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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 / Economy 500 Policy:    Policy Wording Document    Product Info Document

Walkabout / Walkabout Plus Policy:    Policy Wording Document    Product Info Document

Gold / Silver / Bronze Single Trip Policy:    Policy Wording Document    Product Info Document

Gold / Silver / Bronze Annual Multi Trip Policy:    Policy Wording Document    Product Info Document

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

Working Holiday Policy:    Policy Wording Document    Product Info Document

The above documents apply to policies purchased on or after the 1st August 2023. Please see below for documents relating to policies purchased before this date.

The above documents apply to policies purchased on or after the 1st March 2023. Please see below for documents relating to policies purchased before this date.

The above documents apply to policies purchased on or after the 1st Febuary 2023. Please see below for documents relating to policies purchased before this date.

The above documents apply to policies purchased on or after the 23rd January 2022. Please see below for documents relating to policies purchased before this date

The above documents apply to policies purchased on or after the 15th July 2021. Please see below for documents relating to policies purchased before this date

The above documents apply to policies purchased on or after the 8th July 2021. Please see below for documents relating to policies purchased before this date

The above documents apply to policies purchased on or after the 1st February 2021. Please see below for documents relating to policies purchased before this date.

The above documents apply to policies purchased on or after the 1st June 2020. Please see below for documents relating to policies purchased before this date.

The above documents apply to policies purchased between the 12th Feburary 2020 and 13th March 2020. Please see below for documents relating to policies purchased before this date.

The above documents apply to policies purchased on or after the 1st October 2019. Please see below for documents relating to policies purchased before this date.

First Class Policy:    Policy Wording Document    Product Info Document

Economy 500 Policy:    Policy Wording Document    Product Info Document

Walkabout Plus Policy:    Policy Wording Document    Product Info Document

Walkabout 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	First Class Wording	Product Info Document	First Class Key Fact
Economy 500	Economy 500 Wording	Product Info Document	Economy 500 Key Facts
Longstay	Longstay Wording	Product Info Document	Longstay Key Facts
Backpacker	Backpacker Wording	Product Info Document	Backpacker Key Facts
Backpacker (01/02/2018 to 14/04/2018)	Backpacker Wording		Backpacker Key Facts
Annual Multi-Trip (01/02/2018 to 05/08/2018)	Multi-Trip Wording		Multi-Trip Key Facts
Budget Annual Multi-Trip (01/02/2018 to 05/08/2018)	Budget Multi-Trip Wording		Budget Multi-Trip Key Facts
Emigration Insurance (Gold & Silver)	Emigration Wording	Product Info Document (Gold) Product Info Document (Silver)	Emigration Key Facts
Working Holiday	Working Holiday Wording	Product Info Document	Working Holiday Key Facts

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

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

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

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	First Class Wording	First Class Key Facts
Economy 500	Economy 500 Wording	Economy 500 Key Facts
Longstay	Longstay Wording	Longstay Key Facts
Backpacker	Backpacker Wording	Backpacker Key Facts
Medicare Extra	Medicare Extra Wording	Medicare Extra Key Facts
Annual Multi-Trip	Multi-Trip Wording	Multi-Trip Key Facts
Budget Annual Multi-Trip	Budget Multi-Trip Wording	Budget Multi-Trip Key Facts
Emigration Insurance (Gold & Silver)	Emigration Wording	Emigration Key Facts

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	First Class Wording	First Class Key Facts
Economy 500	Economy 500 Wording	Economy 500 Key Facts
Longstay	Longstay Wording	Longstay Key Facts
Backpacker	Backpacker Wording	Backpacker Key Facts
Medicare Extra	Medicare Extra Wording	Medicare Extra Key Facts
Annual Multi-Trip	Multi-Trip Wording	Multi-Trip Key Facts

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	First Class Wording	First Class Key Facts
Economy 500	Economy 500 Wording	Economy 500 Key Facts
Longstay	Longstay Wording	Longstay Key Facts
Backpacker	Backpacker Wording	Backpacker Key Facts
Medicare Extra	Medicare Extra Wording	Medicare Extra Key Facts
Annual Multi-Trip	Multi-Trip Wording	Multi-Trip Key Facts

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	First Class Wording	First Class Key Facts
Economy 500	Economy 500 Wording	Economy 500 Key Facts
Longstay	Longstay Wording	Longstay Key Facts
Backpacker	Backpacker Wording	Backpacker Key Facts
Medicare Extra	Medicare Extra Wording	Medicare Extra Key Facts
Annual Multi-Trip	Multi-Trip Wording	Multi-Trip Key Facts

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	First Class Wording	First Class Key Facts
Economy 500	Economy 500 Wording	Economy 500 Key Facts
Longstay	Longstay Wording	Longstay Key Facts
Backpacker	Backpacker Wording	Backpacker Key Facts
Medicare Extra	Medicare Extra Wording	Medicare Extra Key Facts
Annual Multi-Trip	Multi-Trip Wording	Multi-Trip Key Facts

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