Policy wording

The insurer is American Home Assurance Company, New Zealand Branch, which has an AAA (Extremely Strong) insurer financial strength rating given by Standard & Poor's (Australia) Pty Limited on 19th September 2000.

Plus (+) or minus (-): the ratings from AA to CCC may be modified by the addition of a plus or minus sign to show relative standing within the major rating categories.

THE POLICY
You are Covered under the terms of this Policy as contained in this document when the premium is paid and The Schedule is issued. This will be after the Application Form has been completed and signed by You or on Your behalf, and the Medical Certificate (if required) has been completed and accepted by Us.

SPECIAL TERMS FOR PERMANENT ONE-WAY TRAVELLERS
Please refer to The Schedule of Benefits, there are different benefit levels that apply to Permanent One-Way Travellers.
Where you are not returning to New Zealand under this Policy then the Policy is amended as follows:

• You must purchase Plan A regardless of destination
• There is a limit of 6 months cover available
• Your maximum Period of Cover under the Policy is 6 consecutive months
• Under Section 3(C) a) and b) New Zealand is deleted and replaced by Your "usual Place of residence"
• Under Section 5A the excess is amended to read "$250 each and every Loss"
• Under Section 5A the limit for any one item or set of items (ie, including video cameras) is $500. There is no facility to specify any items over the value of $500
• The maximum claim period in respect to any Injury or illness is 3 months from the date of occurrence of the Injury or illness
• There is no Cover available for Pre-Existing Conditions
• There is no Cover available for Personal Bodily Injury

• You must purchase Plan A regardless of destination
• Your maximum Period of Cover under the policy is 6 consecutive months
• Insolvency, bankruptcy, provisional liquidation, liquidation, financial collapse, appointment of a -
• Under Section 3(C) a) and b) New Zealand is deleted and replaced by Your “usual place of residence”
• Under Section 5A the excess is amended to read “ $250 each and every Loss”
• Under Section 5A the limit for any one item or set of items (ie, including video cameras) is $500. There is no facility to specify any items over the value of $500
• The maximum claim period in respect to any Injury or illness is 3 months from the date of occurrence of the Injury or illness
• There is no Cover available for Pre-Existing Conditions
• There is no Cover available for Personal Bodily Injury

YOU ARE INSURED FOR THE FOLLOWING PROVIDED THE EVENT OCCURS DURING THE PERIOD OF COVER AND WHERE YOU CANNOT RECOVER YOUR COSTS FROM ANY OTHER SOURCE BUT ALWAYS SUBJECT TO THE POLICY EXCLUSIONS.

What You are Covered For

SECTION 1: LOSS OF DEPOSITS, CURTAILMENT, INTERRUPTION, TRAVEL DELAY, MISSED CONNECTION, HI-JACK AND LEGAL COSTS COVER

Section 1A(i) Loss of Deposits
If You have to cancel Your travel arrangements because of an Event We will pay for Loss of deposits paid or for amounts You have contracted to pay in respect of transport, accommodation and other such charges. In respect of Travel Agents' cancellation fees We will pay up to a maximum of l0% of Your total travel costs or $500 per adult, whichever is the lesser.
Excess $75 each Loss

Section 1A(ii) Tour Cancellation
If due to an Event which happens before You leave New Zealand Your tour is cancelled or rearranged due to a of lack of numbers, We will pay the reasonable additional costs You incur to change Your travel schedule so that You can continue with Your original overseas travel plans. Maximum - $500 each Insured Person.
Excess: $75 each Loss

Section 1B(i) Curtailment of Travel
If due to an Event You cannot complete Your travel arrangements and have to return to New Zealand earlier than planned, provided You already hold a return ticket to New Zealand, We will pay Your reasonable extra travel and accommodation costs directly associated with Your early return to New Zealand. This does not include costs relating to completion of Your original travel arrangements. (See Section 2A Continuation of Travel).
Excess: $75 each Loss

If You have to curtail Your journey for any reason please contact Mike Henry Assist immediately for approval before incurring any costs. We may require a doctor's certificate or letter stating it is necessary for You to curtail Your trip.

Section 1B(ii) Interruption to Travel - which exceeds 36 hours
Once Your journey has begun if Your travel arrangements are necessarily interrupted due to an Event, We will pay Your extra travel and accommodation costs (including additional meal costs) directly associated with Your planned itinerary. Receipts are required.
Excess: $75 each Loss

Section 1C Travel Delay - which is less than 36 hours
If You are delayed for at least 6 consecutive hours due to an Event, We will reimburse You for reasonable extra costs You have to incur (including additional meal costs) due to the delay. Receipts are required.
Excess $Nil

Section 1D Missed Connection
If You are on a journey from or to New Zealand and You miss Your pre-booked connection due to an Event, We will reimburse You for reasonable extra costs You incur to use alternative scheduled transport services so that You can:
o Catch up on Your planned itinerary; or
o Get to a special event such as a wedding, sporting event or conference
If You claim under this section there is no claim for Loss of Deposits, Curtailment or Interruption costs for any part of Your unused transport costs.
Excess $Nil

Section 1E Hijack
If You are travelling on public transport which is hijacked by persons using violence or threat of violence, We will pay You $500 for each 24-hour period You are forcibly held by the hijackers up to a maximum of $5,000 for a Single Policy and $10,000 for a Family Policy.
Excess $Nil

Section 1F Legal Costs
We will pay Your reasonable legal costs if You are falsely arrested or wrongfully detained by any Government or Foreign Power up to a maximum of - $10,000 for a Single Policy and $20,000 for a Family Policy.
Excess $Nil

SECTION 2: CONTINUATION Of TRAVEL
There is no cover under this Section for Domestic or Incoming Travellers.
If after You leave New Zealand a Close Family Member in New Zealand suffers a life threatening illness or life threatening Bodily Injury, or dies and You have to return to New Zealand, We will reimburse Your economy class airfare You have paid for, for You to return overseas to complete Your original travel arrangements.
Provided:

• 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.

If You claim under this Section of the Policy there is no claim for Loss of Deposits of Your prepaid accommodation and transport costs that You are unable to use because of Your return to New Zealand.
Excess $Nil

SECTION 3: MEDICAL COSTS AND RELATED EXPENSES
Section 3A Medical
If You suffer a medical Event We will pay the following costs You incur during the 12 calendar months after You became ill or suffered the Injury:

• 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.
  

Section 3B Emergency Dental Treatment
The maximum amount payable for Domestic or Incoming Travellers is $1,500.
We will pay Your reasonable dental treatment costs overseas for:
o The relief of sudden and acute pain - maximum amount $750 each Insured Person per Policy
o 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
There is no claim for the costs of routine dental treatment or where the claim results from normal wear and tear of teeth.
Excess: $75 Loss

Section 3C Other Expenses
We will pay:
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.
Excess $Nil

SECTION 4: PERSONAL BODILY INJURY, IN-FLIGHT ACCIDENT INJURY, AND LOSS OF INCOME
Section 4A Personal Bodily Injury
If You suffer a Bodily Injury which directly results in any of the following: death; permanent total paraplegia/quadriplegia; permanent total Loss of a limb, permanent Loss of sight in an eye or total Loss of hearing or speech - We will pay the amount shown below:

Excess $Nil

Section 4B In-flight Accident Injury
If, however, the Bodily Injury directly results in death or permanent total paraplegia/quadriplegia and was sustained while You were travelling as a fare-paying passenger in, or boarding or getting off a scheduled flight on a fully licensed passenger-carrying aircraft, We will pay instead the amount shown below:

Excess $Nil

Section 4C Loss of Income
There is no Cover under this Section for Domestic or Incoming Travellers.
If:
o 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
o You had a fulltime position to return to in New Zealand, and
o You are aged between 16 and 64 when You suffer the Injury
We will pay You the benefit shown below. We will pay for the period which starts 30 days after Your return and ends 3 months later or when You return to work, whichever is sooner. The amount We pay is the difference between Your net average monthly salary during the 6 months immediately before You left New Zealand and any amount You can recover from any other source.
The maximum amount We will pay is up to $1,000 per month for Plans A and B and up to $500 per month for Plan C.
Excess $Nil

WHAT YOU ARE NOT COVERED FOR UNDER SECTIONS 1, 2, 3 AND 4
You are not Covered for any costs or Losses arising from:
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. The Financial Default of any travel agent or anyone acting as Your agent.
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 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 or the 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 any one 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. Any consequential loss or loss of enjoyment.
9. Manual work in connection with a business or trade.
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 Mike Henry 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 Permenant One Way travellers.)
12. Any Pre-Existing Condition of Yours that You are on a waiting list for or under investigation for, or any terminal condition.
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 on the journey.

SECTION 5: LUGGAGE AND PERSONAL EFFECTS, MONEY, MISLAID LUGGAGE AND CREDIT CARD FRAUD
Section 5A Luggage and Personal Effects
You are covered for accidental Loss of, damage to, or theft of Your luggage or personal effects, including the reasonable cost of replacing Your travel tickets, passports, driver's licence and similar non transferable documents.
We will not pay more than:
o $1,000 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.
o $15,000 in total for all specified items and sets.
o $1,000 in total for bicycles and/or surfboards.
o $2,000 for any video camera unless specified on the Policy schedule.
Note: We have the option to replace or repair an item, or make a cash payment taking into account depreciation, wear and tear.
Excess: $75 each Loss

Section 5B Money
You are covered for Loss or theft of Your personal money (notes, coins, travellers cheques, credit cards and vouchers).
Excess: $75 each Loss
Note: Under Section 5A & 5B - 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.

Section 5C Mislaid Luggage
If when travelling overseas You are deprived of Your luggage by the carrier for at least 12 consecutive hours after Your arrival, other than Your final destination home, We will pay for Your purchases of essential items of clothing and toiletries up to a maximum of $500 for Plans A and B, and $250 Plan C for each adult. Receipts are required.
Excess $Nil
Note: Where the mislaid luggage is not found and a claim is paid under Section 5A (Luggage and Personal Effects) the costs of the items purchased under this Section is deducted from the total claim under Section 5A.

Section 5D Credit Card Fraud
If You suffer financial Loss due to Your credit or cash card being lost or stolen and fraudulently used by anyone other than a person travelling with You or a family member, We will reimburse You up to a maximum of $2000 per Policy. You must advise the appropriate authorities as soon as You know Your card(s) is missing.
Excess $Nil

YOUR OBLIGATIONS UNDER SECTION 5
You are required to:
o Act responsibly and use reasonable care for the safety, supervision and security of Your property.
o Try and minimise Loss and not abandon damaged property.
o Promptly advise the local police or appropriate authorities, or Your relevant carriers of the Loss and obtain written proof of the Loss.
If You have to leave Your property in a motor vehicle please ensure all Your property is placed out of sight in a locked boot. However, please refer to Exclusions 1 and 2 pertaining to this section. Failure to follow these obligations may result in Your claim not being paid.

WHAT YOU ARE NOT COVERED FOR UNDER SECTION 5
You are not Covered for:
1. Property left unattended in a Public Place or in any unlocked and unattended building or vehicle.
2. Property left in a vehicle overnight.
3. Unaccompanied luggage (unless Your airline carrier decides to transfer Your luggage to a different carrier or flight 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, and/or any consequential loss.
7. Loss of data and any consequential loss.
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.

SECTION 6: PERSONAL LIABILITY
We will pay damages and compensation and legal expenses You incur but only on Our written consent and for which You become legally liable to pay as a result of Your negligence during the Period of Cover causing:
o Injury and/or Bodily Injury including death or illness, or
o Loss of, or damage to property.
Excess $Nil

WHAT YOU ARE NOT COVERED FOR UNDER SECTION 6
We will not pay a Loss relating to any liability directly arising out of or in connection with:
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. Your business, trade or profession - including professional advice given by You.
5. Judgments 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.

SECTION 7: RENTAL VEHICLE EXCESS
There is no cover under this Section for Domestic or Incoming Travellers.
You are covered up to $1,000 for the Rental Vehicle Excess, You may become legally liable to pay under a motor vehicle hire agreement with a licensed rental vehicle agency if:

• 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 have been purchased at time of policy issuance and the applicable dates of the rental vehicle hireage specified on the policy
  

Excess $75

WHAT YOU ARE NOT COVERED FOR UNDER SECTION 7
You are not Covered for any Losses arising from:
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.

WHAT YOU ARE NOT COVERED FOR UNDER ALL SECTIONS OF THIS POLICY
You are not Covered for any costs or Losses arising from:
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, and 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. Suicide, intentional self-Injury, psychiatric, psychological, psychosomatic, mental disorders, depression, stress, anxiety, insanity, dementia.
6. Sexually transmitted disease, Acquired Immunodeficiency Syndrome (AIDS), Human Immunodeficiency Virus (HIV).
7. You being under the influence of alcohol or drugs, or arising from or in any way connected with the 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. c) This insurance does not apply to any loss arising out of any Terrorist Act.
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 act of terrorism 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. Any Loss or consequential Loss arising out of any failure, malfunction or interruption of operation of any computer hardware, operating system, application, software, electronic equipment, computer chip or embedded control logic due to date based functionality or performance being affected by the year 2000. This exclusion applies regardless of whether the Loss was also caused or contributed to by any other cause or event.

WHAT YOU ARE REQUIRED TO DO
You must not deliberately or recklessly:
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.

IF YOU HAVE A LOSS PLEASE:
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.

WHEN MAKING A CLAIM YOU ARE REQUIRED TO:
1. Provide Us with original invoices, receipts and other voucher 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, which must have been signed by Us or Our representative.
3. Provide Us with all information We require.

NEW ZEALAND LAW APPLIES
This Policy is governed by New Zealand law. Any dispute or difference between Us must be dealt with in New Zealand. This Policy has been arranged by Mike Henry (NZ) Limited on behalf of American Home Assurance Company, New Zealand Branch. Effective September 1995.