AIG Leisure Travel Insurance - Policy Wording
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AIG Leisure Travel Insurance Policy Wording
Date prepared: 1 December 2013. 12/00476.1 Thank you for selecting this leisure travel insurance provided by AIG Insurance New Zealand Limited (“AIG”). AIG has been meeting the needs of New Zealand consumers and businesses since 1970. AIG is a world leader in providing travel insurance, emergency travel services and travel medical advice for millions of customers worldwide. In New Zealand we have utilised this worldwide travel experience to offer local solutions to New Zealand consumers for more than 20 years, including underwriting some of New Zealand’s largest leisure travel insurance programmes. In selecting an AIG travel insurance product you travel in the knowledge that your insurer is an experienced travel insurance specialist that understands the travel insurance needs of New Zealanders. Before you travel please read your Policy through carefully because, as with all insurance policies, there are some circumstances that are not covered and you need to ensure that the Policy satisfies your insurance requirements. If you require further explanation or wish to confirm that your travel will be covered by this Policy you can speak to one of our friendly customer services representatives by contacting the AIG Travel Call Centre on 0800 787 366 between the hours of 9am and 5pm week days (excluding public holidays), or by emailing us at traveladminnz@aig.com. © AIG. All rights reserved.
Contents
Page
A) Important matters about your policy 2
A.1 The Insurer 2
A.2. Contact Numbers 2
A.3. Schedule Of Benefits 3
A.4. Product And Plan Selection 5
A.5. Policy Types 7
A.6. Maximum Amount Payable 7
A.7. Excess Payable 8
A.8. Travel Guard™ 8
A.9. Your Duty Of Disclosure 9
A.10. Our Privacy Statement 9
A.11. The Policy 10
A.12. General Exclusions 10
A.13. Policy Activation 11
A.14. Policy Extensions 11
A.15. Contract 11
A.16. Choice 11
A.17. Other Cover 12
A.18. Cooling Off Period 12
A.19. Fraudulent Claims 12
A.20. Compliance 12
A.21. New Zealand Resident Traveller 12
A.22. The Fair Insurance Code 12
A.23. Mature Age Traveller 12
A.24. Adventure Activities 13
A.25. Existing Health Disorders 13
A.26. Ministry Of Foreign Affairs Travel Advisory 15
B) Definitions (meaning of words) 16
C) Losses not insured under any section of this policy 18
D) Cancellation fees and lost deposits 21
E) Overseas medical, hospital, cash in hospital,
dental and related expenses 24
F) Luggage and Personal Money 26
G) Emergency expenses 28
H) Accidental death 30
I) Accidental disability 31
J) Your liability for causing loss or damage
to property, injury or death 31
K) Rental vehicle collision damage and
theft excess cover 32
L) Loss of income 33
M) Financial default 33
N) Claims 34
1
A) Important matters about your policy
This document contains Your travel insurance Policy
terms and conditions. It is important that You read
and understand it and retain it in a safe place. For this
Policy to be effective You must have a current and valid
Certificate of Insurance.
A.1. The Insurer
This policy is issued/insured by AIG Insurance New Zealand
Limited.
AIG
PO Box 1745, Shortland Street
Auckland 1140, New Zealand
A.2. Contact Numbers
Travel Guard™ (available 24 hours worldwide for emergency
travel related calls)
Overseas +64 9 359 1645
New Zealand (09) 359 1645
AIG Travel Call Centre (9am to 5pm week days, excluding public
holidays) - 0800 787 366
Email us at traveladminnz@aig.com
Claims (8.30am to 5pm week days, excluding public holidays)
+64 9 355 3100 (Please ask to speak to a AIG Travel Claims
Examiner)
Email us at claimsnz@aig.com
Travel Guard™ Medical Assessment Unit (8.30am to 5pm
weekdays, excluding public holidays) - 0800 367 244
If You require assistance or need to call about a Policy that We
have issued to You please quote the Policy Number as shown on
Your Certificate of Insurance. Please also have close to hand any
information that will assist the call operator in answering Your
question or request for assistance.
2A.3. Schedule of Benefits
Your Policy wording provides information about the benefits,
exclusions and the circumstances and times under which the
benefits are provided.
SCHEDULE OF INTERNATIONAL BENEFITS
Platinum, Gold, Silver and Bronze Plans only*
Maximum sum insured per Trip
SINGLE FAMILY
ANNUAL
COVER FOR COVER FOR
MULTI-TRIP
ONE-TRIP ONE-TRIP
BENEFITS PLANS
PLANS PLANS
Cancellation Fees
& Lost Deposits Unlimited Unlimited Unlimited
Travel Agent Fees $4,000 $8,000 $4,000
Overseas Medical
and Hospital Unlimited Unlimited Unlimited
Overseas Dental $2,000 $4,000 $2,000
Emergency Expenses Unlimited Unlimited Unlimited
Cash in Hospital $6,000 $12,000 $6,000
Luggage $25,000 $50,000 $25,000
Personal Money $500 $1,000 $500
Resumption of Journey $3,000 $6,000 $3,000
Travel Delay $1,000 $2,000 $1,000
Hijack and Kidnap $10,000 $20,000 $10,000
Special Events, Missed
Connections $2,000 $4,000 $2,000
Home Help $1,500 $3,000 $1,500
Accidental Death $25,000** $50,000** $25,000**
Accidental Disability $10,000 $10,000 $10,000
Your Legal Liability $2,500,000 $2,500,000 $2,500,000
Rental Vehicle Excess $4,000 $4,000 $4,000
Loss of Income $5,200 $10,400 $5,200
Financial Default $10,000 $20,000 $10,000
* See separate Schedule of Benefits for Australia Plan benefits
** Cover is limited to up to $1000 each for the accidental death of Your
dependent children and grandchildren under 21 years of age travelling
with You.
SCHEDULE OF DOMESTIC CANCELLATION
AND EMERGENCY EXPENSES PLAN BENEFITS
Maximum sum insured per
insured person per Trip
BENEFITS HIGH PLAN (PH12) LOW PLAN (PL12)
Cancellation Fees, Lost Deposits
and Emergency Expenses $2,000 $1,000
3AUSTRALIA PLAN SCHEDULE OF BENEFITS
Maximum sum insured per
insured person per Trip
BENEFITS SINGLE COVER FAMILY COVER
Cancellation Fees
& Lost Deposits $5,000 $10,000
Overseas Medical
and Hospital $1,000,000 $2,000,000
Emergency Expenses
(no cover under G2 & G7) $5,000 $10,000
Luggage $3,000 $6,000
Travel Delay $300 $600
Hijack and Kidnap $10,000 $20,000
Accidental Death $10,000* $20,000*
Your Legal Liability $500,000 $1,000,000
Rental Vehicle Excess $2,000 $2,000
* Cover is limited to up to $1000 each for the accidental death of Your
dependent children and grandchildren under 21 years of age travelling
with You.
SCHEDULE OF DOMESTIC BENEFITS
Maximum sum insured per Trip
ANNUAL
SINGLE FAMILY
MULTI-TRIP
COVER COVER
BENEFITS PLANS
Cancellation Fees
& Lost Deposits $10,000 $20,000 Unlimited
Emergency Expenses
(no cover under G2 & G7) $10,000 $20,000 Unlimited
Luggage $3,000 $6,000 15,000
Travel Delay $300 $600 $1,000
Hijack and Kidnap $10,000 $20,000 $10,000
Special Events, Missed
Connections $2,000 $4,000 $2,000
Accidental Death $10,000* $20,000* $25,000*
Accidental Disability $10,000 $10,000 $10,000
Your Legal Liability $500,000 $1,000,000 $2,500,000
Rental Vehicle Excess $4,000 $4,000 $4,000
Loss of Income $10,000 $20,000 $10,000
Financial Default $10,000 $20,000 Unlimited
* Cover is limited to up to $1000 each for the accidental death of Your
dependent children and grandchildren under 21 years of age travelling
with You.
4A.4. Product and Plan Selection
On Your Certificate of Insurance You will see Your selected
Product and Plan.
The selected Product is the type of cover Your Policy provides.
The possible Products are International One-Trip, Domestic
One-Trip, Domestic Cancellation & Emergency Expenses and
Annual Multi-Trip.
These Products may also be broken down further into Plans.
The selected Plan shows which locations Your Policy provides
cover for. This does not apply under a Domestic Cancellation
and Emergency Expenses Product where the Plan shows the sum
insured. The possible Plans are Platinum, Gold, Silver, Bronze
and Australia. Not all Products have different Plans, and not all
Plans are available with all Products.
Your Product and Plan types combine together to give you
a unique Plan Code. These are further explained below.
1. One-trip Products and Plans
The One-trip Products cover only one Trip up to the maximum
duration as shown on Your Certificate of Insurance.
International One-trip Travel Product Plans
F12, C12, D12, E12 and G12
(Refer to the Schedule of International Benefits for applicable
Policy Sections)
To be eligible for this Product You must be returning to New
Zealand at the expiry date shown on Your Certificate of Insurance.
PLAN PLAN DESTINATION
NAME CODE
Platinum F12 travel to USA, Canada, Central & South
America and Antarctic cruises
Gold C12 travel to Europe, Ireland, Japan, Middle East,
Africa, Mauritius, Scandinavia and Russia
Silver D12 travel to Asia, India, Sub-Continent,
United Kingdom, Indonesia and China
Bronze E12 travel to the Pacific, Norfolk Island,
Australia and Bali
Australia G12 travel directly to, from and within
Australia only
Please Note
- If You select the Australia Plan then cover is restricted to Policy Sections A,
B, C, D, E, F (not clause F8), G (not clauses G2, G6 and G7), H, J, K and
N. Your Schedule of Benefits will also have lower limits than other One-
trip Plans, and You will not be able to apply to have Your Existing Health
Disorders covered if they are not already automatically accepted (See
Section A25 Existing Health Disorders). If you wish to apply for Existing
Health Disorder cover, or if You require additional benefits or higher
limits than are available under the Australia Plan, then You should select
the Bronze Plan (which also covers travel to Australia) instead.
- We are not able to provide any cover for loss, injury, damage 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 under any of our Plans.
5- If You are travelling to a destination covered by a higher Plan then this
Policy is only valid if the total time in all higher Plan destinations is less
than 96 hours, otherwise We may not meet Your claim that relates to or
arises in a higher Plan destination. This does not apply to the Australia
Plan where Your planned Trip may only involve travelling directly from
New Zealand to Australia, travelling within Australia, and returning
directly from Australia to New Zealand.
- Listed from highest to lowest the Plans are: Platinum, Gold, Silver,
Bronze, and Australia.
Domestic One-trip Travel Product
Plan Q12
(Refer to the Schedule of Domestic Benefits for applicable
Policy Sections)
You are covered for travel within New Zealand. Your selected
sum insured level for Section D (Cancellation Fees and Lost
Deposits) is shown on Your Certificate of Insurance and amounts
above $10,000 for Single cover and $20,000 for Family cover
are subject to You having paid the extra premium required by Us.
Cover is restricted to Policy Sections A, B, C, D, F (not clause F8),
G (not clauses G2, and G7), H, I, J, K, M and N.
2. Domestic Cancellation and Emergency Expenses
Product Plans PH12 and PL12
(Refer to the Schedule of Domestic Cancellation and Emergency
Expenses Plan Benefits for applicable Policy Sections)
This Product is for travel within New Zealand for Trips of up
to 90 days duration only.
Cover is restricted to Policy Sections A, B, C, D (not clause D5),
G (not clauses G4, G5, G6 and G7) and N.
3. Annual Multi-trip Product
Plans AF12 and AC12
(Refer to the Schedule of International Benefits for applicable
Policy Sections)
This Product covers unlimited Trips in any one period of
insurance as shown on Your Certificate of Insurance, being the
period between the departure date and expiry date shown on
Your Certificate of Insurance.
The length of any one Trip cannot exceed forty-five (45)
consecutive days and must involve travel to an overseas
destination or a domestic destination no less than 200 km
from Your home.
PLAN PLAN DESTINATION
NAME CODE
Platinum AF12 travel worldwide including USA, Canada,
Mexico, Central & South America and
Antarctica, and within New Zealand
Gold AC12 travel worldwide including within New
Zealand, but does not include the following
destinations - USA, Canada, Mexico, Central
& South America, Antarctic cruises
6Please Note
- We are not able to provide any cover for loss, injury, damage 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 under any of Our Plans.
- All sums insured for Annual Multi-trip Plans are per Trip.
- If You are travelling to a destination covered by a higher Plan then this
Policy is only valid if the total time in all higher Plan destinations is less
than 96 hours, otherwise We may not meet Your claim that relates to or
arises in a higher Plan destination. For the purpose of clarity Plan AF12 is
higher than Plan AC12.
- If travelling within New Zealand cover is restricted to Policy Sections A, B,
C, D, F (not clause F8), G. (not clauses G2, and G7), H, I, J, K, M and N.
A.5. Policy Types
On Your Certificate of Insurance You will also be able to see
Your selected Policy Type. The Policy Type shows which people
in Your family are insured. The possible Policy Types are Single
cover or Family cover. Not all Products have different Policy Types
available. This is further explained below.
1. International & Domestic One Trip Products
(Plan Codes C12, D12, E12, F12, G12 & Q12):
Single cover
If You selected Single cover the Policy covers You and Your
financially dependent children or grandchildren, who are all
under 21 years of age, who travel with You.
Family cover
If You selected Family cover the Policy covers the same persons
as Single cover plus Your spouse, de facto partner of either
gender or any adult Travelling Companion named in the
Certificate of Insurance who travel with You.
2. Domestic Cancellation and Emergency Expenses
Products (Plan Codes PH12 and PL12):
These Plans cover the people named on the Certificate of
Insurance as the Insured Persons.
3. Annual Multi-trip Product (AF12 & AC12):
Single cover
If You selected Single cover the Policy covers You and Your
financially dependent children or grandchildren all under 21
years of age who travel with You.
Family cover
If You selected Family cover the Policy covers the same persons as
Single cover plus Your spouse, defacto partner of either gender
named in the Certificate of Insurance who travel with You.
A.6. Maximum Amount Payable
The most We will pay under any Section is the amount shown
in the Schedule of Benefits for the Plan You have selected.
For some Sections there is an amount of money (excess) that will
be deducted from your claim and which is shown under Section
A7 (Excess Payable). When You pay us the additional premium
7for the excess eliminator, which is shown on Your Certificate
of Insurance, then You will not have to pay the excess.
There is a special limit that applies to the accidental death
benefit for all claims made for the death of Your dependent
children or grandchildren. See Section H.
A.7. Excess Payable
For One-trip International Plans $100
For Annual Multi-trip Plans $100
For One-trip Domestic Plans $50
For Domestic Cancellation and
Emergency Expense Plans $50
If You have bought out the excess for Your selected Plan while
purchasing Your Policy online, then no excess shall apply. Please
note, You cannot buyout the applicable excess for specified items
or Existing Health Disorders.
A.8. Travel Guard™
24 Hour World-Wide Emergency Assistance
Pre-trip and emergency assistance is provided by Travel Guard™.
Travel Guard™ operates a network of service centres, and will
provide you access 24/7 to appropriate medical facilities and
where necessary air ambulances that will provide you with access
to the best possible medical care. By choosing AIG, you have
direct access to these vital services before and during your journey.
Depending on your specific needs, we can:
• Provide pre-trip advice such as what vaccinations are
required and the local medical conditions at your destination
• Help you in the event of lost luggage, travel documents or
credit card by putting you in touch with the nearest embassy
or other authorities
• When medical care is needed, direct you to suitable medical
facilities, monitor your condition and treatment as well as
keeping Your family and friends at home informed
• Decide if and when evacuation or repatriation is required
and coordinate all facets
• Provide help to re-schedule travel plans when your trip
is interrupted by an emergency.
We will try to get You medical attention when You travel but
Travel Guard™ cannot guarantee that appropriate medical
facilities will always be available. Travel Guard™ is only provided
to assess and monitor Your condition and cannot take over the
running of Your medical treatment. Please note that where Your
claim is not covered under the Policy, the providing of emergency
assistance will not in itself be an admission of liability of Your claim.
To contact our assistance services, phone REVERSE
CHARGE to New Zealand from anywhere in the world
on +64 9 359 1645 or from within New Zealand on
09 359 1645.
8A.9. Your Duty of Disclosure
Before You enter into this Policy You have a duty to disclose to Us
every matter that You know, or could reasonably be expected to
know, is relevant to Our decision (or the decision of a prudent
insurer in the circumstances) of whether to accept the risk of the
insurance and if so on what terms. You have the same duty to
disclose those matters to Us before You renew, extend, vary or
reinstate this Policy.
Your duty does not extend to matters;
• that diminish the risk to be undertaken by Us.
• that are of common knowledge.
• that We know or in the ordinary course of Our business
ought to know.
• where compliance of Your duty is waived by Us.
If You fail to comply with this duty of disclosure, We may be
entitled to reduce Our liability under this Policy in respect of
a claim, or may cancel this Policy.
If Your non-disclosure is fraudulent, We may also have the
option of avoiding this Policy from the inception date.
Matters that We consider should be disclosed include but are
not limited to:
• Travel to locations designated as Extreme Risk by the
New Zealand Government, refer to www.safetravel.govt.nz.
• Travelling for missionary or humanitarian work purposes.
• Extreme sporting activities.
• You undertaking during the Trip any manual or dangerous
work activity including but not limited to work carried out by
trades persons, repair or maintenance persons, machine
operators, handlers of toxic substances or the like.
A.10. Our Privacy Statement
This Policy is issued/insured by AIG Insurance New Zealand
Limited.
AIG collects information necessary to underwrite and administer
Your Policy, to maintain and improve customer service, and to
advise You of Our products. In the course of administering Your
Policy, AIG may exchange or disclose Your personal information
and that of any other person insured by this Policy to:
(a) a related AIG company either in New Zealand or overseas;
(b) contractors or third party providers providing services related
to the administration of Your Policy;
(c) banks and financial institutions for the purpose of processing
Your application and obtaining payment
of premium;
9(d) in the event of a claim - assessors, third party administrators,
emergency providers, retailers, medical providers and travel
carriers; or
(e) Our assistance provider who will record all calls to the
assistance service provided under Your Policy for quality
assurance, training and verification purposes.
Your Access to Personal Information
You may gain access to or request correction of Your personal
information and that of any other person insured by this Policy
by writing to:
The Privacy Manager
AIG
PO Box 1745
Shortland Street
Auckland 1140
New Zealand
While access to this personal information may generally be
provided free of charge, We reserve the right to charge for
access requests in some limited circumstances.
Consent Acknowledgement
By completing the application form (including any associated
form) and paying the premium, You consent to the use of Your
personal information and that of any other person insured by
this Policy stated in the Privacy Statement above.
A.11. The Policy
A range of benefits are available under this Policy. However
there are some circumstances where cover cannot be provided.
These are covered in this Policy Wording but we draw your
attention to some important points below.
• This Policy does not automatically provide cover for travellers
who have an Existing Health Disorder. This also extends
to persons on whom Your Trip depends. You should also
be aware of the ongoing duty of disclosure requirement
that applies through to Your departure date. For further
information refer to Section A.25. of the document ‘Existing
Health Disorders’.
• Limits and sub-limits apply to certain benefits under
each Plan
• This Policy does not cover any medical, hospital, dental
or ancillary benefits incurred in New Zealand.
A.12. General Exclusions
In addition to the specific exclusions (What is not covered) which
appear under each benefit Section D to M, Your Policy Wording
also contains general exclusions. Please refer to Section C of
Your Policy Wording titled ‘Losses not insured under any Section
of the Policy’.
10Your Policy Wording also contains a list of:
• Important Matters About Your Policy in Section A of Your
Policy Wording and
• Definitions in Section B of Your Policy Wording
A.13. Policy Activation
Your Policy is valid only when You pay the premium and a
Certificate of Insurance is issued to You. Cover for Cancellations
or Lost Deposits (Section D) and Financial Default (Section M)
begins on the date Your Policy is issued.
Cover for all other benefits commences on the date Your Trip
begins, and terminates on;
• completion of Your Trip, or
• in the case of an Annual Multi-trip Plan, expiry of 45 days
from the date Your Trip begins, or
• expiry date on Your Certificate of Insurance,
whichever occurs first.
A.14. Policy Extensions
We will automatically extend Your cover for a period that is
necessary for You to complete Your Trip, if Your return is delayed
due to any cause which gives rise to a claim under this Policy.
If You wish to extend Your Trip under Your One-trip Plan, You
may prior to the expiry date of Your original Policy, apply
for an extension of Your original Policy by payment of the
required premium. You will be required to confirm Your travel
arrangements at the time and We will review this information
and Your claims history before we decide on Your application
for extended cover. Terms and conditions may apply or We may
decide not to offer an extension.
Cover must not exceed a period of 12 months in total from the
date of the commencement of Your Trip on Your original Policy.
Please note, if you have an Annual Multi-trip Plan, you cannot
extend Your Trip beyond 45 days.
Existing Health Disorder cover is not available on any extension
of Your Policy.
A.15. Contract
The Policy is a contract between You and Us; You pay Us the
premium and in return We give You the cover described in the
Policy. The Policy is governed by the laws of New Zealand.
A.16. Choice
You are free to take out travel insurance with any insurer
You choose.
11A.17. Other Cover
We will not cover You for loss or an event or liability to the extent
that it is covered by any other insurance policy, medical or health
scheme or Act of Parliament or any benefit which We are legally
prohibited to pay by law. We will however pay the difference
between what is payable under that other insurance policy,
medical or health scheme or the relevant Act of Parliament and
what You would have been entitled to recover under this Policy to
the extent permitted by law.
This does not apply to benefits payable under Sections H and I.
A.18. Cooling Off Period
You may return the Policy to Us within fourteen days of purchase
for a full refund of premium paid by You, provided no claim
has arisen and Your travel has not commenced. Subject to Your
rights under the cooling off period, We will not refund any part
of the premium if You cancel Your cover after any part of this
Policy has begun or a claim has arisen.
A.19. Fraudulent Claims
We will not pay a claim if Your claim is fraudulent.
A.20. Compliance
We may refuse to pay a claim under this Policy if You do not
observe any condition of this Policy or you fail to follow Our
or Travel Guard™’s advice or instruction.
A.21. New Zealand Resident Traveller
Unless otherwise agreed by Us, this Policy is only available to
permanent residents living in New Zealand who plan to return to
New Zealand to live at the end of the trip.
A.22. The Fair Insurance Code
AIG is a signatory to the Fair Insurance Code. This Code aims
to raise the standards of practice and service in the insurance
industry, and it includes the following:
• When You lodge a claim We will tell You in plain language
what information We need and how You should go about
making a claim.
• We will respond promptly to any request You make for
assistance with a claim and it will be considered and
assessed promptly.
A.23.Mature Age Traveller
This Policy is available and valid only for travellers aged 69 years
and under at the date of departure. Travellers 70 years and over
may refer to our Mature Age Travel Insurance. Please go to the
Mature Age Travel Insurance area of Our website for details on
how to apply.
12A.24. Adventure Activities
Most amateur sporting and adventure activities are covered
at no extra cost on all Plans. Activities covered include non
competitive snow skiing/ boarding within designated ski fields,
cycling, trekking below 3,000 metres, water skiing and, where
provided by a local commercial operator, bungee jumping,
para-sailing, white water rafting, and hot air ballooning.
A.25. Existing Health Disorders
This Policy does not automatically provide cover for
travellers with an Existing Health Disorder.
An Existing Health Disorder means:
a) any illness, disease or other condition, including symptoms
thereof, suffered by You or by Your Travelling Companion,
Relative or close business associate which in the one (1) year
period before the date the Certificate of Insurance was issued:
(i) first manifested itself, worsened, became acute or exhibited
symptoms which would have caused an ordinarily prudent
person to seek diagnosis, care or treatment;
(ii) required taking prescribed drugs or medicine, or tests
or further investigation had been recommended by a
medical practitioner;
(iii) was treated by a medical practitioner or treatment had
been recommended by a medical practitioner.
or
b) any congenital, hereditary, chronic or ongoing condition
of Yours or of Your Travelling Companion, Relative or close
business associate which You or they are aware of, or could
reasonably be expected to be aware of, before the date the
Certificate of Insurance was issued.
Existing Health Disorder cover is only available in respect
of medical conditions for persons insured under this Policy.
13On going Duty of Disclosure
If You suffer a new medical or dental event or Your general state
of health deteriorates after You have activated cover under this
Policy, but before Your departure for your Trip, You must contact
the Medical Assessment Unit and update them, otherwise the
new condition or consequences of Your change in health may
not be covered under the Policy once Your Trip commences.
We reserve the right to review the cover granted including
withdrawing or amending cover previously approved for the
Trip. If We apply new restrictions then You will have the right
to lodge a claim under Policy Section D Cancellation Fees and
Lost Deposits should the new cover restrictions imposed by Us
prevent You from undertaking the planned Trip.
Assessment of Application
You are not able to apply to have Your Existing Health Disorders
covered if You select the Australia Plan (G12) - please see the
Automatic Acceptances section on page 15 for conditions that are
covered automatically. If You do require cover for Existing Health
Disorders then You should select the Bronze Plan (E12) instead.
If You have selected any Plan other than the Australia Plan, and
need to apply for cover;
• You should read the Medical Conditions information
on Our website for further details on how to apply.
• Travel Guard™ will fairly assess applications but cannot
guarantee acceptance.
• If cover can be provided Travel Guard™ will advise the terms
of cover and Plan Code, together with an Assessment Number.
• Cover of Existing Health Disorders is limited to the approval
for the original Policy and cannot be extended.
• If accepted an additional premium charge will apply.
• We are also advised of the outcome of the assessment.
• You must retain a copy of Our confirmation letter, which
contains your Assessment Number, and submit this with Your
claim form as applicable.
To be assessed You will need to:
a) Telephone the Travel Guard™ Medical Assessment Unit on
0800 367 244 (8.30am to 5pm week days, excluding public
holidays)
b) Request an ‘Existing Health Disorder’ assessment.
You will need to provide the Medical Assessment Unit with
the following:
i) Relevant traveller’s full name and age;
ii) Details of the Trip;
iii) Details of condition, current treatments and medications;
iv) Contact details of the relevant traveller’s current Doctor;
and
v) Medical reports as required by the Medical
Assessment Unit.
The provision of any information or reports required by the
Medical Assessment Unit will be at Your expense.
14Automatic Acceptances
The conditions which follow are automatically covered under this
Policy, subject to You satisfying the provisions 1 and 2 below:
Acne
Allergies
Asthma (nil attacks requiring hospitalisation or medical
treatment within the last 12 months)
Broken/Fractured Bones (providing these are completely
healed with no ongoing treatment or residual problem)
Cataracts
Coeliac Disease
Eczema
Essential Tremor
Gastric reflux
Glaucoma
Hay fever
Haemorrhoids
Hiatus Hernia
Hip/Knee Replacements (performed more than 12 months
ago and no ongoing treatment or residual problem)
Hypothyroidism
Insomnia
Menopause/HRT
Restless Leg Syndrome
Tinnitus
Varicose Veins
Provisions for Automatic Acceptance:
1. Automatic Acceptance is only available for Your conditions
provided there are no planned procedures, and there have
been no complications or exacerbations of the condition
within the last six (6) months. In all other circumstances, cover
for Existing Health Disorders is subject to application and
assessment.
2. Automatic Acceptance does not apply if You request an
Existing Health Disorder assessment for any reason. If You
request an Existing Health Disorder assessment Travel Guard
will fairly assess Your application on the basis of Your entire
medical history. Travel Guard cannot guarantee acceptance
and the assessment outcome may be to decline cover for
Existing Health Disorders even if You suffer a condition that is
noted on the Automatic Acceptance list above.
If in any doubt we recommend that you contact the Medical
Assessment Unit. Please note additional charges apply and
applications can only be made by persons travelling under
this policy.
A.26. Ministry of Foreign Affairs Travel Advisory
Please note that You are obliged to check that it is safe to travel
to Your destination. Information on safe travel is available at
www.safetravel.govt.nz.
15B) Definitions (meaning of words)
Additional Accommodation, Meal and Travelling Expenses
means only those reasonable and necessary expenses over and
above what You expected to pay for accommodation, meal and
travelling expenses including emergency personal telephone
calls, had the Trip gone ahead as planned.
Existing Health Disorder means:
a) any illness, disease or other condition, including symptoms
thereof, suffered by You or by Your Travelling Companion,
Relative or close business associate which in the one (1) year
period before the date the Certificate of Insurance was issued:
(i) first manifested itself, worsened, became acute or exhibited
symptoms which would have caused an ordinarily prudent
person to seek diagnosis, care or treatment;
(ii) required taking prescribed drugs or medicine, or tests
or further investigation had been recommended by a
medical practitioner;
(iii) was treated by a medical practitioner or treatment had
been recommended by a medical practitioner.
or
b) any congenital, hereditary, chronic or ongoing condition
of Yours or of Your Travelling Companion, Relative or close
business associate which You or they are aware of, or could
reasonably be expected to be aware of, before the date the
Certificate of Insurance was issued.
Financial Default means insolvency, bankruptcy, provisional
liquidation, liquidation, financial collapse, appointment of
a receiver, manager or administrator, entry into any official
or unofficial scheme of arrangement, statutory protection,
restructuring or composition with creditors, or the happening
of anything of a similar nature under the laws of any jurisdiction.
Limb(s) means any part of the arm between the shoulder and
the wrist or any part of the leg between the hip and the ankle.
Luggage means personal items, including sporting equipment,
dentures and or dental prostheses designed to be worn or carried
by You which You take with You or buy during Your Trip, unless
they are excluded under “What is not covered” in Sections C or F.
Motor Cycle means a motorised cycle.
Permanent means lasting twelve (12) calendar months from the
date of occurrence and at the end of that period being beyond
hope of any improvement.
Relative means someone who is resident in Australia or New
Zealand and is Your spouse or de facto partner of either gender,
parent, parent-in-law, daughter, son, daughter or son-in-
law, brother, sister, brother or sister-in-law, niece or nephew,
grandchild, grandparent, step-parent, stepdaughter, stepson,
aunt, uncle, fiancée, fiancé or guardian.
16Rental Vehicle means a motor vehicle rented or hired by You
from a recognised motor vehicle rental company for the carriage
of passengers and does not include any vehicle designed to be
used for the carriage of commercial goods.
Serious Injury or Illness means a condition which necessitates
treatment by a legally qualified medical practitioner and which
results in You or any other person to which this insurance applies
being certified by that medical practitioner and Travel Guard™ at
the time as being unfit to travel or continue on with Your original
Trip. In respect of a non-travelling Relative or close business
associate, it is a life threatening condition that as agreed by
Our medical advisor, necessitates Your immediate return to
New Zealand.
Terrorist Act means any actual or threatened use of force
or violence directed at or causing damage, injury, harm or
disruption, or committing of an act dangerous to human life or
property, against any individual, property or government, with
the stated or unstated objective of pursuing economic, ethnic,
nationalistic, political, racial or religious interests, whether such
interests are declared or not. Robberies or other criminal acts,
primarily committed for personal gain and acts arising primarily
from prior personal relationships between perpetrator(s) and
victim(s) shall not be considered Terrorist Acts. Terrorism shall
also include any act which is verified or recognised by the
(relevant) government as an act of terrorism.
Total Loss means the total physical loss or loss of use of one or
more limbs. For an eye, it means the entire and irrecoverable
loss of sight in that eye.
Travelling Companion means the person who is to travel with
You for at least 50% of the Trip and who made arrangements to
accompany You before You began the Trip.
Transport Provider means any airline, bus line, shipping line
or railway that has accepted Your fare.
Travel Service Provider means any scheduled service airline,
hotel, accommodation provider, motor vehicle rental or hire
agency, bus line, shipping line or railway company.
Trip
a) in respect of any One-trip Plan, means the travel You are
undertaking and commences from the time You leave Your
home or place of departure to start Your trip until You return
home or until the end of the period of insurance shown as
the expiry date on the Certificate of Insurance, whichever
occurs first. In regards to International Plans travel must be
to an overseas destination or for Domestic Plans, travel within
New Zealand of no less than a 200km radius from Your
home.
b) in respect of any Annual Multi-trip Plan, means the travel You
are undertaking and commences from the time You leave
Your home or place of departure to start Your trip until You
17return home or until the end of the period of insurance shown
as the expiry date on the Certificate of Insurance, whichever
occurs first. The length of any one trip cannot exceed forty-
five (45) consecutive days and must involve travel to an
overseas destination or a domestic destination of no less than
a 200km radius from Your home.
Unattended means, but is not limited to, when an item is not
on Your person at the time of loss, left with a person other than
Your Travelling Companion or official responsible for Your items
when travelling (e.g. airline check-in agent or hotel porter), left
in a position where it can be taken without Your knowledge
including on the beach or beside the pool while You swim,
leaving it a distance where You are unable to prevent it from
being unlawfully taken.
War means war, whether declared or not, or any warlike
activities, including use of military force by any sovereign nation
to achieve economic, geographic, nationalistic, political, racial,
religious or other ends.
We, Our, Us means AIG Insurance New Zealand Limited.
You, Your, Yourself means the person or persons named
on the Certificate of Insurance. If You select Single cover the
Policy covers You and Your financially dependent children or
grandchildren all under 21 years of age who travel with You.
If You select Family cover the Policy covers the same persons as
Single cover plus Your spouse, de facto partner of either gender
or any adult Travelling Companion named in the Certificate of
Insurance.
C) Losses not insured under any
section of this policy
What is not covered
Your Policy does not provide for losses, liability or expenses that
are for, related to or as a result of:
C.1. You not acting in a responsible way to protect Yourself
and Your property or to prevent or reduce Your loss.
C.2. Something of which You were aware at the time of
taking out this Policy, or of which You could have been
expected to be aware, that could bring about Your
making a claim under this Policy.
C.3. Hunting, racing other than on foot, playing polo,
professional sport, mountaineering or rock climbing
using ropes or climbing equipment (other than hiking),
pot holing, travelling in international waters in a private
sail vessel or privately registered sail vessel, or any travel
to, from or within inhospitable locations including but
not limited to Antarctica (except when such locations
are visited as a fare paying passenger on a commercial
cruise liner).
18C.4. You or Your Travelling Companion, or any other person
for whom You may cancel or alter Your travel Plans,
whether that person is directly involved with Your travel
or not, being affected by alcohol or drugs unless the
drugs were prescribed and used as directed by a legally
qualified medical practitioner.
C.5. You acting illegally or breaking any government
prohibition or regulation.
C.6. War, civil war, invasion, insurrection, revolution, use of
military power or usurpation of government or military
power.
C.7. Any consequential loss, economic or otherwise, loss
of enjoyment or other loss not mentioned in this Policy,
whether financial or non-financial, including but not
limited to any legal or other professional costs and/or
travel expenses arising directly or indirectly out of any
claim made by You under this Policy.
C.8. Nuclear explosion including all effects thereof; or
radioactive contamination caused by ionising radiation
or contamination by radioactivity from any nuclear fuel
or from any nuclear waste caused by the combustion and
or ongoing combustion of nuclear fuel; or the radioactive,
toxic, explosive or other hazardous properties of any
nuclear equipment or component there of.
C.9. The dispersal or application of pathogenic or poisonous
biological or chemical materials; or the release of
pathogenic or poisonous biological or chemical
materials.
C.10. Any claim if You are not a permanent resident in New
Zealand or if You do not plan to return to live in New
Zealand at the end of Your Trip.
C.11. Parachuting, BASE jumping, sky diving or travel in any
other air supported device other than as a passenger
in a licensed passenger aircraft operated by an airline
19or charter company. This does not apply to hot air
ballooning or parasailing.
C.12. Any loss, consequential loss or liability arising directly
or indirectly out of any failure, malfunction, breakdown,
inability to perform normal functions or interruption of
operation of any computer hardware, integrated circuit,
operating system, application, software, electronic
equipment, computer chip, programmed or embedded
logic control system or similar device being affected
due to date based functionality or performance being
affected by the use of any date format.
C.13. Travelling against medical advice or for the purpose of
obtaining medical advice or treatment or if a terminal
or malignant prognosis was given before You applied
for this insurance.
C.14. Diving underwater using an artificial breathing
apparatus unless You hold an open water diving licence
or You were diving under licensed instruction.
C.15. You operating a Motor Cycle without You holding a
valid licence for the country the Motor Cycle is being
operated in.
C.16. A government authority seizing, withholding or destroying
anything of Yours or any prohibition by or regulation or
intervention of any government.
C.17. The refusal, failure or inability of any person, company
or organisation, including but not limited to any airline,
other transportation provider, hotel, car rental agency,
tour or cruise operator, travel wholesaler, booking agent
or other provider of travel or tourism related services,
facilities or accommodation, to provide services, facilities
or accommodation, by reason of their own Financial
Default or the Financial Default of any person, company
or organisation with whom or with which they deal
unless otherwise provided under Section M.
C.18. Any claim arising from errors or omissions in Your
booking arrangements by You, Your travel agent or any
other person acting on Your behalf.
C.19. Any costs which You would have been expected to pay
had the reason for the claim not occurred (for example, the
cost of food which You would have paid for in any case).
C.20. Any claim where You have failed to follow the advice
or instruction of Us, or Travel Guard™, such as when
You refuse to come back to New Zealand when Travel
Guard™ considered You were fit to return home.
We will not provide cover or service for:
C.21. Any loss, injury, damage 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.
20C.22. Any loss, injury, damage, or legal liability suffered or
sustained directly or indirectly by an insured person if
that insured person is:
(i) a terrorist;
(ii) a member of a terrorist organisation;
(iii) a narcotics trafficker; or
(iv) a purveyor of nuclear, chemical or biological weapons.
D) Cancellation fees and lost deposits
You may have to pay an excess for each problem or incident You
claim for under this Section unless You have paid for the excess
eliminator.
See Section A7 for details. If You make a claim You will be required
to give Us things like reports or a certificate from the medical
practitioner who treated You to show that Your claim is necessary.
What is covered
D.1. The cost of cancellation fees and lost deposits on
prepaid tickets and bookings (other than tickets
purchased using frequent flyer or similar points, cover
for which is detailed under D5) that You cannot claim
from anyone else if Your Trip is shortened or cancelled
because of something unexpected and outside Your
control or the reasonable cost of rearranging Your
travel because of something unexpected and outside
Your control, provided this cost is not greater than the
cancellation fees or lost deposits which would have been
incurred if the Trip had been cancelled.
D.2. If We pay a claim under E4 or G2 then You cannot claim
for unused non refundable tickets that are for the return
trip to New Zealand.
D.3. The cost of cancellation fees and lost deposits on
prepaid tickets and bookings (other than tickets
purchased using frequent flyer or similar points, cover
for which is detailed under D5) that You cannot claim
from anyone else, if Your travel is cancelled prior to the
commencement of Your Trip because Your annual leave
is cancelled by Your employer after You have booked
Your holiday, provided that:
a) You are a full time employee of armed forces, police,
fire or ambulance services; and
b) Your employer has to cancel Your leave:
(i) so You can attend an unforeseen emergency; or
(ii) to relocate You overseas unexpectedly.
The maximum We will pay under Section D3 is $1,000
for single cover and $2,000 for family cover.
D.4. Non-recoverable Fees You have been charged by Your
travel agent, up to $4,000 for Single cover or $8,000
for Family cover, but We will not pay more than the loss
21of the normal remuneration available to the agent had
the Trip gone ahead as planned.
D.5. Where an airline ticket was purchased using frequent
flyer or similar air points, We will pay You for frequent
flyer or similar air points lost following cancellation of
Your air ticket. The amount payable will be calculated
as follows:
If the airline will not refund Your points, We will refund
to You the cost of the equivalent class air ticket based on
the quoted retail price at the time the ticket was issued.
If the airline will only refund a portion of Your points,
We will refund to You the cost of the equivalent class air
ticket based on the quoted retail price at the time the
ticket was issued, less the value of the portion of Your
points refunded back to You.
For this benefit to become payable:
a) the reason for cancellation must be covered under
this Section of the Policy, and
b) the loss of such points cannot be recovered from
any other source.
c) before You submit a claim under this Section You
must first request the airline refund Your points.
The cover under D5. is not available under Cancellation
and Emergency Expenses Plans (PH12 and PL12).
What is not covered
Losses, liability or expenses that are for, related to or as a result of:
D.6. Any Existing Health Disorder unless agreed to by Us
in writing. See Section A25 and B for details.
D.7. Any medical or dental problem of Yours which You told
us about when You took out this insurance and We told
You We would not cover.
D.8. You not taking precautions to avoid a claim after there
was a warning in the mass media of a strike, riot or bad
weather or other circumstances.
D.9. A change of plans because You or Your Travelling
Companion change Your mind and decide not to
proceed with Your original Trip.
D.10. Claims arising from Your business (other than severe
damage to Your business premises), Your financial
or contractual obligations or those of Your Travelling
Companion, Relative or close business associate. This
exclusion shall not apply to any circumstances covered
under Section D3.
D.11. You not complying with what Your ticket conditions
require.
22D.12. Tours being cancelled because there were not enough
people to go. This does not apply in relation to pre paid
travel arrangements purchased separately to get to and/
or from Your destination.
D.13. You knowingly making travel arrangements through
an unbonded travel agent.
D.14. Cancellation, delays or rescheduling caused by Your
Transport Provider.
D.15. Mechanical breakdown of any means of transport.
D.16. The death, injury or illness of any Relative who is not
residing in Australia or New Zealand.
D.17. The government of any country not allowing You
to enter or stay in that country.
D.18. Your or any other person’s pregnancy or related
complications after 26 weeks of pregnancy, or childbirth
after 26 weeks of pregnancy unless the childbirth was
accelerated by accidental injury, irrespective of whether
or not the pregnancy was known at the date the
Certificate of Insurance was issued.
D.19. Using a hospital for addiction treatment or as a nursing,
convalescent or rehabilitation place.
D.20. Your or any other person’s depression, stress, anxiety,
mental or nervous disorder, suicide or attempted suicide
or self injury.
D.21. Sexually transmitted diseases of any sort, Acquired
Immune Deficiency Syndrome (AIDS) or AIDS related
complex (ARC) or Human Immunodeficiency Virus (HIV).
D.22. The cost of a return ticket if You have not purchased
a return air ticket to New Zealand. We will deduct
from Your claim the cost of the fare between Your last
intended place of departure to New Zealand, at the
same cabin class as Your initial departure fare.
D.23. Any Terrorist Act or any loss arising out of the intentional
use of military force to intercept, prevent, or mitigate any
known or suspected Terrorist Act.
D.24. The non-refundable unused portion of travel or
accommodation arrangements where alternative travel
or accommodation is paid for by Us as part of a claim
under this Policy. This exclusion will not apply where the
unused portion of the accommodation arrangements
result directly from the hospitalisation or death of You or
Your Travelling Companion, and are agreed by Us.
D.25. See also Section C.
23E) Overseas medical, hospital, cash in
hospital, dental and related expenses
You may have to pay an excess for each injury or illness You claim
for under this Section except for E2 and E6 unless You have paid
the excess eliminator. See Section A7 for details.
What is covered
E.1. Necessary overseas medical and hospital expenses You
have to pay as a result of an injury or illness (including
injury arising from a Terrorist Act subject to Policy terms
and exclusions including C9) which first occurs or
becomes apparent after the issue date of Your Certificate
of Insurance. All medical treatments must be provided
by a legally qualified medical practitioner.
We will pay up to 12 months from the time You first
received treatment for the injury or illness.
E.2. If You are hospitalised overseas for more than 48 hours
We will also pay $50 for each 24 hour period You are in
hospital from the first day of hospitalisation.
E.3.a. Up to $2,000 for emergency overseas dental expenses
incurred following an injury to sound and natural teeth
caused solely and directly by external and visible means
as a result of an accident and which does not result from
an illness or disease, but not treatment that can be
delayed until You return to New Zealand.
E.3.b. Up to $500 for emergency dental costs for relief of
sudden and acute pain given or prescribed by a legally
qualified practitioner and necessarily incurred outside
New Zealand.
E.4. The cost of moving You to another country or to bring
You home to New Zealand. If You want to move and
want Us to pay for it, You must contact Us first and get
Our agreement. At Our discretion, We will decide on
which action to take subject to medical constraints and
as agreed by Our medical advisor. If We bring You
home to New Zealand We will use Your return ticket
towards Our costs.
E.5. Additional Accommodation, Meal and Travelling
Expenses of Your Travelling Companion or Relative if We
agree with Your medical practitioner that a Travelling
Companion or Relative must travel to see You, or stay
with You until You are able to resume Your Trip, or escort
You home.
E.6. Funeral expenses if You die while overseas. We will pay
the cost incurred overseas for a funeral or cremation and
the return of Your remains to New Zealand - but the
most We will pay is $20,000.
24What is not covered
Losses, liability or expenses that are for, related to or as a result of:
E.7. Any Existing Health Disorder unless agreed to by Us
in writing. See Section A25 and B for details.
E.8. The replenishment of any medication in use at the time
Section D is activated for the Trip to which the claim
relates or for the maintenance of any form of treatment
commenced before then.
E.9. Any medical or dental problem of Yours which You told
Us about and We told You We would not cover it.
E.10. Medical, hospital, dental or any ancillary expenses
incurred in New Zealand or for which we are prevented
from paying by reason of any statutory legislation or
government regulation or expenses incurred for dental
treatment due to normal wear and tear or the normal
maintenance of dental health or lack thereof.
E.11. Medical, hospital, dental or any ancillary benefits
expenses incurred more than 12 months from the time
You first received treatment for the injury or illness.
E.12. Any claim for which You are entitled to receive
reimbursement from workers compensation or other
statutory scheme or private health insurance.
E.13. Your or any other person’s pregnancy or related
complications after 26 weeks of pregnancy, or childbirth
after 26 weeks of pregnancy unless the childbirth was
accelerated by accidental injury, irrespective of whether
or not the pregnancy was known at the date the
Certificate of Insurance was issued.
E.14. Using a hospital for addiction treatment or as a nursing,
convalescent or rehabilitation place.
E.15. Your or any other person’s depression, stress, anxiety,
mental or nervous disorder, suicide or attempted suicide
or self injury.
E.16. Sexually transmitted diseases of any sort, Acquired
Immune Deficiency Syndrome (AIDS) or AIDS related
complex (ARC) or Human Immunodeficiency Virus (HIV).
E.17. The cost of a return ticket if You have not purchased
a return air ticket to New Zealand. We will deduct
from Your claim the cost of the fare between Your last
intended place of departure to New Zealand, at the
same cabin class as Your initial departure fare.
E.18. See also Section C.
25F) Luggage and Personal Money
You may have to pay an excess for each incident You claim for
under this Section except F4 and F5 unless You have paid the
Excess Eliminator. See Section A7 for details.
What is covered
F.1. We will pay for the repair cost or loss in cash of any
Luggage You lose or which is stolen or damaged after
allowing for depreciation that We think is reasonable.
At Our sole discretion We also have the option to repair
or replace the Luggage.
F.2. Payment will not exceed the original price You paid.
The most We will pay for each item depending on the
Plan You have selected is:
ITEM
F12, C12, D12, Q12
E12, G12, AF12,
AC12
Camera, video camera, laptop computer
equipment and set of golf clubs $3,000 $500
Dental prostheses (including dentures) $1,000 N/A
Each other item $1,000 $500
A pair or set of items is treated as one item (e.g. a pair
of earrings, a camera body and its standard lens and
accessories, or a set of golf clubs).
The limit for any specified item may be increased to
$4,000 with a maximum for all specified items of $8,000.
You must have paid the appropriate additional premium
and in the event of any claim can show us in support of
Your claim a receipt or valuation issued in the twelve
months before the commencement of Your Trip.
F.3. Luggage left in a motor vehicle is only covered during
daylight hours if it is locked in the boot or locked luggage
compartment and forced entry was gained. No cover
applies if left Unattended in the passenger compartment
or overnight in the motor vehicle nor does cover apply to
mobile phones, computer equipment, or jewellery items
left Unattended in a motor vehicle at any time.
F.4. If Your travel documents, credit cards or travellers
cheques carried with You are lost or illegally used by
someone other than You, Your Relative or Travelling
Companion, We pay any amounts You have to pay to
replace them or resulting from their fraudulent use.
The maximum we will pay is $3,000.
F.5. If You have to buy essential clothing and personal items
overseas because Luggage carried by Your Transport
Provider overseas is delayed by more than 10 hours, We
26will pay up to $300 per Trip for Single cover and $600
per Trip for Family cover. Receipts must be provided
as proof of purchase of such items and be dated prior
to the date of recovery of Your delayed Luggage. The
amount paid by Us will be deducted from any Luggage
claim payable under F1.
F.6. Following a loss under this Policy Section We will allow
on settlement one automatic reinstatement of the sum
insured.
F.7. If Your golf or snow skiing equipment is lost, delayed
or damaged while on the Trip (other than whilst in use),
We will pay the necessary cost of hiring replacement
equipment up to the amount of $100 for Single cover
and $150 for Family cover. Any claim must be supported
by receipts.
F.8. If Your personal money is accidentally lost or stolen
whilst overseas, then We will pay the value of this
personal money up to $500 per Trip for Single Cover
and $1,000 per Trip for Family Cover.
For the purpose of this section, personal money means
cash which is carried as hand luggage or on Your person
unless secured in a safe or strong-room where available,
otherwise out of sight in a locked private residence or room.
It is the responsibility of the Insured Person to provide
proof of ownership of any accidentally lost or stolen
personal money and We are under no obligation to
make payment without this proof of ownership.
What is not covered
F.9. Furniture.
F.10. Items for trade, trade samples or Your tools of trade
or profession.
F.11. Brittle or fragile items, glassware, china, ceramics,
pottery etc or an electronic component that becomes
broken or scratched unless it is:
• the lens of spectacles, laptop computers, binoculars,
photographic or video equipment
• a breakage or scratch caused by an accident involving
any vehicle You were travelling in.
F.12. The loss of Your travel documents, credit cards or
travellers cheques if You do not report it immediately
to the company that issued them and follow their
instructions.
F.13. Negotiable items, gold or precious metals, precious
unset or uncut gemstones.
F.14. Luggage that You leave Unattended or with someone
You do not know looking after it.
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