Policies & Procedures

Welcome to Europ Assistance Australia’s Policy Hub. Here you can find our latest policies about our travel insurance products and additional services and support for our travellers.

Flight Centre Travel Insurance Policy Wordings

To know more about how Europ Assistance can help with your Flight Centre Travel Insurance policy, read through our policies and procedures available below.  

 

Please note: With effect from 11 July 2025, Europ Assistance Australia Ptd Ltd (“EAA”), registered business address, and principal place of business, will change to Level 9, 35 Clarence Street. Sydney NSW 2000, Australia . This address replaces EAA’s street address as set out in the PDS.

Previous Policies

To find out the PDS related to your purchase date, please check the email you received when you made your purchase or reach out to our customer service team for help in obtaining the correct document.

Combined Financial Services Guide and Product Disclosure Statement
Flight Centre Australia - Combined Financial Services Guide and Product Disclosure Statement
Valid from 01/04/2025 to 25/11/2025
Flight Centre Australia - Combined Financial Services Guide and Product Disclosure Statement
Valid from 09/10/2024 to 31/03/2025
Target Market Determination
Flight Centre Australia - Target Market Determination​
Valid from 01/04/2025 to 25/11/2025
Flight Centre Australia - Target Market Determination​
Valid from 09/10/2024 to 31/03/2025

Policies

Europ Assistance Australia
Europ Assistance Australia

Our commitment to you​

What to do if you’re unhappy with our service

We are committed to resolving your complaints and expressions of dissatisfaction with care. Whether the complaint or feedback is about our products or service, we can help.    

Complaints are an important way to learn from our customers’ experience and help prevent similar events from occurring in the future. This will improve product features and the overall claims experience.  

Europ Assistance is committed to:  

  • listening carefully to your situation; 
  • being honest, upfront, and transparent about our products and services;
  • communicating with you openly and fairly; and,
  • resolving any complaints or concerns you have with us.  

Commitment to Customer Satisfaction​

At Europ Assistance, the satisfaction of customers is our utmost priority. The quality of our service is important to us, which is why we strive to constantly improve our quality level. This is part of our commitment to the General Insurance Code of Practice.

Any customer is entitled to make a complaint and will be handled in an honest, transparent and timely manner. When a customer first lets us know about a complaint or concern, we will:

  • Acknowledge and escalate the complaint or concern through to a senior member of our management team.
  • Review and investigate the claim within 24 hours or as soon as practicable. Provided we receive all the information required, we endeavour to provide a response to the complaint via email within 5 business days.
  • If we require more information or time to respond to a complaint, we will directly contact the customer and agree on an appropriate timeframe to respond. 
  • Should we not be able to come to a resolution within 5 business days, your matter will be separately reviewed by our Internal Disputes Resolution team.

Additional resources are available if you are hearing and speech impaired. Hearing and speech impaired customers can contact the National Relay Service on 1800 555 727.

Customers requiring translation assistance can contact the Translating and Interpreting Service on 131 450 and request they contact us on the customers behalf.

Complaints and our Internal Dispute Resolution process​

At Europ Assistance Australia, our customers are at the heart of everything we do. We’re committed to supporting you with empathy, fairness, and care.

If something hasn’t gone to plan, we want to hear about it. Your feedback helps us improve and ensures we continue to deliver the service you expect.

How to contact us:

Our Customer Complaints Policy explains how you can make a complaint and what you can expect from us. We aim to make the process as smooth as possible by being accessible, responsive, and transparent.

If we haven’t resolved your complaint within 30 calendar days, or if you’d prefer to escalate it sooner, you can contact the Australian Financial Complaints Authority (AFCA). AFCA provides a free, independent service for customers and certain third parties under its Complaint Resolution Scheme Rules.

AFCA contact details:

  • Phone: 1800 931 678 (Free Call)
  • Email: info@afca.org.au
  • Address: GPO Box 3, Melbourne VIC 3001
  • Website: www.afca.org.au

Travel Insurance Cancellation Cover

Cooling Off Period

When purchasing our travel insurance, we offer a 21-day cooling-off period in case you change your mind. If you decide this cover isn’t suitable, you can cancel your policy within 21 days of purchase, provided:

  • You haven’t made any claims or exercised any other rights under the policy.
  • Your trip hasn’t commenced.

Simply contact your issuing agent to request a cancellation, and we’ll provide a full refund of your premium. Please note that once a policy is cancelled, it cannot be reinstated or used.

 

Cancelling Outside the Cooling Off Period

If you cancel your policy after the 21-day cooling-off period or once your trip has started, we may refund part of your premium for the remaining cover period. This refund will exclude any government charges and taxes we can’t recover, and you must not have made a claim or used the policy.

The date of cancellation will mark the end of your policy, and no further cover will apply.

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