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Virgin_Blue_Comprehensive_NZ

VIEWS: 3 PAGES: 19

									Travel Insurance
– New Zealand
Policy Wording




www.virginaustralia.com.au/insurance

Effective 28 July 2011
                                    CONTENTS
                                    About this Policy Wording                                           1

                                    Summary of Benefits                                                 4

                                    How to Purchase this Policy                                         7

                                    Table of Benefits                                                  10

                                    Pre-existing Medical Conditions                                    13

                                    Words with Special Meanings                                        14

                                    Important Matters                                                  17

                                    Your Policy Cover                                                  22
                                     SECTION 1 – Cancellation Fees & Lost Deposits                     22
                                     SECTION 2 – Overseas Emergency Medical Assistance                 23
                                     SECTION 3 – Overseas Emergency Medical & Hospital Expenses        24
                                     SECTION 4 – Additional Expenses                                   26
                                     SECTION 5 – Hospital Cash Allowance                               28
                                     SECTION 6 – Accidental Death                                      28
                                     SECTION 7 – Permanent Disability                                  29
                                     SECTION 8 – Loss of Income                                        29

How can we help?                     SECTION 9 – Travel Documents, Credit Cards & Travellers Cheques   30
                                     SECTION 10 – Theft of Cash                                        30
We are the world’s leading           SECTION 11 – Luggage & Personal Effects                           31
assistance provider with a global    SECTION 12 – Luggage & Personal Effects Delay Expenses            33
team of doctors and nurses           SECTION 13 – Travel Delay Expenses                                34
who can help if you become           SECTION 14 – Alternative Transport Expenses                       34
sick or are injured overseas. You    SECTION 15 – Personal Liability                                   35
                                     SECTION 16 – Rental Vehicle Excess                                36
knew us as Mondial Assistance
though we have been part of
                                    General Exclusions Applicable to all Sections                      37
the Allianz Group for ten years.
As Allianz Global Assistance, we
                                    Claims                                                             40
will continue to provide what
we believe is the world’s best
                                    Health Tips                                                        43
emergency medical assistance.
                                    Contact Details                                       Back Cover
                                                                                 your own doctor, when you should contact Allianz Global      WHO IS ALLIANZ GLOBAL ASSISTANCE?
ABOUT THIS POLICY WORDING                                                        Assistance concerning 24 hour medical assistance,            Allianz Global Assistance is a trading name of AGA
                                                                                 Overseas hospitalisation or medical evacuation, and more;    Assistance Australia Pty Ltd, Company No. 2341888.
                                                                            •	   When	We will not pay a claim under each Section              Allianz Global Assistance has been authorised by Allianz to
This Policy Wording sets out the cover available and the                         applicable	to	the	cover	you	choose	(“Your Policy             enter into and arrange the policy and deal with and settle
terms and conditions which apply. You need to read it                            Cover”	pages	22	to	36)	and	“General Exclusions               any claims under it, as the agent of Allianz, not as your
carefully to make sure you understand it and that it meets                       Applicable to all Sections” pages 37 to 39 (this             agent. Allianz Global Assistance acts under a binder which
your needs.                                                                      restricts the cover and benefits); and                       means that it can do these things as if it were the insurer. It
                                                                                                                                              administers all emergency assistance services and benefits
This Policy Wording, together with the Certificate of Insurance             •	   “Claims” (pages 40 to 42) – this sets out certain            of this insurance. You may contact Allianz Global Assistance
and any other document that we tell you forms part of your                       obligations that you and we have. If you do not meet         in an emergency 24 hours a day, 7 days a week.
policy, make up your contract with Allianz. Please retain                        them we may refuse to pay a claim.
these documents in a safe place.
                                                                                                                                              UPDATING THE POLICY WORDING
                                                                            APPLYING FOR COVER
ABOUT THE AVAILABLE PLANS                                                                                                                     We may need to update this Policy Wording from time to
                                                                            When you apply for the policy, we will confirm with you
                                                                                                                                              time if certain changes occur where required and permitted
You can choose one of these 4 Plans:                                        things such as the period of cover, your premium, what
                                                                                                                                              by law. We will issue you with a new Policy Wording to
                                                                            cover options and Excess will apply, and whether any
Plan A Comprehensive – International (includes Sections*                                                                                      update the relevant information except in limited cases.
                                                                            standard terms need to be varied (this may be by way of an
1 to 16);
                                                                            endorsement). These details are recorded on the Certificate       Where the information is not something that would be
Plan B Comprehensive – New Zealand Only (includes                           of Insurance we issue to you.                                     materially adverse from the point of view of a reasonable
Sections 1, 4, 6, 11, 13, 15 & 16);                                                                                                           person considering whether to buy this product, we may
                                                                            This Policy Wording sets out the cover we are able to
Plan D Cancellation Cover (includes Section 1 only);                                                                                          issue you with notice of this information in other forms or
                                                                            provide you with. You need to decide if the benefit limits,
                                                                                                                                              keep an internal record of such changes (you can get a
                                                                            type and level of cover are appropriate for you and will
Plan F Frequent Traveller Cover (includes Sections* 1 to                                                                                      paper copy free of charge by calling us).
16 while travelling internationally). While you are travelling in New
                                                                            cover your potential loss.
Zealand (destination must be a minimum of 250kms from Home),                If you have any queries, want further information about           DATE PREPARED
you will only have cover under Sections 1, 4 & 6 to 16.
                                                                            the policy or want to confirm a transaction, please use the
                                                                                                                                              The preparation date of this Policy Wording is
* you will not have cover under certain Sections while travelling in        contact details on the back cover of this Policy Wording.
                                                                                                                                              28 July 2011.
New Zealand – see "How to Purchase this Policy" pages 7 to 9
                                                                            ABOUT YOUR PREMIUM
UNDERSTANDING YOUR POLICY AND ITS IMPORTANT                                 You will be told the premium payable for the policy when
TERMS AND CONDITIONS                                                        you apply. It is based on a number of factors such as your
To properly understand this policy’s significant features,                  destination(s), length of Journey, number of persons covered,
benefits and risks you need to carefully read:                              your age and the Plan selected. The higher the risk, the higher
                                                                            the premium is.
•	   “How to Purchase this Policy” (pages 7 to 9) – this
     contains important information on who can purchase                     Your premium also includes amounts that take into account
     the policy, age limits and the choice of Plans and cover               our obligation to pay any relevant compulsory government
     types available to you;                                                charges, taxes or levies (e.g. GST) in relation to your policy.
•	   The	benefit	limits	provided	under	each	Plan	in	the	                    These amounts are included on your Certificate of Insurance
     “Table of Benefits” (pages 10 to 12) and when We                       as part of the total premium.
     will pay a claim under each Section applicable to the
     cover	you	choose	(“Your Policy Cover” pages 22 to                      COOLING OFF PERIOD
     36) (remember, certain words have special meanings –
                                                                            Even after you have purchased your policy, you have cooling
     see	“Words with Special Meanings” pages 14
     to 16);                                                                off	rights	(see	“Important Matters” page 17 for details).

•	   “Important Matters” (pages 17 to 21) – this contains
                                                                            WHO IS YOUR INSURER?
     important information on any applicable Excess, the
     period of cover and extensions to the period of cover,                 This policy is underwritten by Allianz New Zealand Limited
     the cooling-off period, confirmation of cover, your Duty               (Allianz), Company No. 445514.
     of Disclosure (including how the Duty applies to you and
     what happens if you breach the Duty), our privacy notice
     and dispute resolution process, when you can choose




                                                                        1                                                                 2                                                                 3
    SUMMARY OF BENEFITS                                             6    ACCIDENTAL DEATH (pg. 28)                                         14   ALTERNATIVE TRANSPORT EXPENSES
                                                                         A death benefit is payable if you die because of an                    (pg. 34)
                                                                         Injury you sustained during your Journey within 12                     Cover for additional travel expenses following transport
                                                                         months of that Injury.                                                 delays to reach:
This is only a summary of the benefits. Please read
this Policy Wording carefully for the complete details                                                                                          •	a	Wedding	•	Funeral	•	Conference
                                                                    7    PERMANENT DISABILITY (pg. 29)                                          •	Sporting	Event	•	Pre-paid	travel/tour	arrangements.
of what We will pay and what We will not pay, and
which of the Sections are provided under each Plan                       A permanent disability benefit is payable for total loss
(see pages 22 to 36). Importantly, please note that                      of sight in one or both eyes or loss of use of a hand             15   PERSONAL LIABILITY (pg. 35 & 36)
exclusions do apply as well as limits to cover.                          or foot (for at least 12 months, and which will continue
                                                                                                                                                Cover for legal liability including legal expenses for
                                                                         indefinitely) within 12 months of, and because of, an
                                                                                                                                                bodily injuries or damage to property of other persons
                                                                         Injury you sustained during your Journey.
1    CANCELLATION FEES AND LOST DEPOSITS                                                                                                        as a result of a claim made against you.
     (pg. 22 & 23)
                                                                    8    LOSS OF INCOME (pg. 29 & 30)
     Cover for cancellation fees and lost deposits for pre-paid                                                                            16   RENTAL VEHICLE (pg. 36)
                                                                         A weekly loss of income benefit is payable if you
     travel arrangements due to unforeseen circumstances                                                                                        Cover for the excess payable on your Rental Vehicle’s
                                                                         become disabled within 30 days of an Injury you
     neither expected nor intended by you and which are                                                                                         motor vehicle insurance resulting from the Rental
                                                                         sustained during your Journey, and you are still
     outside your control, such as:                                                                                                             Vehicle being:
                                                                         unable to work more than 30 days after returning to
     •	Sickness	•	Injuries	•	Strikes	•	Collisions                        New Zealand.                                                           •	Stolen	•	Crashed	•	Damaged
     •	Retrenchment	•	Natural	Disasters.                                                                                                        and/or:
                                                                    9    TRAVEL DOCUMENTS, CREDIT CARDS AND
                                                                                                                                                the cost of returning the Rental Vehicle due to you
2    OVERSEAS EMERGENCY MEDICAL ASSISTANCE                               TRAVELLERS CHEQUES (pg. 30)
                                                                                                                                                being unfit to do so.
     (pg. 23 & 24)                                                       Cover for the replacement costs of travel documents
     Cover for emergency medical assistance while you are                lost or stolen from you during your Journey, such as:
     Overseas, including:
                                                                         •	Passports	•	Credit	Cards
     •	24	Hour	Emergency	Medical	Assistance	•	Ambulance                  •	Travel	Documents	•	Travellers	Cheques.
     •	Medical	Evacuations	•	Funeral	Arrangements
     •	Messages	to	family	•	Hospital	Guarantees.                    10   THEFT OF CASH (pg. 30 & 31)
                                                                         Cover for the following items stolen from your person:
3    OVERSEAS EMERGENCY MEDICAL AND HOSPITAL
     EXPENSES (pg. 24 & 25)                                              •	Bank	Notes	•	Cash	•	Currency	Notes
                                                                         •	Postal	Orders	•	Money	Orders.
     Cover for Overseas emergency medical treatment if you
     are Injured or become Sick Overseas, including:
                                                                    11   LUGGAGE AND PERSONAL EFFECTS (pg. 31 to 33)
     •	Medical	•	Hospital	•	Surgical	•	Nursing	                          Cover for replacing stolen Luggage and Personal
       E
     •		 mergency	dental	treatment	for	damage	to	sound	and	              Effects or reimbursing repair cost for accidentally
       natural teeth caused by Injury while Overseas.                    damaged items, including:
4    ADDITIONAL EXPENSES (pg. 26 to 28)                                  •	Luggage	•	Spectacles	•	Personal	Effects	
                                                                         •	Personal	Computers	•	Cameras.
     Cover for additional accommodation and travel expenses
     caused by your health problems or someone else’s
                                                                    12   LUGGAGE AND PERSONAL EFFECTS
     resulting from:
                                                                         DELAY EXPENSES (pg. 33)
     •	Sickness	•	Injury	•	Death.                                        Cover to purchase essential items of clothing and other
     Also cover for your Travelling Companion’s or Relative’s            personal items following your Luggage and Personal
     accommodation and travel expenses to travel to, stay                Effects being delayed, misdirected or misplaced by
     near or escort you resulting from:                                  your Carrier for more than 12 hours.
     •	Hospitalisation	•	Medical	Evacuation.
                                                                    13   TRAVEL DELAY EXPENSES (pg. 34)
5    HOSPITAL CASH ALLOWANCE (pg. 28)                                    Cover for additional meals and accommodation
                                                                         expenses, after an initial 6 hour delay, if your Journey is
     An allowance of $50 per day if you are hospitalised for
                                                                         disrupted due to circumstances beyond your control.
     more than 48 continuous hours while Overseas.



                                                                4                                                                      5                                                                 6
HOW TO PURCHASE THIS POLICY                                              COVER TYPE (APPLIES TO PLANS A, B & D ONLY)                              Plan B (New Zealand Only)
                                                                         The cover type provided under this policy is Single Cover,               Cover for any loss you suffer must occur in this
                                                                         which covers you and your Dependant children or                          Geographical Area. There is no cover for stopovers in a
                                                                         grandchildren, under 12 years of age, and travelling with                higher Geographical Area.
                  Refer	to	“Who can Purchase                             you. We issue one Certificate of Insurance irrespective of
     Step 1                                         see below
                  this Policy?”                                          the number of persons named on the Certificate.                          Plan D (Cancellation Cover)
     Step 2       Refer to “Age Limits”             see below                                                                                     Geographical Area defaults to Worldwide, regardless of the
                                                                         GEOGRAPHICAL AREAS                                                       destinations you are travelling to.
                  Refer	to	“Pre-existing Medical
     Step 3                                         page 13
                  Conditions”
                                                                          Destination                                      Geographical           Plan F (Frequent Traveller)
                  Nominate the applicable                                                                                     Areas               Geographical Area defaults to Worldwide, regardless of the
     Step 4       Geographical Area for your        page 8                                                                                        destinations you are travelling to.
                  Journey (Plan A* only)                                  USA, Hawaii, Canada, Africa,                        Worldwide
                                                                          Japan, China, Hong Kong,                                                While you are travelling in New Zealand (destination must be
                  Nominate the duration of your                           South	America	&	Middle	East
     Step 5                                         —                                                                                             a minimum of 250km from Home), you will only have cover
                  Journey
                                                                          Europe & UK                                           Europe            under Sections 1, 4, & 6 to 16.
     Step 6       Select	your	Plan	(A,	B,	D	or	F)   pages 10 to 12        Asia (excluding Japan, China,                          Asia
                                                                          Hong	Kong	&	Bali)                                                       Travel on Cruise Liners
     Step 7       Apply for cover online            —
                                                                                                                                                  Travellers on domestic cruises in New Zealand waters may
                                                                          S.W. Pacific, Australia,                              Pacific
WHO CAN PURCHASE THIS POLICY?                                             Papua	New	Guinea	&	Bali                                                 purchase Plan A (selecting Geographical Area Pacific) to
                                                                                                                                                  ensure cover is available for emergency medical assistance
Cover is only available if:                                                                                                                       and emergency medical and Hospital expenses.
•	    you	are	a	Resident	of	New	Zealand;	and                             * Plan A (Comprehensive International)
                                                                                                                                                  If you do not purchase Plan A, you will not have cover for
•	    you	purchase	your	policy	before	you	commence	your	                 You must nominate the applicable Geographical Area for                   medical transfer or evacuation (for example, by helicopter)
      Journey; and                                                       your Journey. All Areas include cover for certain Sections               if you need to be transported to the nearest Hospital for
•	    your	Journey	commences	and	ends	in	New	Zealand.                    while travelling in New Zealand – see below for details.                 emergency medical treatment.
                                                                         Please contact us if there is any uncertainty as to which
AGE LIMITS                                                               Geographical Region applies.
Age limits are as at the date of issue of your Certificate               If you are travelling to multiple destinations which are in
of Insurance.                                                            different Geographical Areas, you must select the highest
                                                                         Geographical Area (Pacific being the lowest Geographical
Travellers 71 to 85 years of age                                         Area, Worldwide the highest), as this will cover travel in
                                                                         each of the lower Geographical Areas.
The following additional premiums apply to travellers aged 71
to 85 years where applicable:                                            Example:
                                                                         If you are travelling to Papua New Guinea, Philippines and Europe,
Travellers aged 71 to 75 years: + 50% of premium                         you must select Europe. You will then have cover for all destinations
Travellers aged 76 to 80 years*: + 100% of premium                       listed under Pacific, Asia and Europe.
Travellers aged 81 to 85 years*: + 200% of premium
                                                                         Cover for any loss you suffer must occur in the
*	Not	available	for	Plan	F.	                                             Geographical Area (or any lower Geographical Area) you
                                                                         have selected. However, stopovers of 2 nights in a higher
Plans A, B & D
                                                                         Geographical Area are permitted.
Available to travellers aged 85 years and under.
                                                                         Example:
Plan F                                                                   If you are travelling to Bali (and have accordingly selected Pacific
                                                                         as the Geographical Area), you will have cover for all destinations
Available to travellers aged 75 years and under.                         listed under Pacific, as well as up to 2 nights stopover in any of the
                                                                         destinations listed under Asia, Europe and Worldwide.
YOUR CHOICES
                                                                         While you are travelling in New Zealand (destination must be
Under this policy, you choose the cover you require based                a minimum of 250km from Home), you will only have cover
on your travel arrangements.
                                                                         under Sections 1, 4, 6, 11, 13, 15 & 16.
Whether	you	choose	Plans	A,	B,	D	or	F	depends	on	the	
type of cover you want and are eligible to purchase.



                                                                     7                                                                        8                                                                 9
TABLE OF BENEFITS


Following	is	a	table	of	the	benefits	and	their	maximum	limits.	Refer	to	“Your Policy Cover” pages 22 to 36 for details what We will pay        * Plan F – Frequent Traveller
and what We will not pay.                                                                                                                      •	   12	month	policy
All benefit limits throughout this Policy Wording are in New Zealand Dollars (NZD).                                                            •	   Unlimited	number	of	Journeys
                                                                                                                                               •	   Worldwide	or	Domestic	Journeys
                                                                                                                                               •	   Accompanying	spouse/de	facto	and	Dependants	
                                                                               PLAN B                                                               (under 12 years of age) covered for free
                                                         PLAN A                                       PLAN D               PLAN F*
                                                                            Comprehensive                                                      •	   Benefit	limits	and	sub-limits	reinstated	on	the	
                                                      Comprehensive                                  Cancellation          Frequent
              Policy Section                           International
                                                                             New Zealand
                                                                                                       Cover               Traveller                completion of each Journey (except for Section 15 Personal
                & Benefit                                                       Only                                                                Liability - the amount shown in the Table of Benefits is the most
                                                                                                                                                    we will pay for all claims combined under Section 15 for the 12
                                                                                                                                                    month policy period).
                                                           Single                 Single                  Single            Single
                                                                                                                                               •	   Maximum	period	for	any	one	Journey	is	37	days	for	
    *1.   Cancellation	Fees	and	Lost	Deposits             unlimited              unlimited                                 unlimited                leisure travel or 90 days for business travel. A Journey
                                                                                                                                                    can	be	made	up	of	business	and/or	leisure	travel	(with	
    *2.   Overseas	Emergency	Medical	Assistance           unlimited                                                        unlimited                the leisure component being up to 37 days), however,
                                                                                                                                                    the whole Journey cannot exceed a total of 90 days
          Overseas	Emergency	Medical	and	                 unlimited                                                        unlimited
     3.                                                                                                                                        •	   Not	available	for	travellers	aged	76	years	and	over
          Hospital Expenses
          – Dental Expenses                                $2,000                                                           $2,000

    *4.   Additional Expenses                             $50,000                $50,000                                    $50,000

    *5.   Hospital Cash Allowance                          $5,000                                                           $5,000

    *6.   Accidental Death                                $25,000                $25,000                                    $25,000
                                                                                                        Total value of
    *7.   Permanent Disability                            $25,000                                      the nominated        $25,000
                                                                                                      insured holiday
    *8.   Loss of Income                                  $10,400                                                           $10,400
                                                                                                     (excluding cruise
          Travel Documents, Credit Cards and               $5,000                                  line arrangements)       $5,000
     9.
          Travellers Cheques                                                                          - Section 1 only
                                                                                                   applies to this Plan.
    10.   Theft of Cash                                     $250                                                             $250

   *11.   Luggage and Personal Effects                     $5,000                 $5,000                                    $5,000

          Luggage and Personal Effects Delay                $250                                                             $250
   *12.
          Expenses
   *13.   Travel Delay Expenses                            $2,000                 $2,000                                    $2,000

    14.   Alternative Transport Expenses                   $5,000                                                           $5,000

    15.   Personal Liability                              $5 million             $5 million                                $5 million

   *16.   Rental Vehicle                                   $3,000                 $3,000                                    $3,000



*		 ub-limits	apply	–	refer	to	the	“Your Policy Cover” section of this Policy Wording for details (pages 22 to 36).
  s



                                                          10                                                                              11                                                                       12
PRE-EXISTING MEDICAL CONDITIONS                                      WORDS WITH SPECIAL MEANINGS


Travel Insurance only provides cover for emergency                   Some words used in this Policy Wording have a
Overseas	medical	events	that	are	unforeseen.	Medical	                special meaning. When these words are used, they
conditions that were pre-existing at the time of the policy          have the meaning set out below.
being issued are not covered.                                        "AICD/ICD" means an implantable cardioverter-
If	you	have	a	Pre-existing	Medical	Condition,	we	will	not	           defibrillator (ICD), also known as an automated implantable
pay any claims Arising from, related to or associated with           cardioverter-defibrillator (AICD).
that condition. This means that you may have to pay for an           “Arise”,	“Arises”	or	“Arising” means directly or indirectly
Overseas medical emergency and any associated costs,                 arising or in any way connected with.
which can be prohibitive in some countries.
                                                                     “Carrier” means an aircraft, vehicle, train, tram, vessel
                                                                     or other public transport operated under a licence for
WHAT IS A PRE-EXISTING MEDICAL CONDITION?                            the purpose of transporting passengers. This definition
“Pre-existing	Medical	Condition”	means:                              excludes taxis.
a)   an ongoing medical or dental condition of which you             “Dependant” means your children or grandchildren who are
     are aware, or related complication you have, or the             under the age of 12 and travelling with you on the Journey.
     symptoms of which you are aware;                                “Epidemic” means a sudden development and rapid
b)   a medical or dental condition that is currently being,          spreading of a contagious disease in a region where it
     or has been investigated or treated by a health                 developed in a simply endemic state or within a previously
     professional (including dentist or chiropractor) at any         unscathed community.
     time, in the past, prior to policy purchase;                    “Excess” means the amount which you must first pay for
c)   any condition for which you take prescribed medicine;           each claim Arising from the one event before a claim can be
                                                                     made under your policy.
d)   any condition for which you have had surgery;
                                                                     “Home” means the place where you normally live in
e)   any condition for which you see a medical specialist; or        New Zealand.
f)   pregnancy.                                                      “Hospital” means an established hospital registered under
This definition applies to you, your Travelling Companion, a         any legislation that applies to it, that provides in-patient
Relative or any other person.                                        medical care.
                                                                     “Injure”	or	“Injured”	or	“Injury” means bodily injury caused
                                                                     solely and directly by violent, accidental, visible and external
                                                                     means, which happens at a definite time and place during
                                                                     your period of cover and does not result from any illness,
                                                                     Sickness or disease.
                                                                     “Journey” means your journey from the time when you
                                                                     leave your Home to go directly to the place you depart from
                                                                     on your travels, and ends when you return to your Home.
                                                                     “Locked Storage Compartment” means a glove box,
                                                                     enclosed centre console, or concealed cargo area of a
                                                                     sedan, station wagon, hatchback, van or motorhome.
                                                                     “Luggage and Personal Effects” means any personal
                                                                     items owned by you and that you take with you, or buy, on
                                                                     your Journey and which are designed to be worn or carried
                                                                     about with you.This includes items of clothing, personal
                                                                     jewellery, photographic and video equipment or personal
                                                                     computers, or electrical devices or portable equipment.
                                                                     However, it does not mean any business samples or items
                                                                     that you intend to trade.



                                                                13                                                                14
“Medical Adviser” means a qualified doctor of medicine              “Rental Vehicle”	means	a	campervan/motorhome	that	
or dentist registered in the place where you received               does not exceed 4.5 tonnes, a sedan, hatchback or
the services.                                                       station-wagon,	four	wheel	drive	or	mini	bus/people	mover	
                                                                    (with a seating capacity of up to 12 persons) rented from a
“Moped”	or	“Scooter” means any two-wheeled or three-                Rental Vehicle Company.
wheeled motor vehicle with an engine displacement of not
greater than 50cc.                                                  "Rental Vehicle Company" means a licensed motor
                                                                    vehicle rental company with which you have entered into a
“Motorcycle” means any two-wheeled or three-wheeled                 motor vehicle rental agreement.
motor vehicle with an engine displacement greater than 50cc.
                                                                    “Resident of New Zealand” means someone who is a
“Open Water Sailing” means sailing more than 10 nautical            permanent resident of New Zealand.
miles off any land mass.
                                                                    “Single” means covering you and your Dependant children
“Overseas” means in any country other than New Zealand.             or grandchildren under 12 years of age at the date of policy
“Pandemic” means a form of an Epidemic that extends                 issue, travelling with you, and listed as covered on your
throughout an entire continent, even the entire human race.         Certificate of Insurance.

“Pre-existing Medical Condition” means:                             “Sick”	or	“Sickness” means a medical condition, not being
                                                                    an Injury, which first occurs during your period of cover.
a)   an ongoing medical or dental condition of which you
     are aware, or related complication you have, or the            “Travelling Companion” means a person with whom you
     symptoms of which you are aware;                               have made arrangements to travel with you for at least 75%
b)   a medical or dental condition that is currently being,         of your Journey before your policy was issued.
     or has been investigated, or treated by a health               “Unsupervised” means leaving your Luggage and
     professional (including dentist or chiropractor) at any        Personal Effects:
     time in the past, prior to policy purchase;
                                                                    •	 with	a	person	you	did	not	know	prior	to	commencing	
c)   any condition for which you take prescribed medicine;              your Journey; or
d)   any condition for which you have had surgery;                  •	 where	it	can	be	taken	without	your	knowledge;	or
e)   any condition for which you see a medical specialist; or       •	 at	such	a	distance	from	you	that	you	are	unable	to	
f)   pregnancy.                                                         prevent it being taken.
The above definition applies to you, your Travelling                “We”,	“Our”	and	“Us” means Allianz New Zealand Limited.
Companion, a Relative or any other person.                          “You”	and	“Your” means the person(s) whose name(s) are
“Public Place” means any place that the public has                  set out on your Certificate of Insurance.
access to, including but not limited to planes, trains, trams,
cruise ships, taxis, buses, air or bus terminals, stations,
wharves, streets, museums, galleries, hotels, hotel foyers
and grounds, beaches, restaurants, private carparks, public
toilets and general access areas.
“Reasonable” means, for medical or dental expenses, the
standard level of care given in the country you are in, or for
other expenses, the standard level you have booked for the
rest of your Journey, or as determined by us.
“Relative” means any of the following who is under
85 years of age and who is resident in New Zealand or
Australia. It means you or your Travelling Companion’s
spouse, de facto partner, parent, parent-in-law, daughter,
son, daughter-in-law, son-in-law, brother, sister, brother-
in-law, sister-in-law, grandchild, grandparent, step-parent,
step-son, step-daughter, fiancé or fiancée, or guardian.




                                                               15                                                            16
 IMPORTANT MATTERS                                                   your original policy expires if you send your request by post.       •	   if	another	insurer	has	cancelled	or	refused	to	insure	or	
                                                                     All other requests to extend cover must be received prior to your         renew insurance, has imposed special terms, or refused
                                                                     original policy expiry date. Cover will be extended subject to our        any claim;
                                                                     written approval, and your payment of the additional premium.        •	   any	insurance	claim	or	loss	made	or	suffered	in	the	past.
Under your policy there are rights and responsibilities              Where we have agreed to extend cover, we will issue you with         These examples are a guide only. If there is any doubt as
which you and we have. You must read this Policy Wording,
                                                                     a new Certificate of Insurance. The period of cover on your          to whether a particular piece of information needs to be
your Certificate of Insurance, and any other document
                                                                     new Certificate cannot exceed 12 months.                             disclosed, this should be referred to us.
we tell you forms part of the terms and conditions of your
policy in full for more details, but here are some you should        Extensions of cover are not available:                               Non-Disclosure
be aware of:
                                                                     •	   for	conditions	you	suffered	during	the	term	of	your	            If you fail to comply with your Duty of Disclosure, we may be
PERIOD OF COVER                                                           original policy; or                                             entitled to avoid this policy or decline any claim under it.
You are not covered until we issue a Certificate of Insurance.       •	   where	you	have	not	advised	us	of	any	circumstances	
That Certificate forms part of your policy. The period you are            that have given (or may give) rise to a claim under your        FALSE STATEMENTS AND FRAUD
insured for is set out on the Certificate.                                original policy; or                                             Your policy is based on the information supplied to us by you
                                                                     •	   under	Plan	A	(Comprehensive International),	Plan	B	             or on your behalf. All statements made by you or on your
However:
                                                                          (Comprehensive New Zealand Only) & Plan D (Cancellation         behalf at the time of application, in support of this policy,
•	   the	cover	for	cancellation	fees	and	lost	deposits	(Section	                                                                          on any claim form or in support of any claim must be true
                                                                          Cover) where at the time of extension you are aged 75
     1) begins from the time the policy is issued.                                                                                        and correct. If you take any action or make any statement in
                                                                          years or over; or
•	   cover	for	all	other	Sections	begins	on	the	date	of	                                                                                  connection with this policy or any claim made under it, which
     departure as stated on the Certificate of Insurance.            •	   under	Plan	F	(Frequent Traveller).                              is fraudulent in any way or which is supported by untrue or
                                                                                                                                          incorrect information, we are entitled to avoid this policy and all
•	   cover	ends	when	you	return	to	your	Home	or	on	the	              CONFIRMATION OF COVER                                                benefits under it will be forfeited.
     date of return set out on your Certificate of Insurance,
     whichever happens first.                                        To confirm any policy transaction, (if the Certificate of
                                                                     Insurance does not have all the information you require), call       DISPUTE RESOLUTION PROCESS
Under	Plan	F	(Frequent Traveller), the maximum period for            us within New Zealand on 0800 778 108 or from Overseas on            If you have a complaint or dispute in relation to this
any one Journey is 37 days for leisure travel or 90 days for         +61 7 3305 7491 (reverse charge).                                    insurance, or the services of Allianz Global Assistance or
business	travel.	A	Journey	can	be	made	up	of	business	and/or	                                                                             its representatives, please call Allianz Global Assistance on
leisure travel (with the leisure component being up to 37 days),     JURISDICTION AND CHOICE OF LAW                                       0800 778 109 or put the complaint in writing and send it to
however, the whole Journey cannot exceed a total of 90 days.                                                                              The	Dispute	Resolution	Department,	PO	Box	162,	Toowong,	
                                                                     This policy is governed by and construed in accordance
                                                                     with the law of New Zealand and you agree to submit to the           Queensland 4066, Australia. Allianz Global Assistance will
COOLING OFF PERIOD                                                                                                                        attempt to resolve the matter in accordance with its Internal
                                                                     exclusive jurisdiction of the courts of New Zealand. You agree
If you decide that you do not want this policy, you may              that it is your intention that this Jurisdiction and Choice of Law   Dispute Resolution process. To obtain a copy of Allianz
cancel it within 14 days after you are issued your Certificate       clause applies.                                                      Global Assistance’s procedures, please contact them.
of Insurance and Policy Wording. You will be given a refund                                                                               A	dispute	can	be	referred	to	the	Financial	Services	
of the premium you paid, provided you have not started your          FAIR INSURANCE CODE                                                  Complaints	Ltd	(FSCL),	subject	to	its	terms	of	reference.	The	
Journey and you do not want to make a claim or to exercise                                                                                FSCL	provides	a	free	and	independent	dispute	resolution	
                                                                     Allianz	supports	the	principles	of	the	Fair	Insurance	Code.	The	
any other right under the policy.                                                                                                         service for consumers who have general insurance disputes
                                                                     purpose of this Code is to increase the standards of practice
After this period you can still cancel your policy but we will not   and	service	within	the	insurance	industry.	Brochures	on	the	         falling	within	its	terms.	The	contact	details	for	the	FSCL	are:
refund any part of your premium if you do.                           Code are available from our office.                                  Financial Services Complaints Ltd (FSCL)
                                                                                                                                          Freephone:	0800	347	257
EXTENSION OF COVER                                                   YOUR DUTY OF DISCLOSURE                                              Telephone: +64 (04) 472 3725
You may extend your cover free of charge if you find that your       When you apply for insurance or alter this policy, you have          Fax:	+64	(04)	472	3728
return to New Zealand has been delayed because of one or             a duty at law, to disclose to us all material facts. You must        Post	:	PO	Box	5967,	Lambton	Quay,	Wellington	6145,	
more of the following:                                               disclose all material facts to us as soon as you become aware of     New Zealand
                                                                     them. A material fact is one that may influence a prudent insurer    Email: info@fscl.org.nz
•	   a	bus	line,	airline,	shipping	line	or	rail	authority	you	are	
                                                                     in deciding whether or not to accept the cover and, if so, on
     travelling on, or that has accepted your fare or Luggage                                                                             PRIVACY NOTICE
                                                                     what terms and conditions and for what premium.
     and Personal Effects, is delayed; or
                                                                     Examples of information you may need to disclose include:            To arrange and manage your travel insurance, we (in this
•	   the	delay	is	due	to	a	reason	for	which	you	can	claim	                                                                                Privacy	Notice	“we”,	“our”	and	“us”	includes	Allianz	Global	
     under your policy (subject to our written approval).            •	   anything	that	increases	the	risk	of	an	insurance	claim;
                                                                                                                                          Assistance and its authorised representatives) collect personal
                                                                     •	   any	criminal	conviction	or	offence;                             information from you and others (including those authorised
If the delay is for any other reason, we must receive your
request to extend the period of cover at least 7 days before                                                                              by you such as your doctors, hospitals and persons whom
                                                                                                                                          we consider necessary).

                                                                17                                                                  18                                                                   19
Any personal information you provide is used by us to              You must, however, advise Allianz Global Assistance of your
evaluate and arrange your travel insurance. We also use it to      admittance to Hospital or your early return to New Zealand
administer and provide the insurance services and manage           based on written medical advice.
your and our rights and obligations in relation to the insurance
                                                                   If you do not get the medical treatment you expect, Allianz
services, including managing, processing and investigating
                                                                   Global Assistance can assist you but neither Allianz nor Allianz
claims. We may also collect, use and disclose it for product
                                                                   Global Assistance are liable for anything that results from that.
development, marketing, research, IT systems maintenance
and development, recovery against third parties and for any
                                                                   OVERSEAS HOSPITALISATION OR MEDICAL
other purposes with your consent.
                                                                   EVACUATION
This personal information may be disclosed to (and received        For	emergency	assistance	anywhere	in	the	world	at	any	time,	
from) third parties in New Zealand or overseas involved in the     Allianz Global Assistance is only a telephone call away. The
above process, such as travel consultants, travel insurance        team will help with medical problems, locating nearest medical
providers and intermediaries, agents, distributors, reinsurers,    facilities, your evacuation Home, locating nearest embassies
claims handlers and investigators, cost containment providers,     and consulates, as well as keeping you in touch with your
medical and health service providers, legal and other              family and work in an emergency.
professional advisers, your agents and our related companies.
The use and disclosure of such personal information will be        If you are hospitalised you, or a member of your travelling party,
provided to third parties for the primary purposes stated          MUST	contact	Allianz	Global	Assistance	as	soon	as	possible.	
above. The personal information (but not sensitive information)    If you do not, then to the extent permissible by law, we will
may also be used for a secondary purpose, but only if you          not pay for these expenses or for any evacuation or airfares
would reasonably expect us to use that information for such        that have not been approved or arranged by Allianz Global
secondary purpose.                                                 Assistance.

When you give personal information about other individuals,        If you are not hospitalised but you are being treated as an
we and our agents rely on you to have made or make                 outpatient and the total cost of such treatment will exceed
them aware:                                                        $2,000	you	MUST	contact	Allianz	Global	Assistance.
•	   that	you	will	or	may	provide	their	information	to	us;
                                                                   IN THE EVENT OF A CLAIM
•	   of	the	types	of	third	parties	to	whom	the	information	may	
                                                                   Immediate Notice should be given to Allianz Global Assistance
     be provided;
                                                                   (see contact details on the back cover of this Policy Wording).
•	   of	the	relevant	purposes	we	and	the	third	parties	we	will	
     disclose it to, will use it for; and                          Please note:	For	claims	purposes,	evidence	of	the	value	of	the	
                                                                   property insured or the amount of any loss must be kept.
•	   of	how	they	can	access	it.
We rely on you to have obtained their consent on these             CLAIMS PROCESSING
matters. If you have not done or will not do these things,         Your claim will be processed within 10 business days
you must tell us or our agents before you provide the              of receiving the completed claim form and all necessary
relevant information.                                              documentation. If we need additional information, a written
You can seek access to and correct your personal information       notification will be sent to you within 10 business days.
by contacting us. You may not access or correct personal
information of others unless you have been authorised by their     SAFEGUARDING YOUR LUGGAGE AND PERSONAL
express consent or otherwise under law, or unless they are         EFFECTS
your dependants under 16 years.                                    You must take all reasonable precautions to safeguard your
If you do not agree to the above or will not provide us with       Luggage and Personal Effects. If you leave your Luggage and
personal information, we may not be able to provide you with       Personal Effects Unsupervised in a Public Place we will not pay
our services or products or may not be able to process your        your	claim	(for	an	explanation	of	what	we	mean	by	“Luggage	
application nor issue you with a policy. In cases where we do      and	Personal	Effects”,	“Unsupervised”	and	“Public	Place”	–	see	
not agree to give you access to some personal information, we      pages 14 to 16).
will give you reasons why.
                                                                   EXCESS
YOU CAN CHOOSE YOUR OWN DOCTOR                                     A Nil Excess applies to all Sections of this policy. If any
You	are	free	to	choose	your	own	Medical	Adviser	or	we	can	         additional Excess applies to your policy, the amount is shown
appoint	an	approved	Medical	Adviser	to	see	you,	unless	you	        on the Certificate of Insurance or advised to you in writing
are treated under a Reciprocal Health Agreement.                   before the Certificate is issued to you.


                                                             20                                                                  21
    YOUR POLICY COVER                                               1.2 WE WILL NOT PAY                                                  b]   any messages which need to be passed on to your
                                                                    a]   We will not pay if you were aware of any reason, before              family or employer in the case of an emergency.
                                                                         your period of cover commenced, that may cause your             c]   provision of any written guarantees for payment of
This part of the Policy Wording outlines what We will pay and            Journey to be cancelled, abandoned or shortened.                     reasonable expenses for emergency hospitalisation
what We will not pay under each Section in the event of a claim.    Nor will we pay if your cancellation fees or lost deposits                while Overseas.

You	must	also	check	“General Exclusions Applicable to               Arise because of:                                                    d]   your medical transfer or evacuation if you must be
all Claims” on pages 37 to 39 for other reasons why we will                                                                                   transported to the nearest Hospital for emergency
                                                                    b]   the death, Injury or Sickness of your Travelling
not pay.                                                                                                                                      medical treatment Overseas or be brought back to
                                                                         Companion or Relative, if the death, Injury or Sickness
                                                                                                                                              New Zealand with appropriate medical supervision.
See	“Words with Special Meanings” on pages 14 to 16 for                  is	as	a	result	of	a	Pre-existing	Medical	Condition.
the meanings of words that apply throughout this                                                                                         e]   the return to New Zealand of your children or grand-
                                                                    c]   you or your Travelling Companion changing plans.
Policy Wording.                                                                                                                               children, under the age of 18 years and travelling with
                                                                    d]   any business, financial or contractual obligations.                  you on your Journey, if they are left without supervision
You	only	have	cover	under	a	Section	if	the	“Table of Benefits”           This exclusion does not apply to claims where you or                 following your hospitalisation or evacuation.
on pages 10 to 12 shows that there is cover for the Section              your Travelling Companion are made redundant from
under the Plan you have selected.                                                                                                        If you die as a result of an Injury or a Sickness during your
                                                                         full-time employment in New Zealand provided you or
                                                                                                                                         Journey, we will pay for the Reasonable cost of either a
The most we will pay for the total of all claims under each              they were not aware that the redundancy was to occur
                                                                                                                                         funeral	or	cremation	Overseas	and/or	of	bringing	your	
Section	is	shown	in	the	“Table of Benefits” for the Plan you             before you purchased your policy.
                                                                                                                                         remains back to your Home. The maximum amount we will
have selected. Sub-limits may also apply to particular types of     e]   a tour operator or wholesaler being unable to complete          pay is $15,000 for all claims combined.
losses or claims.                                                        arrangements for any tour because there were not
                                                                         enough people to go on the tour.                                Please note that we will not pay for any costs incurred in
                                                                                                                                         New Zealand.
1    CANCELLATION FEES AND LOST DEPOSITS                            f]   delays or rescheduling by a bus line, airline, shipping
                                                                         line or rail authority.                                         2.2 WE WILL NOT PAY
You have this cover if you choose Plan A, B, D or F.                g]   the financial collapse of any transport, tour or                a]   We will not pay for any expenses for medical
                                                                         accommodation provider associated with your Journey.                 evacuation, funeral services or cremation or bringing
1.1 We will pay                                                                                                                               your remains back to New Zealand unless it has been
a]   We will pay your cancellation fees and lost deposits for       h]   the mechanical breakdown of any means of transport.                  first approved by Allianz Global Assistance.
     travel and accommodation arrangements (excluding               i]   an act or threat of terrorism.                                  b]   We will not pay if you decline to promptly follow the
     cruise	line	arrangements	for	Plans	D	or	F)	that	you	have	                                                                                medical advice we have obtained, and we will not
                                                                    j]   the death, Injury or Sickness of any person who
     paid in advance and cannot recover in any other way                                                                                      be responsible for subsequent medical, Hospital or
                                                                         resides outside of New Zealand or Australia.
     if your Journey is cancelled or shortened at any time                                                                                    evacuation expenses.
     through circumstances neither expected nor intended by         k]   your pre-arranged leave being cancelled by your
     you and outside your control.                                       employer (where you are a full-time permanent                   c]   We will not pay for medical evacuation or the
                                                                         employee).                                                           transportation of your remains from New Zealand to an
b]   We will reimburse travel agents’ cancellation fees up
                                                                                                                                              Overseas country.
     to $500 or 10% of the cost of that part of the Journey
     arranged by the travel agent, whichever is the lesser.         2    OVERSEAS EMERGENCY MEDICAL ASSISTANCE
c]   We will pay you for loss of frequent flyer or similar air                                                                           3    OVERSEAS EMERGENCY MEDICAL
     travel points you used to purchase an airline ticket           You have this cover if you choose Plan A or F.                            AND HOSPITAL EXPENSES
     following cancellation of that airline ticket, if you cannot
                                                                    PLEASE NOTE: You will not have cover under this Section while
     recover the lost points from any other source. The
                                                                    travelling in New Zealand.                                           You have this cover if you choose Plan A or F.
     cancellation must be due to unforeseen circumstances
     outside of your control.                                       Allianz Global Assistance will help you with any Overseas            PLEASE NOTE: You will not have cover under this Section while
                                                                    medical	emergency	(see	“Overseas Hospitalisation or                  travelling in New Zealand.
     We calculate the amount we pay you as follows:
                                                                    Medical Evacuation” on page 21). You may contact them at
     •	   the	cost	of	an	equivalent	class	airline	ticket	based	     any time 7 days a week.                                              3.1 WE WILL PAY
          on the quoted retail price at the time the ticket was                                                                          a]   We will reimburse the Reasonable medical or Hospital
          issued, less your financial contribution toward the       2.1 Allianz Global Assistance will arrange for the                        expenses you incur until you get back to New Zealand
          airline ticket;                                               following assistance services if you Injure                           if you Injure yourself Overseas, or become Sick there.
     multiplied by:                                                     yourself Overseas, or become Sick while                               The medical or Hospital expenses must have been
     •	   the	total	number	of	points	lost                               Overseas:                                                             incurred	on	the	written	advice	of	a	Medical	Adviser.	
                                                                    a]	 access	to	a	Medical	Adviser	for	emergency	medical	                    You must make every effort to keep your medical or
     divided by the total value of points used to obtain
                                                                        treatment while Overseas.                                             Hospital expenses to a minimum.
     the ticket.


                                                               22                                                                   23                                                                   24
     If we determine that you should return Home to New           4    ADDITIONAL EXPENSES                                                •	   there	is	more	than	14	days	remaining	of	the	
     Zealand for treatment and you do not agree to do so,                                                                                      period of cover, as noted on your Certificate
     we will pay you the amount which we determine would                                                                                       of Insurance; and
                                                                  You have this cover if you choose Plan A, B or F.
     cover	your	medical	expenses	and/or	related	costs	had	
                                                                                                                                          •	   you	resume	your	Journey	within	12	months	of	
     you agreed to our recommendation. You will then be           4.1 WE WILL PAY                                                              your return to New Zealand.
     responsible for any ongoing or additional costs relating
                                                                  a]   We will reimburse any Reasonable additional
     to or Arising out of the event you have claimed for.                                                                            e]   In addition, we will reimburse your Reasonable additional
                                                                       accommodation and travel expenses if you cannot
                                                                                                                                          travel and accommodation expenses if a disruption to
     We	will	only	pay	for	treatment	received	and/or	Hospital	          travel because of an Injury or Sickness which needs
                                                                                                                                          your Journey Arises from the following reasons:
     accommodation during the 12 month period after the                immediate	treatment	from	a	Medical	Adviser	who	
     Sickness first showed itself or the Injury happened.              certifies in writing that you are unfit to travel.                 •	   your	scheduled	or	connecting	transport	is	
                                                                                                                                               cancelled, delayed, shortened or diverted because
b]   We will also pay the cost of emergency dental                     We will also reimburse your Reasonable additional
                                                                                                                                               of a strike, riot, hijack, civil protest, weather or
     treatment, up to a maximum amount of $2000, which                 accommodation and travel expenses for you to be with
                                                                                                                                               natural disaster.
     the treating dentist certifies in writing was for damage          your Travelling Companion if he or she cannot continue
     to sound and natural teeth caused by an Injury you                their Journey for the same reason.                                 •	   you	unknowingly	break	any	quarantine	rule.
     suffered during your Journey.                                                                                                        •	   you	lose	your	passport,	travel	documents	or	credit	
                                                                       We will also reimburse the Reasonable accommodation
Please note that we will not pay for any costs incurred                and travel expenses of your Travelling Companion or a                   cards or they are stolen.
in New Zealand.                                                        Relative to travel to you, stay near you or escort you,            •	   an	accident	involving	your	mode	of	transport.	You	
                                                                       if you are in Hospital suffering from a life threatening or             must have written confirmation of the accident
3.2 WE WILL NOT PAY                                                    other serious condition, or are evacuated for medical                   from an official body in the country where the
We will not pay for expenses:                                          reasons. He or she must travel, stay with you or escort                 accident happened.
                                                                       you	on	the	written	advice	of	a	Medical	Adviser	and	with	
a]	 Arising	from	Pre-existing	Medical	Conditions.                      the prior approval of Allianz Global Assistance.                   •	   your	Home	is	rendered	uninhabitable	by	fire,	
                                                                                                                                               explosion, earthquake or flood.
b]   when you have not notified Allianz Global Assistance as      b]   If you shorten your Journey and return to New Zealand
     soon as practicable of your admittance to Hospital.               on	the	written	advice	of	a	Medical	Adviser	approved	          If you did not have a return ticket booked to New Zealand
                                                                       by Allianz Global Assistance, we will reimburse the           before you were Injured or became Sick, we will reduce
c]   after 2 weeks treatment by a chiropractor,
                                                                       Reasonable cost of your return to New Zealand. We             the amount of your claim by the price of the fare to New
     physiotherapist or dentist unless approved by Allianz
                                                                       will only pay the cost of the fare class that you had         Zealand from the place you planned to return to New
     Global Assistance.
                                                                       planned to travel at and you must take advantage of           Zealand from. The fare will be at the same fare class as
d]   if you do not take the advice of Allianz Global                   any pre-arranged return travel to New Zealand.                the one you left New Zealand on.
     Assistance.
                                                                  c]   If, during your Journey, your Travelling Companion or a       Wherever claims are made by you under this Section
e]   if you have received medical care under a Reciprocal              Relative of either of you:                                    and Section 1 (Cancellation Fees and Lost Deposits) for
     National Health Scheme. Reciprocal Health                                                                                       cancelled	services/facilities	or	alternative	arrangements	for	
     Agreements are currently in place with Australia and              •	   dies	unexpectedly;
                                                                                                                                     the	same	or	similar	services/facilities,	we	will	pay	for	the	
     the United Kingdom.                                               •	   is	disabled	by	an	Injury;	or                             higher of the two amounts, not both.
f]   for damage to dentures, dental prostheses, bridges                •	   becomes	seriously	Sick	and	requires	
                                                                            hospitalisation                                          4.2 WE WILL NOT PAY
     or crowns.
                                                                                                                                     We will not pay:
g]   relating to dental treatment involving the use of                 (except	Arising	out	of	a	Pre-existing	Medical	Condition),	
     precious metals or for cosmetic dentistry.                        we will reimburse the Reasonable additional cost of           a]   if you were aware of any reason, before your period of
                                                                       your return to New Zealand. We will only pay the cost              cover commenced, that may cause your Journey to be
h]   for dental treatment caused by or related to the                  of the fare class you had planned to travel at.                    cancelled, disrupted or delayed.
     deterioration	and/or	decay	of	teeth.
                                                                  d]   We will reimburse you up to a maximum amount of               b]   if the death, Injury or Sickness of your Travelling
i]   for preventative dental treatment.                                $3,000 for airfares for you to return to the place you             Companion or Relative Arises from a Pre-existing
                                                                       were when your Journey was interrupted, if you return              Medical	Condition.
                                                                       to your Home because:
                                                                                                                                     c]   if you can claim your additional travel and
                                                                       •	   during	your	Journey,	a	Relative	of	yours	dies	                accommodation expenses from anyone else.
                                                                            unexpectedly or is hospitalised following a serious
                                                                                                                                     d]   if your claim relates to the financial collapse of any
                                                                            Injury or a Sickness (except Arising from a Pre-
                                                                                                                                          transport, tour or accommodation provider.
                                                                            existing	Medical	Condition);	and
                                                                                                                                     e]   for delays or rescheduling by a bus line, airline,
                                                                       •	   it	is	possible	for	your	Journey	to	be	resumed;	and
                                                                                                                                          shipping line or rail authority unless it is due to a strike,
                                                                                                                                          riot, hijack, civil protest, weather or natural disaster.


                                                             25                                                               26                                                                    27
f]   if you operate a Rental Vehicle in violation of the rental      7    PERMANENT DISABILITY                                           9    TRAVEL DOCUMENTS, CREDIT CARDS AND
     agreement.                                                                                                                               TRAVELLERS CHEQUES
g]   as a result of you or your Travelling Companion                 You have this cover if you choose Plan A or F.
     changing plans.                                                 PLEASE NOTE: If you chose Plan A, you will not have cover under     You have this cover if you choose Plan A or F.
                                                                     this Section while travelling in New Zealand.                       PLEASE NOTE: If you chose Plan A, you will not have cover under
                                                                                                                                         this Section while travelling in New Zealand.
5    HOSPITAL CASH ALLOWANCE
                                                                     7.1 WE WILL PAY
                                                                     We will pay if:                                                     9.1 WE WILL PAY
You have this cover if you choose Plan A or F.                                                                                           a]   We will reimburse you the replacement costs (including
PLEASE NOTE: You will not have cover under this Section while        a]   you are Injured during your Journey; and                            communication costs) of any travel documents, including
travelling in New Zealand.                                           b]   because of the Injury, you become permanently                       passports, credit cards or travellers cheques you lose or
                                                                          disabled within 12 months of the Injury.                            which are stolen from you during your Journey.
5.1 WE WILL PAY
                                                                     “Permanently	disabled”	means:                                       b]   We will also cover loss resulting from the fraudulent use
We will pay you $50 for each day you are in Hospital if you                                                                                   of any credit card held by you following the loss of the
are in Hospital for more than 48 continuous hours while you          •	   you	have	totally	lost	all	of	the	sight	in	one	or	both	eyes,	
                                                                                                                                              card during your Journey.
are Overseas.                                                             or the use of a hand or foot at or above the wrist or
                                                                          ankle; and                                                     We will only cover those amounts not covered by any
5.2 WE WILL NOT PAY                                                                                                                      guarantee given by the bank or issuing company to you as
                                                                     •	   the	loss	is	for	at	least	12	months	and,	in	our	opinion	
                                                                                                                                         the cardholder covering such losses.
a]   We will not pay for the first 48 continuous hours you                after consultation with an appropriate medical
     are in Hospital.                                                     specialist, will continue indefinitely.                        9.2 WE WILL NOT PAY
b]   We will not pay if you cannot claim for Overseas                The amount we will pay for the permanent disability of              We will not pay if:
     medical expenses in Section 3 (Overseas Emergency               accompanying Dependants is $5,000 per Dependant.
     Medical and Hospital Expenses).                                                                                                     a]   you do not report the theft within 24 hours to the police
                                                                     The limit for the permanent disability of one person who is              and, in the case of credit cards and travellers cheques,
                                                                     not an accompanying Dependant is the sum insured as per                  to the issuing bank or company in accordance with
6    ACCIDENTAL DEATH                                                the Plan selected.                                                       the conditions under which the cards or cheques were
                                                                                                                                              issued; and
                                                                     7.2 WE WILL NOT PAY
You have this cover if you choose Plan A, B or F.                                                                                        b]   you cannot provide us with a written statement from them.
                                                                     YOU MUST CHECK GENERAL EXCLUSIONS
6.1 WE WILL PAY                                                      APPLICABLE TO ALL SECTIONS PAGES 37 TO 39
We will pay the death benefit, to the estate of the                  FOR REASONS WHY WE WILL NOT PAY.                                    10   THEFT OF CASH
deceased, if:
a]   you are Injured during your Journey and you die                 8    LOSS OF INCOME                                                 You have this cover if you choose Plan A or F.
     because of that Injury within 12 months of the Injury; or                                                                           PLEASE NOTE: If you chose Plan A, you will not have cover under
                                                                                                                                         this Section while travelling in New Zealand.
b]   during your Journey, something you are travelling on            You have this cover if you choose Plan A or F.
     disappears, sinks or crashes and you are presumed               PLEASE NOTE: If you chose Plan A, you will not have cover under     10.1 WE WILL PAY
     dead and your body is not found within 12 months.               this Section while travelling in New Zealand.
                                                                                                                                         We will pay for cash, bank notes, currency notes, postal
The amount we will pay for the death of accompanying                                                                                     orders or money orders stolen from your person during
Dependants is $5,000 per Dependant.                                  8.1 WE WILL PAY
                                                                                                                                         your Journey.
                                                                     If you are Injured during your Journey and become disabled
The limit for the death of one person who is not an                  within 30 days because of the Injury, and the disablement
accompanying Dependant is the sum insured as per the                                                                                     10.2 WE WILL NOT PAY
                                                                     continues for more than 30 days after your return to New
Plan selected.                                                                                                                           a]   We will not pay if you do not report the theft within 24
                                                                     Zealand, we will pay you $400 per week for a period
                                                                                                                                              hours to the police or an office of the bus line, airline,
                                                                     of up to 26 weeks.
6.2 WE WILL NOT PAY                                                                                                                           shipping line or rail authority you were travelling on
We will not pay for death caused by suicide or for any               We will only pay if you cannot do your normal or suitable                when the theft occurred. You can prove that you made
other reason other than caused by Injury as defined under            alternative work and you lose all your income.                           a report by providing us with a written statement from
“Words with Special Meanings” on page 14.                                                                                                     whoever you reported it to.
                                                                     8.2 WE WILL NOT PAY
                                                                                                                                         b]   We will not pay if the cash, bank notes, currency
                                                                     a]   We will not pay for the first 30 days of your                       notes, postal orders or money orders were not on your
                                                                          disablement from the time you return to New Zealand.                person at the time they were stolen.
                                                                     b]   We will not pay for the loss of income of Dependants.

                                                                28                                                                 29                                                                  30
11   LUGGAGE AND PERSONAL EFFECTS                                 11.2 WE WILL NOT PAY                                                 n]   you are entitled to be reimbursed by the bus line,
                                                                  We will not pay a claim in relation to your Luggage and                   airline, shipping line or rail authority you were travelling
                                                                  Personal Effects if:                                                      on when the loss, theft, misplacement or damage
You have this cover if you choose Plan A or F.
                                                                                                                                            occurred. However, if you are not reimbursed the
11.1 WE WILL PAY                                                  a]   you do not report the loss, theft or misplacement within             full amount of your claim, we will pay the difference
                                                                       24 hours to the police or an office of the bus line,                 between the amount of your loss and what you were
a]   We will pay the repair cost or value of any Luggage
                                                                       airline, shipping line or rail authority you were travelling         reimbursed, up to the limit of your cover (allowing for
     and Personal Effects which, during the Journey, are
                                                                       on when the loss, theft or misplacement occurred. You                depreciation due to age, wear and tear).
     stolen or accidentally damaged or are permanently lost.
                                                                       can prove that you made a report by providing us with
     When calculating the amount payable we will apply                 a written statement from whoever you reported it to.            o]   the loss or damage is to, or of, sporting equipment
     depreciation due to age, wear and tear for each item.                                                                                  while in use (including surfboards).
                                                                  b]   your jewellery, mobile phone, camera, video camera,
     The amount of such depreciation will be determined by
                                                                       personal computer, computer equipment or their
     us. No depreciation will be applied to goods purchased                                                                            12   LUGGAGE AND PERSONAL EFFECTS
                                                                       accessories are transported in the cargo hold of any
     duty free prior to your departure or goods purchased                                                                                   DELAY EXPENSES
                                                                       aircraft, ship, train, tram or bus.
     during your Journey.
                                                                  c]   the loss, theft or damage is to, or of, bicycles.
     We will not pay more than the original purchase price
                                                                                                                                       You have this cover if you choose Plan A or F.
     of any item. We have the option to repair or replace the     d]   the loss, theft or damage is to, or of, items left behind
     Luggage and Personal Effects instead of paying you.               in any hotel or motel room after you have checked out           PLEASE NOTE: If you chose Plan A, you will not have cover under
                                                                       or items left behind in any aircraft, ship, train, tram, taxi   this Section while travelling in New Zealand.
b]   The maximum amount we will pay for any item (ie. the
                                                                       or bus.
     item limit) is:                                                                                                                   12.1 WE WILL PAY
     •	   $3,000	for	personal	computers,	video	recorders	or	      e]   the loss, theft or damage is to, or of, watercraft of any       We will reimburse you if any items of your Luggage and
          cameras.                                                     type (other than surfboards).                                   Personal Effects are delayed, misdirected or misplaced by
     •	   $1,000	for	mobile	phones	(including	PDAs	and	           f]   the Luggage and Personal Effects was being sent                 the Carrier for more than 12 hours, and in our opinion it was
          any items with phone capabilities)                           unaccompanied or under a freight contract.                      reasonable for you to purchase essential items of clothing
                                                                                                                                       or other personal items.
     •	   $750	for	all	other	unspecified	items.                   g]   the loss or damage Arises from any process of
                                                                       cleaning, repair or alteration.                                 Your claim must contain written proof from the Carrier who
     A pair or related set of items, for example (but not
     limited to):                                                 h]   the loss or damage Arises from ordinary wear and                was responsible for your Luggage and Personal Effects that
                                                                       tear, deterioration, atmospheric or weather conditions,         they were delayed, misdirected or misplaced.
     •	   a	camera,	lenses	(attached	or	not),	tripod	and	
          accessories;                                                 insects, rodents or vermin.                                     We will deduct any amount we pay you under this Section
     •	   a	matched	or	unmatched	set	of	golf	clubs,	golf	         i]   the Luggage and Personal Effects were left                      for any subsequent claim for lost Luggage and Personal
          bag and buggy, or                                            Unsupervised in a Public Place.                                 Effects (Section 11).

     •	   a	matching	pair	of	earrings,                            j]   the Luggage and Personal Effects were left unattended           12.2 WE WILL NOT PAY
                                                                       in a motor vehicle unless they were stored in the boot
     are considered as only one item for the purpose of                                                                                We will not pay if you are entitled to compensation from
                                                                       or in a Locked Storage Compartment.
     this insurance, and the appropriate single item limit                                                                             the bus line, air line, shipping line or rail authority you were
     will be applied.                                             k]   the Luggage and Personal Effects were left overnight in         travelling on for the relevant amount claimed.
                                                                       a motor vehicle even if they were stored in the boot or
c]   Luggage and Personal Effects left in a motor vehicle                                                                              However, if you are not reimbursed the full amount, we will
                                                                       in a Locked Storage Compartment.
     are only covered during daylight hours and must                                                                                   pay the difference between the amount of your expenses
     have been stored in the boot or in a Locked Storage          l]   the Luggage and Personal Effects have an electrical or          and what you were reimbursed up to the limit of your cover.
     Compartment, and forced entry must have been made.                mechanical breakdown.
     No cover applies if Luggage and Personal Effects are         m] the Luggage and Personal Effects are fragile, brittle
     left unattended in the passenger compartment of the             or an electronic component is broken or scratched –
     motor vehicle, or if the Luggage and Personal Effects           unless either:
     have been left in the motor vehicle overnight.                    •	   it	is	the	lens	of	spectacles,	binoculars	or	
     The most we will pay if your Luggage and Personal                      photographic or video equipment; or
     Effects are stolen from the locked boot or from a                 •	   the	breakage	or	scratch	was	caused	by	a	crash	
     Locked Storage Compartment of an unoccupied motor                      involving a vehicle in which you are travelling.
     vehicle during daylight hours is $200 for each item and
     $2,000 in total for all stolen items.




                                                             31                                                                  32                                                                   33
13   TRAVEL DELAY EXPENSES                                         15    PERSONAL LIABILITY                                             16   RENTAL VEHICLE

You have this cover if you choose Plan A, B or F.                  You have this cover if you choose Plan A, B or F.                    You have this cover if you choose Plan A, B or F.
                                                                   15.1 WE WILL PAY
13.1 WE WILL PAY                                                                                                                        16.1 WE WILL PAY
                                                                   We will cover your legal liability for payment of compensation
We will reimburse the cost of your Reasonable additional           in respect of:                                                       a]   We will reimburse the Rental Vehicle insurance excess
meals and accommodation expenses if a delay to your                                                                                          or the cost of repairing the vehicle, whichever is the
Journey, for at least 6 hours, Arises from circumstances           •	    death	or	bodily	injury;	and/or                                      lesser, if, during the Journey, the Rental Vehicle is
outside your control.                                              •	    physical	loss	of,	or	damage	to,	property,                           involved in a motor vehicle accident while you are
                                                                                                                                             driving, or is damaged or stolen while in your custody.
We will pay up to $200 at the end of the initial 6 hour            occurring during your Journey which is caused by an
                                                                                                                                             You must provide a copy of the repair account
period. In addition, we will pay up to $200 for each full 24       accident or a series of accidents attributable to one source or
                                                                                                                                             and/or	quote.
hour period that the delay continues beyond the initial 6          originating cause.
hour delay.                                                                                                                                  This cover does not take the place of Rental Vehicle
                                                                   We will also pay your Reasonable legal expenses for settling or           insurance and only provides cover for the excess
                                                                   defending the claim made against you.                                     component up to the applicable benefit limit.
13.2 WE WILL NOT PAY
We will not pay if a delay to your Journey Arises from any of      You must not admit fault or liability for the claim, or incur any    b]   We will also pay up to $500 for the cost of returning
the following reasons:                                             legal costs without our prior written approval.                           your Rental Vehicle to the nearest depot, if your
                                                                                                                                             attending	Medical	Adviser	certifies	in	writing	that	you	
a]   the financial collapse of any transport, tour or              15.2 WE WILL NOT PAY                                                      are unfit to do so during your Journey.
     accommodation provider;
                                                                   We will not reimburse you for anything you have to pay
b]   an act or threat of terrorism.                                because of a legal claim against you for causing bodily injury,      16.2 WE WILL NOT PAY
                                                                   death or loss or damage to, or of, property, if the claim Arises     We will not pay a claim involving the theft or damage to
Nor will we pay if:
                                                                   out of or is for:                                                    your Rental Vehicle if the claim Arises from you operating or
c]   you can claim your additional meals and                                                                                            using the Rental Vehicle:
                                                                   a]    bodily injury to you, your Travelling Companion, or to a
     accommodation expenses from anyone else.
                                                                         Relative or employee of either of you;                         a]   in violation of the rental agreement;
                                                                   b]    damage to property belonging to you, or in your care or        b]   while affected by alcohol or any other drug in a way
14   ALTERNATIVE TRANSPORT EXPENSES                                      control, or belonging to, or in the care or control of, your        that is against the law of the place you are in; or
                                                                         Relative or your Travelling Companion, or to an employee
                                                                                                                                        c]   without a licence for the purpose that you were using it.
                                                                         of either of you;
You have this cover if you choose Plan A or F.
PLEASE NOTE: If you chose Plan A, you will not have cover under    c]    the ownership, custody or use of any aerial device,
this Section while travelling in New Zealand.                            watercraft or mechanically propelled vehicle;
                                                                   d]    the conduct of a business, profession or trade;
14.1 WE WILL PAY
                                                                   e]    any loss, damage or expenses which are covered or
We will pay your Reasonable additional travel expenses to                should have been covered under a statutory or
reach a wedding, funeral, conference, sporting event or                  compulsory insurance policy, statutory or compulsory
prepaid	travel/tour	arrangements	on	time	if	your	scheduled	              insurance or compensation scheme or fund, or under
transport is cancelled, delayed, shortened or diverted and               workers’ compensation legislation, an industrial award or
that means you would not arrive on time.                                 agreement, or accident compensation legislation;
14.2 WE WILL NOT PAY                                               f]    any fine, or penalty, or aggravated, punitive, exemplary or
                                                                         liquidated damages;
a]   We will not pay if the cancellation, delay, shortening
     or diversion of your scheduled transport Arises               g]    disease that is transmitted by you;
     from the financial collapse of any transport, tour or         h]    any relief or recovery other than monetary amounts;
     accommodation provider.                                       i]    a contract that imposes on you a liability which you would
b]   We will not pay if your claim Arises from an act or                 not otherwise have;
     threat of terrorism.                                          j]	   assault	and/or	battery	committed	by	you	or	at	your	
                                                                         direction; or
                                                                   k]    conduct intended to cause bodily injury, property damage
                                                                         or liability with reckless disregard for the consequences of
                                                                         you or any person acting with your knowledge, consent or
                                                                         connivance.


                                                              34                                                                 35                                                                 36
                                                                    12 Your claim Arises because you did not follow advice              26 You were under the influence of any intoxicating
     GENERAL EXCLUSIONS APPLICABLE                                     in the mass media or any government or other official               liquor or drugs except a drug prescribed to you by
                                                                       body’s warning:                                                     a	Medical	Adviser,	and	taken	in	accordance	with	
     TO ALL SECTIONS                                                                                                                       their instructions.
                                                                        •	   against	travel	to	a	particular	country	or	parts	of	a	
                                                                             country; or                                                27 Despite their advice otherwise following your call
WE WILL NOT PAY UNDER ANY CIRCUMSTANCES IF:                                                                                                to Allianz Global Assistance, you received private
                                                                        •	   of	a	strike,	riot,	bad	weather,	civil	protest	or	
                                                                                                                                           Hospital or medical treatment where public funded
                                                                             contagious disease (including an Epidemic
GENERAL                                                                                                                                    services or care is available in New Zealand or under
                                                                             or Pandemic);
1     You do not act in a responsible way to protect yourself                                                                              any Reciprocal Health Agreement between the
      and your property and to avoid making a claim.                    and you did not take appropriate action to avoid                   Government of New Zealand and the government of
                                                                        or minimise any potential claim under your policy                  any other country.
2     You do not do everything you can to reduce your loss as           (including delay of travel to the country or part of the
      much as possible.                                                                                                                 28 Your claim Arises from any medical procedures in
                                                                        country referred to in the warning).
                                                                                                                                           relation	to	AICD/ICD	insertion	during	Overseas	travel.	
3     Your claim is for consequential loss of any kind, including       Refer to www.who.int and www.safetravel.govt.nz for                If you, your Travelling Companion or a Relative (as
      loss of enjoyment.                                                further information.                                               listed on your Certificate of Insurance) requires this
4     At the time of purchasing the policy, you were aware of       13 Your claim Arises from any act of war, whether war                  procedure, due to sudden and acute onset which
      something that would give rise to you making a claim             is declared or not, or from any rebellion, revolution,              occurs for the first time during your period of cover
      under this policy.                                               insurrection or taking of power by the military.                    and not directly or indirectly related to a Pre-existing
                                                                                                                                           Medical	Condition,	we	will	exercise	our	right	to	organise	
5     Your claim is for a loss which is recoverable by              14 Your claim Arises from a nuclear reaction or                        a repatriation to New Zealand for this procedure to
      compensation under the Accident Compensation                     contamination from nuclear weapons or radioactivity.                be completed.
      Scheme, any other workers compensation or transport
      accident laws or by any government sponsored fund,            15	 Your	claim	Arises	from	biological	and/or	chemical	              29   Your claim Arises from or is any way related to the death
      plan, or medical benefit scheme, or any other similar type        materials, substances, compounds or the like used                    or hospitalisation of any person aged 85 years and over,
      legislation required to be effected by or under a law.            directly or indirectly for the purpose to harm or to                 regardless of the country in which they may live.
                                                                        destroy	human	life	and/or	create	public	fear.	
6     Your claim Arises from errors or omissions in any booking
                                                                                                                                        SPORTS AND LEISURE
      arrangements, or failure to obtain the relevant visa,         MEDICAL
      passport or travel documents.                                                                                                     30 Your claim Arises because you hunt, race (other than
                                                                    16 Your claim Arises from, is related to or associated with            on foot), engage in Open Water Sailing, play polo,
7     Your claim Arises because you act illegally or break             any	Pre-existing	Medical	Condition.                                 go mountaineering or rock climbing using ropes or
      any government prohibition or regulation including visa                                                                              climbing equipment (other than for hiking), or from
                                                                    17 You take a blood-thinning prescription medication such
      requirements.                                                                                                                        professional sport of any kind, or from parachuting or
                                                                       as Warfarin (also known under brand names such as
8     Your claim Arises from a government authority                    Coumadin,	Jantoven,	Marevan,	and	Waran).                            hang gliding.
      confiscating, detaining or destroying anything.                                                                                   31 Your claim Arises because you dive underwater using
                                                                    18 Your claim is in respect of travel booked or undertaken
9	    Your	claim	Arises	from	being	in	control	of	a	Motorcycle	         against	the	advice	of	any	Medical	Adviser.	                         an artificial breathing apparatus, unless you hold an
      without a current New Zealand motorcycle licence, or you                                                                             open water diving licence issued in New Zealand or
                                                                    19 Your claim Arises from any Injury or Sickness where a               you were diving under licensed instruction.
      are	a	passenger	travelling	on	a	Motorcycle	that	is	in	the	
                                                                       metastatic or terminal prognosis was made prior to the
      control of a person who does not hold a current motorcycle                                                                        32 Your claim Arises from travel in any air supported
                                                                       issue of the Certificate of Insurance.
      licence valid for the country you are travelling in.                                                                                 device other than as a passenger in a fully licensed
                                                                    20 Your claim Arises out of pregnancy, childbirth or related           aircraft operated by an airline or charter company.
10	 Your	claim	Arises	from	being	in	control	of	a	Moped	or	
                                                                       complications.                                                      This exclusion does not apply to regulated or
    Scooter without a current New Zealand motorcycle or
    drivers licence, or you are a passenger travelling on a         21 Your claim involves a Hospital where you are being                  licensed ballooning.
    Moped	or	Scooter	that	is	in	the	control	of	a	person	who	           treated for addiction to drugs or alcohol, or are using it
    does not hold a current motorcycle or drivers licence              as a nursing, convalescent or rehabilitation place.
    valid for the country you are travelling in.                    22 Your claim involves the cost of medication in use at the
11 Your claim Arises from, is related to or associated with:           time the Journey began or the cost for maintaining a
                                                                       course of treatment you were on prior to the Journey.
      •	   an	actual	or	likely	Epidemic	or	Pandemic;	or
                                                                    23 Your claim Arises from or is in any way related to
      •	   the	threat	of	an	Epidemic	or	Pandemic.
                                                                       depression, anxiety, stress, mental or nervous conditions.
      Refer to www.who.int and www.safetravel.govt.nz for
                                                                    24 Your claim Arises from suicide or attempted suicide.
      further information on Epidemics and Pandemics.
                                                                    25 Your claim Arises from a sexually transmitted disease.


                                                              37                                                                   38                                                              39
CLAIMS                                                              YOU MUST NOT ADMIT FAULT OR LIABILITY                              RECOVERY
                                                                    In relation to any claim under this policy you must not admit      We will apply any money we recover from someone else
                                                                    that you are at fault, and you must not offer or promise to        under a right of subrogation in the following order:
                                                                    pay any money, or become involved in litigation, without
HOW TO MAKE A CLAIM                                                 our approval.                                                      1.   to us, our administration and legal costs Arising from
                                                                                                                                            the recovery.
You must give us notice of your claim as soon as possible by
completing a claim form (available online at www.travelclaims.      YOU MUST HELP US TO RECOVER ANY MONEY WE                           2.   to us, an amount equal to the amount that we paid
com.au or supplied by our Client Services department –              HAVE PAID                                                               to you under the policy.
refer to the contact details on the back cover of this Policy       If we have a claim against someone in relation to the money        3.   to you, your uninsured loss (less any Excess).
Wording), and posting it to the address shown on the claim          we have to pay under this policy, you must do everything you
form. If the claim form is not fully completed by you, we                                                                              4.   to you, any Excess.
                                                                    can to help us do that in legal proceedings. If you are aware
cannot process your claim and we can reduce your claim by           of any third party that you or we may recover money from,          Once we pay your total loss we will keep all money left over.
the amount of prejudice we have suffered because of                 you must inform us of such third party.                            If we have paid your total loss and you receive a payment from
the delay.                                                                                                                             someone else for that loss or damage, you must pay us the
                                                                    IF YOU CAN CLAIM FROM ANYONE ELSE, WE WILL                         amount of that payment up to the amount of the claim we
You must give us any information we reasonably ask for to
                                                                    ONLY MAKE UP THE DIFFERENCE                                        paid you.
support your claim at your expense, such as but not limited
to police reports, valuations, medical reports, original receipts   If you can make a claim against someone in relation to a loss      If we pay you for lost or damaged property and you later
or proof of ownership. If required, we may ask you to provide       or expense covered under this policy and you do not get paid       recover the property or it is replaced by a third party, you
us with translations into English of such documents to enable       the full amount of your claim, we will make up the difference.     must pay us the amount of the claim we paid you.
us to carry out our assessment of your claim.                       You must claim from them first.
You must co-operate with us at all times in relation to the                                                                            FRAUD
provision of supporting evidence and such other information         OTHER INSURANCE                                                    Insurance fraud places additional costs on honest
as we may reasonably require.                                       If any loss, damage or liability covered under this policy         policyholders.	Fraudulent	claims	force	insurance	premiums	to	
                                                                    is covered by another insurance policy, you must give              rise. We encourage the community to assist in the prevention
•	   For	medical,	Hospital	or	dental	claims,	contact	Allianz	
                                                                    us details.                                                        of insurance fraud.
     Global Assistance as soon as practicable.
                                                                    We will only make any payment under this policy once the           You can help by reporting insurance fraud by calling Allianz
•	   For	loss	or	theft	of	your	Luggage	and	Personal	Effects,	
                                                                    other insurance policy is exhausted. If we have paid your          Global Assistance on +61 7 3305 8871. All information will
     report it immediately to the police and obtain a written
                                                                    claim in full first, we may seek contribution from your other      be treated as confidential and protected to the full extent
     notice of your report.
                                                                    insurer. You must give us any information we reasonably ask        under law.
•	   For	damage	or	misplacement	of	your	Luggage	and	                for to help us make a claim from your other insurer.
     Personal Effects caused by the airline or any other
     operator or accommodation provider, report the damage          SUBROGATION
     or misplacement to an appropriate official and obtain a
     written report, including any offer of settlement that they    We may, at our discretion undertake in your name and on your
     may make.                                                      behalf, control and settlement of proceedings for our own
                                                                    benefit, to recover compensation or secure indemnity from
•	   Submit	full	details	of	any	claim	in	writing	within	30	days	    any party in respect of anything covered by this policy. You are
     of your return.                                                to assist and permit to be done, all acts and things as required
                                                                    by us for the purpose of recovering compensation or securing
CLAIMS ARE PAYABLE IN NEW ZEALAND DOLLARS                           indemnity from other parties to which we may become entitled
TO YOU                                                              or subrogated upon us paying your claim under this policy,
We will pay all claims in New Zealand dollars. We will pay you      regardless of whether we have yet paid your claim and whether
unless you tell us to pay someone else. The rate of currency        or not the amount we pay you is less than full compensation
exchange that will apply is the rate at the time you incurred       for your loss. These rights exist regardless of whether your
the expense.                                                        claim is paid under a non-indemnity or an indemnity clause
                                                                    of this policy.
DEPRECIATION
Depreciation will be applied to claims for Luggage and
Personal Effects at such rates as reasonably determined by
Allianz Global Assistance.




                                                             40                                                                  41                                                                   42
     HEALTH TIPS

For	vaccination	and	health	advice,	including	information	on	
disease outbreaks, visit:
www.cdc.gov or www.who.int or www.safetravel.govt.nz

BEFORE TRAVEL, CONSULT YOUR HEALTH PROFESSIONAL
TO DISCUSS:
•	Itinerary		•	Duration	of	travel		•	Style	of	travel		
•	Past	medical	history		•	Vaccination	requirements		•	Pregnancy		
•	Allergies		•	Pre-existing	Medical	Conditions		•	Disease	prevention		
  M
•		 edication (ensure that any medications taken with you are legal in the
     country you will visit – make sure you carry a letter of approval from your
     doctor/dentist for any essential medication you need to take with you)

TIPS FOR LONG DISTANCE TRAVELLERS
•	      While	travelling,	regularly	exercise	the	lower	limbs	to	
        encourage blood flow
•	      Drink	plenty	of	non-alcoholic	drinks	to	prevent	dehydration

OTHER USEFUL TIPS
•	      Carry	a	small	first-aid	kit	with	you	containing	a	packet	of	
        adhesive dressings, some insect repellent, antiseptic cream
        and water sterilisation tablets (this takes up little space and
        could be useful). Emergency medical travel kits are available.
•	      Unless	you	know	the	water	you	are	using	is	safe	(bottled	
        water usually is), sterilise all drinking water either by boiling or
        using sterilisation tablets.
•	      It	is	unwise	to	have	your	skin	pierced	(ie.	acupuncture,	
        tattooing, ear piercing, etc.) unless you can be sure that the
        equipment used is sterile – a needle wiped with an alcohol
        swab is not necessarily sterile. Keep a note on your person
        advising of any significant medical condition affecting you
        (eg. diabetes, angina pectoris, haemophilia).

THE THREE R’S OF TRAVEL VACCINATION
Routine vaccinations (childhood or adult vaccinations)
•	Tetanus/diphtheria		•	Polio		•	MMR		•	Influenza		
•	Pneumococcal		•	Varicella
Required vaccinations
When crossing some international borders, certain vaccinations
are required, such as:
•	Yellow	Fever		•	Cholera		•	Meningococcal
Recommended vaccinations
There are some vaccinations recommended when travelling
overseas specific to your destination. These may include:
•	Hepatitis	A		•	Hepatitis	B		•	Typhoid		•	Japanese	Encephalitis		
•	Poliomyelitis		•	Rabies		•	Cholera
       Please see your doctor to identify your specific needs.


                                                                        43
24 hour emergency assistance
within New Zealand: 0800 778 103
from Overseas:      +61 7 3305 7465
                                      (Reverse charge)


Sales enquiries
within New Zealand: 0800 778 108
from Overseas:      +61 7 3305 7491
                                      (Reverse charge)


Claims enquiries
within New Zealand: 0800 778 109
from Overseas:      +61 7 3305 7492
                                      (Reverse charge)



(+ means that you need to dial the outbound International Dialling
Code from the Country you are making the telephone call from.)




This insurance is issued and managed by
AGA Assistance Australia Pty Ltd,
trading as Allianz Global Assistance
Company No. 2341888
74 High Street, Toowong QLD 4066, Australia

This insurance is arranged by
Virgin Australia Airlines Pty Ltd (Virgin Australia)
as agent for Allianz Global Assistance

This insurance is underwritten by
Allianz New Zealand Limited (Allianz)
Company No. 445514
Level	1,	152	Fanshawe	Street,	Auckland	1010,	New	Zealand




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