Question 1

Should my return date be the date I fly back to Australia or the date I arrive back at my home address?

Accepted Answer

When purchasing GIO Travel Insurance, you should set your return date as the date you arrive back at your home address. That way you’re covered for the entire journey, from when you leave your home in Australia to start your trip, through to you returning back to your home in Australia at the end of your trip. The dates will be shown on your insurance certificate.

Question 2

Is there an age limit for getting Travel Insurance?

Accepted Answer

No, GIO Travel Insurance does not have an age limit. However, to complete an online form you must be over the age of 18. If you are under 18, please contact our specialist centre on 1800 205 445.

Question 3

Is there a journey limit?

Accepted Answer

Yes, for Holiday Travel Insurance the maximum journey is 12 months. However, you can apply to extend it up to 6 months more. For Annual Travel Insurance, each trip can be up to 90 days.

Question 4

Should I put the age of the oldest traveller based on the day I purchase the policy or the date we depart?

Accepted Answer

It should be based on the day you purchase your policy. That’s because when you purchase a policy, part of your cover begins immediately.

Question 5

What is a pre-existing medical condition?

Accepted Answer

A “pre-existing medical condition” means:

any of the following conditions you have ever had prior to the policy issue date shown on your schedule, even if treatment is no longer being received:
- heart (cardiac) condition;
- lung or respiratory condition (other than asthma if it meets the criteria on page 40 of the PDS;
- kidney (renal) condition;
- reduced immunity;
- dementia or documented memory problems; and
- metastatic (secondary) cancer.
any medical condition or dental condition for which investigation, medical advice or any treatment has been obtained, or for which prescribed drugs have been taken, within the 90 days before the policy issue date shown on your schedule
any medical condition or dental condition that is chronic or ongoing in nature that you and/or a reasonable person in your position knew or ought to have known you were suffering or potentially suffering from prior to the policy issue date shown on your schedule. This is regardless of whether you have undergone investigation, received medical advice or treatment, or taken prescribed drugs within the 90 days before the policy issue date shown on your schedule.
The policy terms and conditions for a pre-existing medical condition:
- include any complications or treatment that are directly or indirectly attributable to it
- apply to you, the persons named as travellers on the insurance schedule, and your or their relative or business partner, or any other person known to you before we issue this policy.

Question 6

Which region do I choose?

Accepted Answer

You should select the region you are travelling to. We have 5 different regions to choose from:

Region 1 – Worldwide
Region 2 – Worldwide (excluding the USA, Canada, Japan and Africa)
Region 3 – South East Asia covering Borneo, Brunei Darussalam, Burma, Cambodia, China, Hong Kong, Korea, Laos, Macau, Malaysia, Myanmar, Philippines, Singapore, Taiwan, Thailand, Tibet, Vietnam and including Region 4 and 5 countries.
Region 4 – The South Pacific and Indonesia covering the Cook Islands, East Timor, Fiji, Indonesia (including Bali), Nauru, New Caledonia, New Zealand, Papua New Guinea, Samoa (American), Solomon Islands, Tahiti, Timor-Leste, Tonga, Vanuatu, Western Samoa and all Region 5 countries.
Region 5 – Australia (including Lord Howe Island, Thursday Island, Christmas Island, Cocos (Keeling) Islands and Coral Sea Islands Territory) only.

Note: The cover provided under “Section 2 – Overseas medical and dental expenses” of the PDS, does not apply if ‘Region 5’ is shown on your schedule because we will only pay your dental expense if they are incurred outside Australia. For example, if you are cruising from Australia to the South Pacific on a ship with on-board medical and/ or dental facilities and require cover under Section 2, then please select Region 4.

If you have selected Region 1, 2, 3 or 4, we will also cover any journey you make to any country or countries outside your selected Region, but only for a 72 hour period commencing from your arrival into the first country outside your selected Region.

Question 7

Does GIO Travel Insurance provide cover whilst travelling on a cruise?

Accepted Answer

Yes, it does but you need to ensure you select the right Region.

We have 5 different regions to choose from:

Region 1 – Worldwide
Region 2 – Worldwide (excluding the USA, Canada, Japan and Africa)
Region 3 – South East Asia covering Borneo, Brunei Darussalam, Burma, Cambodia, China, Hong Kong, Korea, Laos, Macau, Malaysia, Myanmar, Philippines, Singapore, Taiwan, Thailand, Tibet, Vietnam and including Region 4 and 5 countries.
Region 4 – The South Pacific and Indonesia covering the Cook Islands, East Timor, Fiji, Indonesia (including Bali), Nauru, New Caledonia, New Zealand, Papua New Guinea, Samoa (American), Solomon Islands, Tahiti, Timor-Leste, Tonga, Vanuatu, Western Samoa and all Region 5 countries.
Region 5 – Australia (including Lord Howe Island, Thursday Island, Christmas Island, Cocos (Keeling) Islands and Coral Sea Islands Territory) only.

Note: The cover provided under “Section 2 – Overseas medical and dental expenses” of the PDS, does not apply if ‘Region 5’ is shown on your schedule because we will only pay your dental expense if they are incurred outside Australia. For example, if you are cruising from Australia to the South Pacific on a ship with on-board medical and/ or dental facilities and require cover under Section 2, then please select Region 4.

If you have selected Region 1, 2, 3 or 4, we will also cover any journey you make to any country or countries outside your selected Region, but only for a 72 hour period commencing from your arrival into the first country outside your selected Region.

Travel Insurance

Holiday Travel Insurance

Annual Travel Insurance

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