The death or illness has not resulted from any Pre-Existing Condition,

Your original journey and/or Your Period of Cover was at least 14 days’ duration,

You had been away for less than half of the Period of Cover under this insurance, and

You return overseas before the Period of Cover expires, or otherwise agreed by Us.

Reasonable customary charges of prescribed medical, surgical treatment, hospital and nursing charges and emergency ambulance costs You necessarily incur overseas.

Up to $1,500 for continuing registered medical, surgical and hospital treatment only, upon Your return to New Zealand - provided You seek this treatment in a public hospital where available.

The relief of sudden and acute pain - maximum amount $750 each Insured Person per Policy.

Damage to sound and natural teeth caused solely by Injury - however, if You wait for this treatment until You return to New Zealand, the maximum amount payable is $1,500.

a)

Reasonable travel and accommodation costs for one person to travel to, remain with, and accompany You home to New Zealand - but only if this is on written medical advice and We have agreed in advance.

b)

Reasonable costs incurred to return Your body or ashes to New Zealand, or for burial or cremation in the place of Your death up to a maximum of $15,000.

c)

A cash benefit of $75 for every continuous 24 hours You are in hospital overseas, to defray expenses, ie, telephone calls, toiletries. There is no Cover for the first 48 hours.

d)

Costs to return Your hire car to the nearest hire depot (to a maximum of $250) if You cannot do so because of Your illness, Injury or death.

e)

Reasonable costs incurred to

(i)

treat You, and/or

(ii)

return You to New Zealand upon the diagnosis of any psychosomatic, psychological or psychiatric disorder or anxiety or depression up to a maximum of $10,000.

You suffer an Injury, which results in You being unable to continue Your usual occupation within 30 days after Your return to New Zealand, and

You had a fulltime position to return to in New Zealand, and

You are aged between 16 and 64 when You suffer the Injury

1)

Cancellation of or changes to Your travel arrangements because of financial, business and/or contractual reasons, or because Your employer requires You not to travel or You choose to change Your dates of travel or not to travel.

2)

Pregnancy or childbirth, except where costs are incurred because of unforeseeable medical complications or emergencies which happened before the 29th week of pregnancy. If this occurs after Your departure from New Zealand then We will only pay for non-routine emergency hospitalisation costs up to a maximum of $100,000 whether a single or multiple birth and before the 29th week of pregnancy.

3)

Your failure to check-in according to an itinerary supplied or times advised to You.

4)

Strike, industrial action or security alert where such action had been declared before you took out this Policy or booked your trip, whichever was later, and there was reasonable expectation that this would affect your trip.

5)

The refusal, failure or inability of any person, company or organisation, including but not limited to any airline, other transportation provider, hotel, car rental agency, tour or cruise operator, travel operator, travel wholesaler, booking agent or other provider of travel or tourism related services, facilities or accommodation, to provide services, facilities or accommodation, by reason of their own Financial Default of any person, company or organisation with whom or with which they deal.

6)

The Default, Error or Omission of a travel agent or anyone acting on Your behalf, any tour operator/tour wholesaler (except under Section 1A(ii)) and accommodation or transport provider.

7)

The operation of legal processes, law enforcement officers or immigration officials acting in the course of their duties.

8)

Manual work in connection with a business or trade - unless We have approved Cover.

9)

The rescheduling of any fl ight unless due to weather, mechanical failure or strike.

10)

Your failure to return to New Zealand after the date when in the opinion of Our medical advisor, You may have safely been repatriated to New Zealand at Our expense, or after the time when You failed to follow the instructions of IAG NZ Emergency Assist.

11)

Any Pre-Existing Condition of Yours unless this has been approved by Us where required under the terms of the Medical Certificate, and/or where You are travelling against medical advice or travelling to seek treatment, or have a terminal condition. (There is no cover for Pre-Existing Conditions for Domestic, Incoming or Permanent One Way Travellers.)

12)

Any Pre-Existing Condition of Yours that You are on a waiting list for or under investigation for.

13)

Any Pre-Existing Condition of any other person where this may affect Your travel plans, unless otherwise agreed by Us.

14)

Private medical treatment in New Zealand when public care or treatment is available.

15)

Private medical treatment overseas where public care or treatment is available under any reciprocal health agreement between the New Zealand and foreign governments.

16)

Any Personal Bodily Injury, medical misadventure or work Bodily Injury to the extent where You are Covered or entitled to be Covered under the laws of any country.

17)

Maintaining any course of treatment You had before You began Your journey or replenishment of medicines You were taking before You left New Zealand - unless Your medication is stolen or lost on the journey.

$1,500 for any item or any set of items unless the item or set is specified on the Policy Schedule and then only to a maximum of $5,000 any 1 item or set where specified.

$15,000 in total for all Specified Items and sets.

$2,500 for any video camera or camera (including its attached or unattached accessories), unless specified on the Policy Schedule.

Act responsibly and use reasonable care for the safety, supervision and security of Your property.

Try and minimise Loss and not abandon damaged property.

Promptly advise the local police or appropriate authorities, or Your relevant carriers of the Loss and obtain written proof of the Loss.

1)

Property left unattended in a Public Place or in any unlocked and unattended building or vehicle.

2)

Property left in a vehicle overnight between the hours of 10.00pm and 6.00am.

3)

Unaccompanied luggage (unless Your airline carrier decides to transfer Your luggage to a different carrier or fl ight for reasons other than the luggage being over the allowable weight limit).

4)

Luggage transported under any freight agreement or items sent by postal or courier services.

5)

Damage by moth, vermin, insects, atmospheric or climatic conditions, process of cleaning, dyeing, ironing, repairing or restoring or like actions.

6)

Mechanical, electrical or hydraulic breakdown or derangement.

7)

Loss of data.

8)

Breaking or scratching of fragile items - (except cameras, camera lenses, spectacles, contact lenses and binoculars).

9)

Sporting equipment or bicycles whilst in use; household effects, furniture and furnishings, any means of transport or parts and accessories of that transport.

10)

Bonds, coupons, stamps, negotiable instruments, deeds, manuscripts, securities of any kind, bullion, tools of trade, traveller’s samples, or property of any kind used wholly or partially for business.

11)

Confiscation, detention or requisition by Customs or other authorities.

12)

Loss of value of money or shortages of money, caused by mistakes of any person.

13)

Wear and tear, depreciation in value or gradual deterioration.

1)

Your ownership, use or possession of any mechanically propelled vehicle, aircraft or waterborne craft.

2)

Loss or damage to property owned by or in the control of You, Your family members or Your employees.

3)

Injury and/or Bodily Injury to You, Your family members or Your employees.

4)

YYour business, trade or profession - including professional advice given by You.

5)

Judgements which are not established by a Court in New Zealand or the country in which the Event occurred giving rise to Your liability.

6)

Liability You assume by agreement unless You would have had that liability anyway.

7)

Aggravated, exemplary or punitive damages.

The vehicle is damaged or stolen when under Your custody or control, and

The Loss occurred outside New Zealand during the Period of Cover, and

The Excess means the Excess which would have been waived had You purchased a Collision Damage Waiver option (or similar) when renting the vehicle

Or if You have purchased the additional Rental Vehicle Excess Option under this Policy. This will increase the standard Rental Vehicle Excess to $4,000. This additional Cover must be purchased prior to Your departure from New Zealand and the applicable dates of the rental vehicle hireage specified on the Policy Schedule.

In the Event of a claim, You are obligated to pay the Rental Vehicle company Excess in the first instance directly to the hire car company.

In the Event of a claim, it is Your responsibility to supply a final Loss/repair account to substantiate Your actual financial Loss.

1)

The operation of the vehicle in breach of the hire agreement, or

2)

Wear and tear, gradual deterioration, insects or vermin, inherent vice or damage.

1)

Circumstances where You can recover Your Loss or costs from any other source.

2)

Consequential Loss, or Loss of enjoyment.

3)

Professional sporting activities, racing (except on foot), mountaineering, rock climbing, off piste skiing, skydiving and/or paragliding and/or hang-gliding (unless with a tandem instructor), potholing, caving, hunting, ocean yachting (unless We have approved Cover), SCUBA diving (unless You hold a PADI or similar recognised qualification or You are diving with a qualified instructor. The maximum depth We will Cover up to is 30 metres), motorcycling where the engine capacity is more than 200cc (unless We have approved cover), or any activity where You deliberately expose Yourself to exceptional danger.

4)

Air travel, except as a passenger on a licensed passenger aircraft operated by a licensed airline or licensed air charter company.

5)

a) Suicide or intentional self-Injury.

b) Mental disorder or mental disease (including stress, anxiety and depression) other than as specifically provided for under Section 3C(e).

6)

Sexually transmitted disease, Acquired Immunodeficiency Syndrome (AIDS), Human Immunodeficiency Virus (HIV).

7)

You being under the infl uence of alcohol or drugs, or arising from or in any way connected with the deliberate consumption or use of alcohol or drugs.

8)

War and Terrorism

(a)

This insurance does not apply to any Loss arising out of War, civil War, invasion, insurrection, revolution, use of military power or usurpation of government or military power.

(b)

This insurance does not apply to any Loss arising out of the intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act except as provided under Section 8..

(c)

This insurance does not apply to any Loss arising out of a Terrorist Act except as provided under Section 8.

9)

Riot or civil commotion - unless You have left New Zealand or You have paid for Your travel and accommodation and in both cases Your Policy was in force before the Event.

10)

Any foreseeable act of any person on behalf of or in connection with any organisation wishing to overthrow any government by force either legally or illegally, or any foreseeable Terrorist Act or violence.

11)

Loss of any property and any consequential Loss or expense directly or indirectly caused by, or arising from ionising radiations or contamination by radioactivity from any nuclear fuel, or from any nuclear waste from the combustion of nuclear fuel.

12)

Liability You assume by agreement unless You would have had that liability anyway.

13)

Your engaging in any activity associated with prostitution or an illegal or criminal act or use of firearms.

14)

The use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination; or the dispersal or application of pathogenic or poisonous biological or chemical materials; or the release of pathogenic or poisonous biological or chemical materials.

1)

Cause Loss to any property Covered by the Policy; or

2)

Cause Loss for which You could be held legally liable - either by doing something You should not do or failing to do something You should do.

3)

If You think You are Covered under this Policy for a claim made against You, You must immediately give Us full details of that claim and all legal documents served on You. If You are Covered, We have the right to negotiate or defend the claim in Your name and We will require Your co-operation.

1)

Do what You can to prevent any further Loss or expense

2)

Do not admit liability for the Loss.

3)

Lodge a written claim against the person or organisation that may be legally liable for Your Loss, illness or Injury.

4)

If We agree to Cover Your Loss, You must let Us take over and pursue any legal right of recovery You may have and You must co-operate with Us in any recovery action.

1)

Provide Us with original invoices, receipts and other vouchers relating to Your expenses or Loss. It is the responsibility of the insured person to provide proof of ownership of any lost, stolen or damaged items and We are under no obligation to make payment without this proof of ownership.

2)

Produce this Policy.

3)

Provide Us with all information We require.