Tower Cover 4 Travel - Travel Insurance

Personal Baggage

You ARE insured for:

• Sudden and unforeseen accidental physical loss of or damage to your personal baggage.

You are NOT insured for (General Exclusions also apply):

• Breakage of glass, fragile or brittle articles.
• Household effects and home appliances not travelling with you, works of art and vehicle accessories.
• Items used in any trade, business or profession.
• Loss or damage to bicycles, surfboards, windsurfers other than when they are in transit on licensed commercial transportation or for fire or burglary from locked accommodation.
• Sporting equipment when in use.

We will PAY up to:

Money and travel documents

You ARE insured for:

• Loss from your person or locked accommodation or locked vehicle of your passport, cash, traveller's cheques, postal notes, credit cards, money orders, petrol coupons, travel tickets or vouchers for pre-paid travel or accommodation.

We will PAY up to:

Emergency Purchases

You ARE insured for:

• Reasonable emergency purchases of essential personal items and clothing should you be deprived of your personal baggage due to it being delayed, misdirected or misplaced by a transport operator.

You are NOT insured for (General Exclusions also apply):

• Any loss for a delay under 12 hours.

We will PAY up to:

Loss of Deposits, Cancellation & Curtailment

You ARE insured for:

• Abandonment or alteration of your travel due to any unexpected event outside your control.
• Your irrecoverable travel or accommodation deposits or expenses paid in advance in New Zealand and once your journey has commenced any additional expenses you are required to pay.
• Reasonable additional travel and accommodation expenses after deduction of any refund for cancellation, incurred by you in returning directly to New Zealand due to the curtailment of your travel resulting from any unexpected events outside your control provided that you purchased a return ticket to New Zealand before your departure from New Zealand.
• Economy class transportation costs to enable you to return overseas to complete your original travel arrangements if you returned to New Zealand because of a life threatening illness, injury or death of your spouse, de facto, children, grandparents, mother, father, sister or brother in New Zealand up to the limits for Resumption of Travel in the Schedule of Benefits provided your period of travel was at least 14 days, less than half of your period of travel had been used, the illness or injury or death was unexpected and first occurred after your departure from New Zealand, you have not otherwise claimed for cancellation or curtailment for the same event and a pre-paid return ticket had been purchased before departure from New Zealand.

You are NOT insured for (General Exclusions also apply):

• Any loss due to you or your travel provider failing to obtain the correct Visa or entry documentation.
• Return to complete your original travel arrangements if this is not completed within 12 months.
• Any loss arising from, or claims for.
  • Cancellation due to lack of numbers,
  • Government prohibition or regulation other than grounding of aircraft by government agency,
  • The default of a travel agent,
  • The inability or negligence of a tour operator, charter airline or wholesaler to complete your travel arrangements,
  • Your disinclination to travel or your personal wishes,
  • Your failure to check-in at the correct departure time,
  • Your financial circumstances or those of any company in which you are a director.

We will PAY up to:

Accidental Death & Permanent Disablement

You ARE insured for:

• Injury suffered outside New Zealand during the period of travel causing accidental death or permanent disablement within 12 months of the injury.
• Accidental death or permanent disablement caused by any act of terrorism.

You are NOT insured for (General Exclusions also apply):

• Any person aged under 16 years or over 65 years.
• Loss arising from, or claim for death or permanent disablement directly or indirectly resulting from disease, natural causes, medical or surgical treatment unless rendered necessary by an injury covered by this insurance .

We will PAY up to:

Medical & Other Expenses

You ARE insured for:

• Reasonable costs of medical treatment including surgical, hospital, nursing, additional accommodation and related medical expenses for illness or injury suffered by you while you are outside New Zealand. In all cases we have the option of returning you to New Zealand including all costs relating to your medical repatriation.
• Reasonable additional travel and accommodation expenses incurred by one person, who because of your severe illness or injury and with the approval of our medical advisers, travels to you, remains with you or escorts you back to New Zealand.
• Reasonable costs incurred overseas for treatment to sound natural teeth as a direct result of injury overseas.
• Reasonable funeral, cremation or burial expenses in the area where death occurred, or the cost to return your body or ashes to New Zealand, excluding funeral and internment costs.
• Reasonable costs incurred for emergency treatment for extraordinary medical complications occurring during the first 20 weeks of your pregnancy, incurred within 12 months of the occurrence.
• Up to $200,000 for illness or injury caused by any act of terrorism.

You are NOT insured for (General Exclusions also apply):

• Any costs unless approved by us or our medical advisers before the cost is incurred.
• The costs of private medical care where free or reduced cost care is available to you.
• Costs incurred after 12 months of the injury or illness.

We will PAY up to:

Liability Protection

You ARE insured for:

• Your legal liability to pay compensatory damages for loss or damage to property including injury, death or illness arising from accidents occurring outside New Zealand, provided such legal liability is established in a New Zealand Court or in the court of the country in which the accident occurred.
• Legal costs incurred by you with our consent in defending claims.
• Your legal costs as the direct result of your false arrest or wrongful detention by any government or government agency.

You are NOT insured for (General Exclusions also apply):

• Liability for or arising from aggravated, punitive or exemplary damages, fines and/or other penalties or reparation orders.
• Liability for or arising from injury, illness or death to you, your employees or members of your family.
• Liability for or arising from loss or damage to property belonging to you or any employee or member of your family, or under your or their control.
• Liability for or arising from the ownership or use of any land or building, aircraft or aerial device other than model aircraft, vehicles other than push cycles, watercraft other than a rowboat, surfboard, sailboard, bodyboard, water-ski or model boat.

We will PAY up to:

Travel Delay or Missed Connection

You ARE insured for:

• Irrecoverable additional travel costs necessarily incurred on a regular airline or established charter service to reach your ticketed destination, where your travel is delayed at least six hours from the published departure time, and this causes you to miss your onward connecting flight provided that you must have booked and paid for tickets prior to leaving New Zealand and you must check-in according to your itinerary.

We will PAY up to:

Strikes & Hijacks

You ARE insured for:

• Irrecoverable additional travel and accommodation costs due to the cancellation or curtailment of public transport services as a result of a strike or hijack.

You are NOT insured for (General Exclusions also apply):

• Loss or claims for costs resulting from rescheduling or cancelling of travel arrangements by any supplier.

We will PAY up to:

Rental Vehicle Insurance Excess

You ARE insured for:

• Any insurance excess you are required to pay in the event of a claim under your rental vehicle hire contract, provided the vehicle is hired from a licensed rental vehicle agency and you comply with the conditions of your rental vehicle hire contract.

We will PAY up to: