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Travel Insurance - Benefit Comparison Table
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Comprehensive travel insurance for you and any
additional travellers accompanying
you.
Please refer to the
Destination exclusions for
a list of countries which are not covered.
| Individual cover |
| |
International |
Budget |
Australia |
Domestic |
NZ Cancellation |
Multi-trip |
Non-resident |
| Maximum duration |
1 year |
180 days |
28 days |
90 days |
180 days |
1 year |
1 year
|
| Cover for destinations |
Worldwide excluding NZ |
Worldwide excluding NZ |
Australia only |
NZ only |
NZ only |
Worldwide excluding NZ |
NZ only |
| Maximum age |
None |
70 |
76 |
None |
None |
70 |
76 |
| Available to non-NZ residents |
No |
No |
No |
No |
No |
No |
Yes |
 |
Loss of deposits
|
$100,000 |
$5,000 |
$5,000 |
$5,000 |
$600 up to $3,000 |
$100,000 |
$100,000 |
| - Curtailment of travel |
$100,000 |
$5,000 |
$5,000 |
$5,000 |
No |
$100,000 |
$100,000 |
| - Tour cancellation |
$500 |
No |
No |
No |
No |
$500 |
No |
| - Travel delay |
$5,000 |
$500 |
$250 |
No |
No |
$5,000 |
$5,000 |
| - Missed connection |
$5,000 |
No |
No |
No |
No |
$5,000 |
No |
| - Hijack |
$5,000 |
No |
No |
No |
No |
$5,000 |
No |
| - Legal costs |
$10,000 |
No |
No |
No |
No |
$10,000 |
No |
| - Continuation of travel |
$10,000 |
No |
No |
No |
No |
$10,000 |
No |
| - Alternative staff |
No |
No |
No |
No |
No |
$10,000 |
No |
|
Medical expenses
|
Unlimited |
$1,000,000 |
$1,000,000 |
No |
No |
Unlimited |
$250,000 |
| - Emergency dental |
$750 |
$500 |
$500 |
No |
No |
$750 |
$750 |
| - Burial costs |
$20,000 |
$10,000 |
$10,000 |
No |
No |
$20,000 |
$20,000 |
| - Hospital benefit |
$2,000 |
No |
No |
No |
No |
$2,000 |
$2,000 |
| - Hire car return |
$250 |
No |
No |
No |
No |
$250 |
$250 |
|
Personal bodily injury
|
$25,000 |
No |
$10,000 |
$10,000 |
No |
$100,000 |
$25,000 |
| - In-flight accident |
$50,000 |
No |
No |
No |
No |
No |
No |
| - Personal bodily injury resulting from a terrorist act |
$20,000 |
No |
No |
No |
No |
$20,000 |
$15,000 |
| - Loss of income |
$3,000 |
No |
No |
No |
No |
$6,000 |
No |
|
Personal effects
|
$20,000 |
$5,000 |
$3,000 |
$2,500 |
No |
$20,000 |
$20,000 |
| - Limit any one item |
$1,000 |
$500 |
$500 |
$500 |
No |
$1,000 |
$1,000 |
| - Money |
$300 |
No |
No |
No |
No |
$500 |
No |
| - Mislaid luggage |
$500 |
No |
$200 |
No |
No |
$500 |
$250 |
| - Credit card fraud |
$2,000 |
$500 |
No |
No |
No |
$2,000 |
$500 |
|
Personal liability
|
$2,000,000 |
$100,000 |
$1,000,000 |
$10,000 |
No |
$2,000,000 |
$500,000 |
|
Rental vehicle excess
|
$1,000 |
No |
$1,000 |
$1,000 |
No |
$2,000 |
$1,000 |
|
Optional extra cover
|
| - Pre-existing medical conditions |
On Application |
Not Available |
On Application |
Not Available |
Not Available |
On Application |
Not Available |
| - Specified items |
On Application |
Not Available |
Not Available |
Not Available |
Not Available |
On Application |
Not Available |
| - Rental vehicle excess |
On Application |
Not Available |
On Application |
On Application |
Not Available |
Not Available |
On Application |
| - Excess buyout (for travel of less than 180 days) |
On Application |
Not Available |
Not Available |
Not Available |
Not Available |
Not Available |
Not Available |
Affordable travel insurance for you, your partner and any
dependant children or grandchildren under the age of 21
travelling with you.
The maximum benefit amounts payable for each person covered under the Family
Plan Policy are as listed under the Individual Table. The Family Plan Table
shows the maximum amounts payable for all covered persons.
| Family cover |
| |
International |
Budget |
Australia |
Domestic |
NZ Cancellation |
Multi-trip |
Non-resident |
| Maximum duration |
1 year |
180 days |
28 days |
90 days |
180 days |
1 year |
1 year |
| Cover for destinations |
Worldwide excluding NZ |
Worldwide excluding NZ |
Australia only |
NZ only |
NZ only |
Worldwide excluding NZ |
NZ only |
| Maximum age |
None |
70 |
76 |
None |
None |
70 |
76 |
| Available to non-NZ residents |
No |
No |
No |
No |
No |
No |
Yes |
|
Loss of deposits
|
$200,000 |
$10,000 |
$10,000 |
$10,000 |
$600 up to $3,000 |
$200,000 |
$200,000 |
| - Curtailment of travel |
$200,000 |
$10,000 |
$10,000 |
$10,000 |
No |
$200,000 |
$200,000 |
| - Tour cancellation |
$1,000 |
No |
No |
No |
No |
$1,000 |
No |
| - Travel delay |
$10,000 |
$1,000 |
$500 |
No |
No |
$10,000 |
$10,000 |
| - Missed connection |
$10,000 |
No |
No |
No |
No |
$10,000 |
No |
| - Hijack |
$10,000 |
No |
No |
No |
No |
$10,000 |
No |
| - Legal costs |
$20,000 |
No |
No |
No |
No |
$20,000 |
No |
| - Continuation of travel |
$20,000 |
No |
No |
No |
No |
$20,000 |
No |
| - Alternative staff |
No |
No |
No |
No |
No |
$20,000 |
No |
|
Medical expenses
|
Unlimited |
$2,000,000 |
$2,000,000 |
No |
No |
Unlimited |
$500,000 |
| - Emergency dental |
$1,500 |
$1,000 |
$1,000 |
No |
No |
$1,500 |
$1,500 |
| - Burial costs |
$40,000 |
$20,000 |
$20,000 |
No |
No |
$40,000 |
$40,000 |
| - Hospital benefit |
$4,000 |
No |
No |
No |
No |
$4,000 |
$4,000 |
| - Hire car return |
$250 |
No |
No |
No |
No |
$500 |
$500 |
|
Personal Bodily Injury
|
$50,000 |
No |
$20,000 |
$20,000 |
No |
$200,000 |
$50,000 |
| - In-flight accident |
$100,000 |
No |
No |
No |
No |
No |
No |
| - Personal bodily injury resulting from a terrorist act |
$40,000 |
No |
No |
No |
No |
$40,000 |
$30,000 |
| - Loss of income |
$6,000 |
No |
No |
No |
No |
$12,000 |
No |
|
Personal effects
|
$40,000 |
$10,000 |
$6,000 |
$5,000 |
No |
$40,000 |
$40,000 |
| - Limit any one item |
$1,000 |
$500 |
$500 |
$500 |
No |
$1,000 |
$1,000 |
| - Money |
$600 |
No |
No |
No |
No |
$1,000 |
No |
| - Mislaid luggage |
$1,000 |
No |
$400 |
No |
No |
$1,000 |
$500 |
| - Credit card fraud |
$4,000 |
$1,000 |
No |
No |
No |
$4,000 |
$1,000 |
|
Personal liability
|
$4,000,000 |
$200,000 |
$2,000,000 |
$20,000 |
No |
$4,000,000 |
$1,000,000 |
|
Rental vehicle excess
|
$1,000 |
No |
$1,000 |
$1,000 |
No |
$2,000 |
$1,000 |
|
Optional extra cover
|
| - Pre-existing medical conditions |
On Application |
Not Available |
On Application |
Not Available |
Not Available |
On Application |
Not Available |
| - Specified items |
On Application |
Not Available |
Not Available |
Not Available |
Not Available |
On Application |
Not Available |
| - Rental vehicle excess |
On Application |
Not Available |
On Application |
On Application |
Not Available |
Not Available |
On Application |
| - Excess buyout (for travel of less than 180 days) |
On Application |
Not Available |
Not Available |
Not Available |
Not Available |
Not Available |
Not Available |
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