Summary of Cover

Please note this is a summary of the policy only. There are policy limits, conditions and other exclusions, which apply. If you wish to see the full policy wording please ask your agent for a copy.

You are covered for:

1) Loss of deposits, curtailment and interruption
Your non-recoverable deposits, cancellations fees and any other reasonably incurred expenses if you have to cancel, curtail or interrupt your travel arrangements for unforeseeable reasons totally beyond your control. Also covered is the financial collapse of any tour operator /wholesaler /accommodation provider, fully scheduled airline operating in NZ for at least 3 years and an IATA member and other land/sea transport providers for losses beyond your control.

2) Travel delay and missed connection
For reasonable costs if you are delayed for 6 hours or more due to an event beyond your control and/or if you miss your connection and you have to arrange transport to be at an organised event.

3) Hijack and legal costs
A distress allowance is payable if you are hijacked on Public Transport for at least 24 hours and you are unable to continue your planned itinerary. If you are falsely arrested or detained your legal costs will be paid up to the policy limit.

4) Continuation of travel
The reasonable cost of an Economy Class airfare to return you to your last destination to continue your original travel arrangements, if you have to return to New Zealand due to the unexpected death, serious illness or injury of a close family member in New Zealand provided you have not used more than 50% of your policy period, and the policy as at least 14 days duration and the reason for your return was not due to illness or death which was of a pre-existing nature.

5) Medical
You are covered for reasonable medical costs incurred overseas, as well as reasonable dental costs ($750) for the relief of acute pain and a cash benefit to make your stay in hospital more comfortable If you are hospitalised for more than 24 hours.

6) Related medical costs
We will pay for the cost of returning a hire car to the nearest depot if you are unable due to death, injury or illness. You are covered also for reasonable burial costs overseas or the cost to return your body home to NZ.

7) Personal Bodily Injury /In-flight Accident /loss of income
A lump sum benefit is available if you suffer an accident which results in death or specified permanent disablement. The benefit is increased if the accident occurs whilst travelling on Schedule Flight. You are covered for your loss of income that you cannot recover from any other source up to the Policy Limits if you are injured and you cannot resume your usual occupation following your return to New Zealand (age limits and conditions apply)

8) Luggage, money, mislaid luggage and credit card fraud.
You are covered for accidental loss, damage or theft of your personal effects and travel tickets up to the limit of the Plan chosen. A limit of $1,000 for any 1 item applies and $2,000 for a Video camera. You are also covered for accidental loss of personal money. If whilst overseas your luggage is mislaid by the carrier for more than 12 hours the policy will pay for essential emergency items needed for your journey. Should your credit card be lost or stolen and used fraudulently you are covered up to the policy limits chosen. Some of the events this section does not cover are breakage to brittle and fragile items, property left unattended in a public place or left in full view in a motor vehicle or any items used in connection with your business and or sporting equipment whilst in use.

9) Personal liability
Your legal liability if you are found to be negligent and cause death or injury to persons or damage to third party property except for any claim arising for the use of any motorised vehicle, aircraft or watercraft other conditions and exclusions apply.

10) Rental vehicle excess
If you hire a rental vehicle and the rental vehicle insurance you purchase under the agreement is subject to an excess this section of your travel policy will pay the excess up to the policy limit in an event of an accident.
IT IS IMPORTANT TO CHECK WITH THE RENTAL COMPANY WHAT YOU ARE COVERED FOR UNDER THE AGREEMENT.

Privacy act
The Privacy Act 1993 requires us to inform you that the information collected on The Application Form is required for your insurance and your obligation are stated in the declaration. You do have certain rights of access to, and correction of the information held by us.

PLEASE REMEMBER THAT THE ABOVE IS ONLY A SUMMARY OF THE BENEFITS AND THAT THE POLICY IS SUBJECT TO POLICY LIMITS, CONDITIONS AND EXCLUSIONS.