We do not provide advice based on any consideration of your objectives, financial situation or needs. Terms, conditions, limits and exclusions apply to your product. Please see the relevant Product Disclosure Statement/Information Booklet and any other documents we may have provided to you for full details of your cover. Travel Insurance is arranged and managed and claims are handled by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631 as agent for the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708.