Policy Wordings

To see a full list of policy changes from year to year, please click here.

Below are links to our Policy Wordings (PW) and Insurance Product Information Documents (IPID) which outline the cover available for each Insurancewith product:

For Policies issued from 01/12/2024

Single Trip

Emerald ST- Policy Wording
Emerald ST – IPID

Sapphire ST – Policy Wording
Sapphire ST – IPID

Platinum ST – Policy Wording
Platinum ST – IPID

Annual Multi Trip

Emerald MT- Policy Wording
Emerald MT – IPID

Sapphire MT – Policy Wording
Sapphire MT – IPID

Platinum MT – Policy Wording
Platinum MT – IPID

Longstay

Backpacker – Policy Wording
Backpacker – IPID

Longstay – Policy Wording
Longstay – IPID

Wintersports

Wintersports Single Trip – Policy Wording

Wintersports Multi Trip – Policy Wording

Wintersports – IPID

Optional Extensions

Large Scale Events Extension

Terms of Business & How we use your Personal Information

Insurancewith Terms

For Policies issued from 01/12/2023 to 30/11/2024

Single Trip

Emerald ST- Policy Wording
Emerald ST – IPID

Sapphire ST – Policy Wording
Sapphire ST – IPID

Platinum ST – Policy Wording
Platinum ST – IPID

Annual Multi Trip

Emerald MT- Policy Wording
Emerald MT – IPID

Sapphire MT – Policy Wording
Sapphire MT – IPID

Platinum MT – Policy Wording
Platinum MT – IPID

Longstay

Backpacker – Policy Wording
Backpacker – IPID

Longstay – Policy Wording
Longstay – IPID

Wintersports

Wintersports Single Trip – Policy Wording

Wintersports Multi Trip – Policy Wording

Wintersports – IPID

Optional Extensions

Large Scale Events Extension

Terms of Business & How we use your Personal Information

Insurancewith Terms

For Policies issued from 11/01/2023 to 30/11/2023

Single Trip

Emerald ST- Policy Wording
Emerald ST – IPID

Sapphire ST – Policy Wording
Sapphire ST – IPID

Platinum ST – Policy Wording
Platinum ST – IPID

Multi Trip

Emerald MT- Policy Wording
Emerald MT – IPID

Sapphire MT – Policy Wording
Sapphire MT – IPID

Platinum MT – Policy Wording
Platinum MT – IPID

Longstay

Backpacker – Policy Wording
Backpacker – IPID

Longstay – Policy Wording
Longstay – IPID

Wintersports

Wintersports Single Trip – Policy Wording

Wintersports Multi Trip – Policy Wording

Wintersports – IPID

Optional Extensions

Large Scale Events Extension

Terms of Business & How we use your Personal Information

Insurancewith Terms

For Policies issued from 17/01/2022 to 10/01/2023

Single Trip

Emerald ST- Policy Wording
Emerald ST – IPID

Sapphire ST – Policy Wording
Sapphire ST – IPID

Platinum ST – Policy Wording
Platinum ST – IPID

Multi Trip

Emerald MT- Policy Wording
Emerald MT – IPID

Sapphire MT – Policy Wording
Sapphire MT – IPID

Platinum MT – Policy Wording
Platinum MT – IPID

Longstay

Backpacker – Policy Wording
Backpacker – IPID

Longstay – Policy Wording
Longstay – IPID

Wintersports

Wintersports Single Trip – Policy Wording

Wintersports Multi Trip – Policy Wording

Wintersports – IPID

Optional Extensions

Large Scale Events Extension

Terms of Business & How we use your Personal Information

Insurancewith Terms

For Policies issued from 08/07/2021 to 16/01/2022

Single Trip

Emerald ST- Policy Wording
Emerald ST – IPID

Sapphire ST – Policy Wording
Sapphire ST – IPID

Platinum ST – Policy Wording
Platinum ST – IPID

Staycation Plus ST – Policy Wording
Staycation Plus ST – IPID

Multi Trip

Emerald MT- Policy Wording
Emerald MT – IPID

Sapphire MT – Policy Wording
Sapphire MT – IPID

Platinum MT – Policy Wording
Platinum MT – IPID

Staycation Plus MT – Policy Wording
Staycation Plus MT – IPID

Longstay

Backpacker – Policy Wording
Backpacker – IPID

Longstay – Policy Wording
Longstay – IPID

Optional Extensions

Winter Sports, Cruise, Golf, Sports & Equipment and Rehabilitation Wording

Zero Excess on Deposit-Only Cancellation Information

Terms of Business & How we use your Personal Information

Insurancewith Terms

For Policies issued from 19/05/2021 to 08/07/2021

Single Trip

Emerald ST- Policy Wording
Emerald ST – IPID

Sapphire ST – Policy Wording
Sapphire ST – IPID

Platinum ST – Policy Wording
Platinum ST – IPID

Staycation Plus ST – Policy Wording
Staycation Plus ST – IPID

Multi Trip

Emerald MT- Policy Wording
Emerald MT – IPID

Sapphire MT – Policy Wording
Sapphire MT – IPID

Platinum MT – Policy Wording
Platinum MT – IPID

Staycation Plus MT – Policy Wording
Staycation Plus MT – IPID

Longstay

Backpacker – Policy Wording
Backpacker – IPID

Longstay – Policy Wording
Longstay – IPID

Optional Extensions

Winter Sports, Cruise, Golf, Sports & Equipment and Rehabilitation Wording

Zero Excess on Deposit-Only Cancellation Information

Terms of Business & How we use your Personal Information

Insurancewith Terms

For Policies issued from 01/03/2021 to 18/05/2021

Single Trip

Emerald ST- Policy Wording
Emerald ST – IPID

Sapphire ST – Policy Wording
Sapphire ST – IPID

Platinum ST – Policy Wording
Platinum ST – IPID

Staycation Plus ST – Policy Wording
Staycation Plus ST – IPID

Multi Trip

Emerald MT- Policy Wording
Emerald MT – IPID

Sapphire MT – Policy Wording
Sapphire MT – IPID

Platinum MT – Policy Wording
Platinum MT – IPID

Staycation Plus MT – Policy Wording
Staycation Plus MT – IPID

Longstay

Backpacker – Policy Wording
Backpacker – IPID

Longstay – Policy Wording
Longstay – IPID

Optional Extensions

Winter Sports, Cruise, Golf, Sports & Equipment and Rehabilitation Wording

Zero Excess on Deposit-Only Cancellation Information

Terms of Business & How we use your Personal Information

Insurancewith Terms

For Policies issued from 26/11/2020 to 28/02/2021

Single Trip

Emerald ST- Policy Wording
Emerald ST – IPID

Sapphire ST – Policy Wording
Sapphire ST – IPID

Platinum ST – Policy Wording
Platinum ST – IPID

Staycation Plus ST – Policy Wording
Staycation Plus ST – IPID

Multi Trip

Emerald MT- Policy Wording
Emerald MT – IPID

Sapphire MT – Policy Wording
Sapphire MT – IPID

Platinum MT – Policy Wording
Platinum MT – IPID

Staycation Plus MT – Policy Wording
Staycation Plus MT – IPID

Longstay

Backpacker – Policy Wording
Backpacker – IPID

Longstay – Policy Wording
Longstay – IPID

Optional Extensions

Wintersports (Sapphire and Emerald cover)

Wintersports (Platinum cover)

Sports and Equipment

Zero Excess on Deposit-Only Cancellation Information

Terms of Business & How we use your Personal Information

Insurancewith Terms

For Policies issued from 24/09/2020 to 25/11/2020

Single Trip

Emerald ST- Policy Wording
Emerald ST – IPID

Sapphire ST – Policy Wording
Sapphire ST – IPID

Platinum ST – Policy Wording
Platinum ST – IPID

Staycation Plus ST – Policy Wording
Staycation Plus ST – IPID

Multi Trip

Emerald MT- Policy Wording
Emerald MT – IPID

Sapphire MT – Policy Wording
Sapphire MT – IPID

Platinum MT – Policy Wording
Platinum MT – IPID

Staycation Plus MT – Policy Wording
Staycation Plus MT – IPID

Longstay

Backpacker – Policy Wording
Backpacker – IPID

Longstay – Policy Wording
Longstay – IPID

Optional Extensions

Wintersports (Sapphire and Emerald cover)

Wintersports (Platinum cover)

Sports and Equipment

Terms of Business & How we use your Personal Information

Insurancewith Terms

For Policies issued from 13/08/2020 to 23/09/2020

Single Trip

Emerald ST- Policy Wording
Emerald ST – IPID

Sapphire ST – Policy Wording
Sapphire ST – IPID

Platinum ST – Policy Wording
Platinum ST – IPID

Staycation Plus ST – Policy Wording
Staycation Plus ST – IPID

Multi Trip

Emerald MT- Policy Wording
Emerald MT – IPID

Sapphire MT – Policy Wording
Sapphire MT – IPID

Platinum MT – Policy Wording
Platinum MT – IPID

Staycation Plus MT – Policy Wording
Staycation Plus MT – IPID

Longstay

Backpacker – Policy Wording
Backpacker – IPID

Longstay – Policy Wording
Longstay – IPID

Optional Extensions

Wintersports (Sapphire and Emerald cover)

Wintersports (Platinum cover)

Sports and Equipment

For Policies issued from 14/03/2020 to 12/08/2020

Single Trip

Emerald ST- Policy Wording
Emerald ST – IPID

Sapphire ST – Policy Wording
Sapphire ST – IPID

Platinum ST – Policy Wording
Platinum ST – IPID

Staycation Plus ST – Policy Wording
Staycation Plus ST – IPID

Multi Trip

Emerald MT- Policy Wording
Emerald MT – IPID

Sapphire MT – Policy Wording
Sapphire MT – IPID

Platinum MT – Policy Wording
Platinum MT – IPID

Staycation Plus MT – Policy Wording
Staycation Plus MT – IPID

Longstay

Backpacker – Policy Wording
Backpacker – IPID

Longstay – Policy Wording
Longstay – IPID

Optional Extensions

Wintersports (Sapphire and Emerald cover)

Wintersports (Platinum cover)

Sports and Equipment

For Policies issued from 01/03/2020 to 13/03/2020

Single Trip

Emerald ST- Policy Wording
Emerald ST – IPID

Sapphire ST – Policy Wording
Sapphire ST – IPID

Platinum ST – Policy Wording
Platinum ST – IPID

Multi Trip

Emerald MT- Policy Wording
Emerald MT – IPID

Sapphire MT – Policy Wording
Sapphire MT – IPID

Platinum MT – Policy Wording
Platinum MT – IPID

Longstay

Backpacker – Policy Wording
Backpacker – IPID

Longstay – Policy Wording
Longstay – IPID

Optional Extensions

Wintersports (Sapphire and Emerald cover)

Wintersports (Platinum cover)

Sports and Equipment

For Policies issued from 06/10/2019 to 29/02/2020

Single Trip

Emerald ST- Policy Wording
Emerald ST – IPID

Sapphire ST – Policy Wording
Sapphire ST – IPID

Platinum ST – Policy Wording
Platinum ST – IPID

Multi Trip

Emerald MT- Policy Wording
Emerald MT – IPID

Sapphire MT – Policy Wording
Sapphire MT – IPID

Platinum MT – Policy Wording
Platinum MT – IPID

Longstay

Backpacker – Policy Wording
Backpacker – IPID

Longstay – Policy Wording
Longstay – IPID

Optional Extensions

Wintersports (Sapphire and Emerald cover)

Wintersports (Platinum cover)

Sports and Equipment

For Policies issued from 01/05/2019 to 05/10/2019

Single Trip

Emerald ST- Policy Wording
Emerald ST – IPID

Sapphire ST – Policy Wording
Sapphire ST – IPID

Platinum ST – Policy Wording
Platinum ST – IPID

Multi Trip

Emerald MT- Policy Wording
Emerald MT – IPID

Sapphire MT – Policy Wording
Sapphire MT – IPID

Platinum MT – Policy Wording
Platinum MT – IPID

Longstay

Backpacker – Policy Wording
Backpacker – IPID

Longstay – Policy Wording
Longstay – IPID

Optional Extensions

Wintersports (Sapphire and Emerald cover)

Wintersports (Platinum cover)

Sports and Equipment

For Policies issued from 01/03/2019 to 30/04/2019

Single Trip

Emerald ST- Policy Wording
Emerald ST – IPID

Sapphire ST – Policy Wording
Sapphire ST – IPID

Platinum ST – Policy Wording
Platinum ST – IPID

Multi Trip

Emerald MT- Policy Wording
Emerald MT – IPID

Sapphire MT – Policy Wording
Sapphire MT – IPID

Platinum MT – Policy Wording
Platinum MT – IPID

Longstay

Backpacker – Policy Wording
Backpacker – IPID

Longstay – Policy Wording
Longstay – IPID

Optional Extensions

Wintersports (Sapphire and Emerald cover)

Wintersports (Platinum cover)

Sports and Equipment

For Policies issued from 16/07/2018 to 28/02/2019

Single Trip

Emerald ST- Policy Wording
Emerald ST – IPID

Sapphire ST – Policy Wording
Sapphire ST – IPID

Platinum ST – Policy Wording
Platinum ST – IPID

Multi Trip

Emerald MT- Policy Wording
Emerald MT – IPID

Sapphire MT – Policy Wording
Sapphire MT – IPID

Platinum MT – Policy Wording
Platinum MT – IPID

Longstay

Backpacker – Policy Wording
Backpacker – IPID

Longstay – Policy Wording
Longstay – IPID

Optional Extensions

Wintersports (Sapphire and Emerald cover)

Wintersports (Platinum cover)

Sports and Equipment

For Policies issued from 01/03/2018 to 15/07/2018

Single Trip

Multi Trip

Longstay

Optional Extensions

Wintersports (Sapphire and Emerald cover)

Wintersports (Platinum cover)

Financial Failure & Force Majeure

Sports and Equipment

For Policies issued from 01/03/2017 to 28/02/2018

Single Trip

Multi Trip

Longstay

Optional Extensions

Wintersports (Sapphire and Emerald cover)

Wintersports (Diamond and Platinum cover)

Financial Failure & Force Majeure

For Policies issued from 01/03/2016 to 28/02/2017

Single Trip

Multi Trip

Longstay

For Policies issued from 01/03/2015 to 29/02/2016

Single Trip

Multi Trip

Longstay

Cruise

Wintersports

InsuranceWith Awards