Global Programs travel insurance

Policy cover

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• Medical expenses

  UTS travel insurance provides cover for medical emergency including injury or illness that occurs during your approved travel period, including emergency treatment and evacuation where required.

  A medical emergency under the policy is an unexpected bodily injury or sickness occurring during approved travel that requires immediate medical treatment, hospitalisation, evacuation or repatriation, as determined by a doctor and the insurer’s emergency assistance provider.

  Covered:

  • Medical expenses incurred due to injury/sickness during the approved travel period
  • Medical expenses incurred in transiting countries 
  • Prescribed medicines by a legally qualified medical practitioner
  • Medical emergencies – for example, dental or optical emergencies – requiring immediate medical attention

  Exclusions:

  • Expenses incurred outside the approved cover period
  • Vaccinations and other preventative treatments
  • Over-the-counter medicine

• Pre-existing conditions

  A pre-existing medical condition is any medical condition for which an Insured Person has received treatment or prescribed medication from a medical practitioner in the six (6) months prior to the Insured Person's travel.

  • Costs relating to any emergencies arising out of pre-existing conditions are covered.
  • Costs incurred to manage or treat a pre-existing medical condition are not covered. For example, costs of scheduled check-ups/treatment, maintaining ongoing pharmaceutical treatment, or other planned expenses.

  If you have a pre-existing medical condition, you need to seek a ‘fit to fly’ certificate from your treating practitioner within 5 days before your travel. Keep the ‘fit to fly' certification with you for your own records during travel.

  The policy will provide cover for unexpected and unforeseen medical emergencies arising from your pre-existing conditions if you are approved for travel.

  Disclaimer 1 - the Insurer will assess the claim and retains the right to:

  • Agree to insure, or 
  • Partially insure, or 
  • Decline to insure the proposed travel

  Disclaimer 2 - all costs associated with the assessment and any additional premium are the responsibility of the traveller. These costs are not covered by the University.

  If there are any questions or concerns, contact insurance@uts.edu.au

• Travel disruptions

  Flights or accommodation booking cancellations:

  Students should contact the airlines and accommodation providers before making any changes. Additional costs incurred due to unforeseen circumstances may be covered subject to responses received from the providers.

  Returning home due to illness or death of a relative:

  Before booking your flights, notify insurance@uts.edu.au to confirm cover. For assistance with booking a return flight, you can contact International SOS.

  A relative means the spouse, parent, parent-in-law, grandparent, stepparent, child, stepchild, grandchild, brother, brother-in-law, sister, sister-in-law, daughter-in-law.

• General expenses

  Personal items:

  • The policy covers accidental loss or damage of accompanied luggage, personal effects, and portable business equipment (including laptops and mobile phones) that occurred during the approved travel period. 
  • Mislaid luggage by any carrier for more than 6 consecutive hours.
  • Travel documents for the non-recoverable cost of replacement.
  • Credit card frauds.
  • Money - cash, bank or currency notes, cheques, etc.
  • Each personal item has a limit of $5,000. If you have any item valued at more than $5,000, notify insurance@uts.edu.au 

  Note: All portable electronic devices should be placed in your carry-on baggage to be covered. They cannot be checked in. 

  Sporting activities:

  • Activities considered low risk (e.g. tennis, running, walking, etc.) are covered provided there is no monetary reward for your participation.
  • Activities considered high risk (e.g. sky diving) are not covered.

  If unsure, contact insurance@uts.edu.au before participating.