Comprehensive Packaged Travel Insurance cover for the following occurrences

Are there any conditions that we should know about?

These frequently asked questions and statements made are to assist you in understanding the policy cover. You should read the policy carefully to make sure it suits your requirements. The policy wording is available on the site (click on Policy Wording). As with all insurance policies there are conditions: for example, there are excesses under most sections of your policy to reduce the incidence of small claims, and you are signing, electronically, that you abide by the conditions. It is a serious offence to misrepresent material facts under an insurance contract (e.g. you confirm, in signing, that there are no pre-existing medical reasons increasing the risk of treatment being required whilst away from home).

Who can be insured?

Any person upto 70 years of age who is a citizen or resident of the AGCC countries.

Do I need to take my policy with me when traveling?

Yes. This documentation provides you with information and emergency telephone numbers you may need in the event of making a claim while traveling. It will also provide details of any supporting documentation that may be required in the event of a claim (i.e. loss reports, receipts etc.)

I am currently under a course of treatment with my GP. Should I declare this to the insurance company?

You must declare any medical treatment for which medication, advice or treatment has been received within the 12 months prior to your Travel Insurance application. Pre-existing medical conditions are not covered unless you have declared them to us, and we have confirmed in writing that you will be covered for them. You need to give as much information as possible so that the insurers can make a clear judgment as to whether or not theycan cover you. Depending on the severity of your conditionyour insurers may ask for a medical report from your GP.

If I fall ill or have an accident while abroad, how do I pay my medical bills?

Before you incur any substantial medical expenses abroad we recommend that you contact the 24hr Emergency Helpline number provided. This number can be found on the rear of your insurance certificate as well as in your policy documentation. 

My doctor told me that it would be unwise to travel abroad. Does this invalidate my policy?

It does invalidate the medical expenses section of your policy. If the advice was given after you had booked a trip abroad then you may be able to claim for the cost of the cancelled trip. Contact us for more details.

Are Business trips covered?

Most policies allow you to travel abroad on business. However, if you require cover for business equipment (e.g. laptops, projectors etc.) Please contact us and we will assist you in obtaining cover  on specific items of business equipment to $ 2000.

I quite fancy having a go at paragliding off the beach or maybe even bungee jumping.
Would I be covered if I had an accident?

Whilst many holiday makers have a go at an unusual activity, the policy does not automatically cover sports and activities. However we may be able to obtain an extension to your policy to include extra cover, which may or may not be at an additional premium. Our advice is to take care and look for a professional organization that operates these exciting facilities. If you were to consider scuba diving it is sensible to seek a professionally qualified and certificated dive school.

What is the maximum length of time that I can be covered per trip under an Annual Multi-Trip policy?

The maximum trip length on our Frequent Traveler policy varies between 60 days and 90 days, depending on the level of cover you select.

Why take out an annual policy?

In many cases this can prove more convenient and cost-effective than purchasing single-trip policies each time you travel, particularly if you intend to travel regularly during the year.

What happens if I miss my plane through no fault of my own?

There is no cover

What happens if the flight is delayed?

This is called delayed departure insurance and cover is provided if your departure is delayed for at least 12 hours due to strikes/industrial action, mechanical breakdown of the plane, train or boat or adverse weather conditions.

My hotel room has been broken into and I hadn't put my valuables in the hotel safe - am I covered?

No,  you are not covered. It is sensible to take heed of warnings about valuables being secured in the hotel safe or safe deposit boxes as thefts from hotel rooms are quite common place here and abroad.

At 2.30.a.m.in a different time zone, what would we do if we needed medical treatment and needed to claim?

Your insurers have arranged for professionals to be available 24 hours a day every day of the year just in case a customer needs emergency medical advice or treatment. Call them - they'll take your number and call you back. You'll find the number clearly stated on your policy.

We've heard of people losing their money and credit cards. What would we do if this happened to us?

Report the loss to a recognised authority (i.e. holiday rep, hotel management, Airport Authority) who will be able to locate the police.You should then obtain a Police Report.  

You should notify your credit card supplier and bank immediately so that they can cancel the cards involved. It is a sensible idea to write a list of the credit card numbers you are travelling with, along with the telephone number of your bank, or a friend or relative in the country of your residence who can act as a contact in the event of an emergency.  Keep this list separate from your credit cards; if your wallet goes missing you will have all the information you need to cancel your cards and arrange alternative funds.

Travel can mean encountering the unexpected, ranging from the inconvenient to truly serious. Travel protection plans offer comprehensive benefits to meet the challenges of travel and help you enjoy a worry-free trip.

Not sure you need travel protection?  Read on - these statements frequently made will help you recognize the importance of purchasing travel insurance.

1.   "I have become ill and dont feel well enough to travel"

When you purchase a plan that offers trip cancellation/ interruption coverage within a specified period of your initial trip deposit, you are covered for pre-existing conditions. That means you can cancel your trip if you get sick - and be reimbursed for any non-refundable expenses relating to your trip.

2.   "I think my son has an ear infection whats "ear infection" in Spanish ?"

Most insurers  plans offer 24-hour worldwide assistance. Call toll-free to access the 24 hour medical assistance helpline of the insurer to receive advice or get information on English-speaking doctors in your area.

4.   "We were on our way home when the airline went on strike"

The trip delay benefit covers for up to $ 500 in non-refundable expenses for strikes that affect public transportation.

5.   " My luggage did not arrive "

Whether your bag is lost or merely delayed, you can be reimbursed for the purchase of clothing and personal articles so you can enjoy your vacation.

6.   "My mother-in-law had an accident - I normally care for her"

The illness or injury of family members is also included under covered reasons to cancel.  It is important to remember that even if you are fit to travel; other events may make departing on your trip unthinkable.

7.   "We missed our connection because of a flight delay"

Not covered by the policy..

8.  "We were traveling when I suddenly developed chest pains"

When a medical emergency happens far away from home and far away from proper medical facilities, you want to ensure you receive adequate care. The medial evacuation benefit will cover emergency transportation for you and a companion to the nearest facility or back home.

9.  "What is the definition of a Pre-Existing Medical Condition?"

This would be any injury, disease or illness to You, a Traveling Companion, Family Member, or Business Partner occurring prior to and including the effective date of your insurance.

10. Can I purchase a Travel Policy if I have already departed on my trip?

These policies cannot be purchased if you have already departed on your trip

11.  "What is the latest date I can purchase travel insurance?"

You can purchase a policy up to the day before you travel. However, our recommendation is to purchase as soon as possible to maximize your benefits. If you wait, you always run the risk that something will happen before you buy your insurance and you won't be covered.

DOWNLOAD A TRAVEL INSURANCE PROPOSAL FORM AND SIMPLY FAX BACK ON 04 3388282 OR CALL US ON 04 3385400  AND OUR CUSTOMER SERVICE STAFF WILL BE MORE THAN HAPPY TO ASSIST YOU AND PROVIDE A SUITABLE QUOTE