What is a Target Market Determination (TMD)?
Go Insurance provides Australian travel insurance at goinsurance.com.au. A Target Market Determination (TMD) is a document that sets out the class of consumers a product has been designed for. It helps distributors understand who a product is intended to be distributed to.
Preparing a TMD forms part of the design and distribution obligations for a product. It sets out distribution conditions and restrictions, as well as reporting requirements for distributors. You can read more in our Product Design and Distribution Policy.
A TMD is not a PDS — and it’s not advice
A TMD is not a Product Disclosure Statement (PDS). It doesn’t provide a full summary of the product’s features or the terms and conditions that apply. Importantly, it doesn’t provide personal advice — in preparing it, we haven’t taken into account anyone’s objectives, financial situation or needs. For the full terms, always read the PDS. The PDS includes our Financial Services Guide.
Our Target Market Determinations
Access the current TMD for Go Insurance Leisure, Go Ultra, Group, Corporate and Inbound travel insurance products below.
Leisure Travel Insurance
For individuals and families purchasing leisure travel cover.
Go Ultra Travel Insurance
For travellers choosing our highest tier of leisure cover, including Cancel For Your Reason (CFYR).
Corporate Travel Insurance
For businesses arranging cover for travelling employees.
Inbound Travel Insurance
For non-residents visiting or living in Australia.
Any queries about a TMD?
If you have any questions in relation to our Target Market Determinations, please get in touch and our team will be happy to help.
Frequently asked questions
What Australian travellers most often ask about Target Market Determinations.
What is a Target Market Determination?
A TMD is a document that sets out the class of consumers a product has been designed for. It helps distributors understand who the product is intended to be distributed to, and forms part of our design and distribution obligations.
Is a TMD the same as a PDS?
No. A TMD isn’t a Product Disclosure Statement, and it doesn’t summarise all the product’s features, terms or conditions. For the full detail, always read the PDS.
Does a TMD give me personal advice?
No. A TMD is general information only. In preparing it, we haven’t taken into account anyone’s objectives, financial situation or needs.
Which Go Insurance products have a TMD?
Leisure, Go Ultra, Group, Corporate and Inbound travel insurance each have a TMD, all available to download above.
How often are TMDs reviewed?
We review each TMD regularly, and also whenever an event or circumstance suggests the determination may no longer be appropriate. Every TMD carries its version number and effective date on the document itself, so you can confirm you’re reading the current one.
Do I need to read the TMD before I buy?
You don’t have to, but it’s worth a look. The TMD tells you who the product was designed for, which helps you judge whether it’s likely to suit your situation before you read the full terms in the PDS.
Where can I find the full policy terms?
The Product Disclosure Statement (PDS) sets out the full terms, conditions, limits and exclusions for each product. You’ll find them in our PDS library.
Who do I contact about a TMD?
Call us on 1300 819 888, or from overseas on +61 7 3481 9888, or email customerrelations@goinsurance.com.au and we’ll be happy to help.