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Will i be covered if i have to return home early or cancel the trip due to family emergency at home?

Depends on the reason. We cover curtailment of the trip for the unexpected death of, or sudden serious injury or illness of, your, or your travelling companion’s relative who is resident in Australia or New Zealand and who is in Australia or New Zealand at the time the event occurs, or of your business associate who is resident in Australia and who is in Australia at the time the event occurs OR if there is a serious damage to your home or business premises in Australia. Read the PDS for more info.