Travel Insurance

Business Travel Insurance

Please note the University travel insurance provider will change form ACE Insurance to AIG on the 1st January 2016, for further information please contact johndf@uow.edu.au.

Please notify Financial Services on insurance-enquiries@uow.edu.au or by phone (02) 4221 5971 as soon as possible if you become aware of a situation that may lead to a claim.

Any incident arising from criminal activities, such as theft of personal items or malicious damage, should be reported to local police and an official police report obtained.

Should you require assistance whilst on overseas business travel, please contact the local telephone operator and ask for a reverse charge call to AIG on +60 3 2772 5641 or email: auassistance@aig.com

The University maintains a current travel insurance policy to cover students and staff whilst overseas on authorised university business. It is up to the individual who is travelling to read the Product Disclosure Statement (PDS), Policy Wording and Policy Schedule. These documents, below, explain the duty of disclosure, what is and is not covered , the sums insured and the excess amounts, as well as the terms and conditions such as the requirements that must be satisfied in making a claim.

Policy Wording and PDS

Certificate of Currency

Policy Schedule

AIG Business Travel Claim Form

Please consult the FAQs below and should you still have questions about UOW Business Travel Insurance, send your specific query to insurance-enquiries@uow.edu.au

The University of Wollongong strongly recommends that staff and students travelling overseas check the following websites before booking their travel and again prior to travelling:

http://www.smartraveller.gov.au/
http://www.who.int/en/

Travel to destinations where the travel warning on the DFAT Smart Traveller website is shown as "Do Not Travel" is generally not fully covered by the University Business Travel Insurance. The traveller must seek further approval before travelling. 

The University subscribes to Travel Risk Management Services through CustomerCare.  The Customer Care website and staff intranet page may provide additional useful information.

FAQ's:

(Please Note: These FAQ's are to be used as a guide only - you should read the Product Disclosure Statement (PDS), Policy Wording and Policy Schedule to be fully aware of the Terms and Conditions.


AM I COVERED UNDER THE UNIVERSITY'S BUSINESS TRAVEL POLICY?
You must be undertaking Approved University Business Travel and you must fall into one of the Insured Persons Categories as outlined in the Schedule of Insurance above.

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WHAT IF I AM TAKING MY FAMILY ON MY TRIP?
Accompanying Spouse/Partner and Dependent Children are covered if you fall within Category 1, 2 or 6 of Insured Person(s), in the Schedule of Insurance, whilst on authorised business travel overseas. 

It is your responsibility to obtain additional cover for any other person accompanying you on your travels if you do not fall within Categories 1, 2 or 6. The University Business Travel insurance policy does not provide cover for partners or family members of travelling students.

  

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HOW DO I ARRANGE INSURANCE COVER?
To qualify for cover under the University Business Travel Insurance Policy (i.e. you fall within the Definition of Insured Person(s) Category 1, 2, 3, 4, 5 or 6) you must be travelling on University authorised business. Employees, Council Members and Honorary Employees are required to complete a Travel Absence Form.

This form is not mandatory for Students, providing other records are in place within the Faculty as proof of authorised travel.

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HOW LONG AM I COVERED FOR?
Travel insurance will provide cover for a maximum duration of 365 days, providing the private component of your travel does not exceed 60% of the total trip.

 

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WHAT IF MY TRIP EXCEEDS 365 DAYS?
If you are going to be travelling for more than 365 days, it is your responsibility to arrange and pay for additional travel insurance.

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AM I COVERED FOR PERSONAL TRAVEL WHILST OVERSEAS?
You are covered by the University Travel Insurance for any associated private travel, however; this private travel cannot make up more than 60% of your entire trip away. The traveller is responsible for arranging additional travel insurance, for private travel exceeding 60% of the total trip.

Voluntary workers are not covered for any private travel associated with their Approved University Business Travel.

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HOW CAN I ARRANGE ADDITIONAL INSURANCE?
If you choose to extend your stay it is your responsibility to arrange and pay for the additional insurance.

Please note, additional travel insurance is not an extension of the university's policy but rather a new private policy for the extended period only.

Additional insurance can be purchased from AIG Insurance via the internet at: 

https://www.aigtravel.com.au/uow

Alternatively, it may be arranged independently through an insurer of your choice.

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ARE MY PERSONAL BELONGINGS COVERED?
Baggage, Business Property and Electronic Equipment are covered. These items attract an excess of various amounts and the extent of cover may vary from year to year. Please refer to the Policy Wording and Schedule of Insurance for the limits of cover and excess amounts.

Personal effects must fall under the definition of "baggage" under the AIG Travel Policy Wording and accompany the insured person in order to be covered.

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IS THERE A 24HR EMERGENCY ASSISTANCE NUMBER?
AIG Insurance provides an emergency 24/7 service called Travel Guard, contact details are as follows:

Reverse Charge: +60 3 2772 5641
Email: auassistance@aig.com

Policy Number: 2300110174

Please register with Travel Guard using the Assistance Website Registration Guide, for 24/7 assistance and information whilst travelling.

AIG Travel Guard App

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WHAT IF I HAVE A PRE-EXISTING MEDICAL CONDITION?

The travel insurance policy does not respond where the journey is undertaken against the advice of a Doctor, or when the traveller is unfit to travel. Travellers must seek written clearance from their Doctor if they have a serious pre-existing condition.

Study Abroad Students must advise insurance by email if they have a pre-existing medical condition, before travelling.

The travel insurance policy excludes terminal conditions or chronic medical conditions where the person has received treatment in the 30 days immediately before departure or where hospitalisation/surgery was required in the 6 months before the trip. The policy also states that a person is not to travel against their Doctor's advice or if they are unfit to travel and excludes cover for any medication for a pre-existing sickness or condition.

 Under the insurance policy a person can travel if:

  • they have their doctor's permission
  • they have fully stocked up on the medication they need
  • they have not got a terminal or chronic condition (except for mild asthma)
  • they have not been treated for a medical condition within 30 days of departure; and
  • they have not been hospitalised or had surgery in the six months immediately before travelling. 

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AM I COVERED FOR REPATRIATION AND MEDICAL EVACUATION?

You are covered for Medical, Additional Expenses, Cancellation and Curtailment Expenses. Please refer to AIG Policy Wording for further details.

AIG must be contacted to make arrangements on the emergency number:

Reverse Charge: +60 3 2772 5641
Email: auassistance@aig.com

Policy Number: 2300110174

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AM I COVERED FOR AIRLINE CANCELLATION AND CURTAILMENT?

Yes. Cancellation and Curtailment Expenses are covered if the person incurs reasonable additional or forfeited travel, hotel or out-of-pocket expenses as a result of unforeseen circumstances outside their control.

Cover is subject to the terms and conditions set out in AIG Policy Wording.

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AM I COVERED IF MY PRE-BOOKED TOUR IS CANCELLED?

You are covered if the cancellation of the tour is outside of your control, however this does not include:

  • cancellation due to lack of numbers
  • any business or financial/contractual obligations of the Insured person or any other person
  • carrier caused delays where the expenses are recoverable from the carrier
  • disinclination on the part of the Insured Person or of any other person to travel 
  • cancellation, curtailment or diversion of scheduled public transport services, including strikes or other industrial action, if there had been warning before the date the Journey was booked that such events were likely to occur
  • the refusal, failure or inability of any person, company or organisation by reason of their own financial defaults or the financial default of any person, company or organisation with whom or with which they deal.   

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WHAT ACTIVITIES ARE NOT COVERED?

There is no cover for any loss resulting from flying in an aircraft other than as a passenger regardless of whether it is licensed or unlicensed. There is no cover for self-inflicted injury, illegal conduct, training or professional sport, war (whether declared or not), invasion or civil war, AIDS, existence of nuclear weapons or radioactivity, claims in respect to people over 80 years of age, claims the payment of which would constitute health insurance business as defined under the National Health Act 1952 (Cth) and Medicare expenses.

Full details of exclusions are contained in the AIG Policy Wording and Product Disclosure Statement above.

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HOW DO I MAKE A CLAIM OR LODGE AN ONLINE GENERAL ENQUIRY? 
Claims must be forwarded to Financial Services at the University of Wollongong. You will need to:

1. Complete the Business Travel Insurance Claim Form. Please note claims for any insurable events which occurred in 2015 must be lodged through ACE Insurance claim form, claims from 1st January 2016 onwards are to be lodged through AIG.

2. Attach supporting documentation such as original purchase documents, replacement quotations, receipts, police reports, witness statements, medical certificates, travel itinerary, etc.

3. Forward the completed claim form and supporting documents to:

                   Financial Services - Building 36

                   University of Wollongong, Wollongong, NSW 2522

                   or email to insurance-enquiries@uow.edu.au

For general enquiries and information regarding the claims process please email:

                   insurance-enquiries@uow.edu.au

For emergency assistance contact AIG Assistance - refer details above.

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Last reviewed: 31 January, 2017

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