Who else still holds the Citibank Free For Life Premier Card?

Seems like those interpretations are not correct.

So I just called Allianz a few minutes ago, and asked them if "return overseas travel ticket means an air or cruise ticket departing from and returning to Australia" means both must be on one ticket because of the word "AN", or OK if on separate tickets. (I wanted to use their online form in order to get a written response, but the submit button of their online form doesn't work)

The staff said that, the word "an" means a ticket to come back, it does not say and does not mean one ticket for going and coming. I then asked if I were to fly out on one ticket one airline, come back on a different airline on a different ticket, he said this is OK. I then asked if I take a cruise ship to another country, then fly back on another? He said this is also OK, as I have "an" return ticket to come back.
What you were advised verbally certainly makes practical sense. But it's not their definition, which is in the singular. Hopefully the assessor would also be practical and not use their literal definition as stated. As you say, would be nice in writing.
 
What you were advised verbally certainly makes practical sense. But it's not their definition, which is in the singular

Actually, I get what that staff member was saying. The keyword was not "AN", but "RETURN".

When you and I read it, the word "return" means going and coming back; but from the way explained and emphasised to me, the word "return" means coming back, only.

I know that we only use Oxford and Macquarie for legal purposes, but both are behind paywall, so if we look at:
- Cambridge: "to come or go back to a previous place", so it's one way, not both ways.
- Collins: "Your return is your arrival back at a place where you had been before." "Ryle explained the reason for his sudden return to London"

So if we were to read 'an air return ticket', that would mean a tix to come back, not going and coming back.

Does that mean we all failed English???
 
Actually, I get what that staff member was saying. The keyword was not "AN", but "RETURN".

When you and I read it, the word "return" means going and coming back; but from the way explained and emphasised to me, the word "return" means coming back, only.

I know that we only use Oxford and Macquarie for legal purposes, but both are behind paywall, so if we look at:
- Cambridge: "to come or go back to a previous place", so it's one way, not both ways.
- Collins: "Your return is your arrival back at a place where you had been before." "Ryle explained the reason for his sudden return to London"

So if we were to read 'an air return ticket', that would mean a tix to come back, not going and coming back.

Does that mean we all failed English???
I did consider that definition, i.e. "return" meaning coming back rather than the common airline usage of both ways, but still thought that Citi's definition to include the "and" in their definition..."ticket departing from and returning" (as distinct from "a return ticket") precluded or may preclude that.

It shouldn't be like this but it often is, considering the various t&c updates often issued just to clarify; the t&c authors failing clear English.
 

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