You can purchase a number of upgrades to your base policy to increase some of the aspects of cover: Pre-existing medical condition – to include cover for claims relating to a pre-existing medical condition of someone on the policy. Age extension cover – to extend cover to include people aged 70 years or over. Guest cover – to include cover for someone travelling with you, who is not automatically eligible for base policy cover. Extended trip cover – to increase the standard length of cover provided on your policy for individual trips. Cancellation limit extension – to increase the standard limit provided under the Cancellation, Cutting short your trip and abandonment cover under the Delayed departure section of your policy. Additional sports and leisure activities – to include cover while taking part in one of the listed higher risk sports and activities. Business cover – to include additional cover for your business equipment and samples or for a colleague to replace you if you cannot continue your business trip. Golf cover – to include additional cover for your golf equipment or loss of pre-paid green fees. Wedding cover – to include additional cover for the wedding couple's attire, rings, gifts and photographs / videos of the wedding. The decision of when you should purchase your upgrade(s) is entirely up to you. You may want to hold off purchasing until you’re fully aware of you travel plans. This ensures you won’t be buying cover that you’ll not be needing immediately. Alternatively you may prefer to purchase in advance, to give you the flexibility of making last minute arrangements. Purchasing is quick and easy using the Allianz Assistance Hub, which can be accessed through your mobile banking app or via Internet Banking. You can also contact our Membership Services team by phone or email using the details in your banking documents.   Remember there may be purchase restrictions on some upgrades if you have already started your trip. Please refer to the Upgrades and endorsements  section of your policy for more details. Other FAQs about upgrades can be found in General FAQs.