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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
SECTION 9 – Travel Documents, Credit Cards & Travellers Cheques 30
SECTION 10 – Theft of Cash 30
SECTION 11 – Luggage & Personal Effects 31
SECTION 12 – Luggage & Personal Effects Delay Expenses 33
SECTION 13 – Travel Delay Expenses 34
SECTION 14 – Alternative Transport Expenses 34
SECTION 15 – Personal Liability 35
TRAVEL INSURANCE SECTION 16 – Rental Vehicle Excess 36
General Exclusions Applicable to all Sections 37
– NEW ZEALAND
Claims 40
Policy Wording
Health Tips 43
Contact Details Back Cover
http://www.virginblue.co.nz/insurance
Effective 21 December 2010
your own doctor, when you should contact Mondial WHo Is MonDIAL AssIstAnCE?
ABoUt tHIs PoLICY WoRDInG Assistance concerning 24 hour medical assistance, Mondial Assistance is a trading name of ETI Australia Pty
Overseas hospitalisation or medical evacuation, and more; Ltd, Company No. 2341888. Mondial Assistance has been
• When We will not pay a claim under each Section authorised by Allianz to enter into and arrange the policy
This Policy Wording sets out the cover available and the applicable to the cover you choose (“Your Policy and deal with and settle any claims under it, as the agent of
terms and conditions which apply. You need to read it Cover” pages 22 to 36) and “General Exclusions Allianz, not as your agent. Mondial Assistance acts under a
carefully to make sure you understand it and that it meets Applicable to all sections” pages 37 to 39 (this binder which means that it can do these things as if it were
your needs. restricts the cover and benefits); and the insurer. It administers all emergency assistance services
and benefits of this insurance. You may contact Mondial
This Policy Wording, together with the Certificate of Insurance • “Claims” (pages 40 to 42) – this sets out certain Assistance in an emergency 24 hours a day, 7 days a week.
and any other document that we tell you forms part of your obligations that you and we have. If you do not meet
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 We may need to update this Policy Wording from time to
ABoUt tHE AVAILABLE PLAns time if certain changes occur where required and permitted
When you apply for the policy, we will confirm with you
by law. We will issue you with a new Policy Wording to
You can choose one of these 4 Plans: things such as the period of cover, your premium, what
update the relevant information except in limited cases.
cover options and Excess will apply, and whether any
Plan A Comprehensive – International (includes Sections* standard terms need to be varied (this may be by way of an
1 to 16); Where the information is not something that would be
endorsement). These details are recorded on the Certificate materially adverse from the point of view of a reasonable
Plan B Comprehensive – new Zealand only (includes of Insurance we issue to you. person considering whether to buy this product, we may
Sections 1, 4, 6, 11, 13, 15 & 16); issue you with notice of this information in other forms or
This Policy Wording sets out the cover we are able to
Plan D Cancellation Cover (includes Section 1 only); keep an internal record of such changes (you can get a
provide you with. You need to decide if the benefit limits,
paper copy free of charge by calling us).
type and level of cover are appropriate for you and will
Plan F Frequent traveller Cover (includes Sections* 1 to
16 while travelling internationally). While you are travelling in New
cover your potential loss.
DAtE PREPARED
Zealand (destination must be a minimum of 250kms from Home), If you have any queries, want further information about
you will only have cover under Sections 1, 4 & 6 to 16. The preparation date of this Policy Wording is
the policy or want to confirm a transaction, please use the
21 December 2010.
* you will not have cover under certain Sections while travelling in contact details on the back cover of this Policy Wording.
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
• Emergency 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.
USA, Hawaii, Canada, Africa, Worldwide
Journey (Plan A* only)
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 —
S.W. Pacific, Australia, Pacific Travellers on domestic cruises in New Zealand waters may
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
while travelling in New Zealand – see below for details.
• your Journey commences and ends in New Zealand. emergency medical treatment.
Please contact us if there is any uncertainty as to which
Geographical Region applies.
AGE LIMIts
If you are travelling to multiple destinations which are in
Age limits are as at the date of issue of your Certificate of
different Geographical Areas, you must select the highest
Insurance.
Geographical Area (Pacific being the lowest Geographical
Area, Worldwide the highest), as this will cover travel in
Travellers 71 to 85 years of age
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:
If you are travelling to Bali (and have accordingly selected Pacific
Plan F 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 and * Plan F – Frequent Traveller
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
$250 applies to this Plan. $250
10. Theft of Cash
*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
* sub-limits apply – refer to the “Your Policy Cover” section of this Policy Wording for details (pages 22 to 36).
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 New
e) any condition for which you see a medical specialist; or 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 the does not exceed 4.5 tonnes, a sedan, hatchback or
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 Personal
professional (including dentist or chiropractor) at any 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 Mondial Assistance or its
business travel. A Journey can be made up of business and/or representatives, please call Mondial Assistance on 0800
leisure travel (with the leisure component being up to 37 days), JURIsDICtIon AnD CHoICE oF LAW 778 109, or put the complaint in writing and send it to The
however, the whole Journey cannot exceed a total of 90 days. 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. Mondial 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 Mondial
cancel it within 14 days after you are issued your Certificate clause applies. Assistance’s procedures, please contact them.
of Insurance and Policy Wording. You will be given a refund A dispute can be referred to the Insurance and Savings
of the premium you paid, provided you have not started your FAIR InsURAnCE CoDE Ombudsman Service (ISO), subject to its terms of reference.
Journey and you do not want to make a claim or to exercise The ISO 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 with its terms. The contact details for the ISO are:
refund any part of your premium if you do. Code are available from our office.
Insurance and savings ombudsman service (Iso)
PO Box 10-845, Wellington 6143, New Zealand
EXtEnsIon oF CoVER YoUR DUtY oF DIsCLosURE
Freephone: 0800 888 202
You may extend your cover free of charge if you find that your When you apply for insurance or alter this policy, you have Telephone: +64 (04) 499 7612
return to New Zealand has been delayed because of one or a duty at law, to disclose to us all material facts. You must Fax: +64 (04) 499 7614
more of the following: disclose all material facts to us as soon as you become aware of Website: www.iombudsman.org.nz
them. A material fact is one that may influence a prudent insurer E-mail: info@iombudsman.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 Mondial
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 Mondial Assistance of your
evaluate and arrange your travel insurance. We also use admittance to Hospital or your early return to New Zealand
it to administer and provide the insurance services and based on written medical advice.
manage your and our rights and obligations in relation to
If you do not get the medical treatment you expect, Mondial
the insurance services, including managing, processing and
Assistance can assist you but neither Allianz nor Mondial
investigating claims. We may also collect, use and disclose
Assistance are liable for anything that results from that.
it for product development, marketing, research, IT systems
maintenance and development, recovery against third parties
oVERsEAs HosPItALIsAtIon oR MEDICAL
and for any 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 Mondial Assistance is only a telephone call away. The team
above process, such as travel consultants, travel insurance 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 and consulates, as well as keeping you in touch with your
providers, medical and health service providers, legal and family and work in an emergency.
other professional advisers, your agents and our related
companies. The use and disclosure of such personal If you are hospitalised you, or a member of your travelling
information will be provided to third parties for the primary party, MUST contact Mondial Assistance as soon as possible.
purposes stated above. The personal information (but not If you do not, then to the extent permissible by law, we
sensitive information) may also be used for a secondary will not pay for these expenses or for any evacuation or
purpose, but only if you would reasonably expect us to use airfares that have not been approved or arranged by Mondial
that information for such 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 Mondial 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 Mondial 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, you Your claim will be processed within 10 business days
must tell us or our agents before you provide the relevant of receiving the completed claim form and all necessary
information. documentation. If we need additional information, a written
You can seek access to and correct your personal notification will be sent to you within 10 business days.
information by contacting us. You may not access or
correct personal information of others unless you have been sAFEGUARDInG YoUR LUGGAGE AnD PERsonAL EF-
authorised by their express consent or otherwise under law, FECts
or unless they are 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
personal information, we may not be able to provide you with and Personal Effects Unsupervised in a Public Place we will
our services or products or may not be able to process your not pay your claim (for an explanation of what we mean by
application nor issue you with a policy. In cases where we do “Luggage and Personal Effects”, “Unsupervised” and “Public
not agree to give you access to some personal information, Place” – see pages 14 to 16).
we 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 all Arise because of: d] your medical transfer or evacuation if you must be
Claims” on pages 37 to 39 for other reasons why we will not transported to the nearest Hospital for emergency
b] the death, Injury or Sickness of your Travelling
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 is as a result of a Pre-existing Medical Condition.
for the meanings of words that apply throughout this Policy e] the return to New Zealand of your children or grand-
c] you or your Travelling Companion changing plans.
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 Mondial 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. Mondial Assistance will help you with any Overseas medical PLEASE NOTE: You will not have cover under this Section while
emergency (see “Overseas Hospitalisation or Medical travelling in New Zealand.
We calculate the amount we pay you as follows:
Evacuation” on page 21). You may contact them at any
• the cost of an equivalent class airline ticket based 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 Mondial Assistance will arrange for the following expenses you incur until you get back to New Zealand
airline ticket; assistance services if you Injure yourself if you Injure yourself Overseas, or become Sick there.
multiplied by: overseas, or become sick while overseas: The medical or Hospital expenses must have been
• the total number of points lost a] access to a Medical Adviser for emergency medical incurred on the written advice of a Medical Adviser.
treatment while Overseas. You must make every effort to keep your medical or
divided by the total value of points used to obtain
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 period
Zealand for treatment and you do not agree to do so, of cover, as noted on your Certificate of Insurance;
we will pay you the amount which we determine would 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 Mondial Assistance. • your Home is rendered uninhabitable by fire,
explosion, earthquake or flood.
b] when you have not notified Mondial Assistance as soon b] If you shorten your Journey and return to New Zealand
as practicable of your admittance to Hospital. on the written advice of a Medical Adviser approved by If you did not have a return ticket booked to New Zealand
Mondial Assistance, we will reimburse the Reasonable before you were Injured or became Sick, we will reduce
c] after 2 weeks treatment by a chiropractor,
cost of your return to New Zealand. We will only pay the amount of your claim by the price of the fare to New
physiotherapist or dentist unless approved by Mondial
the cost of the fare class that you had planned to travel Zealand from the place you planned to return to New
Assistance.
at and you must take advantage of any pre-arranged Zealand from. The fare will be at the same fare class as
d] if you do not take the advice of Mondial Assistance. return travel to New Zealand. the one you left New Zealand on.
e] if you have received medical care under a Reciprocal c] If, during your Journey, your Travelling Companion or a Wherever claims are made by you under this Section
National Health Scheme. Reciprocal Health Relative of either of you: and Section 1 (Cancellation Fees and Lost Deposits) for
Agreements are currently in place with Australia and cancelled services/facilities or alternative arrangements for
the United Kingdom. • dies unexpectedly;
the same or similar services/facilities, we will pay for the
• is disabled by an Injury; or higher of the two amounts, not both.
f] for damage to dentures, dental prostheses, bridges
or crowns. • becomes seriously Sick and requires
hospitalisation 4.2 WE WILL not PAY
g] relating to dental treatment involving the use of We will not pay:
precious metals or for cosmetic dentistry. (except Arising out of a Pre-existing Medical Condition),
we will reimburse the Reasonable additional cost of a] if you were aware of any reason, before your period of
h] for dental treatment caused by or related to the your return to New Zealand. We will only pay the cost cover commenced, that may cause your Journey to be
deterioration and/or decay of teeth. of the fare class you had planned to travel at. cancelled, disrupted or delayed.
i] for preventative dental treatment. d] We will reimburse you up to a maximum amount of b] if the death, Injury or Sickness of your Travelling
$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 your
Dependants is $5,000 per Dependant. 8.1 WE WILL PAY
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 o] the loss or damage is to, or of, sporting equipment
a written statement from whoever you reported it to.
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 this We will not pay if you are entitled to compensation from
or in a Locked Storage Compartment.
insurance, and the appropriate single item limit will be the bus line, air line, shipping line or rail authority you were
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 and/or
period. In addition, we will pay up to $200 for each full 24 accident or a series of accidents attributable to one source 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 25 Your claim Arises from a sexually transmitted disease.
GEnERAL EXCLUsIons APPLICABLE in the mass media or any government or other official
26 You were under the influence of any intoxicating
body’s warning:
to ALL sECtIons liquor or drugs except a drug prescribed to you by a
• against travel to a particular country or parts of a Medical Adviser, and taken in accordance with their
country; or instructions.
WE WILL not PAY UnDER AnY CIRCUMstAnCEs IF: • of a strike, riot, bad weather, civil protest or 27 Despite their advice otherwise following your call to
contagious disease (including an Epidemic or Mondial Assistance, you received private Hospital or
GEnERAL
Pandemic); medical treatment where public funded services or care
1 You do not act in a responsible way to protect yourself is available in New Zealand or under any Reciprocal
and your property and to avoid making a claim. and you did not take appropriate action to avoid
Health Agreement between the Government of New
or minimise any potential claim under your policy
2 You do not do everything you can to reduce your loss as Zealand and the government of any other country.
(including delay of travel to the country or part of the
much as possible. country referred to in the warning). 28 Your claim Arises from any medical procedures in
3 Your claim is for consequential loss of any kind, including relation to AICD/ICD insertion during Overseas travel.
Refer to www.who.int and www.safetravel.govt.nz for
loss of enjoyment. If you, your Travelling Companion or a Relative (as
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
5 Your claim is for a loss which is recoverable by 14 Your claim Arises from a nuclear reaction or Medical Condition, we will exercise our right to organise
compensation under the Accident Compensation contamination from nuclear weapons or radioactivity. a repatriation to New Zealand for this procedure to be
Scheme, any other workers compensation or transport completed.
accident laws or by any government sponsored fund, 15 Your claim Arises from biological and/or chemical
materials, substances, compounds or the like used 29 Your claim Arises from or is any way related to the death
plan, or medical benefit scheme, or any other similar type 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
destroy human life and/or create public fear. regardless of the country in which they may live.
6 Your claim Arises from errors or omissions in any booking
arrangements, or failure to obtain the relevant visa, MEDICAL sPoRts AnD LEIsURE
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
7 Your claim Arises because you act illegally or break any Pre-existing Medical Condition. on foot), engage in Open Water Sailing, play polo,
any government prohibition or regulation including visa go mountaineering or rock climbing using ropes or
17 You take a blood-thinning prescription medication such climbing equipment (other than for hiking), or from
requirements.
as Warfarin (also known under brand names such as professional sport of any kind, or from parachuting or
8 Your claim Arises from a government authority Coumadin, Jantoven, Marevan, and Waran). hang gliding.
confiscating, detaining or destroying anything.
18 Your claim is in respect of travel booked or undertaken 31 Your claim Arises because you dive underwater using
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
are a passenger travelling on a Motorcycle that is in the you were diving under licensed instruction.
metastatic or terminal prognosis was made prior to the
control of a person who does not hold a current motorcycle
issue of the Certificate of Insurance. 32 Your claim Arises from travel in any air supported
licence valid for the country you are travelling in.
20 Your claim Arises out of pregnancy, childbirth or related device other than as a passenger in a fully licensed
10 Your claim Arises from being in control of a Moped or aircraft operated by an airline or charter company.
complications.
Scooter without a current New Zealand motorcycle or This exclusion does not apply to regulated or licensed
drivers licence, or you are a passenger travelling on a 21 Your claim involves a Hospital where you are being 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
• the threat of an Epidemic or Pandemic.
to depression, anxiety, stress, mental or nervous
Refer to www.who.int and www.safetravel.govt.nz for conditions.
further information on Epidemics and Pandemics.
24 Your claim Arises from suicide or attempted suicide.
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
pay any money, or become involved in litigation, without our a right of subrogation in the following order:
HoW to MAKE A CLAIM approval.
1. to us, our administration and legal costs Arising from
You must give us notice of your claim as soon as possible by the recovery.
completing a claim form (available online at www.travelclaims. YoU MUst HELP Us to RECoVER AnY MonEY WE
com.au or supplied by our Client Services department – HAVE PAID 2. to us, an amount equal to the amount that we paid
refer to the contact details on the back cover of this Policy to you under the policy.
If we have a claim against someone in relation to the money
Wording), and posting it to the address shown on the claim we have to pay under this policy, you must do everything you 3. to you, your uninsured loss (less any Excess).
form. If the claim form is not fully completed by you, we can to help us do that in legal proceedings. If you are aware
cannot process your claim and we can reduce your claim 4. to you, any Excess.
of any third party that you or we may recover money from,
by the amount of prejudice we have suffered because of the you must inform us of such third party. Once we pay your total loss we will keep all money left over.
delay. If we have paid your total loss and you receive a payment from
IF YoU CAn CLAIM FRoM AnYonE ELsE, WE WILL someone else for that loss or damage, you must pay us the
You must give us any information we reasonably ask for to
onLY MAKE UP tHE DIFFEREnCE amount of that payment up to the amount of the claim we paid
support your claim at your expense, such as but not limited
you.
to police reports, valuations, medical reports, original receipts If you can make a claim against someone in relation to a loss
or proof of ownership. If required, we may ask you to provide or expense covered under this policy and you do not get paid If we pay you for lost or damaged property and you later
us with translations into English of such documents to enable the full amount of your claim, we will make up the difference. recover the property or it is replaced by a third party, you
us to carry out our assessment of your claim. You must claim from them first. must pay us the amount of the claim we paid you.
You must co-operate with us at all times in relation to the
provision of supporting evidence and such other information otHER InsURAnCE FRAUD
as we may reasonably require. If any loss, damage or liability covered under this policy Insurance fraud places additional costs on honest
is covered by another insurance policy, you must give us policyholders. Fraudulent claims force insurance premiums to
• For medical, Hospital or dental claims, contact Mondial rise. We encourage the community to assist in the prevention
details.
Assistance as soon as practicable. of insurance fraud.
We will only make any payment under this policy once the
• For loss or theft of your Luggage and Personal Effects,
other insurance policy is exhausted. If we have paid your You can help by reporting insurance fraud by calling Mondial
report it immediately to the police and obtain a written
claim in full first, we may seek contribution from your other Assistance on +61 7 3305 8871. All information will be
notice of your report.
insurer. You must give us any information we reasonably ask treated as confidential and protected to the full extent under
• For damage or misplacement of your Luggage and for to help us make a claim from your other insurer. law.
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 for
exchange that will apply is the rate at the time you incurred your loss. These rights exist regardless of whether your claim
the expense. 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
Mondial Assistance.
40 41 42
HEALtH tIPs
24 hour emergency assistance
within New Zealand: 0800 778 103
For vaccination and health advice, including information on
disease outbreaks, visit: from Overseas: +61 7 3305 7465
www.cdc.gov or www.who.int or www.safetravel.govt.nz
(Reverse charge)
BEFoRE tRAVEL, ConsULt YoUR HEALtH PRoFEssIonAL
to DIsCUss: sales enquiries
• Itinerary • Duration of travel • Style of travel
• Past medical history • Vaccination requirements • Pregnancy within New Zealand: 0800 778 108
• Allergies • Pre-existing Medical Conditions • Disease prevention from Overseas: +61 7 3305 7491
• Medication (ensure that any medications taken with you are legal in the (Reverse charge)
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 Claims enquiries
• While travelling, regularly exercise the lower limbs to within New Zealand: 0800 778 109
encourage blood flow
• Drink plenty of non-alcoholic drinks to prevent dehydration from Overseas: +61 7 3305 7492
(Reverse charge)
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 (+ means that you need to dial the outbound International Dialling
could be useful). Emergency medical travel kits are available. Code from the Country you are making the telephone call from.)
• 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 this insurance is issued and managed by
swab is not necessarily sterile. Keep a note on your person ETI Australia Pty Ltd, trading as Mondial Assistance
Company No. 2341888
advising of any significant medical condition affecting you
74 High Street, Toowong QLD 4066, Australia
(eg. diabetes, angina pectoris, haemophilia).
this insurance is arranged by
tHE tHREE R’s oF tRAVEL VACCInAtIon Virgin Blue Airlines Pty Ltd (Virgin Blue) as agent for Mondial Assistance
Routine vaccinations (childhood or adult vaccinations)
this insurance is underwritten by
• Tetanus/diphtheria • Polio • MMR • Influenza Allianz New Zealand Limited (Allianz)
• Pneumococcal • Varicella Company No. 445514
Level 1, 152 Fanshawe Street, Auckland 1010, New Zealand
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.
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