined on pages 63-64 of the Holiday Travel Insurance PDS and pages 66-67 of the Annual Mult-Trip Travel Insurance PDS) unless:

• the pre-existing medical condition meets the criteria under the Tier 1 category (pages 12-13 of the Holiday Travel Insurance PDS and pages 10-11 of the Annual Multi-Trip Travel Insurance PDS) which are automatically covered; or
• when you applied for your policy, you disclosed any pre-existing medical condition you wish to be covered for by providing the information requested by us for the condition at the time of your application, and we have agreed and endorsed your policy separately in writing to specify each pre-existing medical condition that we have agreed to cover.

Cover for the pre-existing medical conditions(s) will only apply after you have paid any additional premium that we require.

A pre-existing medical condition is one that you’ve had investigated, treated, received medical advice for or taken prescribed drugs for. Read on for further information to help understand if your particular condition is considered pre-existing under your GIO travel insurance policy (please read the PDS for full terms and conditions).

We insure travellers of all ages, however the policy holder must be aged 18 years or older. If you are under 18, please contact our specialist centre on 1800 205 445 to discuss your options.