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Travel Insurance

ATravel InsuranceCombined Financial Services Guideand Product Disclosure Statement(including policy wording)Effective 17 November, 2021 Table of contentsProduct Disclosure Statement ..1 About this document ..1 About Tokio Marine & Nichido ..1 About RACV ..1 your contract with Us ..1 Contacting RACV ..1 Contacting Tokio Marine & of cover ..2 Plan types ..2 Information about cruising ..2 International plan benefits table ..3 Domestic plan benefits table ..4 Luggage item limits ..4 Before You buy ..5 your Duty of Disclosure ..5 Who can purchase this policy ..5 When are benefits Cancelling your policy ..5 Making changes to your policy ..6 Medical Conditions and Pregnancy ..6 Sports and Activities ..7 While You are travelling ..8 Overseas emergency assistance ..8 Extending your cover ..8 Policy Benefit sections ..9 Section 1: Cancellation Fees and Lost Deposits and exclusions.

advised at the time of finalising Your policy and confirms You have entered into a contract with Us. The COI, along with the Combined Financial Services Guide, Product Disclosure Statement and Policy Wording sets out the terms and conditions of the insurance We provide to You when You purchase a policy. These documents explain:

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