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CHOOSING A PLAN TO SUIT YOUR ITINERARY

If you're travelling to more than one country you should choose the highest plan that includes one of your destinations.  Plan A is the highest plan with Plan D as the lowest plan.  For example, if you are travelling to Australia (Plan D), the UK (Plan B) and the USA (Plan A), you should choose Plan A.

If you are stopping over in a higher-plan country on your way to a lower-plan country you should choose the lower plan.  The definition of a stop-over is less than 72 consecutive hours in that country.  (Your plan benefits will apply to all claims, including those that occur in the higher-plan country.)  For example, if you are travelling to the UK (Plan B) with a stop-over in the USA (Plan A) you should choose Plan B.  However, if you intend to stop over for more than 72 hours, you should choose the higher plan.

This policy will not cover any loss, damages or legal liability arising directly or indirectly from: Travel in, to, or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, or Syria.

For destinations not shown please contact our call centre on 0800 600 260.

Following is a list of countries covered under each Plan Area
 

Country

Plan

Country

Plan
Afghanistan* EXCLUDED Lebanon* B
Albania* B Liberia EXCLUDED
Algeria* A Libya A
American Samoa D Liechtenstein B
Andorra B Lithuania B
Angola A Lombok D
Antarctica A Luxembourg B
Antarctica Sightseeing Flight D Macau C
Antigua & Barbuda A Macedonia B
Argentina A Madagascar A
Armenia B Madeira B
Australia D Malawi A
Austria B Malaysia* C
Azerbaijan* B Mali A
Azores B Malta B
Bahamas A Marshall Islands D
Bahrain B Martinique A
Bali D Mauritius A
Bangladesh C Mauritania A
Barbados A Mexico A
Belarus B Micronesia D
Belgium B Moldova B
Belize A Monaco B
Benin A Mongolia C
Bhutan C Montenegro B
Bolivia A Morocco A
Bosnia-Herzegovina B Mozambique A
Botswana A Namibia A
Brazil A Nauru D
Brunei C Nepal C
Bulgaria B Netherlands B
Burkina Faso A New Caledonia D
Burma C New Zealand D
Burundi* A Nicaragua A
Cambodia C Niger A
Cameroon A Nigeria* A
Canada A Norfolk Island D
Canary Islands B Northern Ireland B
Cape Verde A Northern Marianas D
Cayman Islands A Norway B
Central African Republic A Oman B
Chad* A Pakistan* C
Chile A Palau D
China C Panama A
Colombia* A Papua New Guinea D
Comoros A Paraguay A
Congo (Democratic Republic of - formally Zaire)* EXCLUDED Peru A
Congo (Republic of) A Philippines* C
Cook Islands D Poland B
Costa Rica A Portugal B
Croatia B Puerto Rico A
Cuba EXCLUDED Qatar B
Cyprus B Reunion A
Czech Republic B Romania B
Denmark B Russia* B
Djibouti A Rwanda A
Dominica A San Marino B
Dominican Republic A Sao Tome And Principe A
Dubai (UAE) B Saudi Arabia B
East Timor D Scotland B
Ecuador* A Senegal A
Egypt A Serbia B
El Salvador A Seychelles A
England B Sharjah (UAE) B
Equatorial Guinea A Sierra Leone A
Eritrea* A Singapore C
Estonia B Slovakia B
Ethiopia* A Slovenia B
Faeroe Islands B Solomon Islands D
Falkland Islands A Somalia* A
Fiji D South Africa A
Finland B South Korea C
France B Spain B
French Guiana A Sri Lanka* C
French Polynesia D St Kitts-Nevis A
Gabon A St Lucia A
Gambia A St Vincent A
Georgia* B Sudan EXCLUDED
Germany B Suriname A
Ghana A Swaziland A
Greece B Sweden B
Greenland A Switzerland B
Grenada A Syria EXCLUDED
Guadeloupe A Tahiti D
Guam /TD D Taiwan C
Guatemala A Tajikistan B
Guinea* A Tanzania A
Guinea Bissau A Thailand C
Guyana A Timor D
Haiti* A Togo A
Hawaii A Tonga D
Honduras A Trinidad and Tobago A
Hong Kong C Tunisia A
Hungary B Turkmenistan B
Iceland B Turkey B
India* C Tuvalu D
Indonesia* C Uganda* A
Iran* EXCLUDED UK B
Iraq* EXCLUDED Ukraine B
Ireland B United Arab Emirates B
Israel* B Uruguay A
Italy B USA A
Ivory Coast* A Uzbekistan* B
Jamaica A Vanuatu D
Japan B Venezuela A
Jordan B Vietnam C
Kazakhstan B Wales B
Kenya A Western Sahara A
Kiribati D Western Samoa D
Kuwait B Yemen* B
Kyrgyzstan B Zambia A
Laos C Zimbabwe A
Latvia B

* Refer MFAT travel links for travel advisories as locations within these countries may not be covered by our policies.
 

Last updated December 2006