Travel Insurance - Comprehensive (International)

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Our policy designed for the more mature traveller, or the traveller requiring our higher levels of cover.

Travel Insurance is available right now with our Comprehensive (International) Plan for New Zealand residents aged 65 or under. This travel insurance policy is for those travellers, holiday makers, or even backpackers who want a higher level of cover.

The Comprehensive (International) Plan offers extensive cover: Overseas Emergency Medical Assistance (Unlimited), hospital expenses, permanent disability (max benefit $50,000), Alternative Transport Expenses, Luggage and Personal Effects (Up to $5,000), Cancellation Fees and Lost Deposits, personal liability (Up to $5,000,000), Theft of Cash, travel delay and Accidental Death. If you are a New Zealander, or live in New Zealand, and want travel insurance, we have the policy for you.

This Comprehensive Travel Insurance Policy is underpinned by a 24 hour, 365 days a year emergency phone line provided by Mondial Assistance and is underwritten by Allianz New Zealand Limited (Allianz). It provides cover, like all of our policies, for many different types of sporting or adventureous activities at no additional premium.

Following is a Table of the benefits and their maximum limits. All benefit limits and Excesses are in New Zealand Dollars (NZD). Refer to "Your Policy Cover" pages 34 to 53 for details of what "We Will Pay" and what "We Will Not Pay" and which types of cover are provided under each Plan.		Maximum Benefit Limits
		PLAN A - Comprehensive (International)
Policy Sections & Benefits		Single / Duo**	Family
1*	Cancellation Fees and Lost Deposits	$10,000	$20,000
2*	Overseas Emergency Medical Assistance	unlimited	unlimited
3	Overseas Emergency Medical and Hospital Expenses	unlimited	unlimited
	Dental Expenses (per person, per Journey)	$750	$750
4*	Additional Expenses	$10,000	$20,000
5*	Hospital Cash Allowance	$2,000	$4,000
6*	Accidental Death	$30,000	$60,000
7*	Permanent Disability	$50,000	$100,000
8*	Loss of Income#	-	-
9	Travel Documents, Credit Cards and Travellers Cheques	$1,000	$2,000
10	Theft of Cash, Bank Notes, Currency Notes, Postal Orders or Money Orders	$500	$500
11*	Luggage and Personal Effects++	$5,000	$10,000
12	Luggage and Personal Effects Delay Allowance	$250	$500
13*	Travel Delay Allowance	$1,000	$2,000
14	Alternative Transport Expenses	$3,000	$6,000
15	Personal Liability	$5,000,000	$5,000,000
sub-limits apply - refer "Policy Cover" pages 34 to 53 of your policy wording. *Duo cover - Single cover Benefits apply per insured person. #These Sections are available under separate cover packages - see "Additional Options" pages 16 to 17 of your policy wording. ++The Maximum Benefit Limit for this Section can be increased by paying an additional premium.

The following "Additional Options " can be purchased

Business Cover -Upon payment of an additional premium, the following cover can be added to your policy if you have taken out Plans A or B:

		Maximum Benefit Limits
		PLAN A - Comprehensive (International)		PLAN B - (New Zealand Only)
Policy Sections & Benefits		Single / Duo**	Family	Single / Duo**	Family
8*	Loss of Income	$10,400	$20,800	$5,200	$10,400
17	Alternative Staff	$2,500	$2,500	$1,000	$1,000
18	Business Equipment	$5,000	$5,000	$2,500	$2,500
19*	Hire Business Equipment	$1,000	$1,000	$500	$500
20	Recreate Business Documents	$1,000	$1,000	$500	$500
sub-limits apply - refer "Policy Cover" pages 34 to 53 of your policy wording. *Duo cover - Single cover Benefits apply per insured person.

Snow Cover - Upon payment of an additional premium, the following cover can be added to your policy if you have taken out Plans A, B, H or I:

		Maximum Benefit Limits
Policy Sections & Benefits		Single / Duo**	Family
21	Emergency Rescue	unlimited	unlimited
22	Theft of/Damage to Own Ski Equipment	$1,500	$3,000
23	Snow Ski Hire Equipment	$1,500	$3,000
24	Ski Pack	$750	$1,500
25*	Piste Closure	$1,000	$1,000
26	Bad Weather and Avalanche Closure	$750	$1,500
sub-limits apply - refer "Policy Cover" pages 34 to 53 of your policy wording. *Duo cover - Single cover Benefits apply per insured person.

Increased Luggage & Personal Effects cover - Up to an additional $5,000 cover can be purchased for specified items (excluding jewellery) by paying an additional premium - receipts and/or valuations need to be provided. There is a $3,000 item limit for personal computers, video cameras and cameras, $1,000 each item for mobile phones (including PDAs and any items with phone capabilities) and a $750 item limit for all other items up to a total value of $5,000.
Removal of Standard Excess - You can remove the standard $100 Excess on Plans A, C, D, E, F, G, H & I by paying an additional premium.
Rental Vehicle Excess Cover - Cover for reimbursement of the Rental Vehicle insurance Excess or the cost of repairing the vehicle, whichever is the lesser, if a vehicle you have rented from a rental company is involved in an accident while you are driving, or is damaged or stolen while in your custody.
Rental Vehicle Excess Cover is covered as standard under Plans D & E. You can purchase $3,000 Rental Vehicle Excess Cover under Plans A, B, C, F, G, H or I by paying an additional premium.

INSTANT QUOTE

Price List ($)
Period	Region 1 South West Pacific, Australia, Papua New Guinea, Bali, Lord Howe island & Norfolk Island	Region 2 Europe, United Kingdom, Africa, Middle East & Asia excluding Japan	Region 3 USA, Hawaii, Canada, South America and Japan	Domestic
5 Days	37.05	85.50	86.40	36.00
10 Days	51.30	115.90	122.40	50.67
17 Days	62.70	155.80	172.80	61.33
24 Days	73.15	191.90	198.90	65.33
35 Days	85.50	226.10	234.00	80.00
45 Days	101.65	249.85	265.50	100.00
2 Months	171.95	324.90	327.60	125.33
3 Months	207.10	361.00	363.60	138.67
4 Months	252.70	409.45	411.30
5 Months	303.05	440.80	487.80
6 Months	389.50	486.40	544.50
7 Months	401.85	544.35	627.30
8 Months	445.55	578.55	710.10
9 Months	488.30	636.50	779.40
10 Months	532.00	705.85	852.30
11 Months	576.65	752.40	930.60
12 Months	617.50	784.70	999.00

If you are travelling to multiple destinations that are in different Geographical Regions you must select the Geographical Region with the greatest number. This will cover travel in each of the Geographical Regions with a smaller number.

All Prices are in New Zealand Dollars and Inclusive of GST.