Sum insured (maximum amount payable)

Age up to and including 74 years

Age 75 to 90 years inclusive (where Mature Age Cover has not been purchased)

A. ^*

Medical and evacuation expenses

$Unlimited^**

Not covered^#

Sub-limits applying to section A

Dental pain relief

$2,000 per person or

$4,000 per Family

Not covered^#

In-hospital cash

$55 every 24 hours

per person

$5,500 per person or

$11,000 per Family

Not covered^#

Accompanying person

$Unlimited**

Not covered^#

Funeral or return of remains to New Zealand

$30,000 per person

Not covered^#

Terrorism cover for medical costs

$100,000 per person

Not covered^#

Ongoing medical treatment in New Zealand

$1,000 per person

Not covered^#

B. ^*

Travel cancellation and additional expenses

$Unlimited

$5,000 per person or

$10,000 per Family^#

Sub-limits applying to section B

Additional Public Transport, meal and accommodation expenses after you depart New Zealand

$10,000 per person or

$20,000 per Family

$5,000 per person or

$10,000 per Family^#

Delayed travel to a Special Event

$3,000 per person or per Family

$3,000 per person or per Family

Travel delay

After 6 hours of delay $275 per person or $600 per Family

After each additional 12 hours of delay $275 per person or $600 per Family

$825 per person or

$1,800 per Family

$825 per person or

$1,800 per Family

Missed connection and travel interruption

$10,000 per person or per Family

$10,000 per person or per Family

C. ^*

Luggage, personal belongings and travel documents

$12,500 per person or

$20,000 per Family

$12,500 per person or

$20,000 per Family

Sub-limits applying to section C

Per item limit

$3,000 per item per person

$3,000 per item per person

Laptop computers (inclusive of accessories)

$6,000 per person

$6,000 per person

Limit for any one Specified Item

$10,000 per item per person

$10,000 per item per person

Special medication benefit

$500 per person

$500 per person

Lost or damaged travel documents

$550 per person or

$1,000 per Family

$550 per person or

$1,000 per Family

Money

$5550 per person or

$1,000 per Family

$550 per person or

$1,000 per Family

Luggage delay

(after 12 hours of delay)

$500 per person or

$1,000 per Family

$500 per person or

$1,000 per Family

D.

Overseas rental vehicle hire

$8,000 per person or per Family

$8,000 per person or Family

E.^~

Accident lump sum benefits and loss of income

Accidental death

$100,000 per Platinum Cardholder

$50,000 per Spouse

$5,000 per Dependent Child

Maximum of $150,000 per Family

$100,000 per Platinum Cardholder

$50,000 per Spouse

$5,000 per Dependent Child

Maximum of $150,000 per Family

Scheduled Transport Accident

$100,000 per Platinum Cardholder

$50,000 per Spouse

$5,000 per Dependent Child

Maximum of $150,000 per Family

$100,000 per Platinum Cardholder

$50,000 per Spouse

$5,000 per Dependent Child

Maximum of $150,000 per Family

Loss of income

Up to $1,100 per week

$14,300 per person or $22,000 per Family

Not covered^

F.

Personal liability

$2,500,000 per person or per Family

$2,500,000 per person or per Family

Sub-limits applying to section F

Your defence costs

$50,000 per person

$50,000 per person

G.

Unlawful detention

Hijack and detention

$100 per person per 24 hours

$6,000 per person or $12,000 per Family

$6,000 per person $12,000 per Familyor

Kidnap and ransom

$250,000 per person or Family

$250,000 per person or Family

Optional cover by application at www.travelactivate.co.nz

H. ^***

Snow sports cover

Benefit H. Sub-limits

The maximum amount payable for all claims under snow inconvenience benefits H1. to H3. is 10,000 per person or per Family.

H.3 Ski field closure is limited to $50 per person or $100 per Family each 48 hours

For the maximum amounts payable per person or per Family during Covered Snow Sports refer to Benefit H. and Benefits A. – G., as applicable.

For the maximum amounts payable per person or per Family during Covered Snow Sports refer to Benefit H. and Benefits A. – G., as applicable.

*Excess

You must pay the first $300 of each and every claim arising from the same event under Sections A., B. and C., except if your claim is under:

·         A2. Extra medical cover – 2. In-hospital cash

·         B2.1 Extra cover after you depart New Zealand – 2. Travel delay

·         C2. Cover sub-limits – 5. Luggage delay

An excess is the first amount of a claim that you have to pay. We will only apply one excess for each event that results in a claim.

For example, if you have a claim under Benefits A. and B. for medical and additional expenses due to one medical event, we will only deduct one excess from that claim, in this case, $300.

If you claim losses due to more than one event occurring during your travel, for example your bags were stolen on two different occasions during your trip, we will deduct one excess per event from the amount you claim, in this case, 2 x $300.

No excess applies to benefits D., E., F., G. or to the snow inconvenience benefits under H1. – H3. in the case of additional cover purchase under Benefit H. Snow sports cover.

^#Persons aged from 75 years may apply to remove the age limit to these benefits online at www.travelactivate.co.nz with Mature Age Cover purchases for each and every trip. If cover is accepted the maximum amount payable will default to the limit shown for persons under 75 years of age.

^{^}Purchase of Mature Age Cover does not remove the age limit for any Mature Age person for this benefit.

^~Purchase of Mature Age Cover does not remove the age limit for Mature Age persons aged 91 years and over (if we accept your Mature Age Cover application when you are 91 years or over, Benefit E. Accident lump sum benefits and loss of income will be the only excluded section and all other benefits will default to the limit shown for persons under 75 years of age).

 ^**Limited to 12 months after the first instance of you suffering an illness or injury Overseas.

^***Cover during skiing and snowboarding is optional and subject to cover limitations and exclusions. Refer to How we cover snow sports on page [x] and Benefit H. Snow sports cover on page [x].

Sum insured (maximum amount payable)

Age up to and including 74 years

Age 75 to 90 years inclusive (where Mature Age Cover has not been purchased)

A.^*

Medical and evacuation expenses

$Unlimited^**

Not covered^#

Sub-limits applying to section A

Dental pain relief

$2,000 per person or

$4,000 per Family

Not covered^#

In-hospital cash

$55 every 24 hours

per person

$5,500 per person or

$11,000 per Family

Not covered^#

Accompanying person

$Unlimited**

Not covered^#

Funeral or return of remains to New Zealand

$30,000 per person

Not covered^#

Terrorism cover for medical costs

$100,000 per person

Not covered^#

Ongoing medical treatment in New Zealand

$1,000 per person

Not covered^#

B. ^*

Travel cancellation and additional expenses

$Unlimited

$5,000 per person or

$10,000 per Family^#

Sub-limits applying to section B

Additional Public Transport, meal and accommodation expenses after you depart New Zealand

$Unlimited

$5,000 per person or

$10,000 per Family^#

Delayed travel to a Special Event

$3,000 per person or per Family

$3,000 per person or per Family

Travel delay

After 6 hours of delay $275 per person or $600 per Family

After each additional 12 hours of delay $275 per person or $600 per Family

$825 per person or

$1,800 per Family

$825 per person or

$1,800 per Family

Missed connection and travel interruption

$10,000 per person or per Family

$10,000 per person or per Family

C. ^*

Luggage, personal belongings and travel documents

$12,500 per person or

$20,000 per Family

$12,500 per person or

$20,000 per Family

Sub-limits applying to section C

Per item limit

$3,000 per item per person

$3,000 per item per person

Laptop computers (inclusive of accessories)

$6,000 per person

$6,000 per person

Limit for any one Specified Item

$10,000 per item per person

$10,000 per item per person

Special medication benefit

$500 per person

$500 per person

Lost or damaged travel documents

$550 per person or

$1,000 per Family

$550 per person or

$1,000 per Family

Money

$550 per person or

$1,000 per Family

$550 per person or

$1,000 per Family

Luggage delay

(after 12 hours of delay)

$500 per person or

$1,000 per Family

$500 per person or

$1,000 per Family

D.

Overseas rental vehicle hire

$8,000 per person or per Family

$8,000 per person or Family

E.^~

Accident lump sum benefits and loss of income

Accidental death

$100,000 per World Cardholder

$50,000 per Spouse

$5,000 per Dependent Child

Maximum of $150,000 per Family

$100,000 per World Cardholder

$50,000 per Spouse

$5,000 per Dependent Child

Maximum of $150,000 per Family

Scheduled Transport Accident

$100,000 per World Cardholder

$50,000 per Spouse

$5,000 per Dependent Child

Maximum of $150,000 per Family

$100,000 per World Cardholder

$50,000 per Spouse

$5,000 per Dependent Child

Maximum of $150,000 per Family

Loss of income

Up to $1,100 per week

$14,300 per person or

$22,000 per Family

Not covered^

F.

Personal liability

$2,500,000 per person or per Family

$2,500,000 per person or per Family

Sub-limits applying to section F

Your defence costs

$50,000 per person

$50,000 per person

G.

Unlawful detention

Hijack and detention

$100 per person per 24 hours

$6,000 per person or $12,000 per Family

$6,000 per person or $12,000 per Family

Kidnap and ransom

$250,000 per person or Family

$250,000 per person or Family

Optional cover by application at www.travelactivate.co.nz

H. ^***

Snow sports cover

Benefit H. Sub-limits

The maximum amount payable for all claims under snow inconvenience benefits H1. to H3. is 10,000 per person or Family.

H.3 Ski field closure is limited to $50 per person or $100 per Family each 48 hours

For the maximum amounts payable per person or per Family during Covered Snow Sports refer to Benefit H. and Benefits A. – G., as applicable.

For the maximum amounts payable per person or per Family during Covered Snow Sports refer to Benefit H. and Benefits A. – G., as applicable.

*Excess

You must pay the first $300 of each and every claim arising from the same event under Sections A., B. and C., except if your claim is under:

·         A2. Extra medical cover – 2. In-hospital cash

·         B2.1 Extra cover after you depart New Zealand – 2. Travel delay

·         C2. Cover sub-limits – 5. Luggage delay

An excess is the first amount of a claim that you have to pay. We will only apply one excess for each event that results in a claim.

For example, if you have a claim under Benefits A. and B. for medical and additional expenses due to one medical event, we will only deduct one excess from that claim, in this case, $300.

If you claim losses due to more than one event occurring during your travel, for example your bags were stolen on two different occasions during your trip, we will deduct one excess per event from the amount you claim, in this case, 2 x $300.

No excess applies to benefits D., E., F., G. or to the snow inconvenience benefits under H1. – H3. in the case of additional cover purchase under Benefit H. Snow sports cover.

^#Persons aged from 75 years may apply to remove the age limit to these benefits online at www.travelactivate.co.nz with Mature Age Cover purchases for each and every trip. If cover is accepted the maximum amount payable will default to the limit shown for persons under 75 years of age.

^{^}Purchase of Mature Age Cover does not remove the age limit for any Mature Age person for this benefit.

^~Purchase of Mature Age Cover does not remove the age limit for Mature Age persons aged 91 years and over (if we accept your Mature Age Cover application when you are 91 years or over, Benefit E. Accident lump sum benefits and loss of income will be the only excluded section and all other benefits will default to the limit shown for persons under 75 years of age).

 ^**Limited to 12 months after the first instance of you suffering an illness or injury Overseas.

^***Cover during skiing and snowboarding is optional and subject to cover limitations and exclusions. Refer to How we cover snow sports on page [x] and Benefit H. Snow sports cover on page [x].