| |
 |
 |
| |
"The service we get from Rothbury is friendly, efficient and they always have our best interests in mind."
Ann Vittle,
Owner, Vittle Panel Beaters |
|
Travel Insurance Summary of Cover
The following information is a brief summary of the policy conditions. We strongly recommend you read the policy wording to obtain full details of the extent of the cover and the conditions and exclusions that apply.
Summary of cover:
Travel Plans
Medical Expenses
Luggage Loss and Damage
Evacuation/Return Home
Accidental Death or Permanent disablement
Search and Rescue
Cancellation
Additional Travel and Accommodation
Rental Vehicle Excess
Personal Liability
Excess
Age Surcharges
Pre-existing Medical Conditions
Specified Items
24 Hour Emergency Assistance
Premium Tables / Apply Now >
This policy is only available for travellers leaving from New Zealand and must be arranged prior to departure.
Travel Plans
There are three Travel Plans available each covering specific countries. You much state the option you require when you complete this application.
Travel Plan A is for travel to USA, Canada, Central & South America, Japan, Europe, Russia, Africa or the Middle East.
Travel Plan B is for travel to UK, Ireland, China, Hong Kong, Taiwan, Singapore, and the rest of the world, excluding Plan A countries above.
Travel Plan C is for travel to: Australia, the South Pacific Islands excluding Bali
Summary of Cover and Maximum Benefits
Overseas Medical Expenses |
|
Worldwide 24-hour emergency assistance |
Unlimited cover |
Hospital, ambulance, surgical and medical
treatment costs |
Unlimited cover |
Emergency dental expenses |
Up to $1,200 |
On-going medical costs that occur within
12 months of disablement |
Unlimited cover |
Overseas funeral expenses |
Up to $15,000 |
Hospital inconvenience allowance |
$100 a day for every 24 hours you are in hospital, up to a maximum of $3,000 |
 |
Luggage Loss and Damage |
|
Accidental loss or damage to baggage and personal effects taken with you or bought on your trip |
Up to $20,000 in total. Limit of $1,500 for any one item unless specified in policy |
Emergency purchases if your luggage is delayed |
Up to $750 for a 12 hour delay, and $1,500 for a 72 hour delay |
Replacement of personal documents that are
stolen or used by an unauthorized person |
Up to $3,000 for non-recoverable expenses |
Theft of money |
Up to $750 per person or $1,500 per family |
Accidental loss or damage to baggage and personal effects taken with you or bought on your trip |
Up to $20,000 in total. Limit of $1,500 for any one item unless specified in policy |
Emergency purchases if your luggage is delayed |
Up to $750 for a 12 hour delay, and $1,500 for a 72 hour delay |
Evacuation/Return Home |
|
If you have to be evacuated or return home due to disablement |
Unlimited cover |
Accidental Death or Permanent Disablement |
|
Cover for death; permanent loss of all sight, all hearing, or all speech; permanent loss of use of limbs; permanent and incurable paralysis or disablement of limbs |
$50,000 if you are 16 or older, $10,000 if you are under 16 |
Search and Rescue |
|
Necessary as a result of a natural disaster |
Up to $10,000 |
Cancellation of Your Travel |
|
As a result of accidental circumstances
outside your control |
Unlimited travel costs paid in advance and not refundable |
Additional Travel and Accommodation |
|
As a result of: |
|
having to return home because of the death or disablement of a relative or travelling companion |
Unlimited |
loss of passport |
Unlimited |
carrier cancellations or delays |
Unlimited |
travel delays due to unforeseen circumstances |
$250 |
missed connections when travelling
to a special event |
$2,000 |
Rental Vehicle Excess |
|
As a result of a hired vehicle being stolen
or damaged in an accident
A $300 policy excess applies to this section of the policy. Please refer to the policy document for full details. |
Up to $2,500 |
Personal Liability |
|
Compensation you are legally liable to pay for
causing accidental death, injury or loss of property |
Up to $2.5 million |
Excess
A $75 policy excess applies applies to sections of the policy, please refer to the policy document for full details.
For $15 you can buy out the excess, meaning you will have $0 excess on any claims. This does not apply to the Rental Vehicle Excess section of the policy.
Age Surcharges
Age needn't be a barrier to travel. If you're 70 years of age or over, add the correct 'age surcharge' to your premium:
Age |
Surcharges |
70-75 |
+75% |
76-80 |
+100% |
81 or over |
+200% |
Pre-existing Medical Conditions
You're not automatically covered for pre-existing medical conditions, however cover can be arranged in certain circumstances. For the purposes of our travel policy, controlled hypertension or controlled asthma are not considered pre-existing conditions. If you require cover for a pre-existing medical condition, call our Medical Advisor on 0800 844 477 toll free so your needs can be assessed. Before you call, you'll need the following information:
- Description of the medical condition
- Details of medication or treatment prescribed
- Date of last visit to your doctor
- Your doctors name and address
If our Medical Advisor accepts cover on your pre-existing medical condition:
- We'll advise you of your approval number
- An additional premium of $35 will be charged
Specified Items
If you need cover for personal items over $1,500 all you need to do is specify the item and pay an additional premium of 1.5% of their total value. Please note though, that the following items are automatically covered for their full value, if valued under $2,500 each:
- Bicycles
- Cameras and video cameras
- Portable electrical/electronic equipment (with attached and unattached accessories).
The maximum amount for specified items is $5,000 for any one item or $15,000 total for all items. Written valuations may be required in the event of a claim.
24 Hour Emergency Assistance
One collect phone call from overseas connects you to our 24-hour SOS Alarm Centre based here in New Zealand. Phone +64 9 359 1646
Our co-coordinators provide around-the-clock assistance including:
- putting you in touch with local doctors, dentists and clinics
- arranging for a doctor to visit you
- having you admitted to hospital
- arranging emergency evacuation and repatriation
- helping replace lost travel documents
- rescheduling disrupted travel plans
- organising emergency cash
- arranging contact with Embassy, Consulate or other legal representation.
You can also call the SOS Alarm Centre's 0800 number for pre-travel advice on:
- visa and customs requirements
- vaccination and medication needs
- international airports and airport transfers
- weather information and public holiday observance.
Our Alarm Centre is available to you 24 hours a day, 7 days a week.
Phone 0800 101 121
|
Download the full Travel Insurance policy 