| What is an excess? |
Do you cover valuable items? |
Does baggage have to be locked in the boot of a vehicle to ensure a claim? |
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An excess is the first part of a claim you have to pay. This helps keep down the cost of insurance and to keep out very small claims. Excesses vary from policy to policy, so make sure you check what yours is before buying a policy
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We do not recommend you take valuables away with you, however if you do have an expensive item, like a camera, then it will normally be covered up to the single item or valuables limit (max of $600 - Comprehensive Policy) contained in your existing policy. If the item is expensive and you would like to insure it for more than your policy allows, items such as photographic and video equipment, telephones, computers, musical instruments and sporting equipment can be insured for a maximum of $3000 per item up to $6000 for a collection of goods for an additional premium.
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Yes, however you are not covered for luggage/baggage left in the boot between 10pm and 8am. Also, even if your baggage is locked in the boot and out of sight, you are not covered for the loss of money or valuables at any time if left in the vehicle.
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| What is an excess waiver? |
I am travelling on a 1 way ticket. Does my cover finish when I reach my destination? |
Can I travel whilst pregnant? |
| You can pay an extra 10% on the premium at the time of purchasing your policy so that if you make a claim you do not have to pay an excess. This is recommended. |
No, unless you are emigrating or the country that you are travelling to is the country of your passport. Provided it is your intention to return to NZ, cover will continue for the duration of your policy, subject to the total duration limit of 365 days. |
Yes, you are covered up until the 28th week of your pregnancy. |
| What is a pre-existing medical condition? |
If I loose my baggage, can I commence my claim from overseas? |
Is it safe to give my credit card details over the internet? |
| Whilst the insurance is not subject to a health warranty, We shall not be liable for claims WHERE AT THE TIME OF TAKING OUT THIS INSURANCE (OR IF ANNUAL MULTI-TRIP, PRIOR TO BOOKING EACH SEPARATE Holiday / Journey):
1. You are aware of any medical condition or set of circumstances which could reasonably be expected to give rise to a claim.
2. Any person, including those not travelling, whose condition may give rise to a claim:
a) has during the twelve months prior to taking out this insurance (or if Annual Multi-Trip, prior to booking each separate Holiday/Journey) suffered from any medical condition, UNLESS DECLARED TO AND ACCEPTED BY US BY RINGING THE AIG MEDICAL ASSESSMENT DEPARTMENT ON 0800 367 244
b) is suffering from any previously diagnosed psychiatric disorder, anxiety or depression,
c) is receiving, or on a waiting list for, in-patient treatment in a hospital or nursing home,
d) is travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad, or
e) has been given a terminal prognosis.
N.B . The Underwriter must be notified of any changes in circumstances of Yourself or any close relatives occurring after the Certificate has been issued and prior to departure.
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Yes. You must notify the Underwriters of your claim within 31 days but bear in mind that you will be corresponding with the Underwriters at long range. You could get your family/friends back home to deal with it for you to hasten the process but they will need your Police report and any other relevant documentation. |
Yes. We have a secure site, and we also use a secure payment site. |
| How do I make a claim? |
Why are Downunder Insurance's policy prices so competitive? |
| You must give written notice to Us as soon as practicable, but in any event within 30 days. If in New Zealand telephone the AHAC Claims Department during normal business hours on NZ (64) 9 355 3100, giving brief details of your claim and ask for a claim form - or write to Our Travel Claims Department , Attention AHAC Travel Claims Department PO Box 1745, , Auckland 1001
If overseas or for emergencies contact AIG Assist on +64-9-359-1662.
PLEASE DO NOT FORWARD ANY DOCUMENTS UNTIL YOU SUBMIT THE COMPLETED CLAIM FORM
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Downunder Travel Insurance specialises in Backpacker and Independent Traveller policies with varying levels of cover. We perform a good portion of our sales over the internet which helps us to keep our costs down. |
| Do I have to pay the bill if I am ill? |
Can I cancel my policy and get a refund? |
| No, provided AIG Assist has been advised immediately of the hospitalisation, intended repatriation for medical reasons or where out patient treatment is likely to exceed NZ$1500 and AIG Assist has authorised the medical treatment. |
Yes, our money back guarantee allows you to cancel your travel insurance policy and get a full refund as long as you cancel it within 14 days of purchasing and you haven't left on your trip or made any type of claim. |
| What are the Policy Age Limits? |
Must I be an NZ resident? |
Can I still get insurance with Downunder Travel Insurance even though I'm not a backpacker? |
| Backpackers Policy, Essentials Policy and the Adventurer policy has a maximum age of 40 years. The Comprehensive Policy, Annual Multi Trip Policy and Wintersports Policy has a maximum age limit of 55 years. Generally the older you are, the higher your level of cover will be, and the higher the cost. If you are aged 17 years and under or 56 years and above, please contact our call centre on 0800 244 633 so we may assist you with your purchase of travel insurance. |
Please contact our offices directly on 0800 244 633 if you are not a permanent New Zealand resident, so we may assist you with your purchase of travel insurance. |
Yes, however please be aware that our policies have been developed to suit backpackers and independent travellers and you should ensure the policy provides the right type of cover for your needs. |
| Do I have to keep my policy with me whilst I travel? |
What is the 72 hour stopover rule? |
Can I extend my policy? |
| Some authorities will ask to see your policy so you should carry a photocopy. However, to take advantage of our 24 hour emergency assistance all you need is the 24hr medical emergency telephone number and your policy number. |
The rule states that stopovers of up to 72 hours or less are allowed in any one Area regardless of which Area of cover you have chosen. |
Yes, you can extend your policy to a maximum of 12 months, but you can't extend your cover once your existing policy has expired. Once your policy has expired, you will need to buy a new policy and be issued with a new policy number. |
| What is the 24 hour medical emergency phone number? |
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AIG Assist is there to help You 24 hours a day, 365 days a year Do not try to find Your own solution, they will solve Your problem in the most suitable and practical way. Failure to follow their advice or instruction may result in Your claim not being paid.
THE TELEPHONE NUMBER IS: NZ (64) 9 359 1662
Be prepared to give: (a) insurance Certificate number, (b) name & address of Downunder Travel Insurance, (c) dates of outward & return travel, (d) details of the problem including name & address of patient and nature of illness/accident, and (e) names and telephone numbers of hospital, attending doctor & usual GP.
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| Am I covered for bungee jumping, scuba diving and white/black water rafting? |
| Yes you are. All of our policies will cover most adventure sports. Please check the policy wording to see if your sport is covered. Most sports not automatically covered can be added to your policy for an additional premium. |