Travel Insurance Disclaimer & Terms

The insurance policy is a contract between the insured traveller and the relevant insurer. The insurer determines coverage, exclusions, claim eligibility, limits, deductibles and settlement. KD Holidayz is not the insurer unless expressly stated in writing.

Payment of an insurance premium does not guarantee that a claim will be accepted. Coverage depends entirely on the policy terms, conditions, exclusions, limits and circumstances of the claim.

Customers should read the policy schedule, certificate, wording, exclusions, geographical coverage, benefit limits, deductibles and claim procedures before travel. Customers should contact the insurer directly for clarification of coverage.

Customers must provide accurate information when purchasing insurance, including traveller details, age, destination, travel dates, medical or other information where required by the insurer. Incorrect or incomplete information may affect coverage or claims.

Customers must ensure that the insurance policy covers the complete intended travel period and applicable destinations. Changes to travel dates or itinerary may require policy amendment or additional premium, subject to insurer rules.

Coverage for pre-existing medical conditions, if any, depends on the specific insurance policy. Customers should carefully review the relevant definitions, exclusions and disclosure requirements before purchasing the policy.

Any trip cancellation, curtailment or interruption benefit is subject to the insurer's policy conditions, covered reasons, documentation requirements, limits and exclusions. A travel booking being cancelled does not automatically mean that an insurance claim will be payable.

Loss, theft, delay or damage to baggage or personal belongings is covered only if the applicable policy provides such coverage and the claim satisfies its conditions. Customers should obtain appropriate reports and supporting documents where required.

Delay, missed connection or related benefits are subject to the specific policy wording and applicable thresholds. Airline compensation and insurance benefits are separate matters and may be subject to different rules.

Coverage may be affected by destination restrictions, government advisories, sanctioned territories, adventure activities, hazardous sports or other exclusions. Customers should verify coverage for their specific itinerary and activities before travel.

Obtaining travel insurance does not guarantee visa approval. Similarly, a visa requirement or proof of insurance requirement does not mean that every insurance policy will satisfy the requirements of a particular embassy or immigration authority. Customers should verify any required minimum coverage.

Insurance coverage for pandemics, epidemics, natural disasters, war, terrorism, civil unrest, strikes, government restrictions and other exceptional events depends entirely on the specific policy. Customers should not assume such events are covered.

Where the policy provides emergency assistance, customers should follow the insurer's specified procedure and contact the insurer or assistance provider using the details in the policy. KD Holidayz may assist with communication where reasonably possible but cannot guarantee claim approval or emergency assistance outcomes.

Customers are responsible for notifying the insurer within the time specified in the policy and providing required evidence such as medical reports, police reports, airline documents, receipts, booking records or other supporting documents.

All claims are assessed and settled by the insurer. KD Holidayz cannot approve, reject, quantify or guarantee an insurance claim unless expressly authorised by the insurer to perform a specific administrative role.

Customers should retain the insurer's emergency assistance number, policy number and claim instructions during travel. In a genuine emergency, customers should seek immediate appropriate assistance and notify the insurer as soon as reasonably possible where required.

Insurance premiums and cancellation/refund conditions are governed by the insurer's terms. Once a policy has been issued, the premium may be non-refundable or refundable only under specified circumstances.

Where insurance is arranged through a third-party provider, that provider's privacy policy, terms, policy wording and claims process will apply. KD Holidayz is not responsible for the provider's independent processing or claim decision, subject to applicable law.

Insurance applications and claims may require personal, medical or other sensitive information to be provided to the insurer or authorised assistance provider. Such information will be handled in accordance with applicable law and the relevant provider's privacy terms.

KD Holidayz may assist with selecting, arranging or communicating insurance options but does not control the insurer's underwriting, policy terms, claim investigation, claim approval, settlement or payment. Nothing in this disclaimer excludes rights or liabilities that cannot lawfully be excluded.

KD Holidayz, Registered Proprietorship

By purchasing or requesting travel insurance through KD Holidayz, the customer acknowledges that the insurer's policy wording governs coverage and claims and that KD Holidayz cannot guarantee the acceptance, amount or timing of any insurance claim.