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Affordable Travel Insurance
Organise your travel cover NOW. You simply won't believe how easy it is.
When you’re on holiday you’re there to relax and having the right travel insurance can help make it easier to just enjoy yourself. Whether it’s lost luggage or a sick child, you want to know you have travel cover in place so check out FinTel’s travel insurance benefits below.
Section 1 - Medical and other expenses
What you are covered for:
Illness or injury suffered by you
while you are outside New Zealand.
We will pay the reasonable costs incurred outside New Zealand for
medical treatment including surgical, hospital, nursing, additional accommodation
and related medical expenses approved by us up to the amount shown
in the schedule of benefits for the plan selected.
In all cases we:
- will only pay costs incurred within 12 months of the illness or injury;
- have the option of returning you to New Zealand. We will pay all costs relating to your medical repatriation.
What special benefits you are covered for:
- ACCOMPANYING FRIEND
We will pay for reasonable travel and accommodation expenses incurred
by one person,who because of your severe illness
or injury and with the approval of our medical
advisers, travels to you, remains with you or
escorts you back to New Zealand.
- DENTAL TREATMENT OVERSEAS
We will reimburse you up to $1,500 for reasonable
costs incurred for treatment to sound natural teeth as the result of an injury
or for the relief of sudden acute pain, including on-going dental treatment
which is incurred within 3 months of your return to New Zealand,
resulting from an injury which occurred overseas.
- FUNERAL EXPENSES
We will pay up to $15,000 for the reasonable funeral, cremation or burial expenses
in the area where death occurred, or for the costs of returning your
body or ashes to New Zealand excluding funeral and interment costs.
- INCIDENTAL HOSPITAL EXPENSES
We will reimburse you up to $100 per full day
for incidental non-medical necessities after the third day of
your hospitalisation
as a result of an illness or injury up to a maximum
of $3,000.
- ON-GOING MEDICAL EXPENSES
We will reimburse you up to $1,500 for your
reasonable on-going medical expenses incurred within 12 months of your
return to New Zealand if you suffer an illness
or injury outside New Zealand.
- PREGNANCY
We will pay up to the amount shown in the schedule of benefits
for the plan selected for emergency treatment for extraordinary
medical complications occurring during the first 20 weeks of your
pregnancy. We will only pay costs incurred within 12 months of
the occurrence.
- TERRORISM
This section is extended to cover illness or injury
caused by any act of terrorism up to the amount shown in the schedule
of benefits for the plan selected or $250,000 per person (whichever
is less).The maximum payable under all sections of all policies underwritten by
us, for any one act of terrorism shall be $5,000,000.
This means that claims will be proportionally assessed in relation to all claims
received by us.
Section 2 – Personal baggage
What you are covered for: Sudden and unforeseen accidental physical loss or damage to your personal baggage. We will pay the present day value up to the amount shown in the schedule of benefits for the plan you have selected, with a limit of $1,500 per item or $2,500 for video cameras, unless shown in the certificate of insurance. In all cases an item, pair, or set of articles e.g. a camera with attached or unattached lenses or accessories shall be deemed to be one item.
What special benefits you are covered for:
- EMERGENCY PURCHASES
We will reimburse
you
up to $500 for emergency purchases of essential
items of clothing and requisites, should
you be deprived of your personal baggage
for at least 12 hours from the time of arrival at your overseas
destination. If you are deprived of your personal baggage
for a further 72 hours, we will reimburse a further $500 for
your additional costs.
- PASSPORTS
We will reimburse you the reasonable replacement
costs if you suffer the loss of your passport.
Section 3 - Loss of deposits and cancellation
What you are covered for:
Abandonment or alteration of your journey due to any unexpected event outside your control.
We will pay up to the amount shown in the schedule of benefits for the plan selected, for your irrecoverable travel or accommodation deposits or expenses paid in advance in New Zealand, and once the journey has commenced, any additional expenses you are required to pay.
What special benefits you are covered for:
- CURTAILMENT
We will pay up to the amount shown in the schedule of benefits for the plan selected, less any refund of your cancelled return ticket, for the reasonable additional accommodation and travel expenses incurred by you in returning directly to New Zealand due to the curtailment of your travel resulting from any unexpected events outside your control. Provided that you purchased a return ticket to New Zealand before your departure.
- RESUMPTION OF TRAVEL
We will pay up to $5,000 for the economy class transport costs to enable you to return overseas to continue your original travel arrangements within 12 months of an occurrence. Provided you have returned to New Zealand, as a result of a life threatening illness, injury or death of your spouse, defacto, children, grandparents, mother, father, sister, or brother in New Zealand and:
- your policy duration was at least 14 days;
- less than 50% of your policy duration has been used;
- the illness, injury or death was unexpected and first occurred after your departure from New Zealand;
- you have not otherwise claimed for cancellation or curtailment for the same event;
- a pre-paid return ticket had been purchased before departure from New Zealand.
Section 4 - Rental vehicle insurance excess
What you are covered for:
Any insurance excess you are required to pay in the event of a claim under your rental vehicle hire contract.
We will reimburse you up to $2,000. In all cases:
- the vehicle must be hired from a licensed rental vehicle agency;
- you must comply with the conditions of your rental vehicle hire contract.
Section 5 – Accidental death and permanent disablement
What you are covered for:
Injury suffered outside New Zealand during the period of insurance, which causes accidental death or permanent disablement within 12 months of the injury.
We will pay you or your estate a maximum of $50,000. If you have taken the family plan option the total we will pay shall not exceed that payable for any two persons.
In all cases:
- we will not pay any benefit if you are under the age of 16 years or over 80 years;
- in the event of death a death certificate and post mortem must be produced.
What special benefit you are covered for:
- TERRORISM
This section is extended to cover accidental death or permanent disablement
caused by any act of terrorism. We will
pay you or your estate $25,000. The most we
will pay under any one policy is $50,000. The maximum payable under all sections
of all policies underwritten by us, for any one act of terrorism
shall be $5,000,000. This means that claims will be proportionally assessed in relation
to all claims received by us.
Section 6 - Money & travel documents
What you are covered for:
Loss from your person, locked accommodation or locked vehicle of
your cash, travellers cheques, postal notes, credit cards, money
orders, petrol coupons, travel tickets, or vouchers for pre-paid travel or accommodation.
We will pay up to the amount shown in the schedule of benefits
for the plan selected.
Section 7 - Travel delay or missed connection
What you are covered for:
Irrecoverable additional travel costs necessarily incurred on a regular airline or established charter service to reach your ticketed destination.
We will reimburse you up to the amount shown in the schedule of benefits for the plan selected, provided that the airline with which you are travelling is delayed at least six hours and causes you to miss your onward connecting flight.
In all cases:
-
you must supply written confirmation from the carrier for the length and reason for any delay and that no alternative flight was available at the time;
- the period of delay will be calculated from the published departure time;
- you must have booked and paid for tickets prior to leaving New Zealand;
- you must check in according to your itinerary;
- you must provide receipts for all additional expenses.
What special benefits you are covered for:
- MEALS AND ACCOMMODATION
We will reimburse you up to the amount shown in
the schedule of benefits for the plan selected for your reasonable
additional meal and accommodation costs if your flight is delayed
for at least six hours.
Section 8 - Strikes and hi-jacks
What you are covered for:
Irrecoverable additional travel and accommodation costs due to the cancellation or curtailment of public transport services as a result of a strike or hi-jack.
We will reimburse you up to the amount shown in
the schedule of benefits for the plan selected.
Section 9 –Liability protection
What you are covered for:
Legal liability for loss or damage to property including injury, death or illness arising from accidents occurring during the period of insurance.
We will pay up to the amount shown in the schedule of benefits for the plan selected, provided such legal liability is established in a New Zealand court or in the court of the country in which the accident occurred.
What special benefits you are covered for
- LEGAL COSTS
We will pay up to $500,000 for all costs incurred by you with our consent in defending claims.
- WRONGFUL ARREST
We will pay up to $2,500 in reimbursement for your
legal costs as the direct result of your false arrest or wrongful
detention by any government or government agency.
Section 10 - Pre-existing conditions extension
What you are covered for:
If the Medical Hotline have agreed to your request this policy is extended to include cover for your physical defect, infirmity, existing or recurring illness, injury or disability that is noted as being accepted on their letter of confirmation.
Important policy exclusion:
Pandemic Exclusion
This policy does not cover any liability, loss, cost or expense arising out of, resulting from, caused or contributed to by influenza or any other virus or disease that is declared to be an outbreak or epidemic by the World Health Organisation, or any Government or ruling body of a country in which the outbreak or epidemic has occurred in.
Important note: The information is a summary only of our policy. Please refer to our policy wording for details.