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Travel Insurance - Explorer Policy

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Our policy for the adventurous traveller

Travel insurance is available today with our Explorer Travel Insurance Policy for New Zealand residents aged 40 or under. Whether you are planning a worldwide backpacking holiday bungee jumping your way around the world, or are just planning a short trip overseas, this policy is ideal for those of you who want a more comprehensive level of explorer travel cover. The policy is designed to cover adventurous travellers, Safari and overland travellers, trekkers and other independant travellers.

This great priced travel insurance product referred to herein is underwritten by American Home Assurance Company (New Zealand branch) and provides peace of mind for the adventurous traveller. This product, like all our travel insurance products, provides automatic free cover for many Explorer holiday sports / hazardous activities, such as bungee jumping, scuba diving (max depth 30m), jet skiing and white water rafting (grades 1-4) and lots more.So it is ideal for those of you going on a working holiday, on the Big OE or anyone who wants backpacker insurance at a higher level of cover.

You could explore Worldwide (excluding USA, Canada and Japan) for a full 12 months, with strong cover for as little as NZ$667.85.

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 $5,000 Up to $750	$100 $100	excess waiver excess waiver
2.	Personal Accident Loss of Limbs or sight Permanent Total Disablement Death Benefit Death Benefit (aged under 18)	Maximum Benefit $30,000 $30,000 $30,000 $30,000 $7,500	n/a
3. a b	Medical Expenses & Repatriation (including Emergency Assistance) Additional Hospital Benefit	Up to $15,000,000 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 $3,000 $450 $600 Up to $450 Up to $1,000 $750 $150 Up to $150	$100 $100 $100	excess waiver excess waiver excess waiver
5. a b	Travel Delay Travel Abandonment	$60 for first 12 hour period, $30 for each additional 12 hour period up to $300 Up to $5,000	n/a $100	excess waiver
6.	Hijack	n/a
7.	Missed Departure	Up to $900	$100	excess waiver
8.	Personal Liability	Up to $2,500,000	$250	excess waiver
9.	Legal Expenses	Up to $30,000	$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	45.60	71.25	80.10
10 Days	57.00	95.95	112.50
17 Days	70.30	128.25	158.40
24 Days	80.75	158.65	182.70
35 Days	95.95	188.10	214.20
45 Days	112.10	207.10	240.30
2 Months	147.25	268.85	309.60
3 Months	176.70	297.35	372.60
4 Months	216.65	338.20	430.20
5 Months	258.40	363.85	511.20
6 Months	290.70	402.80	571.50
7 Months	342.95	449.35	657.90
8 Months	380.00	476.90	744.30
9 Months	417.05	525.35	819.00
10 Months	454.10	583.30	895.50
11 Months	491.15	620.35	976.50
12 Months	525.35	667.85	1057.50

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