Tsunami Warning, Pacific, including Vanuatu and New Caledonia 5 December 2018

5/12/2018

We are closely monitoring the tsunami warning issued following a shallow 7.5-magnitude earthquake near New Caledonia. Local and international media are reporting a serious threat of 3-metre tall waves along the coasts of islands in the Pacific, including New Caledonia and Vanuatu.

If you are in the affected areas and need emergency assistance call us on +61 3 9021 8026.

DFAT have issued a travel warning for New Caledonia. DFAT advise to follow the advice of local authorities and move to higher ground.

Local media are providing updates as the tsunami warning progresses. There have been no reports of flight or cruise cancellations. However, please view your travel provider’s website for their updates.

Policy Coverage

The below information was issued on 5 December 2018 and applies to your travel insurance policy with Kogan Insurance, underwritten by Hollard.

For policies issued prior to 3:30pm AEDT 5 December 2018 there is provision for cover as set out below under ‘How does this affect me?’

For policies issued after 3:30pm AEDT 5 December 2018 there is no cover for any claims arising from this event.

How does this affect me?

There is provision for cover under the following benefits of the policy subject to the policy terms and conditions, limits, Benefit exclusions and General Exclusions:

• Benefit 3 –Cancellation Fees and Lost Deposits

• Benefit 4 – Additional Expenses

• Benefit 13 – Travel Delay Expenses

• Benefit 14 – Special Events

Note there is no cover available for the above benefits unless your travel has been directly affected by the tsunami.

TIPS:

• If you are claiming additional expenses, make sure you keep a copy of all your receipts.

• If your travel was cancelled or delayed by a transport provider, you may be able to claim some of your meal and accommodation costs through them. Please check the terms and conditions of your transport provider’s ticket, and keep a copy of all their communication with you.

• The Kogan Travel Insurance PDS gives you all the information you need to make a travel claim. You can find a copy of the PDS at www.koganinsurance.com.au/useful-docs

Making a claim

If you don’t need emergency assistance, you can make a claim when you get back home. Contact us at travel.claims@koganinsurance.com.au or on 1300 034 888.

Remember:

• Take reasonable steps to minimise your claim. Contact your airline or Travel provider for assistance if you need to rearrange your travel plans.

• Keep your receipts and any other supporting documentation e.g. travel provider cancellation letters. If you are claiming for additional meal, accommodation, and travel costs, please ensure you retain copies of all of your expense receipts.

General Advice

For details about what your policy covers, please refer to your Product Disclosure Statement. Limits, conditions and exclusions may apply under your policy.

We will assess all claims in accordance with your Product Disclosure Statement (PDS) and your Certificate of Insurance. Your cover will depend on the type of plan you purchased and your particular circumstances.

Hurricane Michael, Eastern United States 10 October 2018

10/10/2018

We are closely monitoring the progress of Hurricane Michael as it approaches the East coast of the United States. Hurricane Michael is expected to make landfall at the end of this week as a Category 4 hurricane.

If you are in East United States and need emergency assistance call us on +61 2 8883 7078 or e-mail on hollardassist@ausassistance.com.au

DFAT have not issued a travel warning. There has been no change to the advice level and the Australian government is not recommending travellers amend their travel at this time.

Local media are providing updates as the hurricane progresses. There have been no reports of flight cancellations from and to the East United States. However, please view your flight provider’s website for their updates.

Policy Coverage

The below information was issued on 10 October 2018 and applies to your Real Travel Insurance policy, underwritten by Hollard.

This event constitutes a natural disaster event under our travel insurance policies and is considered to be an event or potential event known in the mass media as at 10:00am AEDT 10 October 2018.

For policies issued prior 10:00am AEDT 10 October 2018

You are covered for the following policy benefits (subject to the policy terms and conditions, limits, Benefit exclusions and General Exclusions):

• Section 1: Overseas emergency medical assistance (all policy types)

• Section 2: Overseas emergency medical and Hospital expenses (all policy types)

• Section 3: Cancellation fees and lost deposits

• Section 4: Additional expenses (Comprehensive and Annual Multi-Trip policies only)

There is no cover for Section 3: Cancellation fees and lost deposits or Section 4: Additional expenses unless your travel has been directly affected by the hurricane.

For policies issued after 10:00am AEDT 10 October 2018

There is no cover under any policy type for any claims arising from this event. You are covered for other claims that are not related to this event.

Making a claim

TIPS:

• If you are claiming additional expenses, make sure you keep a copy of all your receipts.

• If your travel was cancelled or delayed by a transport provider, you may be able to claim some of your meal and accommodation costs through them. Please check the terms and conditions of your transport provider’s ticket, and keep a copy of all their communication with you.

• The Real Travel Insurance PDS gives you all the information you need to make a travel claim. You can find a copy of the PDS at https://www.realinsurance.com.au/RealInsurance-Mk2/media/documents/pds/travel/real-insurance-travel-pds.pdf

If you don’t need emergency assistance, you can make a claim when you get back home. Contact us on +61 2 8883 7081.

Remember:

• Take reasonable steps to minimise your claim. Contact your airline or Travel provider for assistance if you need to rearrange your travel plans.

• Keep your receipts and any other supporting documentation e.g. travel provider cancellation letters. If you are claiming for additional meal, accommodation, and travel costs, please ensure you retain copies of all of your expense receipts.

General Advice

For details about what your policy covers, please refer to your Product Disclosure Statement. Limits, conditions and exclusions may apply under your policy.

We will assess all claims in accordance with your Product Disclosure Statement (PDS) and your Certificate of Insurance. Your cover will depend on the type of plan you purchased and your particular circumstances.

Typhoon Mangkhut (Ompong), The Philippines, Hong Kong, Taiwan 11 September 2018

12/09/2018

We are closely monitoring the progress of Typhoon Mangkhut as it approaches the Philippines, Hong Kong, and Taiwan. Typhoon Mangkhut is expected to make landfall at the end of this week as a Category 5 typhoon.

If you are in the Philippines, Hong Kong, or Taiwan and need emergency assistance call us on +61 2 8883 7078 or e-mail on hollardassist@ausassistance.com.au

DFAT have not issued a travel warning. There has been no change to the advice level and the Australian government is not recommending travellers amend their travel at this time.

Local media are providing updates as the typhoon progresses. There have been no reports of flight cancellations from and to the Philippines, Hong Kong, and Taiwan. However, please view your flight provider’s website for their updates.

Policy Coverage The below information was issued on 12 September 2018 and applies to your Real Travel Insurance policy, underwritten by Hollard.

This event constitutes a natural disaster event under our travel insurance policies and is considered to be an event or potential event known in the mass media as at 3:05am AEST 11 September 2018.

For policies issued prior 3:05am AEST 11 September 2018 You are covered for the following policy benefits (subject to the policy terms and conditions, limits, Benefit exclusions and General Exclusions):

• Section 1: Overseas emergency medical assistance (all policy types) • Section 2: Overseas emergency medical and Hospital expenses (all policy types) • Section 3: Cancellation fees and lost deposits • Section 4: Additional expenses (Comprehensive and Annual Multi-Trip policies only)

There is no cover for Section 3: Cancellation fees and lost deposits or Section 4: Additional expenses unless your travel has been directly affected by the typhoon.

For policies issued after 3:05am AEST 11 September 2018 There is no cover under any policy type for any claims arising from this event. You are covered for other claims that are not related to this event.

Making a claim TIPS:

• If you are claiming additional expenses, make sure you keep a copy of all your receipts. • If your travel was cancelled or delayed by a transport provider, you may be able to claim some of your meal and accommodation costs through them. Please check the terms and conditions of your transport provider’s ticket, and keep a copy of all their communication with you. • The Real Travel Insurance PDS gives you all the information you need to make a travel claim. You can find a copy of the PDS at https://www.realinsurance.com.au/RealInsurance-Mk2/media/documents/pds/travel/real-insurance-travel-pds.pdf

If you don’t need emergency assistance, you can make a claim when you get back home. Contact us on +61 2 8883 7081.

Remember: • Take reasonable steps to minimise your claim. Contact your airline or Travel provider for assistance if you need to rearrange your travel plans. • Keep your receipts and any other supporting documentation e.g. travel provider cancellation letters. If you are claiming for additional meal, accommodation, and travel costs, please ensure you retain copies of all of your expense receipts.

General Advice For details about what your policy covers, please refer to your Product Disclosure Statement. Limits, conditions and exclusions may apply under your policy.

We will assess all claims in accordance with your Product Disclosure Statement (PDS) and your Certificate of Insurance. Your cover will depend on the type of plan you purchased and your particular circumstances.

Hurricane Florence, Eastern United States 10 September 2018

10/09/2018

We are closely monitoring the progress of Hurricane Florence as it approaches the East coast of the United States. Hurricane Florence is expected to make landfall at the end of this week as a Category 4 hurricane.

If you are in East United States and need emergency assistance call us on +61 2 8883 7078 or e-mail on hollardassist@ausassistance.com.au

DFAT have not issued a travel warning. There has been no change to the advice level and the Australian government is not recommending travellers amend their travel at this time.

Local media are providing updates as the hurricane progresses. There have been no reports of flight cancellations from and to the East United States. However, please view your flight provider’s website for their updates.

Policy Coverage

The below information was issued on 10 September 2018 and applies to your Real Travel Insurance policy, underwritten by Hollard.

This event constitutes a natural disaster event under our travel insurance policies and is considered to be an event or potential event known in the mass media as at 9:33am AEST 10 September 2018.

For policies issued prior 9:33am AEST 10 September 2018

You are covered for the following policy benefits (subject to the policy terms and conditions, limits, Benefit exclusions and General Exclusions):

• Section 1: Overseas emergency medical assistance (all policy types)

• Section 2: Overseas emergency medical and Hospital expenses (all policy types)

• Section 3: Cancellation fees and lost deposits

• Section 4: Additional expenses (Comprehensive and Annual Multi-Trip policies only)

There is no cover for Section 3: Cancellation fees and lost deposits or Section 4: Additional expenses unless your travel has been directly affected by the hurricane.

For policies issued after 9:33am AEST 10 September 2018

There is no cover under any policy type for any claims arising from this event. You are covered for other claims that are not related to this event.

Making a claim

TIPS:

• If you are claiming additional expenses, make sure you keep a copy of all your receipts.

• If your travel was cancelled or delayed by a transport provider, you may be able to claim some of your meal and accommodation costs through them. Please check the terms and conditions of your transport provider’s ticket, and keep a copy of all their communication with you.

• The Real Travel Insurance PDS gives you all the information you need to make a travel claim. You can find a copy of the PDS at https://www.realinsurance.com.au/RealInsurance-Mk2/media/documents/pds/travel/real-insurance-travel-pds.pdf

If you don’t need emergency assistance, you can make a claim when you get back home. Contact us on +61 2 8883 7081.

Remember:

• Take reasonable steps to minimise your claim. Contact your airline or Travel provider for assistance if you need to rearrange your travel plans.

• Keep your receipts and any other supporting documentation e.g. travel provider cancellation letters. If you are claiming for additional meal, accommodation, and travel costs, please ensure you retain copies of all of your expense receipts.

General Advice

For details about what your policy covers, please refer to your Product Disclosure Statement. Limits, conditions and exclusions may apply under your policy.

We will assess all claims in accordance with your Product Disclosure Statement (PDS) and your Certificate of Insurance. Your cover will depend on the type of plan you purchased and your particular circumstances.

Typhoon Jebi, Japan 4 September 2018

5/9/2018

Typhoon Jebi made landfall over Osaka, Japan on 4 September 2018. The intensity of the typhoon decreased as it moved northwest into the Sea of Japan.

If you are in Japan and need emergency assistance call us on +61 2 8883 7078 or e-mail on hollardassist@ausassistance.com.au

There has been no change to the advice level for Japan issued by DFAT and the Australian government is not recommending travellers amend their travel at this time.

Local media are providing updates as the typhoon progresses. There have been reports of flight cancellations from and to Itami Airport in the Kansai region near Osaka. Please view your flight provider’s website for their updates.

Policy Coverage

The below information was issued on 5 September 2018 and applies to your Real Travel Insurance policy, underwritten by Hollard.

This event constitutes a natural disaster event under our travel insurance policies and is considered to be an event or potential event known in the mass media as at 2:55pm AEST 4 September 2018.

For policies issued prior 2:55pm AEST 4 September 2018

You are covered for the following policy benefits (subject to the policy terms and conditions, limits, Benefit exclusions and General Exclusions):

• Section 1: Overseas emergency medical assistance (all policy types)

• Section 2: Overseas emergency medical and Hospital expenses (all policy types)

• Section 3: Cancellation fees and lost deposits

• Section 4: Additional expenses (Comprehensive and Annual Multi-Trip policies only)

There is no cover for Section 3: Cancellation fees and lost deposits or Section 4: Additional expenses unless your travel has been directly affected by the hurricane.

For policies issued after 2:55pm AEST 4 September 2018

There is no cover under any policy type for any claims arising from this event. You are covered for other claims that are not related to this event.

Making a claim

TIPS:

• whether your policy was issued If you are claiming additional expenses, make sure you keep a copy of all your receipts.

• If your travel was cancelled or delayed by a transport provider, you may be able to claim some of your meal and accommodation costs through them. Please check the terms and conditions of your transport provider’s ticket and keep a copy of all their communication with you.

• The Real Travel Insurance PDS gives you all the information you need to make a travel claim. You can find a copy of the PDS at https://www.realinsurance.com.au/RealInsurance-Mk2/media/documents/pds/travel/real-insurance-travel-pds.pdf If you don’t need emergency assistance, you can make a claim when you get back home. Contact us on +61 2 8883 7081.

Remember:

• Take reasonable steps to minimise your claim. Contact your airline or Travel provider for assistance if you need to rearrange your travel plans.

• Keep your receipts and any other supporting documentation e.g. travel provider cancellation letters. If you are claiming for additional meal, accommodation, and travel costs, please ensure you retain copies of all of your expense receipts.

General Advice

For details about what your policy covers, please refer to your Product Disclosure Statement. Limits, conditions and exclusions may apply under your policy.

We will assess all claims in accordance with your Product Disclosure Statement (PDS) and your Certificate of Insurance. Your cover will depend on the type of plan you purchased and your particular circumstances.

Hokkaido, Japan Earthquake 5 September 2018

Updated on 07/09/2018

This advice applies to Customers who are affected by the 6.6 magnitude earthquake which occurred in North Japan at 3:08am local time on 5/9/18.

If you are in Japan and need emergency assistance call us on +61 2 8883 7078 or e-mail on hollardassist@ausassistance.com.au

Media reports are advising that 7 people have died in the earthquake following landslides in the area around Atsuma. There has been some structural damage to buildings in the main city Sapporo.

The domestic airport was temporarily closed and train services across Hokkaido have been suspended. Please view your travel provider’s website for their updates.

DFAT have not issued a warning at this time but please stay up to date at this time. Please stay up to date with the advice issued by DFAT at http://www.smartraveller.gov.au/

Policy Coverage

The below information was issued on 7 September 2018 and applies to your Real Travel Insurance policy, underwritten by Hollard.

This event constitutes a natural disaster event under our travel insurance policies and is considered to be an event or potential event known in the mass media as at 4:08am AEST 5 September 2018.

For policies issued prior to 4:08am AEST 5 September 2018

You are covered for the following policy benefits (subject to the policy terms and conditions, limits, Benefit exclusions and General Exclusions):

• Section 1: Overseas emergency medical assistance (all policy types)

• Section 2: Overseas emergency medical and Hospital expenses (all policy types)

• Section 3: Cancellation fees and lost deposits

• Section 4: Additional expenses (Comprehensive and Annual Multi-Trip policies only)

There is no cover for Section 3: Cancellation fees and lost deposits or Section 4: Additional expenses unless your travel has been directly affected by the earthquake.

For policies issued after 4:08am AEST 5 September 2018

There is no cover under any policy type for any claims arising from this event. You are covered for other claims that are not related to this event.

Making a claim

TIPS:

• If you are claiming additional expenses, make sure you keep a copy of all your receipts.

• If your travel was cancelled or delayed by a transport provider, you may be able to claim some of your meal and accommodation costs through them. Please check the terms and conditions of your transport provider’s ticket, and keep a copy of all their communication with you.

• The Real Travel Insurance PDS gives you all the information you need to make a travel claim. You can find a copy of the PDS at https://www.realinsurance.com.au/RealInsurance-Mk2/media/documents/pds/travel/real-insurance-travel-pds.pdf

If you don’t need emergency assistance, you can make a claim when you get back home. Contact us on +61 2 8883 7081.

Remember:

• Take reasonable steps to minimise your claim. Contact your airline or Travel provider for assistance if you need to rearrange your travel plans.

• Keep your receipts and any other supporting documentation e.g. travel provider cancellation letters. If you are claiming for additional meal, accommodation, and travel costs, please ensure you retain copies of all of your expense receipts.

General Advice

For details about what your policy covers, please refer to your Product Disclosure Statement. Limits, conditions and exclusions may apply under your policy.

We will assess all claims in accordance with your Product Disclosure Statement (PDS) and your Certificate of Insurance. Your cover will depend on the type of plan you purchased and your particular circumstances.

Hurricane Lane, Hawaii, United States 23 August 2018

23/08/2018

We are closely monitoring the progress of Hurricane Lane as it approaches Hawaii. While Hurricane Lane may not make landfall, gale-force winds and heavy rain have been predicted for the islands, with the greatest impact to the Big Island. The intensity of the hurricane is expected to decrease over the coming days, as it nears the islands.

If you are in Hawaii and need emergency assistance call us on +61 2 8883 7078 or e-mail on hollardassist@ausassistance.com.au

DFAT have issued a warning for Australians in Hawaii to monitor local news and weather reports, and to follow the instructions of local authorities. There has been no change to the advice level and the Australian government is not recommending travellers amend their travel at this time.

Local media are providing updates as the hurricane progresses. There have been no reports of flight cancellations from and to Hawaii. However, please view your flight provider’s website for their updates.

Policy Coverage

The below information was issued on 23 August 2018 and applies to your Real Travel Insurance policy, underwritten by Hollard.

This event constitutes a natural disaster event under our travel insurance policies and is considered to be an event or potential event known in the mass media as at 8:17am AEST 23 August 2018.

For policies issued prior 8:17am AEST 23 August 2018

You are covered for the following policy benefits (subject to the policy terms and conditions, limits, Benefit exclusions and General Exclusions):

• Section 1: Overseas emergency medical assistance (all policy types)

• Section 2: Overseas emergency medical and Hospital expenses (all policy types)

• Section 3: Cancellation fees and lost deposits

• Section 4: Additional expenses (Comprehensive and Annual Multi-Trip policies only)

There is no cover for Section 3: Cancellation fees and lost deposits or Section 4: Additional expenses unless your travel has been directly affected by the hurricane.

For policies issued after 8:17am AEST 23 August 2018

There is no cover under any policy type for any claims arising from this event. You are covered for other claims that are not related to this event.

Making a claim

TIPS:

• whether your policy was issued If you are claiming additional expenses, make sure you keep a copy of all your receipts.

• If your travel was cancelled or delayed by a transport provider, you may be able to claim some of your meal and accommodation costs through them. Please check the terms and conditions of your transport provider’s ticket, and keep a copy of all their communication with you.

• The Real Travel Insurance PDS gives you all the information you need to make a travel claim. You can find a copy of the PDS at https://www.realinsurance.com.au/RealInsurance-Mk2/media/documents/pds/travel/real-insurance-travel-pds.pdf

If you don’t need emergency assistance, you can make a claim when you get back home. Contact us on +61 2 8883 7081.

Remember:

• Take reasonable steps to minimise your claim. Contact your airline or Travel provider for assistance if you need to rearrange your travel plans.

• Keep your receipts and any other supporting documentation e.g. travel provider cancellation letters. If you are claiming for additional meal, accommodation, and travel costs, please ensure you retain copies of all of your expense receipts.

General Advice

For details about what your policy covers, please refer to your Product Disclosure Statement. Limits, conditions and exclusions may apply under your policy. We will assess all claims in accordance with your Product Disclosure Statement (PDS) and your Certificate of Insurance. Your cover will depend on the type of plan you purchased and your particular circumstances.

Lombok, Indonesia Earthquake 6 August 2018

Updated on 06/08/2018

This advice applies to Customers who are affected by the 6.9 magnitude earthquake which occurred in North Lombok at 7:45pm local time yesterday.

If you are in Indonesia and need emergency assistance call us on +61 2 8883 7078 or e-mail on hollardassist@ausassistance.com.au

DFAT have not issued a warning at this time but please stay up to date at this time. Please stay up to date with the advice issued by DFAT at http://www.smartraveller.gov.au/

Policy Coverage

The below information was issued on 6 August 2018 and applies to your Real Travel Insurance policy, underwritten by Hollard.

This event constitutes a natural disaster event under our travel insurance policies and is considered to be an event or potential event known in the mass media as at 9:45pm AEDT 5 August 2018.

For policies issued prior to 9:45pm AEST 5 August 2018

You are covered for the following policy benefits (subject to the policy terms and conditions, limits, Benefit exclusions and General Exclusions):

• Section 1: Overseas emergency medical assistance (all policy types) • Section 2: Overseas emergency medical and Hospital expenses (all policy types) • Section 3: Cancellation fees and lost deposits • Section 4: Additional expenses (Comprehensive and Annual Multi-Trip policies only)

Note that there is no cover for trip cancellation under any policy type. There is no cover for Section 4: Additional expenses unless your travel has been directly affected by the earthquake.

For policies issued after 9:45pm AEST 5 August 2018

There is no cover under any policy type for any claims arising from this event. You are covered for other claims that are not related to this event.

Making a claim

TIPS:

• whether your policy was issued If you are claiming additional expenses, make sure you keep a copy of all your receipts.

• If your travel was cancelled or delayed by a transport provider, you may be able to claim some of your meal and accommodation costs through them. Please check the terms and conditions of your transport provider’s ticket, and keep a copy of all their communication with you.

• The Real Travel Insurance PDS gives you all the information you need to make a travel claim. You can find a copy of the PDS at https://www.realinsurance.com.au/RealInsurance-Mk2/media/documents/pds/travel/real-insurance-travel-pds.pdf

If you don’t need emergency assistance, you can make a claim when you get back home. Contact us on +61 2 8883 7081.

Remember:

• Take reasonable steps to minimise your claim. Contact your airline or Travel provider for assistance if you need to rearrange your travel plans.

• Keep your receipts and any other supporting documentation e.g. travel provider cancellation letters. If you are claiming for additional meal, accommodation, and travel costs, please ensure you retain copies of all of your expense receipts.

General Advice

For details about what your policy covers, please refer to your Product Disclosure Statement. Limits, conditions and exclusions may apply under your policy.

We will assess all claims in accordance with your Product Disclosure Statement (PDS) and your Certificate of Insurance. Your cover will depend on the type of plan you purchased and your particular circumstances.

Volcanic Activity Mt Kilauea, Hawaii

07 May 2018

Updated on 18/05/2018

We have been closely monitoring the progress of the volcanic activity of Mt Kilauea in Hawaii since 4/05/2018. At around 4am on 18/05/2018, Mt Kilauea erupted again with an ash cloud reaching about 9000 metres.

An aviation red alert has been issued due to risks ash could be carried into aircraft routes. Please view your flight provider’s website for their updates.

If you are in Hawaii and need emergency assistance call us on +61288837078 or e-mail on hollardassist@ausassistance.com.au

DFAT have not issued a warning at this time but please stay up to date at this time. Please stay up to date with the advice issued by DFAT at http://www.smartraveller.gov.au/

Policy Coverage

The below information was issued on 7 May 2018 at 4:30pm and applies to your Real Travel Insurance policy, underwritten by Hollard.

This event constitutes a natural disaster event under our travel insurance policies and is considered to be an event or potential event known in the mass media as at 4:30pm AEDT 4 May 2018.

For policies issued prior to 04:30pm AEDT 4 May 2018

You are covered for the following policy benefits (subject to the policy terms and conditions, limits, Benefit exclusions and General Exclusions):

• Section 1: Overseas emergency medical assistance (all policy types)

• Section 2: Overseas emergency medical and Hospital expenses (all policy types)

• Section 4: Additional expenses (Comprehensive and Annual Multi-Trip policies only)

Note that there is no cover for trip cancellation under any policy type.

For policies issued after 4:30pm AEDT 4 May 2018 There is no cover under any policy type for any claims arising from this event. You are covered for other claims that are not related to this event.

Making a claim

TIPS:

• whether your policy was issued If you are claiming additional expenses, make sure you keep a copy of all your receipts.

• If your travel was cancelled or delayed by a transport provider, you may be able to claim some of your meal and accommodation costs through them. Please check the terms and conditions of your transport provider’s ticket, and keep a copy of all their communication with you.

• The Real Travel Insurance PDS gives you all the information you need to make a travel claim. You can find a copy of the PDS at https://www.realinsurance.com.au/RealInsurance-Mk2/media/documents/pds/travel/real-insurance-travel-pds.pdf If you don’t need emergency assistance, you can make a claim when you get back home. Contact us on +61 2 8883 7081.

Remember:

• Take reasonable steps to minimise your claim. Contact your airline or Travel provider for assistance if you need to rearrange your travel plans. • Keep your receipts and any other supporting documentation e.g. travel provider cancellation letters. If you are claiming for additional meal, accommodation, and travel costs, please ensure you retain copies of all of your expense receipts.

General Advice

For details about what your policy covers, please refer to your Product Disclosure Statement. Limits, conditions and exclusions may apply under your policy. We will assess all claims in accordance with your Product Disclosure Statement (PDS) and your Certificate of Insurance. Your cover will depend on the type of plan you purchased and your particular circumstances.

Volcanic Activity and Ash Cloud Mt Agung, Bali

27/11/2017 – Update to original Event Advice issued 21 September 2017 and subsequent update on 22 November 2017.

At 8:30pm AEDT (5:30pm local time) on Saturday 25 November 2017, Mt Agung in Bali, Indonesia, began a magmatic eruption resulting in a 3000m ash cloud. Flights departing and arriving at Lombok’s Bandar Udara International Airport and Denpasar’s Ngurah Rai International Airport have been delayed, diverted, and cancelled.

We are closely monitoring the progress of the volcanic activity of Mt Agung in Bali. The National Disaster Mitigation Agency advises the volcano’s alert status remains at the second-highest level. Further event advices will be available as this information changes.

Flights have been cancelled and delayed by Air Asia, Virgin Australia, QANTAS, Jetstar, and KLM. Local Indonesian and other airlines have also been affected. Disruptions to flights are expected over the coming days. Please review your airline’s flight status and travel alert pages for more information.

DFAT have issued releases on Sunday 26 November 2017 at 5:28am AEDT and 4:27pm AEDT regarding the ash cloud. There has been no change in the advice level for Indonesia and Bali, and DFAT continue to advise Australians to exercise a high degree of caution in Indonesia. Please stay up to date with the advice issued by DFAT at http://www.smartraveller.gov.au/.

If you are in Bali and need emergency assistance call us on +61 2 8883 7078.

Policy Coverage

The below information was issued on 22 November 2017 and applies to your Real Insurance Travel Insurance policy underwritten by Hollard.

For policies issued prior to 4:00pm AEDT 20 September 2017 there is provision for cover as set out below under 'How does this affect me?'

For policies issued after 4:00pm AEDT 20 September 2017 there is no cover for any claims arising from this event.

How does this affect me?

You are covered for the following policy benefits (subject to the policy terms and conditions, limits, Benefit exclusions and General Exclusions):

• Section 1: Overseas emergency medical assistance (all policy types)

• Section 2: Overseas emergency medical and Hospital expenses (all policy types)

• Section 4: Additional expenses (Comprehensive and Annual Multi-Trip policies only)

Note that there is no cover for trip cancellation under any policy type.

For policies issued after 2:00pm AEDT 22 November 2017

There is no cover under any policy type for any claims arising from this event. You are covered for other claims that are not related to this event.

Making a claim

If you don’t need emergency assistance, you can make a claim when you get back home. Contact us on 02 8883 7081 or email realtravelclaims@hollard.com.au.

TIPS

• whether your policy was issued If you are claiming additional expenses, make sure you keep a copy of all your receipts.

• If your travel was cancelled or delayed by a transport provider, you may be able to claim some of your meal and accommodation costs through them. Please check the terms and conditions of your transport provider’s ticket, and keep a copy of all their communication with you.

• Real Insurance PDS gives you all the information you need to make a travel claim. You can find a copy of the PDS at https://www.realinsurance.com.au/product-disclosure-statement/

Remember: • Take reasonable steps to minimise your claim. Contact your airline or Travel provider for assistance if you need to rearrange your travel plans.

• Keep your receipts and any other supporting documentation e.g. travel provider cancellation letters. If you are claiming for additional meal, accommodation, and travel costs, please ensure you retain copies of all of your expense receipts.

General Advice

For details about what your policy covers, please refer to your Product Disclosure Statement. Limits, conditions and exclusions may apply under your policy.

We will assess all claims in accordance with your Product Disclosure Statement (PDS) and your Certificate of Insurance. Your cover will depend on the type of plan you purchased and your particular circumstances.