AA Travel Insurance – NZ and International Travel Insurance

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Travel insurance

Even the most carefully planned travel can go unexpectedly wrong. No matter how careful you are, some events are simply beyond your control. With our travel insurance cover help is just a phone call away when emergencies strike. That way you can get on with enjoying your trip, or at least have a safe return home.

Flexibility

It is important to give you the choice and flexibility in cover that best suits your needs. We offer you the following two policy levels:

Comprehensive Policy - our top of the range product with higher limits and extended benefits

Essentials Policy - covers the main risks faced by a traveller with restricted benefits and lower policy limits

Benefits

Medical and repatriation expenses
Emergency assistance provided 24-hours/seven days with a worldwide network of companies
Replacement cover on baggage items less than two years old
Free cover for dependent children less than 21 years
Rental vehicle excess cover
Recreational sports covered free of charge: leisure skiing and snowboarding, scuba diving (with PADI or NAUI qualification), hot air ballooning, parasailing and paragliding, bungy jumping and white-water rafting in grade four or less rivers.

Other policy options

Private hospital care option
Policy excess option
Increased cover for specified high value items
Civil unrest in the Pacific Islands
Terrorism cover
Automatic free cover for some pre-existing medical conditions

Policy option	Comprehensive	Essentials
Cancellation/travel disruption benefits
Loss of deposits due to cancellation	Unlimited	$5,000
Cancellation of fully paid-for journey	Unlimited	$5,000
Curtailment of travel	Unlimited	$5,000
Missed connection	$15,000	$500
Travel delay	$15,000	$500
Frequent flyer points	$5,000	Nil
Costs of resumption of travel	$10,000	Nil
Strikes and hijacks	$10,000	Nil
Evacuation - Civil Unrest Pacific Islands	$1,500	Nil
Additional expenses as a result of an Act of Terrorism	$3,000	Nil
Medical benefits
Medical treatment during your journey	Unlimited	$250,000
Medical repatriation to NZ excluding terrorism	Unlimited	$250,000
Medical repatriation to NZ as a result of terrorism	$250,000	Nil
Follow-on NZ medical treatment	$2,000	Nil
Emergency dental treatment - as a result of an accident	$3,000	$500
Emergency dental treatment - pain relief not accident related	$1,000	Nil
Incidental hospital expenses	$4,000	Nil
Accompanying person costs	Reasonable costs	Nil
Search and rescue - natural disastor	$20,000	Nil
Life benefits
Funeral expenses	$25,000	$10,000
Accidental death or permanent disablement excluding terrorism	$50,000	Nil
Accidental death or permanent disablement as a result of terrorism	$25,000	Nil
Baggage, personal effects and money benefits
Personal baggage - total limit	$30,000	$5,000
- General item limit	$1,500	$750
- Special item limit for items where the primary use is as a portable computer, video or camera	$2,500	$750
Emergency baggage limit	$1,500	$250
Specified high value items
- Maximum value per item	$10,000	Nil
- Maximum value for all high value items	$20,000	Nil
Replacement of travel documents	$3,000	$500
Money	$500	Nil
Additional expenses as a result of an Act of Terrorism	$3,000	Nil
Personal liability benefits
Rental vehicle excess	$6,000	$1,000
Personal liability	$2,500,000	$500,000
Defence costs - including wrongful arrest	$10,000	Nil
Loss of deposits
You can also choose to buy the Loss of Deposits only cover. This protects you for up to $10,000 in cancellation costs. This cover expires when you make the final payment for your journey. At this point you must purchase the Comprehensive policy, and your Loss of Deposits premium paid will be deducted.

Important Notes

Policy wording – This brochure is only a summary of the policy. For full policy terms and conditions please refer to the policy wording.

Pre-existing medical conditions – Our Comprehensive Policy option covers some pre-existing medical conditions automatically. If your conditions are not automatically covered please contact the Medical Hotline on 0800 886 620 to see if these conditions can be covered. An additional premium may be charged. (The Essentials Policy option product does not provide cover for pre-existing medical conditions.)

Change of health – After you have purchased the policy you must inform the Medical Hotline on 0800 886 620 of any change of health that occurs before your departure. We are not obliged to insure this change.

Important notice to Travellers – Some customers must complete and forward to us our Travel Risk Assessment Form, and will not be able to proceed with a phone based assessment of pre-existing medical conditions with our Medical Hotline. You will be provided with the form by the AA when your policy or quote has been issued. Your completed Travel Risk Assessment form will be reviewed by us prior to acceptance of the policy. On review of this Travel Risk Assessment Form, we will confirm whether the policy is accepted or provide you with a full refund.

Quotes – We reserve the right to amend any premium quoted prior to the issuing of any policy.