Limits, sub-limits, conditions and exclusions apply. SGIO Travel insurance is issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507) (“ZAIL”). Cover-More Insurance Services Pty. Ltd. (ABN 95 003 114 145, AFSL 241713) acts under a binder authority from ZAIL. Cover-More will administer the policies and arrange for the issue of insurance on behalf of ZAIL. Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as SGIO will arrange for the issue of SGIO Travel Insurance. This is general advice only. To see if the product is right for you, always consider your own needs, financial situation and the Product Disclosure Statement.