Single Trip
If you just want cover for one trip, a single trip policy is the option for you.
Areas Of Travel
Select the Area in which you will spend the most time (Area 1 is compulsory if more than 20% of your time is in the Americas).
| Area 1 | North, Central and South America and the Caribbean |
| Area 2 | Africa, Middle East, Indian Sub-Continent and Asia (other) |
| Area 3 | Europe |
| Area 4 | UK |
| Area 5 | South East Asia, Hong Kong, Japan |
| Area 6 | South Pacific and Norfolk Island |
| Area 7 | Australia |
| Area 8 | New Zealand Only |
Annual Multi-Trip
If you’re planning on travelling more than once during the year, this might be a cheaper and more convenient option for you. Our multi-trip option covers any number of trips where your destination is more than 250kms away from your home.
A limit to the duration of each trip applies. You can choose this limit. The longer the maximum trip duration you choose, the higher your premium will be.
Areas Of Travel
You will need to select the Area which will cover all of your trips. The cover area you choose will effect the cost of your policy.
| Area 1 | Worldwide |
| Area 2 | Restricted Worldwide (excludes the Americas, Africa, Middle East, Indian Sub-Continent and Mainland China) |
| Area 3 | South Pacific and Australia |
| Area 4 | New Zealand Only |
| Summary Of Benefits | |||||||||||
| International – Plan I Single Trip or Annual Multi-Trip Maximum Benefit Limits (Per Adult) |
Domestic – Plan D Single Trip or Annual Multi-Trip Maximum Benefit Limits (Per Adult) |
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| Medical And Dental Expenses Cover for hospital, medical, surgical, nursing, ambulance and emergency dental expenses. |
$Unlimited* Medical cover will not exceed 12 months from onset |
$1,500 | |||||||||
| Additional Expenses Cover for additional accommodation and transportation expenses as a result of certain events including injury, sickness, disease, natural disasters, collisions, strikes and lost travel documents. |
$Unlimited | $10,000 | |||||||||
| Amendment Or Cancellation Costs Cover, if due to unforeseen circumstances outside your control your journey has to be re-arranged, or cancelled if it cannot be re-arranged e.g. illnesses, accidents, extreme weather conditions, exam re-sit or retrenchment. |
$Unlimited | $10,000 | |||||||||
| Luggage And Travel Documents Luggage and personal effects – cover for loss, theft or damage after allowing for reasonable depreciation. The following item limits apply:
Travel documents – cover for replacement cost if lost or stolen. |
$20,000
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$5,000
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| Delayed Luggage Allowance Cover for the cost of essential emergency purchases overseas if all your luggage is delayed by a transport provider. |
$1,500 Up to $500 for each 24 hour period |
$Nil | |||||||||
| Money Cover for cash which is lost or stolen from your person. |
$500 | $Nil | |||||||||
| Rental Car Insurance Excess Cover for any rental car insurance excess you become liable to pay as a result of damage to, or theft of, a rental car. |
$2,000 Extra cover available - see here |
$2,000 Extra cover available - see here |
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| Travel Delay Cover for additional accommodation expenses if your scheduled transport is delayed for more than 6 hours. |
$2,000 | $750 | |||||||||
| Resumption Of Journey | $3,000 | $Nil | |||||||||
| Cash In Hospital | $8,000 | $Nil | |||||||||
| Hijacking | $5,000 | $Nil | |||||||||
| Loss Of Income | $9,000 Up to $1,000 per month |
$2,250 Up to $250 per month |
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| Disability | $10,000 | $10,000 | |||||||||
| Accidental Death | $10,000 | $10,000 | |||||||||
| Legal Expenses | $10,000 | $5,000 | |||||||||
| Personal Liability | $2,500,000 | $200,000 | |||||||||
| Subject to the terms, conditions, sub limits and exclusions contained in the policy wording. * Medical and Dental Expenses cover is limited to $1,500 for treatment provided in NZ. |
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Included In Your Policy
Children Travel Free (Plan I and D)
On International Plan I and Domestic Plan D we automatically cover
your children and grandchildren plus 1 other non-related child per adult traveller
provided they are all dependent and under 21 years.
On Domestic Plan C however, the premium is per person.
Working Holidays
If you are planning on earning a few extra dollars on your journey, this policy
automatically covers working holidays.
If you are travelling purely on business, you may prefer our Business policy which
has been specifically designed with the needs of a business traveller in mind.
The following activities are automatically covered:
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Money Back Guarantee
If you are not completely satisfied with the policy for any reason and wish to
cancel, you will be given a full refund by the providing agent. You are entitled to
this refund as long as you:
- are not making a claim under the policy,
- are not cancelling after the commencement of the journey,
- cancel the policy within 15 working days from the time of issue.
Extending Your Trip
Having too much fun? If you want to stay for longer than you originally planned,
simply let the providing agent know and subject to our approval, they’ll extend
your cover for you. If you wish to extend, you must do so before the expiry of the
original policy.
Should a medical condition first present itself prior to the time of issue of the new
policy it may be considered an existing medical condition under the new policy
and therefore may not be automatically covered by the new policy. Purchasing a
longer duration policy up front can avoid this risk.
Note: Restrictions on durations may apply.
Options To Vary Cover
Choose An Excess
The cost of this insurance depends on the excess you choose. The higher the
excess the lower your premium.
International Plan I - You can choose a $Nil, $100 or $250 excess
Domestic Plan D - A $50 excess applies
Domestic Plan C - A $25 excess applies
Your chosen excess will be shown on your Certificate of Insurance.
Increase Your Luggage Item Limits
The following limits apply to any one item, set or pair of items (including
accessories):
| Cameras and Video Cameras | Laptop, Computers | Other Items | |
| Plan I | $2,500 | $2,500 | $1,500 |
| Plan D | $500 | $500 | $500 |
For items which are valued higher, you may increase these limits (on a per item
basis) by paying an additional amount. Ask the providing agent for a quote.
For a single item you may increase the limit by up to $4,500.
If you are increasing the limit for more than one item the overall increase in limits
cannot exceed $7,000. Should you need to make a claim, you will be required to
provide receipts or valuations (less than 12 months old) for these items.
Increase Your Rental Car Insurance Excess Cover
Plan I and Plan D automatically provide up to $2,000 cover for your liability in
respect to a rental car insurance excess. This amount can be increased by up to
$3,000 by paying an additional amount.
Snow Skiing And Snowboarding
If you wish to be covered for these
activities during your journey, you must pay
an extra premium.
Note: You won’t be covered if you are
racing, off-piste or participating in a
professional capacity even if you pay
the additional amount.
Motorcycling
If you wish to be covered for riding a motorcycle (including a moped, as the
driver or pillion passenger) during your journey, you must pay an extra premium.
Note: You won’t be covered if the engine capacity is greater than 200cc even if
you pay the additional amount.
