![]() ![]() The 24-hour emergency assistance information. The policy cover section, which is split into “what we will pay for” and “what we won’t pay for”. ![]() On multiple occasions call centre staff gave inaccurate responses that overstated likely payouts while also stating that any advice was general in nature and that only the PDS would be legally binding.Ĭonsumer advocacy group Choice recommends specifically checking:Ī PDS’s table of benefits, which summarises your coverage. While reporting this story, Guardian Australia contacted several travel insurance company call centres to ask for clarification of payment guidelines. Why the PDS mattersĬalling and asking a potential insurer questions may not help. So whether you’re buying a policy for your next trip, or already have one, it’s essential to read the PDS before you depart – no matter how many mind-numbing pages of legalese it contains. The Australian Securities and Investments Commission (Asic) identified exactly this issue last year, when Allianz and AWP pleaded guilty to making false statements about travel insurance between 20. There are frequently differences between the top line payout numbers in travel insurance sales documents and the exceptions, exclusions, caps and other icebergs submerged in the fine print of a PDS. ![]() But insurers do not always make it easy for consumers to understand their coverage. ![]()
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