Seniors Travel Insurance

• What Are The Benefits Of Having Travel Insurance For My Trip? 

• When you travel it's all about the new and unknown which unfortunately means you never know what could go wrong. Things like medical emergencies while overseas could cost $50,000+, and then there's lost luggage, stolen belongings and delayed flights which are more expenses on top of an already costly holiday.
  Travel is unpredictable and travel insurance is there to help provide you peace of mind that when the unexpected happens, we'll be there to help out. We advise you to read the Product Disclosure Statement to make sure this product is right for you. If you have any questions please call our friendly call centre on 0800 000 333.

• I'm Going On A Cruise Around New zealand, What Travel Insurance Do I Need?

• Once you're out on open water, this is classed as overseas and as such you will not be covered by the public health system. You will need to select our Cruise Pack add-on, selecting the New Zealand Cruise region. This add-on is available with Comprehensive policies. This ensures you are covered for full medical coverage whilst on board, as well as cancellations, missed departures, lost luggage, and more.

• Can I Apply To Extend My Travel Insurance Policy?

• Yes. You must extend your policy before it expires (11.59pm NZST/NZDT). To extend your policy, you simply need to call the call centre on 0800 000 333, email us at [email protected] or speak to a call centre representative via online chat. One of our trained travel insurance specialists will assist you in the policy extension. You'll be issued with a quote for the policy extension period. And you'll need to process a payment for this extended period. Please note there may be instances where a policy extension is not available

• What Is A Pre-Existing Medical Condition?

• A pre existing medical condition(s) is:
  Any medical or physical condition, defect, disease or illness including any mental illness, of which you were aware or should reasonably have been aware, or for which treatment, medication, preventative medication, advice, preventative advice or investigation have been received or prescribed by a medical or dental adviser in the 90 days prior to the relevant time; or Any condition that involves your heart, brain, circulatory system/blood vessels, your lung or respiratory conditions or any type of cancer that has been investigated or treated by a health professional prior to the relevant time; or Any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease of which you were aware or should reasonably have been aware, and which is medically documented or under investigation prior to the relevant time; or Any condition for which you have undergone surgery in the past 12 months; or Pregnancy that is not automatically covered by the Pregnancy section of the PDS. Any of the above conditions which are subject of an investigation, even if the condition has not been diagnosed. Relevant time in respect of: Single trip policies means the time of issue of the policy. Frequent Traveller policies means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last. This above definition applies to you, your travelling companion, and a relative or any other person.
   
  We treat pre existing medical condition(s) in one of two ways: Automatically covered; Medical Assessment.  Any medical or physical condition, defect, disease or illness including any mental illness, of which you were aware or should reasonably have been aware, or for which treatment, medication, preventative medication, advice, preventative advice or investigation have been received or prescribed by a medical or dental adviser in the 90 days prior to the relevant time; or Any condition that involves your heart, brain, circulatory system/blood vessels, your lung or respiratory conditions or any type of cancer that has been investigated or treated by a health professional prior to the relevant time; or Any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease of which you were aware or should reasonably have been aware, and which is medically documented or under investigation prior to the relevant time; or Any condition for which you have undergone surgery in the past 12 months; or Pregnancy that is not automatically covered by the Pregnancy section of the PDS. Any of the above conditions which are subject of an investigation, even if the condition has not been diagnosed. Relevant time in respect of: Single trip policies means the time of issue of the policy. Frequent Traveller policies means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last. This above definition applies to you, your travelling companion, and a relative or any other person.
   
  We treat pre existing medical condition(s) in one of two ways: Automatically covered; Medical Assessment. 

• What Pre-Existing Medical Conditions Cannot Be Covered?

• We regret that we if you have any of the excluded pre-existing medical conditions listed below, you have no cover under the following sections of the policy and you cannot apply for cover for them:
  Overseas Emergency Medical Assistance
  Overseas Emergency Medical & Hospital Expenses (Including Dental Expenses)
  Additional Accommodation & Travel Expense
  Emergency Companion Cover  
  Hospital Cash Allowance
  Cancellation Fees & Lost Deposits Section
  Disruption of Journey
  
  The excluded pre-existing medical conditions are:
  a) you have been given a terminal or palliative prognosis for any condition with a shortened life expectancy;
  b) you require home oxygen therapy or will require oxygen for the journey (including in flight);
  c) you have chronic renal failure treated by haemodialysis or peritoneal dialysis;
  d) you have an AIDS defining illness or any condition or treatment causing you immunosuppression;
  e) or you have had, or are on a waiting list for an organ transplant.

• If I Am Having A Stopover Outside My Selected Country Will I Be Covered?

• When you apply for the Policy you need to tell us where you are travelling to. The premium you pay for the Policy depends on your destination/s. The Policy only covers loss injury or illness which occurs in the countries you have told us you will visit; however all stopovers of up to 2 nights in countries other than the USA are also covered.
  NB. We’ll cover you for stopovers in the USA if you also nominate USA as a destination when you apply for cover.
  Cruises: If you’re going on a cruise, you must tell us every country the ship will visit. You will not be covered in countries you have not told us about.
  Travellers on domestic cruises in Australian waters may also purchase a Comprehensive plan (selecting Australia Cruise region) to ensure cover is available for emergency medical assistance and emergency medical and hospital expenses, additional accommodation and travel expenses, family emergency, emergency companion cover and cancellation fees and lost deposits..

• What Happens If I Come Home Early?

• Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.

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