When does the policy start?

Instant Cover

One of the benefits of purchasing online is that you are instantly covered for cancellation (conditions apply). The rest of your policy benefits commence from the start date listed on your Certificate of Insurance.
 
Once you have bought a policy, you will receive a confirmation SMS and email from us that will include your Certificate of Insurance and a copy of the Product Disclosure Statement.
 
Your policy information is also available in the Tripwise app.
 

14 Day Cooling-off Period

You have 14 days from purchase to consider if the policy is right for you. You can cancel within the first 14 days by logging in with your username and password and selecting the option to cancel your policy. You will receive a full refund of the premium you paid provided that: you haven’t started your trip, you have not and do not wish to make a claim or use any other right under the policy.  Once the 14 days have passed, the start date on your policy has passed and/or if you wish to claim on your policy, you won’t be able to cancel and obtain a refund.
 

Buying in advance

You can buy either The Basics, The Works or a Domestic policy with TID up to 12 months before you’re due to depart.
 
Annual Multi-Trip policies can be purchased 30 days prior to the start of your 12-month policy period.
 

Covering Cancellation

Many travellers choose to take out their policy when they have made deposits on their trip or have paid it in full as cancellation cover is active from the time of purchase until your policy end date.
 
All other policy benefits are effective from the departure date shown on your Certificate of Insurance until the earlier of your policy end date or when you return home. (Under an AMT policy, all other policy benefits start on the date you leave home on each trip until the earlier of the date you return home or on the 38th day for a leisure trip and the 90th day for a business trip.)
 
There is provision to claim for the value of unused pre-paid accommodation and travel arrangements if you need to cancel your trip due to unforeseen or unforeseeable events outside of your control. Please refer to the Product Disclosure Statement for more information about Section 2: Cancellation costs, its conditions and exclusions and applicable General Exclusions.
 
Please refer to the PDS available on our website for further information about the benefits, terms, conditions, limitations and exclusions that apply.
 

This article was written by Travel Insurance Direct.
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