Wording Documents

Full details of our Policies.

Policy Wordings & Key Facts Documents

Our policy wording documents outline the full coverage, limitations, terms and conditions that relate to our policies. It is important that you read and understand these documents when purchasing our policies.

You can view our policy wordings and key facts documents by clicking on the relevant links below. If you have purchased a policy please refer to your policy documents emailed or sent at time of purchase.You will need the free Adobe Acrobat Reader software installed to view PDF files. If you do not already have it installed, you can download it by clicking here. Please contact us if you have any questions.

Please read details regarding pre-existing medical conditions before purchasing cover.

First Class Policy:           Policy Wording Document       Product Info Document

Economy 500 Policy:           Policy Wording Document       Product Info Document

Traveller Plus Policy:           Policy Wording Document       Product Info Document

Traveller Policy:           Policy Wording Document       Product Info Document

Gold Single Trip & Annual Multi Trip Policy:           Policy Wording Document       Product Info Document

Silver Single Trip & Annual Multi Trip Policy:           Policy Wording Document       Product Info Document

Bronze Single Trip & Annual Multi Trip Policy:           Policy Wording Document       Product Info Document

Emigration Insurance (Gold & Silver):           Policy Wording Document       Product Info Document (Gold)       
Product Info Document (Silver)

Working Holiday Policy:           Policy Wording Document       Product Info Document


The above documents apply to policies purchased on or after the 8th February 2019. Please see below for documents relating to policies purchased before this date.


Please see the table below for all wordings and key facts documents for URV policies bought between 1st February 2018 and 7th February 2019.

 
Policy Wordings
Product Info Document
Key Facts Document
First Class
Economy 500
Longstay
Backpacker

Backpacker
(01/02/2018 to 14/04/2018)

 
Annual Multi-Trip (01/02/2018 to 05/08/2018)
 
Budget Annual Multi-Trip (01/02/2018 to 05/08/2018)
 
Emigration Insurance (Gold & Silver)
Working Holiday

Please see the table below for all wordings and key facts documents for URV policies bought between 13th February 2017 and 31st January 2018.

 
Policy Wordings
Key Facts Document

First Class After 24/05/2017

First Class (13/2/2017 to 23/05/2017)

Economy 500 After 24/05/2017
Economy 500 (13/2/2017 to 23/05/2017)
Longstay
Backpacker
Annual Multi-Trip
Budget Annual Multi-Trip
Emigration Insurance (Gold & Silver)
Working Holiday


Please see the table below for all wordings and key facts documents for URV policies bought between 12th January 2016 and 12th February 2017.

 
Policy Wordings
Key Facts Document

First Class

Economy 500
Longstay
Backpacker
Medicare Extra
Annual Multi-Trip
Budget Annual Multi-Trip
Emigration Insurance (Gold & Silver) (9/6/2016 to 12/2/2017)
Emigration Insurance (Gold & Silver) (12/1/2016 to 8/6/2016)
Working Holiday

Please see the table below for all wordings and key facts documents for URV policies bought between 14th January 2015 and 11th January 2016.

 
Policy Wordings
Key Facts Document

First Class

Economy 500
Longstay
Backpacker
Medicare Extra
Annual Multi-Trip
Budget Annual Multi-Trip
Emigration Insurance (Gold & Silver)
Working Holiday (14/1/2015 to 5/12/2015)
Working Holiday (6/12/2015 to 11/1/2016)

Please see the table below for all wordings and key facts documents for URV policies bought between 1st April 2014 and 13th January 2015.

 
Policy Wordings
Key Facts Document

First Class

Economy 500
Longstay
Backpacker
Medicare Extra
Annual Multi-Trip
Budget Annual Multi-Trip
Emigration Insurance (Gold & Silver)

 

Please see the table below for all wordings and key facts documents for URV policies bought between 1st January 2013 and 31st March 2014.

 
Policy Wordings
Key Facts Document

First Class/Emigration

Economy 500
Longstay
Backpacker
Medicare Extra
Annual Multi-Trip

 

Please see the table below for all wordings and key facts documents for URV policies bought between 1st January 2012 and 31st December 2012.

 
Policy Wordings
Key Facts Document

First Class/Emigration

Economy 500
Longstay
Backpacker
Medicare Extra
Annual Multi-Trip

 

Please see the table below for all wordings and key facts documents for URV policies bought between 1st January 2011 and 31st December 2011.

 
Policy Wordings
Key Facts Document

First Class/Emigration

Economy 500
Longstay
Backpacker
Medicare Extra
Annual Multi-Trip

Please see the table below for all wordings and key facts documents for URV policies bought before 1st January 2011.

 
Policy Wordings
Key Facts Document

First Class/Emigration

Economy 500
Longstay
Backpacker
Medicare Extra
Annual Multi-Trip





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