Policy Benefits

Effective from 1 December 2021, the following changes will be applied to Westpac Credit Card Overseas Travel Insurance policies.

Policies affected: Platinum card overseas travel insurance, World Mastercard overseas travel insurance, Airpoints Platinum overseas travel insurance, Airpoints World Mastercard overseas travel insurance.

1. Change in maximum amount payable: Benefit 14 – Rental vehicle collision damage and theft excess cover.

The maximum amount payable for each period of insurance, is increased from $3,000 to $5,000.

2. New Exclusions for Cancellation, and/or Unexpected travel and accommodation expenses.

The following exclusions are added to:

Part D, Benefit 1, Cancellation of travel (exclusions applicable to benefit 1), and
Part D Benefit 3, Unexpected travel and accommodation expenses (exclusions applicable to benefit 3).

In addition to the General Policy Exclusions, we will not pay for your costs arising from cancellation of or changes to travel arrangements in relation to:

Any claim relating directly or indirectly to:

(a) an epidemic or pandemic (including, but not limited to, COVID-19 and any mutation, strain, or variation of COVID-19) declared by a governmental body, official health authority or the World Health Organisation; or

(b) any disease (including any mutation, strain, or variation of any such disease) or event declared by the World Health Organisation as a public health emergency of international concern; or

(c) the threat or fear of any such epidemic, pandemic, disease or event.

Any claim arising from travel restrictions due to government orders, advisories, regulations, directives or border closures relating to an epidemic or pandemic (including, but not limited to, COVID-19 and any mutation, strain, or variation of COVID-19) declared by a governmental body, official health authority or the World Health Organization.

3. New Zealand Ministry of Foreign Affairs and Trade advisories.

All references to “extreme risk” location(s) are deleted and replaced with “Do Not Travel”, in accordance with the travel advisory risk levels published by the Ministry of Foreign Affairs and Trade on the website www.safetravel.govt.nz.

4. Part A 12 Privacy statement.

The privacy statement is deleted and replaced with the following:

“This policy is issued/insured by AIG Insurance New Zealand Limited. AIG collects information necessary to underwrite and administer this policy, to maintain and improve customer service, and to advise you of our products. AIG will collect, use, disclose, hold and otherwise process your personal information in accordance with its privacy policy available at https://www.aig.co.nz/privacy-policy. You should read that policy as it includes important information such as how AIG will use and disclose your personal information, how to contact AIG and your rights to request access to and correction of your personal information.”

The tables below show the maximum amounts payable per period of insurance, for each policy benefit. Sub-limits or reduced payment levels may apply. Please refer to the applicable policy benefit for full cover details, to ensure that the policy meets your requirements.

The policy wording can be downloaded in PDF format by opening the link at the bottom of each schedule.

		Maximum amount payable for each Period of Insurance
Benefit		Age up to and including 74 years	Ages 75 to 90 years inclusive**
1	Cancellation of travel*	Unlimited	$5,000 per person $10,000 per family
	Travel agent's cancellation fee	Maximum of $500 per family	Maximum of $500 per family
2	Overseas medical and associated expenses*	Unlimited	Not covered
	Bed care patient allowance	$55 per day Maximum of $5,500 per person Maximum of $11,000 per family	Not covered
	Follow on/deferred treatment in New Zealand	$1,000 per person	Not covered
3	Unexpected travel and accommodation expenses*	$10,000 per person $20,000 per family	$10,000 per person $20,000 per family
4	Death of a relative and resumption of journey*	$3,000 per person $6,000 per family	$3,000 per person $6,000 per family
5	Luggage, personal effects and travel documents*	$12,500 per person $20,000 per family	$12,500 per person $20,000 per family
	Limit any one item Laptop computers and associated equipment/accessories	$3,000 per item $6,000 in total	$3,000 per item $6,000 in total
	Emergency replacement of luggage	$500 per person $1,000 per family	$500 per person $1,000 per family
	Replacement of travel documents	$550 per person $1,000 per family	$550 per person $1,000 per family
	Unauthorised use of travel documents	$550 per person $1,000 per family	$550 per person $1,000 per family
6	Travel delay	After a 6 hour delay - up to $275 per person, $600 per family Each additional 12 hour delay - up to $275 per person, $600 per family Maximum of $825 per person, $1,800 per family	After a 6 hour delay - up to $275 per person, $600 per family Each additional 12 hour delay - up to $275 per person, $600 per family Maximum of $825 per person, $1,800 per family
7	Missed connection*	Maximum of $3,000 per family	Maximum of $3,000 per family
8	Funeral expenses	$12,500 per person $20,000 per family	Not covered
9	Accidental death	$100,000 per cardholder $50,000 per spouse $5,000 per dependent child Maximum of $150,000 per family	$100,000 per cardholder $50,000 per spouse $5,000 per dependent child Maximum of $150,000 per family
10	Loss of income	Up to $1,100 per week Maximum of $14,300 per person $22,000 per family	Not covered
11	Accidental death and disablement (common carrier cover)	$100,000 per cardholder $50,000 per spouse $5,000 per dependent child Maximum of $150,000 per family	$100,000 per cardholder $50,000 per spouse $5,000 per dependent child Maximum of $150,000 per family
12	Hijack and detention	$100 per day to a maximum of $6,000 per person, $12,000 per family	$100 per day to a maximum of $6,000 per person, $12,000 per family
13	Kidnap and ransom	Maximum of $250,000 per family	Maximum of $250,000 per family
14	Rental vehicle collision damage and theft excess cover*	$5,000 per family	$5,000 per family
15	Personal liability*	Maximum of $2,500,000 per family	Maximum of $2,500,000 per family
16	Snow sports***	Maximum of $10,000 per family	Maximum of $10,000 per family
* A $200 excess applies for each claim event made under Part D: benefits 1, 2, 3, 4, 5, 7, 14 and 15 of cover.
** Age references are to the age as at the date of departure for each respective journey. Refer to Age limit (Part A: 4.) and Application for cover for ages 75 years and older (Part A: 5.)
***Benefit 16 Snow sports only applies if you have purchased a snow sports extension by applying for cover.

		Maximum amount payable for each Period of Insurance
Benefit		Age up to and including 74 years	Ages 75 to 90 years inclusive**
1	Cancellation of travel*	Unlimited	$5,000 per person $10,000 per family
	Travel agent's cancellation fee	Maximum of $500 per family	Maximum of $500 per family
2	Overseas medical and associated expenses*	Unlimited	Not covered
	Bed care patient allowance	$55 per day Maximum of $5,500 per person Maximum of $11,000 per family	Not covered
	Follow on/deferred treatment in New Zealand	$1,000 per person	Not covered
3	Unexpected travel and accommodation expenses*	Unlimited	$10,000 per person $20,000 per family
4	Death of a relative and resumption of journey*	$6,000 per person $10,000 per family	$6,000 per person $10,000 per family
5	Luggage, personal effects and travel documents*	$12,500 per person $20,000 per family	$12,500 per person $20,000 per family
	Limit any one item Laptop computers and associated equipment/accessories	$3,000 per item $6,000 in total	$3,000 per item $6,000 in total
	Emergency replacement of luggage	$500 per person $1,000 per family	$500 per person $1,000 per family
	Replacement of travel documents	$550 per person $1,000 per family	$550 per person $1,000 per family
	Unauthorised use of travel documents	$550 per person $1,000 per family	$550 per person $1,000 per family
6	Travel delay	After a 6 hour delay - up to $275 per person, $600 per family Each additional 12 hour delay - up to $275 per person, $600 per family Maximum of $825 per person, $1,800 per family	After a 6 hour delay - up to $275 per person, $600 per family Each additional 12 hour delay - up to $275 per person, $600 per family Maximum of $825 per person, $1,800 per family
7	Missed connection*	Maximum of $3,000 per family	Maximum of $3,000 per family
8	Funeral expenses	$12,500 per person $20,000 per family	Not covered
9	Accidental death	$100,000 per cardholder $50,000 per spouse $5,000 per dependent child Maximum of $150,000 per family	$100,000 per cardholder $50,000 per spouse $5,000 per dependent child Maximum of $150,000 per family
10	Loss of income	Up to $1,100 per week Maximum of $14,300 per person, $22,000 per family	Not covered
11	Accidental death and disablement (common carrier cover)	$100,000 per cardholder $50,000 per spouse $5,000 per dependent child Maximum of $150,000 per family	$100,000 per cardholder $50,000 per spouse $5,000 per dependent child Maximum of $150,000 per family
12	Hijack and detention	$100 per day to a maximum of $6,000 per person, $12,000 per family	$100 per day to a maximum of $6,000 per person, $12,000 per family
13	Kidnap and ransom	Maximum of $250,000 per family	Maximum of $250,000 per family
14	Rental vehicle collision damage and theft excess cover*	$5,000 per family	$5,000 per family
15	Personal liability*	Maximum of $2,500,000 per family	Maximum of $2,500,000 per family
16	Snow sports***	Maximum of $10,000 per family	Maximum of $10,000 per family
* A $200 excess applies for each claim event made under Part D: benefits 1, 2, 3, 4, 5, 7, 14 and 15 of cover.
** Age references are to the age as at the date of departure for each respective journey. Refer to Age limit (Part A: 4.) and Application for cover for ages 75 years and older (Part A: 5.)
***Benefit 16 Snow sports only applies if you have purchased a snow sports extension by applying for cover.

Policy Benefits

Important Notice: Policy Wording Changes effective 1 December 2021

Westpac Platinum and Business Card Schedule of Benefits

Westpac World Card Schedule of Benefits