^ The level of cover You choose applies per policy.
* Sub-limits apply.
# Limits apply.
• Item limit applies for any one item, set or pair of items including attached and unattached accessories. You may increase these items limits if You wish.
† Maximum liability collectively is $45,000.
≈ A special excess will apply to Additional Expenses if You are diagnosed with COVID-19 on Your trip and Amendment or Cancellation Costs if You or Your travelling companion are diagnosed with COVID-19 on Your trip. If Your claim is under both sections, the higher special excess will be deducted. The special excess applies in addition to any other excess.
Please note: Limits, sub-limits and conditions apply. This is general advice only. Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations visit koganinsurance.com.au/useful-docs/.