New Zealand Travel Insurance - Comprehensive Inbound
Travelling to New Zealand and/or Australia? Have you booked your travel insurance?
Comprehensive Travel Insurance's Inbound Policies are available to all
overseas clients and anyone visiting New Zealand and Australia from overseas. While this is a New Zealand Travel Insurance policy it also provides full cover in Australia.
| Medical and Other Expenses |
Unlimited |
$5,000,000 |
| Follow on Medical Treatment |
$2,000 |
$500 |
| Accompanying Person |
Reasonable Costs |
Reasonable Costs |
| Incidental Hospital Expenses |
$2000 |
- |
| Funeral Expenses |
$15,000 |
$12,000 |
| Dental Treatment |
$750 |
$250 |
| Loss of Deposits/Cancellation |
$100,000 |
$10,000 |
| Curtailment |
$100,000 |
$10,000 |
| Travel Delay / Missed Connection |
Reasonable Costs |
- |
| Strikes & Hijacks |
$10,000 |
- |
| Resumption of Travel |
$2,500 |
- |
| Personal Baggage-Total Limit |
$10,000 |
$3,000 |
| Personal Baggage-per item limit |
$1,000 |
$300 |
| Emergency Baggage |
$500 |
- |
| Camera Equipment |
$1,000 |
$300 |
| Money |
$250 |
$250 |
| Travel Documents |
$500 |
$500 |
| Rental Vehicle Excess |
$1,000 |
- |
| Accidental Death |
$10,000 |
- |
| Travel Accident |
$10,000 |
- |
| Permanent Disablement |
$10,000 |
- |
| Personal Liability |
$1,000,000 |
$500,000 |
| Wrongful Arrest |
$3000 |
- |
| Search & Rescue - Natural Disaster |
$5000 |
- |
$75 excess will apply
(per individual,per event) |
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Inbound Travel Insurance Policy
There are two inbound policies available from Experience New Zealand
Travel and Comprehensive. The adjacent table provides a summary of the differences between the two travel insurance policies.
Policy Features
- Specifically designed to cover overseas residents travelling within New Zealand and Australia.
- Includes the option of medical repatriation.
- Free cover for dependant children under 21 years old (limit 2 per adult).
- Loss of deposit or cancellation cover starts as soon as you pay for your policy.
The Policy covers things such as:
- Rental Vehicle excess payable as a result of vehicle damage or theft
- Hospital expenses and medical evacuation back to your home country
- Cancellation of tours and pre-booked activities
- Travel delays and missed connections
- Damage to personal items (e.g. digital cameras & laptops)
- Lost or stolen money and passports
- Not available to individuals over the age of 80 years.
- Free coverage for up to 2 children under 21 travelling with their parents
Important Notes
- Pre-existing medical conditions are not covered.
- Expensive items such as jewellery, watches and cameras above the plan item limit can be covered. An applied premium of 1.5% of the total value of item(s) will apply
- Rental vehicle excess on Tourists Plus can be extended to $4,000 for an additional premium of $10 per day
- This policy has been specifically designed for overseas residents travelling within New Zealand and Australia. The Travel Insurance allows for up to 6 days in total in transit to and from your country of residence and includes medical repatriation.
- This policy is not available to New Zealand Residents.
Inbound Travel Insurance Policy Premiums
The premiums listed in the table below are only a selection from the full premiums schedule. Reduced premiums apply for residents of countries outside Europe, North America, and Japan.
| 3 Days |
$59 (US $40) |
$50 (US $34) |
| 8 Days |
$79 (US $54) |
$60 (US $40) |
| 21 Days |
$125 (US $85) |
$84 (US $57) |
| 31 Days |
$145 (US $99) |
$106 (US $72) |
| 6 Months |
$435 (US $297) |
$286 (US $195) |
| Premiums are quoted in NZD and are inclusive of GST with approximate USD Conversions |
Premiums listed are per person up to an age limit of 70 years.
For travellers over 70 years of age and under 81, a 50% loading applies to the premiums. |
More Information/FAQs
Why Are Comprehensive's Travel Insurance Inbound Policies Cheaper than those in your country?
Because medical and legal costs are cheaper in New Zealand and
Australia than in many other countries, these inbound policies do not
need to subsidise the higher costs of insurance cover in those
countries. Specified Items
You can choose to extend your policy to cover your expensive items such
as jewellery, watches, cameras etc. A video camera up to $2,500 is
automatically covered and does not need to be specified. For specified
items, we will require a copy of your purchase receipt or a valuation
certificate dated prior to the start of your policy. An additional
premium of 1.5% of the total value of the item(s) will be charged
(maximim $20,000).
Rental Car Excess Cover
If you hire a vehicle whilst overseas you have the option to increase
the rental vehicle excess from $1,000 to $4,000 for an additional
premium of $10.00 per rental car hire day.
Further Insurance
Should you require further insurance whilst still overseas, please
apply by contacting either your agent or Comprehensive Travel Insurance
before your original policy expires. Conditions may apply.
History and Underwriter
Comprehensive Travel Insurance commenced operation in 1973 marketing a
range of travel insurance products. Together with their underwriter,
Vero, they offer excellence in both product and service to travellers
worldwide.
Standard & Poor's (Australia) Pty Ltd Claim Rating
Vero Limited has an A (Good) claims rating given by Standard & Poor's (Australia) Pty Ltd as at 22 May 2003.
Guarantee
Comprehensive Travel Insurance guarantees: to refund the unused portion
of your premium if you are not satisfied with this policy and wish to
cancel before commencing your travel; to give you immediate assistance
for any emergency worldwide; to appoint an experienced New Zealand Doctor to
liaise with you and your attending doctors overseas in a serious
medical emergency; if you have a claim guarantees to respond to you or
send the claim settlement within 7 working days on receipt of all the
necessary documents.
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