TRAVEL INSURANCE DISCLAIMER

FJ Heavenly Travel Pty Ltd — ABN 72 679 734 313

1. Travel Insurance Recommendation

FJ Heavenly Travel Pty Ltd strongly recommends that all customers obtain appropriate travel insurance before participating in any conference, retreat, bus tour, accommodation booking, travel package or travel-related experience.

2. Insurance Is Not Included Unless Stated

Travel insurance is not included in our prices unless expressly stated in writing.

If insurance is included or arranged through a third-party provider, the insurer’s own policy terms, exclusions, limits and claims process apply.

3. Why Insurance Is Important

Travel insurance may assist with risks such as:

• cancellation;

• illness;

• injury;

• medical expenses;

• lost baggage;

• travel delay;

• missed connections;

• emergency evacuation;

• supplier failure;

• personal liability;

• theft;

• family emergency;

• disruption due to weather or other events.

Coverage depends on the insurance policy selected.

4. Customer Responsibility

You are responsible for choosing insurance suitable for your needs, destination, health, age, activities, cancellation risk and travel arrangements.

You should read the Product Disclosure Statement and policy wording before purchasing insurance.

5. Pre-Existing Medical Conditions

Insurance policies may exclude pre-existing medical conditions unless declared and accepted by the insurer.

You are responsible for disclosing relevant health information to the insurer.

6. No Insurance Advice

Unless we are specifically authorised to provide insurance advice, any information we provide about travel insurance is general information only and not personal financial advice.

You should seek advice from a licensed insurance provider or financial adviser if needed.

7. No Liability for Uninsured Loss

FJ Heavenly Travel Pty Ltd is not responsible for losses that could have been covered by travel insurance, except where required by law.