Essentials Travel Insurance
For international travel only
Schedule of Benefits
The table below sets out a summary only of the cover that is provided under each plan and the most we will pay in total for all claims under each section.
IMPORTANT - PLEASE NOTE: A MAXIMUM TOTAL LIMIT APPLIES FOR ALL CLAIMS BY ALL INSURED PERSONS UNDER CERTAIN SECTIONS AND OTHER LIMITS, SUB-LIMITS,
CONDITIONS AND EXCLUSIONS APPLY. WHERE USED, ‘UNLIMITED’ ONLY MEANS THAT THERE IS NO CAPPED DOLLAR SUM INSURED AND ALL
COSTS AND EXPENSES MUST BE REASONABLE. TERMS, CONDITIONS, LIMITS AND EXCLUSIONS APPLY AS SET OUT IN YOUR POLICY WORDING,
PARTICULARLY IN SECTIONS 1a, 1c, 1d, 1e, 1f, 1g, 1j, 2a, 2c, 2d, 2e, and 2f. UNDER SECTION 2 (MEDICAL BENEFITS), WE WILL ONLY PAY FOR
COSTS INCURRED WITHIN 12 MONTHS OF THE ILLNESS OR INJURY. YOU DO NOT HAVE COVER UNDER CERTAIN SECTIONS OF THIS POLICY WHILE
TRAVELLING IN NEW ZEALAND.
| Policy Option |
Maximum Benefits |
| SECTION 1: CANCELLATION / TRAVEL DISRUPTION BENEFITS |
| 1a.* Loss of Deposits |
$5,000 |
| 1b. Cancellation of Journey Paid in Full |
$5,000 |
| 1c. Curtailment |
$5,000 |
| 1d. Missed connection |
$500 |
| 1e. Travel delay |
$500 |
| 1f. Frequent flyer points |
Nil |
| 1g. Resumption of travel |
Nil |
| 1h. Strikes and Hijacks |
Nil |
| 1i. Evacuation – Civil Unrest Pacific Islands |
Nil |
| 1j. Additional expenses as a result of an Act of Terrorism |
Nil |
| SECTION 2: MEDICAL BENEFITS |
| 2a.* Overseas medical expenses |
$250,000 |
| 2b. Terrorism – overseas medical expenses |
Nil |
| 2c. Emergency dental expenses |
|
| Emergency Dental Treatment – pain relief only |
Nil |
| Emergency Dental Treatment – as a result of an injury |
$500 |
| 2d.* Incidental hospital expenses |
Nil |
| 2e. Accompanying person costs |
Nil |
| 2f. Search and rescue – natural disaster |
Nil |
| SECTION 3: LIFE BENEFITS |
| 3a. Funeral expenses |
$10,000 |
| 3b. Accidental death or permanent disablement |
Nil |
| 3c. Accidental death or permanent disablement as a result of terrorism |
Nil |
| SECTION 4: BAGGAGE, PERSONAL EFFECTS AND MONEY BENEFITS |
| 4a. Personal Baggage – Total limit (including any items insured in Section 4c) |
$5,000 |
| Personal Baggage Item Limit |
$750 |
| Personal Baggage - Special Limit (electronic equipment, video and camera equipment) |
Nil |
| 4b.* Emergency baggage limit |
$250 |
| 4c. Specified high value items |
|
| Maximum Value Per item |
Nil |
| Maximum Total Value |
Nil |
| 4d. Travel Documents |
$500 |
| 4e. Personal Money |
Nil |
| 4f. Additional expenses as a result of an Act of Terrorism |
Nil |
| SECTION 5: PERSONAL LIABILITY BENEFITS |
| 5a. Rental vehicle excess |
$1,000 |
| 5b. Personal liability |
$500,000 |
| 5c. Defence costs – including wrongful arrest |
Nil |
*Sub-limits apply - please read this Policy Wording in full for details.
Note all limits and premiums are in New Zealand dollars.