Schedule of Benefits
The schedule of benefits below indicates the maximum limits TOWER will pay in the event of a claim. Please read the information below as well as the policy terms and conditions to check that this travel insurance is right for you.
| Section | Limits - Individual | Limits - Family | Sub Limits - Individual | Sub Limits - Family |
|---|---|---|---|---|
| Personal Baggage | NZ $10,000 | NZ $20,000 | Camera: NZ $2,500 per item. Any other individual item: NZ $1,500 per item |
Camera: NZ $2,500 per item. Any other individual item: NZ $1,500 per item |
| Money & Travel Documents |
Money NZ $500
Documents NZ $2,000
|
Money NZ $1,000
Documents NZ $2,000
|
||
| Emergency Purchases |
Over 12 hrs: NZ $500
Over 72 hrs: NZ $1,000
|
Over 12 hrs: NZ $500
Over 72 hrs: NZ $1,000
|
||
| Loss of Deposits, Cancellation & Curtailment | Unlimited | Unlimited | Resumption of travel: NZ $5,000 | Resumption of travel: NZ $5,000 |
| Accidental Death & Permanent Disablement | NZ $50,000 | NZ $50,000 | ||
| Medical & Other Expenses |
Plan A NZ $100,000
Plan B NZ $200,000
Plan C Unlimited
|
Plan A NZ $200,000
Plan B NZ $400,000
Plan C Unlimited
|
Dental: NZ $1,500; Funeral: NZ $15,000 | Dental: NZ $1,500; Funeral: NZ $15,000 |
| Liability Protection | NZ $2,000,000 | NZ $2,000,000 | ||
| Travel Delay or Missed Connection | NZ $2,500 | NZ $5,000 | ||
| Strikes & Hijacks | NZ $5,000 | NZ $10,000 | ||
| Rental Vehicle Excess | NZ $2,000 | NZ $2,000 |
Excess: You must pay the first NZ $100 of every claim or loss.
Family Plan: The family plan covers you, your spouse or de facto partner and your dependent children under the age of 18 who permanently live with you, provided they have New Zealand residency.
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