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					leisure international
t r a v e l   i n s u r a n c e




   the unexpected never takes a holiday
        Don’t bury your
        head in the sand
        when it comes to
        travel insurance
    Sand-diving head first off a camel in the Sahara is the
    sort of travel story you could dine out on for years.
    Hilarious in the telling, not quite so funny when it actually
    happens, downright disastrous if you don’t have reliable
    travel insurance.
    All very good reasons why our Leisure International Travel
    Insurance Policy is designed to provide the reassurance
    and support you need to make it through almost any
    situation imaginable. Our in-house emergency assistance
    network, OMEGA, is on-call from the time you start your
    journey to the moment your holiday ends - 24 hours a
    day, every day of the year, anywhere in the world.


    Who are We?
    QBE Insurance (International) Limited is a member of the
    QBE Insurance Group (ASX QBE), Australasia’s largest
    international general insurer and reinsurance group, and one of
    the top 25 insurers and reinsurers worldwide. Operating since
    1886, QBE is a name that’s recognised and trusted around the
    world as a strong and financially secure organisation.

    helping you make the right choices
    This brochure contains all the information you need to help you
    make informed choices on which components to include in your
    Leisure International Travel Insurance Policy.

    need more assistance?
    For enquiries or assistance please contact your travel agent
    or our Customer Service Centre on 0800 800 608 or email
    travelnz@qbe.co.nz
2                                                                     3
                                                                   international schedule oF BeneFits
                                                                   The benefits listed below are a summary only. For full details of
                                                                   cover be sure to read and retain the Policy Wording.

                                                                                                                               per adult
not all hospitals are like the ones at home.
                                                                    medical eXpenses - section 1
imagine being in hospital where appropriate medical
                                                                    Medical Expenses Incurred Outside Of NZ - Section 1A         Unlimited
facilities are not available, medical staff don’t speak
                                                                    Total And Permanent Disability - Section 1B                  $50,000
english and equipment is limited to a stethoscope and
                                                                    Cash In Hospital - Section 1C                                  $6,000
a bandage. or even just simply trying to rearrange your             Daily Limit                                                       $75
disrupted travel plans. sometimes you just need help.               Medical Expenses Incurred Within NZ - Section 1D               $3,000

Our in-house travellers’ assistance team OMEGA, has been            dental eXpenses - section 2

providing assistance to travellers in need since 1992. OMEGA        Emergency Dental Expenses Incurred Outside Of NZ
is a team of trained medical and insurance specialists available    - Section 2A
                                                                    - Due To Injury                                              Unlimited
24 hours a day, 7 days a week, whenever and wherever You            - Due To Sudden And Acute Pain                                $2,000
need them.                                                          Continuing Dental Expenses Incurred Within NZ Due To
                                                                                                                                   $2,000
                                                                    Injury Overseas - Section 2B
In a time of need you couldn’t be in better hands. They take a
                                                                    cancellation and additional eXpenses - section 3
personal interest, helping with the unexpected and providing the
reassurance you want. The OMEGA team support you with:              Cancellation Costs - Section 3A                              Unlimited
                                                                    Additional Costs - Section 3B                                Unlimited
• Medical Advice and Assistance                                     Tour Cancellation - Section 3C                               Unlimited
• Medical Evacuation if required                                    eXtra traVel coVer - section 4

• Urgent messages to your family or your QBE Agent                  Travel Delay - Section 4A                                      $5,000
                                                                    Sub-Limit                                                        $300
• Assistance with replacement of lost tickets                       Airfare Compensation - Section 4B                              $5,000
• Re-scheduling of travel plans disrupted through document          Resumption Of Trip - Section 4C                              $10,000
  loss, or theft or medical emergency at home or overseas           Missed Connection/Special Events - Section 4D                  $5,000
                                                                    Internet Use And Telephone Calls - Section 4E                   $250
• Introduction to lawyers for advice and representation in the
                                                                    Legal Expenses - Section 4F                                  $10,000
  event of unlawful detention
                                                                    Hijacking - Section 4G                                       Unlimited
To contact omega please refer to the toll free numbers in the       Kidnapping - Section 4H                                      $20,000
omega Assistance Wallet available from your travel agent.           Golf Green Fees - Section 4I                                    $200
                                                                    Hiring Replacement Golf And Sport Equipment - Section 4J        $200
From countries where toll free numbers are not available,
                                                                    rental Vehicle eXpenses - section 5
call reverse charge via the operator.
                                                                    Rental Vehicle Insurance Excess - Section 5A                   $5,000
Phone:    +613 8805 2800                                            Return Of Rental Vehicle - Section 5B                           $500
Fax:      +613 8805 2815                                            death eXpenses - section 6
Email:    omega@qbe.com
                                                                    Death By Injury - Section 6A                                 $50,000
                                                                    Repatriation Of Remains Or Funeral Expenses - Section 6B     $20,000
                                                                    BeneFits Back home - section 7
                                                                    Loss Of Income - Section 7A                                  $12,000
                                                                    Monthly Limit                                                 $2,000
                                                                    Home Services - Section 7B                                      $750
                                                                    Domestic Pets - Section 7C                                      $500
                                                                    luggage - section 9

                                                                    Luggage And Personal Effects - Section 9A                    $20,000
                                                                    Personal Computer, Video, Camera Item Sub Limit               $2,500
                                                                    Other Item Sub Limit                                          $1,500
                                                                    Emergency Baggage - Section 9B                                 $1,500
                                                                    Cash - Section 9C                                               $750
                                                                    Replacement Of Passports And Travel Documents
                                                                                                                                   $2,000
                                                                    - Section 9D
                                                                    personal liaBility - section 10                            $2,500,000
                                                                                                                                             5
    guidelines                                                           hoW to apply
                                                                         To apply for insurance, please complete the Application Form.
    Some words have special meanings                                     If You require cover for Your Existing Medical Condition then you
    Throughout this brochure there are certain words starting with a     will also need to complete a Travellers Medical Appraisal Form
    capital letter that have specific meanings. The words and their      or Doctors Medical Certificate (please refer to the section
    meanings are set out under definitions in the Policy Wording         Existing Medical Conditions on pages 11 and 12 to determine
    section on page 20-22.                                               whether you need to complete a Travellers Medical Appraisal
                                                                         Form or Doctors Medical Certificate).
    Eligibility
                                                                         Return all forms to Your travel consultant. If Your application is
    • This insurance is only available to permanent Residents
                                                                         approved Your travel consultant will then issue Your Policy and
      of New Zealand
                                                                         provide You with a Certificate of Insurance. Your Certificate of
    • This Policy must be issued prior to commencement of Your           Insurance confirms the cover You have chosen including any
      Trip and is not available to travellers already overseas           additional benefits, the total amount paid by You as well as
    • The terms and conditions of the Policy are subject to the          information about the terms of Your Policy.
      laws of New Zealand
    • You cannot purchase insurance more than 12 months prior            money Back guarantee
      to travel
    • Specified Item Cover is available after departure, however         Once you’ve purchased the Policy, providing no right or power
      cover for Existing Medical Conditions is only available prior      has been exercised under it by You (in other words, no claim has
      to the commencement of Your Trip                                   been made) and Your Trip has not commenced, You can return
                                                                         it within 14 days of receiving the Certificate of Insurance and
    • There is no cover available for any Snow Sports unless             receive a full refund. This does not apply to Policy extensions.
      you have selected the Snow Sports option and paid the
      additional premium
                                                                         eXcesses
    • You are not covered under this Policy if You are undertaking a
      Cruise of 4 or more consecutive days. If You are undertaking       An Excess is the amount that is subtracted from the total paid
      a Cruise please refer to Our ‘Cruise International Travel          to You should You make a claim under various sections of the
      Insurance Policy’                                                  Policy. However with Our Leisure International Travel Insurance
    • There is no cover under this Policy once You have returned to      You can choose to have either nil Excess or a $100 Excess.
      New Zealand, other than where specifically provided for in the
                                                                         When purchasing Your travel insurance You decide the level
      wording of a particular section of the Policy
                                                                         of Excess applicable to Your policy - note that the lower Your
    Duration of Your Policy                                              Excess the more You pay for Your policy.
    • This insurance is only valid when You pay the Amount Payable
      and We issue a Certificate of Insurance to You                     FreQuent traVeller
    • Cover for Cancellation costs start as soon as the Certificate of
                                                                         This is an Annual Policy designed specifically for people who
      Insurance is issued
                                                                         regularly travel overseas for periods of less than 42 days on any
    • Cover under all other sections of the Policy commences on          one trip.
      the day the Trip starts
    • The Policy ends once You have returned to Your normal place
      of residence within New Zealand; there is no cover if You
      resume Your Trip unless agreed by Us




6                                                                                                                                             7
snoW sports package
You need this if You are going to participate in any form of Snow
Sports. You will not be covered unless you include the Snow
Sports option for an additional amount of $50 per Adult. This
option covers you when skiing or snowboarding provided it is
undertaken within the boundaries of a commercially licenced
ski field.

cruises
If you are undertaking a Cruise of 4 or more days You will not
be covered under this Policy. Refer to Our ‘Cruise International
Travel Insurance Policy’ for Cruise cover.

most amateur sports are coVered
Enjoy most amateur sports on holiday knowing you’re covered.
These include:
• Archery                        • Bungee Jumping
• Canoeing                       • Cycling
• Deep Sea Fishing               • Dog Sleighing
• Football                       • Go-karting
• Golfing                        • Hiking
• Horse Riding                   • Hot Air Ballooning
• Jet Boating                    • Jet Skiing
• Kayaking                       • Kite Surfing
• Mountain Biking                • Overland Orienteering
• Parachuting                    • Paragliding
• Parasailing                    • Roller Blading
• Safari                         • Sail Boarding
• Scuba Diving                   • Sea Canoeing
• Shark Cage Diving              • Snorkelling
• Surfing                        • Tubing
• Wake Boarding                  • Water Skiing
• White Water Rafting            • Windsurfing

What’s not Covered
Professional Sporting Activity, competitive contact sports,
running with the bulls, mountaineering or rock climbing using
support ropes, racing (except on foot), hunting and base
jumping are excluded under all travel plans.
Snow Sports are excluded unless You purchase the Snow
Sports Package.




                                                                    9
     What iF you cancel your trip?                                            eXisting medical conditions
                                                                              Existing Medical Conditions as outlined under definitions on page
      international deposit                 sum insured                       21, are not covered under this Policy unless accepted by Us.
      protection
                                                                              Conditions covered free of charge
      Per Adult                             Cover available in multiples
                                            of $2,500                         Subject to being stable, not currently under review or waiting
                                                                              on treatment, the following conditions are covered under all
                                                                              Our Policies:
     Cover is available to protect any prepaid arrangements You have
     made in the event that You have to cancel Your Trip due to a             • Acne
     circumstance covered by the Policy. The cover lapses on the day          • Allergies - such as allergic rhinitis, chronic rhinitis, hayfever,
     the Trip commences.                                                        sinusitis, anaphylaxis, dermatitis, eczema, psoriasis, urticaria,
     At the time of making Your final payment for travel You should             food intolerance, latex allergy
     upgrade to the full Leisure International Travel Insurance               • Anaemia - including iron deficiency anaemia, B12 deficiency,
     Policy and We will deduct the cost of the International Deposit            folate deficiency, pernicious anaemia
     Protection Policy from the cost of the full Policy.                      • Asthma - not requiring cortisone medication and no
                                                                                hospitalisation for the past 12 months including as
     Free coVer For dependent children                                          an outpatient
                                                                              • Bell’s palsy
     Your own children, grandchildren and one other non-related child
     who are under 21 years of age and financially dependent on You           • Benign breast or renal cysts
     or another person, are automatically covered when travelling             • Bunions
     with You. If the children are not travelling with an insured Adult       • Carpal Tunnel syndrome
     under our Policy an individual premium will be required.
                                                                              • Cataracts, dry eye syndrome, glaucoma, macular degeneration
                                                                              • Coeliac disease
     senior traVellers
                                                                              • Colonic polyps
     If You are 60 years or over at the time the Trip commences               • Congenital blindness/deafness
     separate pricing and some special conditions will apply to
                                                                              • Diabetes Mellitus Types 1 and 2 - where You have no known
     Your Policy.
                                                                                cardiovascular, hypertensive, vascular disease and no related
                                                                                kidney, eye or neuropathy complications
     Senior travellers 70 years of age or over
                                                                              • Epilepsy - You have been seizure free for the past 12 months
     Travellers who are 70 years or over at the time the Trip
                                                                                and do not require more than 1 anti-seizure medication
     commences, regardless of destination or whether You require
     cover for an Existing Medical Condition, must provide Us with a          • Goitre, hypothyroidism, Hashimotos disease, Graves disease
     fully completed QBE Medical Certificate for assessment before            • Gout
     cover can be confirmed. This Certificate is available from Your          • Hiatus hernia/Gastro-oesophageal reflux disease, Peptic
     travel agent.                                                              ulcer disease
     Upon Our receipt of the fully completed QBE Medical Certificate We       • High Cholesterol (Hypercholesterolaemia)
     will confirm in writing the exact level of cover available to You. The   • High Lipids (Hyperlipidaemia)
     benefits quoted in this brochure are the maximum that may apply.
                                                                              • Insulin resistance, impaired glucose tolerance
     All other Senior travellers                                              • Incontinence
     No medical information is required other than that necessary for         • Meniere’s disease, Tinnitus
     the coverage of any Existing Medical Conditions as outlined in           • Menopause
     the following section.
                                                                              • Migraines except where You have been hospitalised in the
     Frequent Traveller Policies and Policy extensions are not available        past 12 months
     to Senior Travellers.                                                    • Nocturnal cramps
     please note: If You are heading off on a Cruise of 4 or more             • Osteoporosis - whereby there have been no fractures and You
     consecutive days You must purchase Our Cruise International                do not require more than 1 medication
10   Travel Insurance Policy as separate terms apply.                                                                                                11
     • Plantar fasciitis                                                   Let us know about a change in health
     • Raynaud’s disease                                                   Should Your state of health change between the time of
     • Sleep apnoea                                                        purchasing the Policy and the commencement of Your Trip
     • Stable high blood pressure (Hypertension)                           it is important that You notify QBE to ensure your cover.
                                                                           Special terms and conditions may be applied to Your Policy.
     • Trigeminal neuralgia
     • Trigger finger                                                      areas oF coVerage
     • Routine screening tests where no underlying disease has
       been detected
                                                                            region 1       Worldwide
     Conditions automatically accepted under
     Region 5 (travel to Australia) upon payment of                                        Worldwide except USA, Canada, Central
                                                                            region 2
     an additional fee                                                                     America, South America and Antarctica
     Any condition that is not terminal and where You:                                     United Kingdom including travel to a Region
                                                                            region 3
     • Are not on a waiting list for treatment                                             1 or Region 2 destination for up to 6 days

     • Are not registered with Palliative Care                              region 4       South Pacific Islands and Norfolk Island
     • Do not require oxygen
                                                                            region 5       Australia
     • Have not been confined to bed, home or hospital for more
       than 3 days during the 30 days prior to the issue of the Policy
     • Have not been declined insurance or had terms imposed by            upgrading your policy
       another insurer
                                                                           Policies are only valid in the areas specified in the table above.
     Conditions considered for cover by Us upon Our                        A full list of countries in which the various plan types are valid is
     evaluation of Your Preliminary Medical Appraisal                      available from Your travel agent or Our Customer Service Centre.
     Form and payment of an additional fee
                                                                           Region 2 or Region 3 (other than on a Frequent Traveller Policy)
     • All conditions not automatically accepted above
                                                                           can be used for a stopover of up to 6 days in a Region 1 or
     To apply for cover please complete the Preliminary Medical            Region 2 area. This concession is only available if the higher
     Appraisal Form attached to this brochure and submit the form to       rated plan is not Your final destination and You are insured by
     QBE for evaluation. In most cases, if You answer the questions        Us for the entire duration of Your Trip away from New Zealand.
     fully and accurately, Your application for travel insurance will be   For cover in the higher Policy area to apply in this way, the dates
     processed based on this information. In certain circumstances         of the stopover must be shown on Your Certificate of Insurance.
     We may ask You to have Your usual medical practitioner provide
                                                                           If You do not qualify for a free stopover, You can upgrade any
     additional information before a Policy can be issued. If cover is
                                                                           region (other than on a Frequent Traveller Policy) to the next
     granted You will be advised of any additional Amount Payable
                                                                           highest level for a daily premium. This feature is useful for
     and of any special terms applicable to Your Policy.
                                                                           short side trips into higher rated regions. On longer journeys
     you cannot be insured for terminal conditions, or for                 it is usually more economic to purchase a Policy at the highest
     the existing medical condition/s of someone who is not                required level for the entire Trip.
     travelling with you, or who is travelling with you but is
     not insured by QBe.                                                   eXtending your policy
     Pregnancy                                                             If You do not have an Existing Medical Condition and there are
     If You are pregnant and wish to have medical cover for the            no claims made or pending, Policies can be extended as many
     early stages of Your pregnancy please complete the Preliminary        times as You like up to a maximum duration of 18 months
     Medical Appraisal Form attached to this brochure and submit           if travel is to the USA, 24 months for other destinations.
     the form to QBE for evaluation. If We agree to provide cover for
                                                                           Extensions are only available in the 30 days prior to the current
     pregnancy it will be limited to the emergency pregnancy related
                                                                           Policy expiring. We cannot extend expired Policies. If You have
     illness of the mother up to 20 weeks gestation. There is no cover
                                                                           an Existing Medical Condition or You have made a claim or there
     for any expenses associated with or consequent upon the birth
                                                                           are claims pending, it may still be possible to extend Your Policy.
     of a child, nor is there any cover for a newly born child.
                                                                           Your travel agent or Yourself will need to contact Our Customer
12
                                                                           Service Centre on 0800 800 608 or +64 9 300 5331 to see                 13
     if We will accept an extension of Your Policy and on what           You must insure the total value per item. Please ensure You have
     terms. Please also read the Duty of Disclosure as it applies        proof of market value (not more than 12 months old) of any item
     to Policy Extensions.                                               You specify as this will be required should You make a claim.
                                                                         Depreciation is not applied to specified items in the event of a
     The Frequent Traveller Policy cannot be extended in this way.
                                                                         claim providing You have supporting documentation of a market
                                                                         valuation undertaken within the last 12 months. Specified Item
     add-ons to consider                                                 Cover is subject to the terms and conditions as detailed under
                                                                         Section 9A Luggage And Personal Effects in the Policy Wording
     Snow Sports Package                                                 Bicycles may not Be speciFied.
     You are not automatically covered for Snow Sports so if skiing or
     snowboarding were likely to feature on Your holiday then You’d be   New for old
     well advised to purchase the following benefits for an additional   Should Your luggage and personal effects that You take with You
     $50 per Adult. This covers You for skiing or snowboarding within    on Your Trip get lost, stolen or damaged, we will repair or replace
     the boundaries of a commercially licenced ski field.                the property, or pay You its original purchase price in cash for
                                                                         items You have purchased new within the last 2 years as long as
                                              applicaBle limits          You have an original purchase receipt for each item. Otherwise
      section 8                               per adult                  we will apply depreciation.
      Any Claim Arising Due To                Up to the Applicable       Specified item limits also apply.
      Participation In Snow Sports            Limit of the relevant
                                              section as per the         signiFicant risks you need to
                                              Schedule of Benefits
                                                                         think aBout
      Ski Lift Passes - Section 8A            $200

      Ski Run Closure - Section 8B            $500                       This Policy may not meet your expectations
      Daily Limit                             $100                       There may be some reason why this Policy does not match Your
                                                                         expectations. It could be an exclusion that applies or certain
      Hire Replacement Snow Equipment         $500                       terms and conditions. It is therefore very important that You read
      - Section 8C                                                       this document carefully. Please ask Your travel adviser or Us if
                                                                         You are unsure about any aspect of the Policy.
     Increased Rental Vehicle Insurance Excess Cover
     If You are renting a car, campervan, motorcycle or boat You         Are you sure you have the right level of cover?
     may have to pay an insurance excess for an accident or theft.
                                                                         You need to make sure that the limits of cover and benefits are
     We have included cover for Rental Vehicle insurance excess,
                                                                         appropriate for Your needs. If You are under insured You may
     however You may wish to increase this cover.
                                                                         have to bear part of any loss that exceeds the limits Yourself.
                                                                         Please refer to the Applicable Limits as set out in the Schedule of
      maXimum additional               additional premium
                                                                         Benefits and the Policy wording.
      coVer

      $3,000                           $12 per day of vehicle hireage    A claim may be refused
                                                                         We may refuse to pay or reduce the amount We pay under
     Valuables and Specified Items                                       a claim. If You do not comply with the Policy terms and conditions
     There is an item limit of $2,500 for cameras and Personal           or, if You don’t comply with Your Duty of Disclosure or make a
     Computers, and $1,500 for all other items. You can increase         misrepresentation, or if You make a fraudulent claim.
     the cover for Your valuable personal items (except bicycles) by
     paying an additional premium.                                       Unattended luggage and personal effects
                                                                         There is no cover under this Policy for luggage and personal
      maXimum                  maXimum               additional
                                                                         effects that are left Unattended. Please refer to the definition of
      indiVidual               total For             premium
      item limit               all items                                 Unattended in the Policy Wording and Losses We Do Not Cover
                                                                         in Section 9. Also, remember to keep Your receipts separate
      $7,500                   $20,000               2% of item value    from the goods You buy overseas, (perhaps with Your passport
                                                                         or travel documents), or they may get lost or stolen as well.
     example: Here’s how to calculate the additional Amount Payable      You will need these receipts if You have to make a claim.
     to specify a necklace with a current market valuation of $4,000.
14   4,000 x 2% = $80                                                                                                                          15
What’s the cost?

Calculating what You pay
When calculating the cost of Your Policy, We take into account a
range of factors including:
• The length of Your Trip
• Your destination
• The Excess selected
• Any additional amounts determined by QBE Insurance to
  cover an Existing Medical Condition (including pregnancy)
• Cover for any of the additional benefits You choose
The Amount Payable by You for the travel plan selected plus any
additional benefits You choose will be shown on Your Certificate
of Insurance.
This Policy is only valid once You pay the Amount Payable and
Your travel agent issues the Certificate of Insurance to You.

Changing Your travel details
If You wish to change Your personal details or travel dates after
Your Certificate of Insurance has been issued simply contact
Your travel agent. They will either amend the Policy over the
telephone or, in certain circumstances, contact Us for Your
amendment to be assessed and approved. Also refer to the
section in this brochure headed “When Does The Cover Begin
And End?” on page 23, paragraph 4 in the Policy Wording.

signiFicant things you need to knoW

Your Policy
Your Policy is a contract between QBE Insurance (International)
Limited and You. Your agreement with Us is set out in:
• The Policy Wording
• The Schedule of Benefits
• Your application for insurance
• Your Certificate of Insurance
• Any written endorsements We provide to You
These documents make up Your Policy and should be carefully
read together. It is important that they are kept in a safe place,
together with evidence as to the value of any insured items.




                                                                     17
     Confirming Your transactions                                         information you will need to disclose includes:
     A Certificate of Insurance must be issued once You have              • Circumstances which could increase the risk of an
     completed Your application form and You have paid the                  insurance claim
     appropriate Amount Payable. If You want to confirm a                 • Any criminal offences or convictions
     transaction, for example whether the Certificate of Insurance has
     been issued, You may contact Us in writing or by phone.              • Any cancellation, refusal to renew insurance or imposing of
                                                                            special terms by another insurer
     Cancellation                                                         • Travel insurance, medical, home and contents or other
     By you                                                                 property claims You have made in the last 5 years which when
     You may only cancel this Policy free of charge during the 14 day       combined exceeded $5,000 in total
     Money Back Guarantee period - see the Money Back Guarantee           information you do not need to disclose includes:
     section of this brochure. Should You wish to cancel Your Policy
     after the 14 day free cancellation period We will refund You         • Circumstances which would diminish the risk of an
     the premium paid less a deduction for the cover used at our            insurance claim
     standard rates. There will also be an administration fee of          • Anything that is of common knowledge
     $30 per Policy.                                                      • Anything that We know, or would be expected to know,
     By us                                                                  in the ordinary course of Our business
     We can cancel Your insurance in any way permitted by law for         • Anything that We advise You do not need to disclose
     reasons including any of the following. If You have:
     • Failed to comply with Your Duty of Disclosure                      Non-Disclosure
     • Made a misrepresentation to Us before the Policy was               Everyone who is insured under the Policy must comply with
       entered into                                                       the Duty of Disclosure. Should You provide information about
                                                                          another insured, You do so on their behalf. If You (or they) don't
     • Failed to comply with a provision of a Policy, including failure
                                                                          comply with the Duty of Disclosure We may be entitled to cancel
       to pay the Amount Payable
                                                                          the insurance or void the insurance from its beginning.
     • Made a fraudulent claim under the Policy, or under any other
       Policy, during the time the Policy has been in effect              Our Privacy Policy
     • Failed to notify Us of a specific act or omission as required by   We are committed to safeguarding Your Privacy and the
       the Policy                                                         confidentiality of Your personal information. We are bound by the
     If We cancel Your Policy We will do so by giving You written         Privacy Act 1993 and its principles when We collect and handle
     notice. We will deduct from the Amount Payable an amount to          Your personal information.
     cover the shortened period for which You have been insured by        We will only collect personal information from or about You for
     Us and refund to You what is left.                                   the purpose of assessing Your application for insurance and
                                                                          administering Your insurance Policy, including any claims made
     Duty of Disclosure - what You must tell us                           by You.
     When You apply for insurance You have a legal Duty of
                                                                          For further information about Our Privacy Policy or to access or
     Disclosure. This means You must disclose all information You
                                                                          correct Your personal information please contact:
     know,or could reasonably be expected to know, that would
     influence the judgment of a prudent underwriter on:                  the privacy officer
                                                                          QBe insurance (international) limited
     (a) whether to accept the risk of insurance and
                                                                          po Box 44, auckland 1140, new Zealand
     (b) if accepted, on what terms and at what cost                      email: privacyofficer@qbe.co.nz

     You have the same Duty of Disclosure each time You renew,
     vary or reinstate Your insurance.
                                                                          How to make a claim
                                                                          Claim forms are available from Your Travel Agent or from Us.
                                                                          To help speed up the processing of Your claim be sure to follow
                                                                          the instructions on the claim form carefully. It will advise You of
                                                                          what documentation You need to provide to support Your claim.
                                                                          The completed form should be sent to:
                                                                          QBe travel insurance
                                                                          po Box 105065, auckland 1143, new Zealand
18                                                                                                                                              19
     Settling Your claims                                                electronic equipment means any equipment that operates
                                                                         using batteries or electricity including, but not limited to, iPods,
     Our claims service standard is to settle Your claims within
                                                                         MP3 players, satellite navigation units and electronic games
     10 working days upon the receipt of a completed claim form
     and all necessary supporting information. Alternatively, a letter   excess means the amount that will be subtracted from the
     acknowledging the receipt of Your claim and requesting              amount paid to You if You should make a claim under various
     further specific additional information will be sent within         sections of the Policy. The Excess amount is determined by
     10 working days.                                                    the premium that You have opted to pay and is shown on Your
                                                                         Certificate of Insurance. You may also have an Excess imposed
     understanding the Wording,                                          in respect of an Existing Medical Condition
     terms and conditions                                                existing medical condition means:

     This Leisure International Travel Insurance Policy is proudly       (a) any chronic or ongoing (whether chronic or otherwise)
     issued by QBE Insurance (International) Limited. Under this             medical or dental condition, illness or disease of which You
     Insurance Policy We provide cover against a number of types of          were aware or should reasonably have been aware of and
     losses that You can suffer in relation to Your Trip. The Schedule       which is medically documented or under investigation prior to
     of Benefits precedes this Policy wording. Please note the               the issue of the Policy; or
     geographical restrictions that apply. By using colour-coded
                                                                         (b) any physical or medical condition, defect, illness or disease
     headings Our Policy wording is easy to follow:
                                                                             for which treatment, medication, preventative medication,
     green - “losses We coVer”                                               advice, preventative advice or investigation has been received
                                                                             or prescribed by a medical or dental adviser in the 90 days
     red - “losses We do not coVer”                                          prior to the issue of the Policy and in the case of the Frequent
     If You have any questions regarding Our Policy, please                  Traveller Policy also within 30 days prior to booking a
     telephone our Customer Service Centre Toll Free 0800 800 608,           particular Trip
     or +64 9 300 5331.                                                  Injury means a bodily injury that is caused solely and directly by
                                                                         external and visible means as a result of an accident and which
     deFinitions                                                         does not result from an illness or disease

     We, our, us, refers to QBE Insurance (International) Limited        insolvency means bankruptcy, provisional liquidation, liquidation,
                                                                         insolvency, appointment of a receiver or administrator, entry into
     adult means the person/s named on the Certificate of Insurance      a scheme of arrangement, statutory protection, stopping the
     under the heading ‘Travellers Details’ and paying an individual     payment of debts or the happening of anything of a similar nature
     policy premium. Where a claim includes accompanying                 under the laws of any jurisdiction
     Dependent children the benefit specified in the Schedule of
     benefits or Policy Wording is shared                                permanently disabled means you have totally lost either, all of
                                                                         the sight in one or both eyes, or the use of a hand or foot at or
     amount payable means the total amount payable for the               above the wrist or ankle and the loss is for at least 12 months
     insurance. It includes amounts payable to the agent and the         and, in our opinion after consultation with an appropriate medical
     premium payable to Us                                               specialist, will continue indefinitely
     applicable limit means the sum insured specified in the             personal computer means laptops, personal digital assistants
     Schedule of Benefits or Policy Wording for the travel plan          including a blackberry and other hand-held wireless devices
     selected on the Certificate of Insurance                            and notebooks
     carrier means the scheduled airline, vessel, train, or motor        professional sporting activity means an activity for which
     coach transport in which You are to travel to or from Your          You receive financial reward, or benefits from participating in
     intended destination                                                that sporting activity, regardless of whether or not You are a
                                                                         professional sports person
     cruise means travel on a vessel undertaking scheduled deep
     water cruises of 4 or more consecutive days                         public place means a place to which the public has access for
                                                                         example, but not limited to: a hotel foyer or grounds, restaurant,
     dependent means any person aged less than 21 years old
                                                                         shop, toilet, swimming pool, airport or railway station
     when the Trip commences who is Dependent on You or any
     other person for financial support and is travelling with You


20                                                                                                                                              21
     relative is limited to a Relative of Yours, or of a member of the     When Does Your Cover Begin And End
     Travelling Party, who is resident in Australia or New Zealand.
                                                                           1. This Insurance is only valid when You pay the Amount Payable
     It means a spouse, de facto partner, parent, parent-in-law,
                                                                              and We issue a Certificate of Insurance to You
     daughter, son, daughter-in-law, son-in-law, brother, sister,
     brother-in-law, sister-in-law, grandchild, grandparent,               2. The Insurance under all sections except Section 3A
     step-parent, step-children, fiancé or fiancée, or guardian               (Cancellation Costs) covers You for the period of the Trip.
                                                                              Section 3A covers You from the time You pay the Amount
     rental Vehicle means any car, campervan, motorcycle or boat
                                                                              Payable until the period of the Trip ends
     You rent from a licenced rental vehicle company and have a
     signed contract with that company                                     3. If Your return to New Zealand is delayed by an event that
                                                                              entitles You to make a claim under this Policy, the Insurance
     resident means someone who currently resides in New Zealand
                                                                              is automatically extended beyond the period of the Trip. The
     and is either a citizen or is eligible for permanent residency
                                                                              extension lasts until You are capable of travelling to Your final
     senior traveller means the person named in the Certificate of            destination, including the journey there, or for a period of three
     Insurance who is 60 years of age or over on the date the Trip            (3) months, whichever happens first
     commences and their Dependent children or grandchildren and
                                                                           4. This Insurance is only valid for the period of the Trip. That
     one other accompanying non-related Dependent child. Where
                                                                              period cannot be changed without Our consent. If You wish
     there is more than one person wishing to claim under the same
                                                                              to defer or alter the period of travel due to Injury or illness, We
     section of the Policy, the benefit limits are shared
                                                                              may require You to submit a Policy Amendment Form and Our
     snow sports means any form of skiing, snow boarding and ski              decision whether or not to agree to insure You will depend
     biking. If You select the Snow Sports option cover applies for           upon Our assessment of that form. If We do not agree, a
     any skiing or snowboarding provided it is undertaken within the          refund of the Amount Payable will be made to You
     boundaries of a commercially licenced ski field
                                                                           Losses We Do Not Cover At All
     travelling party means You and any travelling companion who
     has made arrangements to accompany You for at least 50% of            1. We will not pay the applicable Excess for any one event. If
     the Trip                                                                 applicable, this Excess is in addition to any Excesses imposed
                                                                              due to an Existing Medical Condition
     trip means the period of travel stated in the Certificate of
     Insurance. The period begins on the date of departure as stated       2. In all sections of this Policy, We will pay only up to the
     in the Certificate of Insurance and ends when You return to Your         Applicable Limit of the plan selected unless a sub-limit is
     normal place of residence, or when the period of the Trip set out        specified in the relevant section
     in the Certificate of Insurance ends, whichever happens first.        3. There are general exclusions, which apply to all types of
     The period of travel cannot be altered without Our consent.              cover. particular exclusions apply to specific sections of
     For the Frequent Traveller Policy the period of the Trip is however      cover under this Policy and are listed following the relevant
     limited to journeys of less than 42 consecutive days absence             types of cover. Please read them carefully
     from New Zealand on any one Trip
     unattended means leaving Your luggage either, with a person
     You have not previously met or, in a Public Place where it can be
     taken without Your knowledge or at a distance from which You
     cannot prevent it from being taken
     you, your, yours, yourself means the person or people
     named as Adults in the Certificate of Insurance as well as their
     accompanying Dependent children and one other non-related
     accompanying Dependent child. If 2 or more Adults are named
     as insureds in the Certificate of Insurance the benefits, terms,
     Applicable Limits and conditions will be the same as if a separate
     Certificate of Insurance had been issued for each Adult




22                                                                                                                                                  23
     General Exclusions                                                       general conditions
     We will not pay for any of the following losses:
     1. A loss that is recoverable under some other scheme.
                                                                              Applicable to all sections
        For example, a private health insurance scheme, workers               1. You must:
        compensation scheme, travel compensation fund or accident                (a) give Us written notice as soon as possible of an event
        compensation scheme                                                          that may result in a claim under this Policy
     2. Consequential loss of any nature, or loss of enjoyment                   (b) give Us Your Certificate of Insurance and any other
     3. A loss caused by, arising directly or indirectly from or in any              documents, medical certificates, original receipts or
        way connected with a criminal or dishonest act by You or by                  information that We reasonably ask for
        a person with whom You are in collusion                                  (c) not make any promise or offer of payment, or admit fault
     4. A loss caused by, arising directly or indirectly from or in                  to anyone, or become involved in any litigation, in respect
        any way connected with war, invasion, act of a foreign enemy,                of an event that may result in a claim under this Policy,
        hostilities (whether war is declared or not), civil war, rebellion,          without Our consent
        revolution, insurrection, military or usurped power, or                  (d) in the event of a claim caused by a physical, mental or
        popular uprising                                                             medical condition, obtain evidence from the treating
     5. A loss caused by, arising directly or indirectly from or in any              doctor immediately that You are aware of signs or
        way connected with the use, existence or escape of nuclear                   symptoms of the condition
        weapons material, or ionising radiation from, or contamination        2. We may, at Our expense, take proceedings in Your name
        by, radioactivity from any nuclear fuel, or nuclear waste from           to recover compensation or enforce an indemnity against
        the combustion of nuclear fuel                                           someone else in respect of a loss covered by this Insurance
     6. A loss caused by, arising directly or indirectly from or in any          in accordance with the law. Anything We recover belongs
        way connected with any Government intervention, prohibition,             to Us
        warning or regulation                                                 3. Claims will be paid to You or Your personal representative
     7. Any further benefit under the Policy if We decide on the advice          in New Zealand dollars on the basis of the exchange rate that
        of a doctor appointed by Us that You are capable of being                applied at the time of the event that gave rise to the claim.
        repatriated to New Zealand and You refuse to return                      We will not pay more than Your actual loss

     8. An act or threat of terrorism. This exclusion does not apply          4. Once the Policy has been issued if You wish to cancel it
        to Section 1A Medical Expenses Incurred Outside of                       You can do so within 14 days of receiving the Certificate
        New Zealand, Section 2A Emergency Dental Expenses                        of Insurance and obtain a full refund, provided no right or
        Incurred Outside Of New Zealand, Section 3B Additional                   power has been exercised under it by You (e.g. no claim has
        Expenses for the cost of repatriation to New Zealand if the              been made) and Your Trip has not commenced. Should You
        Carrier requires You to be brought back with a medical escort,           wish to cancel Your Policy after the 14 day free cancellation
        Section 6A Death By Injury, Section 6B Repatriation Of                   period We will refund You the premium paid less a deduction
        Remains or Funeral Expenses Overseas or Section 9                        for the cover used at our standard rates and an
        Luggage, however the combined benefit payable as the result              administration fee of $30 per Policy
        of terrorism is limited to a maximum of $1,000,000                    5. Any dispute arising between You and Us under this Policy
                                                                                 shall be determined in accordance with New Zealand law
                                                                              6. You must be a permanent Resident of New Zealand at the
                                                                                 time the Policy is issued




24                                                                                                                                                 25
     section 1: medical eXpenses                                            2. We will pay up to $2,000 to You, for dental costs incurred
                                                                               outside of New Zealand during the Trip, which the treating
     Section 1A: Medical expenses incurred outside                             dentist certifies in writing is for the relief of sudden and
     of New Zealand - losses we cover                                          acute pain.
     We will pay the usual and customary cost of medical, hospital,
     road ambulance or other treatment You actually and necessarily         Section 2B: Continuing dental expenses incurred
     received outside New Zealand during the Trip if You suffer an Injury   within New Zealand due to injury overseas
     or an illness, the signs or symptoms of which You first become         - losses we cover
     aware of during the Trip. However, the treatment must be given or      We will pay up to $2,000 for continuing dental expenses
     prescribed by a registered medical practitioner or paramedic.          incurred within twelve (12) months of the end of the Trip as a
                                                                            result of an Injury to healthy natural teeth which first occurred
     Travel expenses for Your return home or evacuation are only
                                                                            during the Trip outside of New Zealand.
     covered if the attending physician advises Us in writing that You
     are unfit to continue the Trip, and You must also have Our consent,
     or the consent of Our medical assistance provider OMEGA.               section 3: cancellation and
     We will not pay the cost of private medical treatment overseas
                                                                            additional eXpenses
     where free or reduced cost medical treatment is available to You
     under any reciprocal health agreement.                                 Section 3A: Cancellation costs - losses we cover
                                                                            If You have to cancel any pre-paid transport or accommodation
     Section 1B: Total and Permanent Disability                             arrangements due to any unforeseen or unforeseeable
     - losses we cover                                                      circumstances outside of Your control We will pay You the value
     We will pay an amount up to the Applicable Limit as set out in         of the unused arrangements, less any refunds due to You. We will
     the Schedule of Benefits if You are aged 18 years or over but no       also pay the agent's cancellation fees up to $1,500 per Adult,
     older than 79 years and during Your Trip You suffer an Injury and      when full monies have been paid. If only a deposit has been paid
     as a result of that Injury You become Permanently Disabled within      at the time of the cancellation We will pay the agent's cancellation
     12 months of sustaining the Injury. The amount payable for each        fees up to the maximum of the deposit. In any event We will not
     Adult named on the Certificate of Insurance will be limited to the     pay more than the level of commission or service fees normally
     Applicable Limit as set out in the Schedule of Benefits. There is      earned by the agent, had the Trip not been cancelled.
     no cover for accompanying Dependent child or children.
                                                                            Section 3B: Additional expenses - losses we cover
     Section 1C: Cash in hospital - losses we cover                         We will cover You for additional expenses that result directly from
     We will pay You $75, for each completed 24 hour period that            one of the following events occurring after the Trip commences:
     You are confined to hospital outside New Zealand (up to the            1. You being unable to continue the Trip because of the death,
     Applicable Limit as set out in the Schedule of Benefits) as a result      sudden serious illness or serious Injury arising during the Trip of:
     of Injury or illness occurring during Your Trip and resulting in a
     total period of confinement exceeding 48 hours for any one event.      • You or a member of Your Travelling Party
                                                                            • A Relative or business partner or person in the same
     Section 1D: Medical expenses incurred within                             employ as You, who resides in New Zealand or Australia,
     New Zealand - losses we cover                                            provided that the illness or Injury requires hospitalisation or
     We will pay up to $3,000 for continuing medical expenses                 confinement and the illness or Injury is not related or
     incurred within twelve (12) months of the end of the Trip as a           traceable to an Existing Medical Condition; and in the case
     result of an illness or Injury which first occurred during the Trip      of a business partner or person in the same employ, the
     outside of New Zealand.                                                  person's absence made the ending of the Trip necessary,
                                                                              and You have written confirmation of that fact from a senior
                                                                              partner or director
     section 2: dental eXpenses
                                                                            2. The need, as a result of You being hospitalised as an
     Section 2A: Emergency dental expenses incurred                            in-patient as a result of suffering an Injury or illness, the
     outside of New Zealand - losses we cover                                  symptoms of which You first became aware of during the Trip,
                                                                               for a Relative or friend to travel to, remain with, or escort You
     1. We will pay the cost of emergency dental treatment received
                                                                               in place of a medical attendant. However, You must have
        outside of New Zealand during the Trip if You suffer an Injury
                                                                               written advice from the attending physician, and You must
        to healthy natural teeth during the Trip. This does not cover
                                                                               also have Our consent, or the consent of Our medical
        damage to dentures or dental prostheses (See Section 9A,
                                                                               assistance provider, OMEGA
26      clause 2).                                                                                                                                    27
     3. Cancellation or restriction of scheduled public transport        section 4: eXtra traVel coVer
        services caused by severe weather, natural disaster, riot,
        strike, or civil commotion. The event must have begun after
        We issued the Certificate of Insurance and You must have         Section 4A: Travel delay - losses we cover
        done everything reasonable to avoid the expenses. You must       We will pay You up to the sub-limit for the cost of reasonable
        also get the Carrier's written confirmation of Your claim        additional meals and accommodation if Your scheduled transport
                                                                         from New Zealand or overseas, in respect of Your planned Trip,
     4. You being involved in a motor vehicle, railway, air, or          is delayed for at least 6 hours, for a reason outside Your control
        marine accident. You must have written confirmation of the       and for each subsequent 12 hours (or part of that time) of delay.
        accident from an official body in the country where the          You must give Us Your original receipts, and written confirmation
        accident happened                                                of the delay from the Carrier.
     5. Loss (excluding Government confiscation) of Your passport,
        travel documents or credit cards                                 Section 4B: Airfare compensation
                                                                         - losses we cover
     6. A member of Your Travelling Party who is a full-time student     We will pay You an amount up to the Applicable Limit as set out
        being required to sit supplementary examinations                 in the Schedule of Benefits towards the cost of Your original air
     The following rules apply to this section.                          ticket (less any refund that is due to You) if, because of an Injury
                                                                         that first happens during Your Trip, We bring You back to New
     We will pay You if You have to interrupt Your Trip after it has     Zealand under Our emergency assistance programme, OMEGA.
     begun the cost for reasonable and necessary additional travel,      However, We will only do so if We bring You back when either:
     accommodation, repatriation and living expenses that You
     undertake with Our consent.                                         • There are more than 5 days of the Trip, or 25% of the insured
                                                                           part of the Trip - whichever is the greater - left to go or
     We will not pay
                                                                         • You have been confined to hospital overseas for more than
     • For the cost of resuming the Trip after You have returned to        25% of the Insured part of the Trip
       New Zealand (See Section 4C)
     • More than the cost of repatriation to New Zealand                 Section 4C: Resumption of trip - losses we cover
     • For additional accommodation expenses when a claim is             If You have to return to New Zealand because of the death of a
       made for cancelled accommodation expenses covering the            Relative in New Zealand, We will pay You an amount up to the
       same period of time                                               Applicable Limit as set out in the Schedule of Benefits towards
                                                                         the transport costs paid to resume Your original Trip so You
     Unless approved in advance by Our assistance network,               can use any travel, accommodation or tours that were paid for,
     OMEGA, no amount is payable in respect of accommodation             before the departure date on the Travel Insurance Certificate.
     expenses for periods where You do not have pre-paid
     accommodation arrangements.                                         We will only pay if:

     Additional travel must be at the fare class that You originally     • You held a return ticket to New Zealand at the time of the
     chose, except where We agree otherwise on the basis of a              death of a Relative
     written recommendation by Your attending physician.                 • The death is not as a result of an Existing Medical Condition
                                                                           suffered by Your Relative
     If You do not have a return ticket at the time of the event that
     causes You to return to New Zealand, We will deduct the cost of     • Your journey is recommenced and completed within the dates
     an economy class airfare at the Carrier's regular published rates     of validity of Your original Travel Insurance Certificate or airline
     for the return journey.                                               ticket, whichever occurs first


     Section 3C: Tour cancellation - losses we cover                     Section 4D: Missed connection - special events
                                                                         - losses we cover
     We will pay You the cost of unused pre-paid airline tickets
     purchased to reach the departure point of the tour if the tour      If Your Trip is interrupted by any unforeseen circumstances
     operator or wholesaler cancels the tour because there are not       outside of Your control and You are unable to arrive at Your
     enough people to begin or complete the tour.                        destination by the time originally scheduled for the purpose of
                                                                         attending a wedding, funeral, conference, or sporting event
                                                                         which cannot be delayed as a consequence of Your late arrival,
                                                                         We will pay You for the reasonable additional cost, up to the
                                                                         Applicable Limit as set out in the Schedule of Benefits, of using
                                                                         alternative public transport to arrive at the destination on time.
28                                                                                                                                                29
     Section 4E: Internet use and telephone calls                              (a) You will reimburse Us all monies paid by Us for the loss;
     - losses we cover                                                             and/or
     We will pay up to the Applicable Limit as set out in the Schedule         (b) You will provide Us with all things We require in order for a
     of Benefits for Your necessary internet use or telephone calls                prosecution to be made against the fraudulent party
     from overseas to New Zealand where they arise directly out of a
     claimable event covered by any section of this Policy. Your first      We will not pay for any claim arising directly or indirectly from:
     point of contact for assistance however is OMEGA. You must             1. For any kidnapping occurring in any country located in
     provide Us with the receipts for the expenses incurred.                   Central or South America;

     Section 4F: Legal costs - losses we cover                              2. For any kidnapping occurring in any country where:
     We will pay the actual legal costs You incur up to the Applicable         (a) United Nations troops are deployed;
     Limit as set out in the Schedule of Benefits as a result of
     false arrest or wrongful detention by any Government or                   (b) troops foreign to that country are deployed for
     foreign power.                                                                peacekeeping or to maintain order;
                                                                               (c) war, declared or not, invasion or civil war, rebellion or
     Section 4G: Hijacking - losses we cover                                       insurrection is occurring; or
     If You want to cancel Your Trip and return to Your normal place of
                                                                            3. If You have had this type of insurance declined in the past; or
     residence in New Zealand after the scheduled transport service
     on which You are travelling is hijacked during Your Trip, We will      4. If You have had this type of insurance cancelled or issued
     pay You Your pre-paid travel arrangements that You do not use,            with special conditions in the past; or
     less any refunds due to You.
                                                                            5. If You have had a kidnapping or attempted kidnapping in
                                                                               the past
     Section 4H: Kidnapping - losses we cover
     We will pay You an amount up to the Applicable Limit as set out
     in the Schedule of Benefits for:
                                                                            Section 4I: Golf green fees - losses we cover
                                                                            We will pay You up to the Applicable Limit as set out in the
     • An economy class airfare and necessary accommodation,                Schedule of Benefits for non-refundable prepaid green fees, golf
       for a Relative to travel directly to the location of Your last       equipment hire or tuition fees that cannot be used due to Your
       appearance if You have been kidnapped during Your Trip               Injury or illness sustained during Your Trip.
     • Any ransom monies or any costs associated with the ransom
     • Your pre-paid travel arrangements and accommodation that             Section 4J: Hiring replacement golf and sport
       You do not use, less any refunds due to You                          equipment - losses we cover
                                                                            If Your golf or sport equipment (other than Snow Sports) is
     However:                                                               lost, delayed or damaged during the Trip, We Will pay You the
     1. You must take all precautions to protect the confidentiality of     necessary costs of hiring replacement equipment up to $200 per
        this cover;                                                         Adult. Original receipts must support any claim made.

     2. We will not act as an intermediary or negotiator for You nor will
                                                                            section 5: rental Vehicle eXpenses
        We offer advice to You on dealing with any kidnapper;
     3. You must determine positively that there has been a kidnapping;     Section 5A: Rental vehicle insurance excess
     4. You must record the serial numbers of any currency paid to          - losses we cover
        secure Your release;                                                We will pay the Rental Vehicle insurance excess up to the
                                                                            Applicable Limit as set out in the Schedule of Benefits, or the
     5. You will make every reasonable effort to notify the local           cost of repairing the vehicle, whichever is the lesser, which You
        law enforcement agency of the demand for ransom prior               become legally liable to pay as the result of the vehicle You have
        to the payment of the ransom monies and to comply with their        rented being damaged or stolen whilst in Your control during the
        recommendations and instructions;                                   Trip. The vehicle must be rented from a licenced rental agency
     6. If We establish that You have committed a fraudulent                and You must provide a copy of the repair account and/or quote.
        kidnapping:



30                                                                                                                                                 31
     Section 5B: Return of rental vehicle                                    additional kennel or cattery boarding fees for domestic cats and
     - losses we cover                                                       dogs owned by You if You are delayed beyond Your original
     We will pay You up to the Applicable Limit as set out in the            return date due to an event covered by this Policy. However,
     Schedule of Benefits toward the cost of returning Your Rental           You must give Us a statement confirming the additional fees.
     Vehicle to the nearest depot if due to a claimable event covered
     by any section of this Policy You are unable to do so during            section 8: snoW sports package
     Your Trip.
                                                                             this section only applies if you have purchased the
                                                                             additional snow sports option.
     section 6: death eXpenses
                                                                             Cover under all applicable sections of the travel plan selected
     Section 6A: Death by Injury - losses we cover                           will apply whilst You are participating in a Snow Sports activity
                                                                             provided You purchase the Snow Sports Package. You must
     We will pay Your Estate up to the Applicable Limit as set out in
                                                                             read this section together with the General Exclusions, as these
     the Schedule of Benefits, if You are aged 18 years or over, but
                                                                             may affect Your cover.
     no older than 79 years and during Your Trip You suffer an Injury
     which results in Your death within 12 months of the Injury
     being sustained.                                                        Section 8A: Ski lift passes - losses we cover
                                                                             We will pay You a maximum of $200 per Adult for non-
     Section 6B: Repatriation of remains or funeral                          refundable pre-paid ski lift passes, ski equipment hire or tuition
     expenses overseas - losses we cover                                     fees that cannot be used due to Your Injury or illness sustained
     We will pay up to the Applicable Limit as set out in the Schedule       during Your Trip.
     of Benefits for Your burial or cremation overseas, or the
     transporting of Your remains to New Zealand, if You die during          Section 8B: Ski run closure - losses we cover
     the Trip.                                                               We will pay You if You are prevented from skiing at a pre-booked
                                                                             ski resort for more than 24 continuous hours during Your Trip,
     section 7: BeneFits Back home                                           because insufficient snow or too much snow causes a total
                                                                             closure of the lift system. We will pay a daily benefit of $100 per
                                                                             Adult up to a maximum of $500 per Adult.
     Section 7A: Loss of income - losses we cover
     We will pay You up to the Applicable Limit as set out in the            However:
     Schedule of Benefits for Your monthly net of income tax wage if         (a) We will not pay for claims in respect of ski resorts that
     due to an Injury You suffer during the Trip, You are unable within          do not have skiing facilities at least 1,000 metres above
     30 days after that Injury to attend Your usual full-time occupation         sea level
     or business within New Zealand.
                                                                             (b) We will not pay for claims that arise due to insufficient
     We will only pay You if Your inability lasts for more than 30 days          snow in Northern Hemisphere ski resorts outside the period
     after the date of Your intended return to New Zealand, and You              15 December to 31 March, or, in Southern Hemisphere ski
     had a full-time position or business to return to.                          resorts outside the period 1 July to 30 September
     We will pay You Your net monthly salary for up to 6 months,
     calculated from Your intended date of return to New Zealand,            Section 8C: Hiring replacement snow ski, golf
     up to the monthly limit in the Schedule of Benefits.                    and sport equipment - losses we cover
                                                                             If Your snow skiing, golf or sport equipment is lost, delayed or
     Section 7B: Home services - losses we cover                             damaged during the Trip We will pay You the necessary cost
     We will pay You for necessary home services provided by a               of hiring replacement equipment up to $200 per Adult.
     registered home services business, up to the Applicable Limit as        Original receipts must support any claim made.
     set out in the Schedule of Benefits if You have been repatriated
     to New Zealand by Us during Your Trip and Your Injury or illness
     restricts Your ability to perform these duties. Cover will only apply
     for services that have been authorised by Us.

     Section 7C: Domestic pets - losses we cover
     We will pay You up to $15 for each full 24 hour period, up to
     the Applicable Limit as set out in the Schedule of Benefits for
32                                                                                                                                                 33
     losses We do not coVer under                                          7. Pregnancy or Child Birth. This does not apply to the
     sections 1, 2, 3, 4, 5, 6, 7 and 8                                       emergency pregnancy related illness of the mother up to
                                                                              20 weeks gestation, provided a Preliminary Medical
     We will not pay a claim that arises directly or indirectly because       Appraisal Form has been submitted to Us and approval has
     of any of the following:                                                 been given by Us in writing. There is no cover for any
                                                                              expenses associated with or consequent upon the birth of a
     1. A member of the Travelling Party:                                     child, nor is there any cover for any newly born child
     • Deliberately injures himself or herself                             8. The cost of private medical treatment overseas where free or
     • Is under the influence of, or is addicted to, intoxicating liquor      reduced cost medical treatment is available to You under any
       or a drug, except a drug taken in accordance with the advice           reciprocal health agreement
       of a registered medical practitioner
                                                                           9. You suffer, contract, or need treatment for any sexually
     • Takes part in a riot or civil commotion                                transmitted disease
     • Participates in base jumping, running with the bulls or hunting
                                                                           10. You suffer from anxiety or depression, mental or nervous
     • Acts maliciously                                                        disorder, or insanity
     • Races (except on foot); mountaineers - or rock climbs -
       using support ropes; scuba dives without a PADI, NAUI or            11. Medical or dental treatment of an elective nature
       equivalent qualification                                            12. You fail to take reasonable precautions to avoid a financial
     • Takes part in a Professional Sporting Activity or competitive           loss after a public warning of a strike, riot, civil commotion,
       contact sports                                                          or natural disaster
     • Rides a motor cycle (except as a pillion passenger) without a       13. The failure of any travel agent, tour operator, accommodation
       licence that is valid in the relevant country                           provider, airline or other Carrier, car rental agency or any
     • Participates in a Snow Sports activity (This exclusion does             other travel or tourism services provider to provide services
       not apply if you have purchased the additional Snow Sports              or accommodation due to their Insolvency or the Insolvency
       option where You are covered for skiing or snowboarding                 of any person, company or organisation they deal with
       within the boundaries of a commercially licenced ski field)
                                                                           14. A tour operator or wholesaler is unable to complete
     • Undertakes a Cruise of 4 or more consecutive days                       arrangements for a tour because there is not the required
       in duration                                                             number of people to begin or complete a tour or a particular
     2. You travel even though You know You are unfit to travel. You           Trip. However, this does not apply in relation to pre-paid
        travel against medical advice. You travel when You know You            travel arrangements bought separately to reach the
        will have to consult a medical practitioner or You travel to           departure point for the tour or the particular Trip
        obtain medical treatment                                           15. Delays, rescheduling or cancellation of flights caused by the
     3. You arrange to travel when You know of circumstances that              Carrier. This exclusion does not apply to Sections 4A & 4D
        could lead to the Trip being disrupted or cancelled                16. Financial, business, professional or contractual obligations
     4. Death, illness or Injury, caused or exacerbated by, traceable      17. A member of the Travelling Party decides to change or not to
        to, or related to, an Existing Medical Condition. This does not        continue with the Trip
        apply to members of the Travelling Party who have submitted
        a completed Preliminary Medical Appraisal Form / Medical           18. Prohibition by a Government
        Certificate and acceptance of the Existing Medical Condition       19. Passports, tickets, vouchers or any other document upon
        has been given by Us in writing. However, if Your state of             which the Trip depends whilst sent by post or courier
        health changes after the Policy has been issued and prior to
        the Trip commencing You must inform Us and We may                  20. Failure to check in at the time stated on the ticket and/or
        impose special terms and conditions including, but not                 itinerary, or failure to obtain or hold a valid visa or passport
        limited to, limiting the cover available to cancellation charges
                                                                           21. You travel in a sailing ship or privately registered vessel in
     5. A terminal illness suffered by a member of the Travelling              international waters
        Party - or of a Relative or business partner or person in the
                                                                           22. Manual work in connection with a business or trade
        same employ as You - if a terminal prognosis was made
        before the Travel Insurance Certificate was issued                 23. You operate a Rental Vehicle in violation of the
                                                                               rental agreement
     6. Replacing medication in use at the time the Trip began; or
        maintaining a course of treatment You were on at that time
34                                                                                                                                                35
     section 9: luggage                                                     Section 9B: Emergency luggage
                                                                            - losses we cover
     Section 9A: Luggage and personal effects                               We will pay up to the Applicable Limit as set out in the Schedule
     - losses we cover                                                      of Benefits towards the cost of purchasing essential articles such
                                                                            as clothing, toiletries and personal requisites if Your accompanied
     We will pay You up to the Applicable Limit as set out in the
                                                                            luggage is delayed, misdirected or temporarily misplaced by the
     Schedule of Benefits for each of the following:
                                                                            Carrier for a period in excess of 12 hours during Your Trip. If Your
     1. Accidental loss, theft of, or damage to, Your luggage or            luggage is not recovered the amount paid by Us for its loss will
        personal effects including things You buy during the Trip,          be reduced by the total of any amounts paid for. You must give
        whilst they are accompanying You during Your Trip.                  Us the relevant receipts and written confirmation of Your claim
                                                                            from the appropriate authority. This benefit does not apply on the
     We are entitled to choose between repairing, or replacing the
                                                                            leg of Your Trip that brings You to Your place of residence in
     property, or paying You its value in cash, after allowing for wear,
                                                                            New Zealand.
     tear, and depreciation. There is a limit of $1,500 for any one item,
     except cameras and Personal Computers which have a limit of
     $2,500, unless the item is specified and an additional premium
                                                                            Section 9C: Cash - losses we cover
     paid. There is a limit of $7,500 for any one specified item and        We will pay You up to the Applicable Limit as set out in the
     $20,000 in total for all specified items. A pair or related set of     Schedule of Benefits for the loss of money that was either
     items - for example, a camera, lenses (attached or not), tripod        carried on Your person at the time of loss or secured in a locked
     and accessories or a chain and pendant - are only one item for         safe, provided that You reported the loss to the police within
     this purpose. Bicycles may not be specified.                           12 hours of becoming aware of the loss and obtained a written
                                                                            police report.
     If You have an original purchase receipt for items You have
     purchased within the last 2 years, We will repair, or replace          Section 9D: Replacement passports and travel
     the property, or pay You its original purchase price in cash.          documents - losses we cover
     This benefit is subject to the applicable individual item limits       We will pay You up to $2,000:
     outlined above.
                                                                            1. For the cost of reissuing or replacing Your travel documents,
     However, We will only accept liability if You:                            travellers cheques, passport or credit cards after they have
     (a) within 24 hours of becoming aware of the loss notify the              been accidentally lost or have been stolen during Your Trip
         police, or the responsible officer of the Carrier You are          2. For the financial loss You suffer because of fraudulent use of
         travelling in, or in the hotel in which You are staying and give      Your travel documents, travellers cheques, passport or
         Us their written report of the incident when You make                 credit cards after they have been accidentally lost or have
         the claim                                                             been stolen. You must comply with any conditions of the
     (b) keep receipts for goods You buy separate from the                     issuing body
         goods themselves
     (c) keep any relevant ticket and luggage checks and give them
         to Us
     (d) provide evidence of the value and Your ownership of
         the goods
     (e) if a Carrier loses or damages Your accompanying luggage,
         report it in writing to the Carrier within three days and send
         to Us written confirmation of the report along with details
         of any settlement that they make in relation to the loss
         or damage
     2. Loss of, or damage to, dentures or dental prostheses during
        Your Trip, up to $1,500
     3. In the event that a claimable loss, theft, or damage to Your
        luggage and personal effects is incurred, We will allow
        You one automatic reinstatement of the sum Insured

36                                                                                                                                                 37
     losses We do not coVer under                                            section 10: personal liaBility
     section 9                                                               - losses We coVer
     We will not pay for any of the following:                               We will pay You, up to the Applicable Limit as set out in the
                                                                             Schedule of Benefits, for Your legal liability to pay damages
     1. Loss, theft of, or damage to:
                                                                             or compensation because Your negligence during the Trip
        (a) bank or currency notes, cheques or                               causes Injury to a person who is not a member of Your family
            negotiable instruments                                           or Travelling Party; or loss or damage to property that is not
                                                                             owned by You or a member of Your family or Travelling Party, or
        (b) watercraft of any type (including surfboards)                    is not in Your or their custody or control. Provided Our consent
        (c) sporting equipment whilst in use                                 is obtained We will also pay Your legal costs in relation to that
                                                                             liability. The Applicable Limit is a combined total for Your liability
        (d) bikes except whilst                                              and Your costs.
     • Being transported by an airline, without the requirement of a         We will not pay for a liability:
       limited release
                                                                             1. Arising out of Your trade, business or profession
     • Locked within a building where You have locked secured
       exclusive accommodation                                               2. For an Injury to an employee arising out of, or in the course of,
                                                                                their employment by You
        (e) fragile or brittle items (e.g. glass or china), except loss or
            damage caused by fire, or by accident to the transport           3. Arising out of an unlawful, willful or malicious act by You
            carrying them
                                                                             4. Arising out of Your ownership, possession or use (including as
        (f) unaccompanied luggage or personal effects                           a passenger) of a mechanically propelled vehicle, or any
                                                                                aircraft or watercraft
        (g) property that You leave Unattended in a place to which
            the public has access; or that occurs because You do             5. Arising out of You passing on an illness or disease to
            not take reasonable care to protect it. For example,                another person
            goods left in a hotel foyer or grounds, or items left
            Unattended at a beach or a swimming pool                         Insurance Companies (Ratings & Inspections)
        (h) luggage or personal effects, but only to the extent that
                                                                             Act 1994
            You are entitled to compensation from the Carrier                This Policy is underwritten by QBE Insurance (International)
                                                                             Limited (New Zealand Branch) which has an A+ Insurer Financial
        (i) luggage or personal effects left in an unlocked                  Strength Rating given by Standard & Poors (Australia) Pty Ltd on
            motor vehicle                                                    5th December 2008. The rating scale is:
        (j) a video camera, mobile telephone, portable
            audio devices, photographic equipment, Personal                   aaa                      Extremely Strong
            Computer, Electronic Equipment, jewellery or watches              aa                       Very Strong
            left in plain view by You in a motor vehicle
                                                                              a                        Strong
        (k) luggage or personal effects left by You overnight in a
                                                                              BBB                      Good
            motor vehicle for any length of time
                                                                              BB                       Marginal
        (l) a video camera, mobile telephone, portable audio
            devices, photographic equipment, Personal Computer,               B                        Weak
            Electronic Equipment, jewellery or watches checked in as          ccc                      Very Weak
            luggage or left in a tent
                                                                              cc                       Extremely Weak
     2. Loss, wear and tear or depreciation of property damaged by            r                        Regulatory Action
        the action of insects or vermin, mildew, rust or corrosion
     3. Mechanical or electrical breakdown, or malfunction                   The ratings from ‘AA’ to ‘B’ may be modified by the addition of
        repair costs                                                         a plus or minus sign to show relative standing within the major
                                                                             rating categories.



38                                                                                                                                                    39
	                     Endorsement	to	QBE	Travel	Insurance	policies		effective 11 October 2010
	                     You	must	read	these	endorsements	together	with	the	appropriate	Policy	Wording.

1. The following section has been added to Leisure International, Cruise International and Executive International
   Travel Insurance policies only that are purchased after 11 October 2010.

    SECTION	3D:	FINANCIAL	DEFAULT	-	LOSSES	WE	COVER
    We	will	pay	You up to $10,000 for the cost of rearranging Your Trip if it is cancelled due to the failure of any tour operator, accommodation provider, car
    rental agency, scheduled airline or other Carrier to provide services or accommodation due to their Insolvency.

    LOSSES	WE	DO	NOT	COVER	UNDER	SECTIONS	1,2,3,4,5,6,7	and	8
    Point 13 is deleted and replaced with the following - 13. The Insolvency of Your travel agent or wholesaler.

2. The following changes are applicable to the Leisure International and Cruise International Travel Insurance policies
   only where an Excess of $250, $500 or $1,000 has been selected and appears on the Certificate of Insurance.

    EXISTING	WORDING                                                                 NEW	WORDING
    EXCESSES	–	PAGE	7
    An Excess is the amount that is subtracted from the total paid to You            An Excess is the amount that is subtracted from the total paid to You
    should You make a claim under various sections of the Policy. However            should You make a claim under various sections of the Policy.
    with Our Leisure/Cruise International Travel Insurance You can choose to
    have either nil Excess or a $100 Excess.                                         When purchasing Your travel insurance You decide the level of Excess
                                                                                     applicable to Your Policy – note that the lower Your Excess the more You
    When purchasing Your travel insurance You decide the level of Excess             pay for Your Policy.
    applicable to Your Policy – note that the lower Your Excess the more You
    pay for Your Policy.

3. The following changes are applicable to the Leisure International Travel Insurance policy only where the Cruise Side
   Trip option has been purchased and appears on the Certificate of Insurance.

    EXISTING	WORDING                                                                 NEW	WORDING

    INTERNATIONAL	SCHEDULE	OF	BENEFITS	–	PAGE	5
    Airfare Compensation – Section 4B       $5,000                                   Airfare and Cruise Compensation – Section 4B $10,000

    ELIGIBILITY	–	PAGE	6
    You are not covered under this Policy if You are undertaking a Cruise of 4 or    You are not covered under this Policy if You are undertaking a Cruise of 4 or
    more consecutive days. If You are undertaking a Cruise please refer to Our       more consecutive days unless You have selected the additional Cruise Side
    ‘Cruise International Travel Insurance Policy’.                                  Trip option and paid the additional premium.
    CRUISES	–	PAGE	9
    If you are undertaking a Cruise of 4 or more days You will not be covered        If you are undertaking a Cruise of 4 or more days You will not be covered
    under this Policy. Refer to Our ‘Cruise International Travel Insurance Policy’   under this Policy unless You have purchased the additional Cruise Side Trip
    for Cruise cover.                                                                option and paid the additional premium.
    ALL	OTHER	SENIOR	TRAVELLERS	–	PAGE	10
    PLEASE	NOTE: If You are heading off on a Cruise of 4 or more consecutive         PLEASE	NOTE: If You are heading off on a Cruise of 4 or more consecutive
    days You must purchase Our Cruise International Travel Insurance Policy as       days You must purchase the additional Cruise Side Trip option or Our
    separate terms apply.                                                            Cruise International Travel Insurance Policy as separate terms apply.
    SECTION	4B:	AIRFARE	COMPENSATION	–	LOSSES	WE	COVER	–	PAGE	29
    We	will	pay You an amount up to the Applicable Limit as set out in the           We	will	pay You up to $5,000 towards the cost of Your original air ticket
    Schedule of Benefits towards the cost of Your original air ticket (less any      (less any refund that is due to You), or if You have selected the Cruise Side
    refund that is due to You) if, because of an Injury that first happens during    Trip option up to $5,000 towards the cost of Your original Cruise ticket (less
    Your Trip, We bring You back to New Zealand under Our emergency                  any refund that is due to You), if because of an Injury that first
    assistance programme, OMEGA.                                                     happens during Your Trip, We bring You back to New Zealand under Our
    However, We will only do so if We bring You back when either:                    emergency assistance programme, OMEGA.
    • There are more than 5 days of the Trip, or 25% of the insured part of the      However, We will only do so if We bring You back when either:
      Trip - whichever is the greater - left to go or                                • There are more than 5 days of the Trip, or 25% of the insured part of the
    • You have been confined to hospital overseas for more than 25% of the             Trip - whichever is the greater - left to go or
      Insured part of the Trip                                                       • You have been confined to hospital overseas for more than 25% of the
                                                                                       Insured part of the Trip
    LOSSES	WE	DO	NOT	COVER	UNDER	SECTIONS	1,	2,	3,	4,	5,	6,	7	AND	8	–	page	34
    • Undertakes a Cruise of 4 or more consecutive days in duration                  • Undertakes a Cruise of 4 or more consecutive days in duration (this
                                                                                       exclusion does not apply if You have purchased the additional Cruise Side
                                                                                       Trip option)
   QBe agent to complete

    Recommended Policy:


    Duration:


    Premium: $



   Level 6, 29 Customs St West
   PO Box 105 065, Auckland 1143
   New Zealand
   Telephone: +64 9 300 5331 or 0800 800 608
   Facsimile: +64 9 307 0035 or 0800 800 408
   Email: travelnz@qbe.co.nz
   www.qbe.co.nz
   Effective Date: 1 August 2009




your QBe agent
                                               J017949

				
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