GLOBAL TRAVELLER INSURANCE DISCLAIMER

Last Updated: 01/08/2026. Please read this insurance disclaimer carefully before purchasing, activating or using a Global Traveller membership. By purchasing, activating or using a Global Traveller membership, you acknowledge that you have read and understood the Insurance Disclaimer..

1. Global Traveller Is Not Insurance

Global Traveller is a travel assistance, information, coordination and support membership service provided by Stratum Global Risk. Global Traveller membership is not an insurance policy, does not provide insurance cover and is not a substitute for travel insurance, medical insurance or any other form of insurance. Membership does not create an insurer–insured relationship between the member and Stratum Global Risk or any company involved in providing the Global Traveller service.

2. What Global Traveller Provides

Global Traveller provides members with access to travel assistance and support services in accordance with the applicable Global Traveller Membership Terms. Depending on the circumstances, this may include providing information, identifying suitable service providers, coordinating assistance, supporting communications, facilitating medical or security assistance, or helping arrange services on behalf of a member. The provision or coordination of assistance does not mean that Global Traveller or Stratum Global Risk is responsible for paying the costs associated with that assistance.

3. Third-Party Costs

Unless expressly stated as included within your membership, third-party costs are not included in the Global Traveller membership fee. These costs may include, but are not limited to:

• medical consultations, treatment and hospitalisation;

• medicines and medical supplies;

• ambulance services;

• medical evacuation;

• repatriation;

• air ambulance or specialist transport;

• commercial flights or other transportation;

• accommodation;

• security services;

• ground transportation;

• specialist professional services; and

• any other goods or services supplied by a third party.

You remain responsible for all such costs incurred on your behalf unless they are accepted and paid by your insurer, employer, payment card provider or another responsible third party. Where appropriate, Global Traveller may assist you in communicating or coordinating with your insurer or another third party. However, Global Traveller cannot guarantee that any insurer or third party will authorise, reimburse or pay a particular cost.

4. Travel Insurance

We strongly recommend that every Global Traveller member obtains and maintains appropriate travel insurance for the entire duration of their travel. Your insurance should be suitable for your destination, activities, personal circumstances and duration of travel and should provide appropriate levels of protection for matters including emergency medical treatment, medical evacuation and repatriation.

You are responsible for reviewing your insurance policy and ensuring that it provides appropriate protection for your individual circumstances. Global Traveller does not assess the suitability, adequacy or validity of your personal insurance arrangements.

5. Assistance Is Separate From Insurance

Global Traveller may be able to assist you regardless of whether you hold travel insurance. However, your ability to access Global Traveller assistance should not be interpreted as confirmation that any associated cost will be paid by Global Traveller. For example, Global Traveller may assist in identifying an appropriate medical facility, coordinating an evacuation or arranging transportation, while the resulting third-party costs remain payable by you or, where accepted, your insurer or another responsible party.

6. Insurance Decisions and Claims

Global Traveller does not determine insurance coverage, approve insurance claims or guarantee reimbursement by an insurer. Any decision concerning whether a particular event, treatment, service or expense is covered under an insurance policy is a matter between you and your insurer and will be subject to the terms, exclusions, limits and conditions of that policy.

7. Your Acknowledgement

By purchasing, activating or using Global Traveller membership, you acknowledge and agree that:

Global Traveller is a travel assistance and support membership service and is not insurance; Global Traveller membership does not replace the need for appropriate travel insurance; you remain responsible for third-party costs unless those costs are expressly included within your membership or are accepted for payment by your insurer or another responsible third party; and you are responsible for ensuring that you have appropriate insurance arrangements for your individual travel requirements.

This Insurance Disclaimer should be read together with the applicable Global Traveller Membership Terms and Conditions.