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Words with Special Meaning

In this PDS certain words have the special meaning explained below. These words will appear bolded.

Accompanying​

means the person will be travelling with You for 100% of the Trip itinerary.

Advanced terrain​

means areas and terrain designated for expert skiers and snowboarders. Only applies to skiing or snowboarding.

Adventure activities​

means any activity listed as covered under Adventure Pack where additional premium has been paid by You and ‘Adventure Pack' appears on Your Certificate of insurance.

means the limits that apply to Your cover based on Your age at the time of Policy purchase.

AICD/ICD​

means an implantable cardioverter-defibrillator (ICD), also known as an automated implantable cardioverter-defibrillator (AICD).

Arise, Arises or Arising​

means directly or indirectly caused as a result of, attributable to or in any way connected with.

Backcountry​

means any area inside or outside a ski resort's boundaries that is NOT monitored or patrolled by resort authorities.

Carrier or Carriers​

means an aircraft, vehicle, train, tram, Cruise ship, ferry, vessel or any other public transport operated under a license for the purpose of transporting passengers. The definition excludes taxis.

Certificate of insurance​

means a separate document, which shows certain insurance details relevant to You. It may include additional terms, conditions, exclusions and limitations that amend the standard terms of this PDS.

Changes in health​

means:

Close relative​

means Your or Your Travelling companion’s spouse, de facto partner, parent, parent-in-law, children (including adopted or fostered children), brother, sister, brother-in-law, sister-in-law, son-in-law, daughter-in-law, grandchild, grandparent, step-parent, step-son, step-daughter, fiancé or fiancée or guardian, that meets all of the following criteria:

  • they are aged 84 years of age or younger at the time of the claimable event, and
  • they permanently reside in Australia for the duration of the Policy, and
  • they are not a person listed in the Certificate of insurance.

Close relative conditions​

means all of the following:

  • immediately before the Sickness or Injury that has resulted in Your need to cancel Your Trip or return, the Close relative:

    • is living independently at home, in a retirement home or retirement village, with independent living arrangements and does not need home care or flexible care provisions,
    • is not living in a nursing home, aged care centre, residential aged care home, a high and/or low care facility, Supported Residential Services (SRS), Supported Residential Facilities (SRF) or any form of residential care facility,
    • is not on a waiting list or aware that they required surgery, inpatient treatment or medical tests at a Hospital or clinic, and
    • if pregnant, has not had complications with their pregnancy and have not had complications with their pregnancy and childbirth for any previous pregnancy, and

  • during 3 years prior to issue of Your Policy, the Close relative:

    • has not been hospitalised (including for day surgery or emergency department), required prescription medication, sought or received medical advice from a Medical practitioner or other health care professional, has had tests, investigations, care, treatment or medical attention for the Sickness or Injury that has resulted in Your need to cancel Your Trip or return Home early,
    • has not had a drug or alcohol addiction, and
    • has not been diagnosed with a terminal condition.

COVID-19​

means the SARS-CoV-2 virus, the COVID-19 disease, or any mutation of either.

Cruise ship​

means a commercially operated ocean-going vessel that is licensed to carry paying passengers, has on-board accommodation and a trained Medical practitioner or staff trained and accredited in advanced first aid (or the equivalent level in the country that You are travelling in).

Dependant or Dependants​

means Your children or grandchildren or children or grandchildren of whom You are the legal guardian, not in full time employment who are aged 20 and under and travelling together with You for 100% of the Trip itinerary.

Depreciation​

means the deduction from the original purchase price of an amount calculated to be the reduction in value because of wear and tear and/or the passing of time. Refer to the Depreciation table.

Dollar or $​

means Australian dollars.

Downhill mountain biking​

means mountain biking where You travel (usually by ski lift or car) to the top of a hill or mountain with the specific intent of riding a marked or unmarked downhill trail. The descent is on steep, rugged and challenging terrain with obstacles such as rocks, boulders, jumps, drops, tree roots and other vegetation.

Drone​

means any unmanned aircraft or ship that is guided remotely, including its parts or any attached or unattached accessories.

Epidemic or Epidemics​

means a sudden development and rapid spreading of a contagious disease in a region where it developed in a simply endemic state or within a previously unscathed community.

Excess or Excesses​

means the first amount which You must pay or is deducted for each claim Arising from the one event.

Family​

means:

  • You, Your spouse (or someone legally recognised in Australia as Your de facto partner) and Your Dependants; or
  • You, Your spouse (or someone legally recognised in Australia as Your de facto partner) and Your grandchildren; or
  • You, Your son or daughter and Your grandchildren.

Financial collapse​

means:
a) bankruptcy;
b) entry into any official or unofficial scheme of arrangement;
c) insolvent;
d) applying for or filing for insolvency protection;
e) liquidation or provisional liquidation;
f) a person or company conducting business under statutory protection under the law of any jurisdiction;
g) winding up;
h) presentation of a petition for the compulsory winding up of;
i) restructuring or composition with creditors;
j) stopping the payment of debts; or
k) something having a substantially similar effect to any of (a) to (j) above happens in connection with the person or company under the law of any jurisdiction.

For the purpose of this definition only, ‘Insolvent’ means a person or company under administration or deemed insolvent (each as defined in the Corporations Act 2001 (Cth)).

General Exclusion or General Exclusions​

means events or situations in which You would not have cover under any benefit.

Home​

means the place where You permanently live in Australia and is the base from where You carry out the ordinary course (day to day activities) of Your life for the purposes of family, employment, living and financial considerations.

Hospital​

means an established hospital registered under any legislation that applies to it, that provides in-patient medical care.

Injure, Injured, Injuring or Injury​

means bodily injury, caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place and does not result from any Sickness, illness, disease, or self-harm.

Injury date​

means the earlier of the date:

Locked storage compartment​

means, but not limited to a glove box, enclosed centre console, or concealed cargo area of a car, station wagon, hatchback, van or motorhome. For a motorcycle, moped or scooter this means but not limited to, storage units, saddlebags, and under seat storage.

Lost​

means any personal items owned by You, that are no longer in Your possession and cannot be found or recovered.

Luggage and personal effects​

means any personal items owned by You and that You take with You, or buy, on Your Trip and which are designed to be worn or carried about with You. This includes items of clothing, personal jewellery, photographic and video equipment, personal computers, electrical devices or portable equipment. However, it does not mean a bicycle, any business sample, passports, travel documents, cash, bank notes, currency notes, unset precious or semi-precious stones, watercraft of any type (except surfboards), furniture, furnishings, household appliances, hired items or items that You intend to trade.

Medical condition or Medical conditions​

has the meaning defined in What is a Medical condition?

Medical practitioner​

means a qualified doctor of medicine or dentist (other than You or another person listed as covered in the Certificate of insurance, Your Travelling companion or anyone related to You or Your Travelling companion with these qualifications) registered to provide the relevant service in the place where You or the relevant person receive the services acting within the scope of their registration and pursuant to the relevant laws.

Mental illness​

means any illness, disorder or condition recognised or provided for in the edition of the Diagnostic and Mental Illness Statistical Manual of Mental Disorders current immediately before issue of Your Policy.

Natural disaster​

means an extraordinary natural phenomenon such as floods, earthquakes, tsunamis, landslides, volcanic eruptions, atypical cyclonic storms, falling objects from space and aerolites, and in general any extraordinary atmospheric, meteorological, seismic or geological phenomenon.

Overseas​

means in any country other than Australia.

Off-piste​

means any area away from prepared ski runs that:
a) is outside of resort boundaries; and
b) is where skiing or snowboarding is allowed.

Pandemic or Pandemics​

means a geographically widespread outbreak of an infectious disease that causes serious illness in humans.

Permanent disability or Permanently disabled​

means:
a) total and irrecoverable loss of all Your sight in one or both eyes; or total and irrecoverable loss of use and functionality of one or more of Your limbs (in respect of this definition, limbs mean an entire hand, an entire foot, the entire limb between the elbow and hand for an arm, or the entire limb between the knee and foot for a leg); and
b) in the opinion of an appropriate Medical practitioner specialising in the relevant field, with medical evidence, that the loss will last for at least 12 consecutive months from the Injury date, and that the loss will continue indefinitely without any hope of improvement.

Period of insurance​

is the period You are insured for as defined under the heading Period of insurance.

Policy or Policies​

means this document, the Certificate of insurance and any other change to the terms of the policy otherwise advised by Us in writing (such as endorsement).

Pregnancy condition or Pregnancy conditions​

means the meaning defined in What is a Pregnancy condition?

Professional snow sport instructor​

means the holder of an Alpine Level 4 certification recognised by the International Ski Instructors Association (ISIA) or the holder of a Canada Ski Guide (CSGI) Level 3 Certification (or ISIA recognised equivalent). Such guides have a minimum of 2 years’ experience as a trainee guide and have completed the required training to lead groups in Backcountry areas without supervision. They have been trained in all aspects of Backcountry and avalanche safety and are familiar with the areas they are guiding and instructing in. They hold the required insurances and permits to guide groups in Backcountry areas on a commercial basis.

Public place​

means any place that the public has access to, including but not limited to planes, trains, trams, Cruise ships, taxis, buses, air or bus terminals, stations, wharves, streets, museums, galleries, hotels, hotel foyers and grounds, beaches, restaurants, private car parks, public toilets and general access areas.

Recreational all-terrain vehicle​

means a small, open motor vehicle having three or more wheels fitted with large tyres designed chiefly for recreational use over roadless terrain. They are sometimes referred to as quad-bikes, trikes or buggies.

Recreational mountain biking​

means riding a bike in a forest and on mountain trails, up and down hills, but not competing, racing or jumping or Downhill mountain biking.

Relevant area​

means any:
a) area, region, state, territory or country; or
b) part of an area, state, territory, region, or country

where You usually reside, have recently travelled to, are planning to travel to or are currently travelling in.

Rental vehicle​

means a sedan, hatchback or station wagon, four-wheel drive or minibus/people mover, or a campervan/motorhome that does not exceed 4.5 tonnes, rented from a licensed motor vehicle rental company (including vehicles rented from peer-to-peer carsharing platforms).

Sick or Sickness​

means an illness or disease, that is not an Injury.

Sickness date​

means the earlier of:
a) the date Your Medical practitioner reasonably diagnoses as the most likely date the Sickness or symptoms of the Sickness first occurred or manifested, whichever is the earlier;
b) the date Our Medical practitioner reasonably diagnoses as the most likely date the Sickness or symptoms of the Sickness first occurred or manifested, whichever is the earlier;
c) the date You first became aware of the Sickness or symptoms of the Sickness, whichever is the earlier;
d) the date a reasonable person in the circumstances would have been aware of the Sickness or symptoms of the Sickness, whichever is the earlier; or
e) the date the Sickness or symptoms of the Sickness, were first diagnosed by a Medical practitioner, whichever is the earlier.

Snow sports​

means:
a) recreational skiing and snowboarding;
b) big foot skiing and snowboarding;
c) cat skiing and snowboarding;
d) cross-country skiing and snowboarding (along a designated cross-country ski route only);
e) glacier skiing and snowboarding;
f) heli-skiing and snowboarding (provided by a commercial operator and available to the general public only);
g) ice hockey (socially and not competitive);
h) ice skating;
i) lugeing (on ice and provided by a commercial operator and available to the general public only);
j) mono skiing;
k) Off-piste skiing and snowboarding;
l) Backcountry skiing and snowboarding;
m) snowmobiling;
n) snowshoeing;
o) Terrain park skiing or snowboarding;
p) tobogganing.

Important: Cat skiing and snowboarding, glacier skiing and snowboarding, heli-skiing and snowboarding, Off-piste skiing and snowboarding and Backcountry skiing and snowboarding must be done with a Professional snow sport instructor.

Snow sports equipment​

means skis, poles, ski boots and bindings, ski helmets, snowboards, snowboard boots and bindings.

Sound and natural teeth​

means whole or properly restored teeth with fillings only, where there is no other impairment to the teeth or periodontal disease.

Special event or Special events​

means pre-booked, pre-paid and pre-arranged wedding, funeral, conference, concert, sporting event, cruise or tour package.

Specified high value item or Specified high value items​

means Luggage and personal effects that have been specifically listed on Your Certificate of insurance with a nominated sum insured.

Sub limit or Sub limits​

means the maximum Dollar amount We will pay to cover a specific item, event or loss which We have described under a broader section benefit limit.

Surface water activity​

body boarding, body surfing, paddle boarding, surfing, skim boarding, windsurfing.

Terrain park​

means an area containing terrain that allows skiers and snowboarders to perform tricks.

Terrorism​

means any act which may or may not involve the use of, or threat of, force or violence where the purpose of the act is to further a political, religious, ideological aim or to intimidate or influence a government (whether lawfully constituted or not) or any section of the public or to put any section of the public in fear. Terrorism will also include any act that is verified or recognised by the (relevant) government as an act of Terrorism or defined under any relevant legislation as an act of terrorism.

Transit​

means any connection between flights where You need to change aircraft to enable You to continue to Your planned destination, and where You do not leave the airport.

Travel restriction or Travel restrictions​

means any restriction or rule affecting a Relevant area, including but not limited to the following: border closures, or imposition of a lockdown, lockout, closure, travel restriction, curfew, entry requirement, border pass or travel permit system, mandatory isolation or quarantine requirements ordered by a government authority (local, country or otherwise).

Travelling companion​

means a person with whom You have made arrangements to travel with for at least 75% of Your Trip itinerary before Your Policy was issued, and who is not listed on Your Certificate of insurance.

Trip or Trips​

means for all Policies other than Policies purchased while You are Overseas, the time when You leave Your Home to go directly to the place You depart from on Your travels, and ends when You return to Your Home, provided however that for Domestic Plus Policies You must be more than 200 kms from Your Home. For Policies purchased while You are Overseas, trip means Your travel from the time when the Policy is issued when You are Overseas to the time when You return to Your Home.

Unattended motor vehicle​

means Your vehicle, Your Rental vehicle, or Your Travelling companion’s vehicle, where You or Your Travelling companion are not inside.

Unspecified item or Unspecified items​

means Luggage and personal effects that have not been listed as covered on Your Certificate of insurance with a nominated sum insured.

Unsupervised​

means:
a) when You do not leave Your Luggage and personal effects in a secure place; or
b) leaving Your Luggage and personal effects with a person You did not know prior to commencing Your Trip; or
c) leaving Your Luggage and personal effects with a person not named on Your Certificate of insurance; or
d) leaving Your Luggage and personal effects where they can be taken without Your knowledge, including but not limited to on the beach, poolside while You swim, in the seat pocket of Your plane seat and includes if You are asleep and Your belongings are taken without You knowing; or
e) leaving Your Luggage and personal effects at such a distance from You that You are reasonably unable to prevent them from being taken; or
f) forgetting or misplacing Your Luggage and personal effects, leaving them behind or walking away from them.

We, Our and Us​

means Certain Underwriters at Lloyd’s led by Canopius Managing Agents Limited, Syndicate 4444 acting through its agent Fast Cover Pty Ltd.

You, Your and Yourself​

means the person(s) whose name(s) are set out on the Certificate of insurance, and if you have a Single or Family cover type, your Dependants.