TRAVEL INSURANCE FOR EUROPE

WHY BUY WITH ZOOM

• Do I have to tell you about every country that I visit?

• We prefer you to list all the countries that you are visiting individually, but understand that sometimes you may not have your full itinerary mapped out in advance.  With country borders within such close proximity, some travellers prefer a loose itinerary and want spontaneity when they travel, and we don't want to stop that.  So just make sure you add Europe to your destination if you think you're likely to pop to a few to extra countires to be sure you're covered.

• Am I covered for a European cruise?

• Whether you're visiting the Mediterranean ports of Italy, France, Spain and Greece, plan to cruise farther north and sail the Norwegian fjords, or cruise along the Danube, you must select our cruise add-on to be covered when on a cruise ship.
  
  Cruise coverage can be added in just one click to your travel insurance policy, which covers any onboard medical treatment, as well as helicopter exacuations if you need emergency medical assistance.

• Is it safe to travel around Europe?

• With uncertainty around the refugee situation in Europe and an increase in terrorist threats making headlines, it's understandable that many travellers are asking whether certain European countries are safe to visit.  The reality is that there are many safe, beautiful holiday destinations in Europe to enjoy.
  
  Smart Traveller, provides travel advisories and recommendations on travel to Europe by country, so it is recommended that travellers register their trip details and sign up for any updates for their destination.  See Travel Smart for general advice for all travellers.
  
  It's important to note that border security has tightened across Europe, so you’ll need to carry your passport when crossing borders.

• Am I covered for sailing around the Greek Islands?

• Check out our Sports and Activities Cover to find out what we cover when it comes to sailing.

• What happens if I need medical assistance in Europe?

• Zoom provides immediate support through our emergency assistance provider, First Assistance. Help is just a phone call away any time of day 365 days a year. This includes access to medical advisors, medical transfers, emergency evacuation and translators if required. We also assist with passing on messages to family and returning unsupervised dependants back to Australia.

• How do alcohol and drugs affect my cover?

•  When it comes to alcohol we advise you to drink in moderation. One too many Ouzo could see you jeopardizing your cover. Please note that we may exclude any claims where excessive drugs or alcohol have been involved.

• I have high value items; how much can I insure them for?

• If you have an expensive item that you just can’t leave behind you can insure it separately. Please note that high value item cover is only available under our comprehensive plan.

• Am I covered for pre-paid tour bookings?

• Yes, with hundreds of European day tours on offer and iconic must-see sights to tick off, you can take comfort knowing that your pre-paid tour bookings are covered if you had to cancel your trip due unforeseen circumstances outside of your control.

COMPARE EUROPE TRAVEL INSURANCE

COMPARE PLANS (Benefits are per adult) Expand to see benefits & limits in detail	Medical Only	Standard	Comprehensive
Emergency	included	included	included
24/7 Emergency Assistance Service	included	included	included
24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
Medical	unlimited	unlimited	unlimited
Overseas Emergency Medical & Hospital ExpensesSO	unlimited	unlimited	unlimited
Provides cover for unexpected overseas medical and hospital expenses incurred if you are injured or become sick overseas.
Dental ExpensesO	$1,000	$1,000	$1,000
Cover for unexpected dental treatment required overseas for the relief of sudden and acute pain to sound and natural teeth.
Repatriation Of RemainsO	$25,000	$25,000	$25,000
Cover for a funeral or cremation overseas, or repatriation of your remains back to Australia.
Hospital Cash AllowanceSO		$2,500	$5,000
An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
Permanent DisabilityO			$25,000
A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip (no excess applies).
Loss of IncomeSO			$10,400
Weekly payment you received if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work in your usual occupation for more than 30 days after returning to Australia. (no excess applies)
Luggage & Personal Items		$5,000	$10,000
Travel Documents & Transaction CardsO		$2,000	$5,000
Reimburses you for the cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
Luggage & Personal EffectsAS		$5,000	$10,000
Cover for your own personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
Theft of CashPO			$250
Reimburses you for cash, bank notes, currency notes, or money orders stolen whilst on your person during your journey.
Luggage & Personal Effects Delay ExpensesASO			$500
Cover to purchase essential clothing and personal items if your luggage and personal effects have been delayed, misdirected or misplaced by your carrier for more than 12 hours.<br/> <br/> $250 if your luggage is delayed for less than 7 days. $500 if your luggage is delayed for more than a week. (no excess applies)<br/>
Cancellation & Delay		chosen limit	chosen limit
Pre-Departure Cancellation Fees & Lost DepositsPS		chosen limit	chosen limit
Cover for cancellation fees and lost deposits for pre-paid travel arrangements if you cannot travel due to unexpected events which are outside your control, such as sickness, injuries, strikes and natural disasters.
Pre-Departure Amendments to JourneyA			$2,000
Cover for additional travel expenses that you incur and cannot recover when you need to amend your journey due to illness or injury, hospitalisation of a relative, or your scheduled or connecting transport is cancelled or delayed due to weather, strikes, riots, or a natural disaster.
On-trip Disruption		chosen limit	chosen limit
On-trip Cancellation Fees & Lost DepositsPS		chosen limit	chosen limit
Cover for your pre-paid travel arrangements if your trip is cancelled or cut short due to one of the unexpected events covered by the policy, such as illness, accidents and extreme weather.
Additional Accommodation & Travel Expenses — Family Emergency — Emergency Companion CoverAS		$10,000	$25,000
Reimburses you for your additional accommodation and travel expenses if your trip is disrupted by an event covered by the policy. For example, injury or illness, lost passport, or your scheduled or connecting transport is cancelled or delayed due to extreme weather, strikes, riots, or a natural disaster.<br> <br> There is no provision to claim Family Emergency for relatives living outside of Australia or relatives aged 85 or over. (no excess applies)
Travel Delay ExpensesS			$2,000
Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
Special Event Transport ExpensesO			$2,000
Reimburses you for additional travel expenses to reach a special event (wedding, funeral, prepaid conference, concert, music festival, sporting event, or a tour lasting more than two consecutive nights) on time.
Other	$2,500,000	$2,500,000	$5 million
Personal LiabilityP	$2,500,000	$2,500,000	$5 million
Protection for you being legally liable for unintentionally injuring other people or causing damage to their property, including legal defence costs (with our prior consent).

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