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Travel Insurance - Backpacker Policy

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The Backpacker policy is our most popular travel insurance policy for your Big OE

Travel Insurance is available right now with our Backpacker Travel Insurance Policy. This Backpacker Travel Insurance policy is ideal for the backpacker or traveller who wants reasonable levels of cover, including cover for their baggage should it get lost or stolen. This policy is provided at extremely competitive rates for travellers under the age of 40 travelling abroad and is most popular with young travellers going overseas on a working holiday.

The fantastically priced travel insurance product referred to herein is underwritten by American Home Assurance Company (New Zealand branch) and provides peace of mind for the budget traveller, as with all our policies, you are automatically covered for hazardous activities, such as bungee jumping, paragliding and white water rafting (grades 1-4), not often available with this type of backpacker insurance for no additional premium.

You could travel Worldwide (excluding USA, Canada & Japan) for a full 12 months, with good cover for as little as NZ$597.55 (online price only).

Please refer to the Destination Exclusions for a list of countries which are not covered.

Schedule of Benefits
Section	Description	Cover per insured	Excess per insured	No Excess Option
1. a & b c	Cancellation & Curtailment Catastrophe	Up to $2,500 Up to $750	$125 $125	excess waiver excess waiver
2.	Personal Accident Loss of Limbs or sight Permanent Total Disablement Death Benefit Death Benefit (aged under 18)	Maximum Benefit $15,000 $15,000 $15,000 $15,000 $7,500	n/a
3. a b	Medical Expenses & Repatriation (including Emergency Assistance) Additional Hospital Benefit	Up to $6,000,000 n/a	$250	excess waiver
4. a b c d	Personal Effects & Baggage Single Item Limit Valuables Travel Documents Personal Money Cash Limit Cash Limit (aged under 18) Baggage Delay	Up to $2,500 $300 $300 Up to $150 Up to $600 $300 $150 Up to $75	$125 $125 $125	excess waiver excess waiver excess waiver
5. a b	Travel Delay Travel Abandonment	$30 for first 12 hour period, $30 for each additional 12 hour period up to $150 Up to $2,500	n/a $125	excess waiver
6.	Hijack	n/a
7.	Missed Departure	Up to $300	$125	excess waiver
8.	Personal Liability	Up to $2,500,000	$250	excess waiver
9.	Legal Expenses	Up to $7,500	$250	excess waiver

This Schedule of Cover is intended as a summary of cover only. Make sure you read your Policy Wording
thoroughly as it defines the full terms, conditions and exclusions in detail. Also, make sure you take your Policy Wording
and Certificate with you as a reference when you travel.

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INSTANT QUOTE

*Remember, your policy can be renewed for up to 12 months whilst abroad, by completing the Overseas Extension Application form.

Price List ($)
Period	Australia, South Pacific French Polynesia & Bali	Worldwide, excluding USA, Canada & Japan	Worldwide
5 Days	38.00	57.00	63.00
10 Days	45.60	77.90	90.90
17 Days	57.00	103.55	126.00
24 Days	64.60	128.25	147.60
35 Days	76.00	150.10	173.70
45 Days	89.30	165.30	194.40
2 Months	117.80	215.65	248.40
3 Months	140.60	239.40	297.00
4 Months	172.90	269.80	346.50
5 Months	207.10	290.70	410.40
6 Months	247.00	340.10	483.30
7 Months	290.70	386.65	558.00
8 Months	322.05	403.75	637.20
9 Months	354.35	444.60	693.90
10 Months	405.65	520.60	798.30
11 Months	437.95	552.90	872.10
12 Months	468.35	597.55	943.20

All Prices are in New Zealand Dollars and Inclusive of GST.