Westpac Platinum and Westpac World Mastercard® International Travel Insurance (‘Insurance’) is subject to the terms, limits, conditions, exclusions (for example business travel, age limitations etc.) and activation criteria contained in the policy document. You should read the Policy Wording and Schedule of Benefits, and consider your personal circumstances, prior to making any decision to acquire the product. The Insurance is provided to Westpac hotpoints® Platinum Mastercard®, Westpac Airpoints™ Platinum Mastercard®, Westpac BusinessPLUS Mastercard®, Westpac Airpoints™ Business Mastercard®, Westpac hotpoints® World Mastercard®, Westpac Airpoints™ World Mastercard® cardholders by Zurich Australian Insurance Limited, incorporated in Australia, ACN 000 296 640, trading as Zurich New Zealand (‘Zurich New Zealand’) under an agreement with Westpac. Westpac does not underwrite the Insurance, is not an agent of Zurich New Zealand, and does not guarantee the obligations of Zurich New Zealand. Premiums are payable for policy extensions such as pre-existing medical conditions, snow sports, duration extension and specified items.