ANZ PREMIUM CARD OVERSEAS TRAVEL INSURANCE

POLICY WORDING

EFFECTIVE 1 JULY 2023

ANZ PREMIUM CARD

OVERSEAS TRAVEL

INSURANCE

IMPORTANT PHONE NUMBERS

ANZ Premium Credit Card

For account enquiries and lost or stolen cards within

NewZealand call 0800 658 044 or outside NewZealand

call +64 9 522 3010.

ANZ Premium Card Overseas Travel Insurance

General Policy Enquiries

If You have general enquiries, please call one of the

Allianz Partners Customer Care Team on 0800 499 666

between 8.30am and 5pm Monday to Friday.

Emergency Assistance

If You are overseas and require emergency assistance,

please call Allianz Partners Emergency Assistance.

Skilledprofessionals are available 24 hours 7 days a week.

Call collect on +61 7 3305 7194.

Claim Enquiries

Please call one of the Allianz Partners Claims Consultants on

0800 499 666 between 8.30am and 5pm Monday to Friday or

email us at anzcardclaims@allianz-assistance.co.nz

CONTENTS

Important Matters 3

Denitions

Schedule of Benets 22

Pre-existing Medical Conditions 23

Medical, cancellation and travel disruption

cover for ages75 and above 24

General Exclusions 25

Section 1 Cancellation and Travel Disruption Benets 31

Section 2 Medical Benets 37

Section 3

Life Benets 40

Section 4 Baggage, Money and Travel Documents 42

Section 5 Rental Vehicle Excess 46

Section 6

Personal Liability 47

Section 7 Kidnap and Ransom 48

Section 8 Transport Accident Insurance 49

Claims 51

IMPORT

ANT MATTERS

As an ANZ Premium Cardholder, You and Your Family receive

comprehensive Overseas Travel Insurance. As long as You

meet the criteria for eligibility and You qualify for cover as

expressly described in this document, Your cover will be

automatically provided when You travel overseas.

ANZ Premium Card Overseas Travel Insurance is issued and

managed by AWP Services New Zealand Limited trading

as Allianz Partners, Level 3, 1 Byron Avenue, Takapuna,

Auckland 0622 and underwritten by The Hollard Insurance

Company Pty Ltd ABN 78 090 584 473 (Incorporated in

Australia), (“Hollard”), (referred to as “Us”, “We” or “Our”).

This document is Our ANZ Premium Card Overseas Travel

Insurance policy wording. This policy wording sets out the

cover available and the terms and conditions which apply.

You need to read it carefully to make sure You understand it

and that it meets Your needs.

We provide the cover specified in this policy wording subject

to its terms, conditions, limits, sub-limits and exclusions.

Youneed to decide if the benefit limits, type and level of

cover are appropriate for You and will cover Your potential

loss.

This policy wording, together with any written document

Wetell You forms part of Your policy, makes up Your insurance

policy. Please retain these documents in a safeplace.

This policy has been arranged for You by ANZ and is available

to You as part of Your ANZ Premium Card. No member of ANZ

and its related companies, or any other person guarantees

Allianz Partners, Hollard or any of the products issued by them.

This policy wording is eective from 1 July 2023 and

supersedes any previous policy documentation issued

to You in relation to the ANZ Premium Card Overseas

Travel Insurance.

Eligibility for cover

You can check Your eligibility for cover here:

checkyourcover.co.nz

Who is eligible for this cover?

You are eligible for this policy if You meet the following criteria.

You ordinarily reside in New Zealand and:

a) You are an ANZ Premium Cardholder at the time You book

Your travel and for the entire duration of the relevant

Journey; and

b) You qualify for cover because You have booked Your travel

in one of the ways described under the heading How You

can activate this insurance policy for Your travel; and

c) You are a New Zealand Citizen or Resident; and

d) You hold a return travel ticket for Your travel before You

depart New Zealand that shows a return date within the

applicable day limit. Please refer to Maximum duration

ofcover.

If requested by Us, You will need to prove Your eligibility for

this policy by providing Us with documentation including but

not limited to copies of Your passport or residency visa, Your

travel booking receipts and documents relating to Your ANZ

Premium Card account.

How You can activate this insurance policy for Your travel

You can check if You qualify for cover here:

checkyourcover.co.nz

To have cover under this policy, You must purchase at

least50% of Your pre-paid travel expenses on Your ANZ

Premium Card.

Additionally, You can activate this policy for Your travel if

Yourtravel is booked in the following ways:

a) In cases where Your ANZ Premium Card is not an accepted

method of payment, or there will be an additional charge

for using Your ANZ Premium Card (e.g. a surcharge),

You may purchase at least 50% of Your pre-paid travel

expenses using any of Your other ANZaccounts.

b) If You are booking Your trip using points from a loyalty

scheme, You can pay for at least 50% of Your prepaid

accommodation or other travel itinerary items using

YourANZ Premium Card.

If You have no prepaid travel expenses such as airfares

or accommodation because the trip was gifted, won or

purchased for You, and provided that Your trip is not a

business trip paid for by Your employer or business, cover

under this policy is still available to You. Please call Our

Customer Care Team on 0800 499 666 between 8.30am and

5pm Monday to Friday.

Your pre-paid travel expenses include, but are not limited to:

• Air tickets, other transport tickets, accommodation, car

rental, pre-paid tours, cruises, taxes and any other pre-paid

travel costs

In the event of a claim, You must provide Us with proof that

You qualify for cover under this policy.

Important information about this cover

Your Period of Insurance will never commence earlier than

12 calendar months prior to the start date of Your Journey.

If the total period of Your intended travel exceeds the

maximum duration of cover stated in this policy wording then

You do not qualify for any cover at all under this policy. You

may apply to Us to extend the maximum duration of cover.

Refer to the heading Extending the maximum duration of

cover.

Maximum duration of cover

The maximum period of cover available for each Journey

covered under this policy is 90 consecutive days. If Your

Journey is more than 90 days long, You do not qualify for any

cover under this policy, even within the rst 90 days of Your

travel.

If You will be travelling for more than 90 days and You still want

to have cover under this policy, please refer to Extending the

maximum duration of cover.

Extending the maximum duration of cover

In all cases, extensions to the maximum duration of cover are

issued at Our discretion.

If You are travelling for more than 90 consecutive days and You

want to have cover under this policy, You may apply for cover

for the full duration of Your travel provided that:

a) You have not yet commenced Your Journey; and

b) the total period of Your intended travel (including the rst

90 days) does not exceed 180 days.

Cover for the full duration of Your travel is subject to Our

written approval and Your payment of any applicable

premium for the additional days.

If We agree to cover the full duration of Your travel, Your cover

under this policy will start when You pay Us the applicable

premium and We issue You with a Certicate of Insurance.

If You already purchased Your trip and qualied for cover in

one of the ways expressly set out in this policy wording and

You later decide You will travel for longer than 90 days, the

following additional conditions apply to You:

c) Your cover will not automatically be extended for events

which have arisen between the start date of Your Period

of Insurance and the date You contact Us to apply for

cover for the additional days.

This includes any new illnesses, injuries or medical signs

and symptoms You have experienced during this time.

However, cover may be available to You following

a medical assessment and payment of any applicable

premium.

d) If You have already obtained cover for Your Pre-existing

Medical Condition(s) and You contact Us later to extend

the maximum duration of cover, this may change the

outcome of Your existing medical assessment.

Extensions to cover under this policy are issued at Our

discretion and subject to Our written approval. If We agree to

extend Your cover, You must pay Us an additional premium

which will be charged to Your ANZ Premium Card.

To apply to extend Your cover, please call Our Customer Care

Team on 0800 499 666.

Automatic extension of the Period of Insurance

If during Your Period of Insurance, You are prevented from

returning to New Zealand as originally intended for either of

the following reasons:

a) a Registered Medical Practitioner advises You against

travelling due to an illness or Injury You have experienced

during Your Journey; or

b) there is an unexpected delay to any scheduled Public

Transport in which You were due to travel as a ticket

holding passenger which results in Your homeward

journey not being completed during Your Period of

Insurance,

this policy is extended by up to six months to allow You to

complete Your Journey by the next reasonably available

transportation.

When cover starts and ends

Cover under Section 1.1 (Cancellation of Journey)

commences:

a) 12 calendar months prior to the start date of Your Journey;

b) on the date You purchase Your trip and qualify for cover in

one of the ways expressly set out in this policy wording

whichever happens later.

Cover under all other sections of this policy commences on

the date You commence Your Journey.

Cover ends:

a) at 11:59pm NZST on the 90

consecutive day following

the date You commenced Your travel, or if applicable,

11:59pm NZST on the date We have agreed in writing if

You have extended Your maximum duration of cover; or

b) on the date You return to Your Home directly following

YourJourney; or

c) on the day You arrive at a medical facility in New

Zealand for further care if You end Your Journey due to a

medicalreason

whichever happens rst.

Please refer to the policy denition of Period of Insurance. You

do not have cover under any section of this policy unless You

hold an active and valid ANZ Premium Card account at the

time You book Your travel and for the entire duration of Your

Period of Insurance.

What we will pay

Provided that You meet the eligibility criteria and You

have activated Your cover, We agree to indemnify You in

the manner and to the extent set out in this document.

This document and any written conrmation issued by Us

extending or limiting cover form Your insurance policy.

We will pay claims up to the Maximum Benet amounts

shown in the Schedule of Benets.

Please read this policy wording carefully and note the

exclusions in each section along with the General Exclusions

to ensure that You understand the cover provided by Us.

IfYou need any clarication on Your cover or the

policy wording please call Our Customer Care Team on

0800 499 666.

How benet limits and sub-limits are applied

The policy limits apply per Insured Adult and are stated in New

Zealand Dollars. Where referred to in this policy, Insured Adult

means the ANZ Premium Cardholder and the ANZ Premium

Cardholder’s spouse, de facto partner or civil union partner who

is travelling with the ANZ Premium Cardholder on the Journey

who qualify for cover under this policy for the relevant Journey.

Policy benets for Dependent Children will be shared within

the policy limits of the Insured Adult(s) unless expressly stated

otherwise in this policy wording.

For example, the maximum total limit per Insured Adult for

personal baggage is $30,000. If an Insured Adult is travelling

with two Dependent Children, the maximum amount

claimable for all is $30,000.

If two Insured Adults are travelling with two Dependent

Children the maximum amount claimable for personal

baggage will be$60,000.

Excess

An excess of $200 will be deducted from Our settlement if

Youmake a claim under the following sections:

a) Section 1.2 Additional Expenses;

b) Section 2.1 Medical Expenses;

c) Section 4 Baggage, Money and TravelDocuments.

The excess applies to each separate event giving rise to aclaim.

Pre-existing Medical Conditions

Pre-existing Medical Conditions are excluded under this

policy. Cover for Pre-existing Medical Conditions may be

available for a premium following a medical assessment.

The medical assessment must be completed prior to Your

Journey commencing.

If You have any queries on this, please call Our Customer Care

Team on 0800 499 666.

Emergency Assistance

If during Your Journey You are to be hospitalised, require

evacuation or repatriation services, need to make alternative

travel or accommodation arrangements or have lost Your

Personal Baggage or Personal Money, please notify Us as soon

as possible.

We provide Our customers with easy access to Our 24 hour,

seven days a week emergency assistance service.

A phone call will put You directly in touch with a medical or

travel specialist who will be able to assist You and conrm

cover available under Your policy. You will be advised of

any steps You will need to follow in claiming under Your

policy. You can call collect from anywhere in the world for

emergency medical and travel assistance:

Reverse charge call through telephone operator:

+61 7 3305 7194.

Refund policy

In some cases You may pay Us a premium for additional

coverage.

If You decide that You do not want the additional coverage

You have paid for, You may cancel it within 14 days after You

paid Us the premium.

You will be given a full refund of the premium You paid,

provided You have not started Your Journey or You do not

want to make a claim or to exercise any other right under

Yourpolicy.

After this period You can still cancel the cover but We will not

refund any part of Your premium if You do.

Correctness of statements and fraud

If any claim under this policy is in any respect fraudulent, or if

any false declaration is made or false or incorrect information

is used in support of any claim, then We can, at Our sole

discretion, not pay Your claim and cancel Your cover under

this policy from the date that the incorrect statement or

fraudulent claim was made.

Duty of disclosure

By activating this insurance policy, You have a duty at law, to

disclose to Us all material facts. A material fact is one that may

inuence a prudent insurer in deciding whether or not to

accept the cover and, if so, on what terms and conditions and

for what premium.

Examples of information You may need to disclose include:

• anything that increases the risk of an insurance claim;

• any criminal conviction subject to the Criminal Records

(Clean Slate) Act 2004;

• if another insurer has cancelled or refused to insure or

renew insurance, has imposed special terms, or refused

anyclaim;

• any insurance claim or loss made or suered in the past.

These examples are a guide only. If there is any doubt as

to whether any particular piece of information needs to be

disclosed, this should be referred to Us.

If You fail to comply with Your duty of disclosure it may

resultin:

• this policy being avoided retrospectively with the eect

that the policy never existed;

• this policy being cancelled;

• the amount We pay if You make a claim being reduced; or

• Us refusing to pay a claim.

Change of circumstances

During the Period of Insurance, You must tell Us immediately

of any material change in the circumstances surrounding the

subject matter of this insurance policy that:

• increases the risk We are insuring, or

• alters the nature of the risk We are insuring.

Once You have told Us, We may immediately change the

terms of this policy or cancel it. If You fail to tell Us, We may

apply these changes retrospectively from the date You ought

to have reasonably told Us.

Amendments to the terms and conditions

We may amend the terms and conditions of this insurance

policy at any time. If We do so, ANZ will give You 14 days

written notice of the amendment via email or to Your last

known address.

Cancellation

ANZ may cancel this policy at any time and provide You

with 30 days written notice via email or to Your last known

address. If Your ANZ Premium Card account is cancelled by

either You or ANZ, Your cover will cease immediately. If You are

travelling on Your Journey at the time the policy is cancelled

by ANZ, cover will continue to be in place for coverable events

occurring during Your Journey.

Jurisdiction and choice of law

This insurance is governed by and construed in accordance

with the laws of New Zealand and You agree to submit to the

exclusive jurisdiction of the courts of New Zealand. You agree

that it is Your intention that this Jurisdiction and choice of law

clause applies.

Sanctions regulations

Notwithstanding anything contained in this policy wording

We will not provide cover nor will We make any payment or

provide any service or benet to any person or party where

providing such cover, payment, service or benet would

expose Us to or violate any applicable trade or economic

sanction or any law or regulation.

Fair Insurance Code

Hollard is a member of the Insurance Council of New Zealand

and adheres to the Fair Insurance Code, which provides

You with assurance that We have high standards of service

to Our customers. A copy of the Fair Insurance Code is

available from the Insurance Council of New Zealand website:

icnz.org.nz/fair-insurance-code

Dispute Resolution Process

If You have a complaint or dispute in relation to this insurance,

or the services of Allianz Partners or its representatives, please

call Us on 0800 499 666 or put the complaint in writing and

send it to The Dispute Resolution Department, POBox33–313,

Takapuna, Auckland 0740, New Zealand, or email Your

complaint to [email protected].nz

Allianz Partners will attempt to resolve the matter in

accordance with its Internal Dispute Resolution procedure.

We are registered by law with an independent, external

dispute resolution scheme. To obtain a copy of Our External

Dispute Resolution process, please contact Us.

Privacy Notice

To arrange and manage your insurance and provide you

with our services, we (in this Privacy Notice “we”, “our” and “us”

means AWP Services New Zealand Limited trading as Allianz

Partners of Level 3, 1 Byron Avenue, Takapuna, Auckland 0622,

and our agents) collect, store, use and disclose your personal

information including sensitive information. We usually collect

it directly from you but also from others (including those

authorised by you such as your family members, travelling

companions, your doctors, hospitals, and other persons

whom we consider necessary including our agents). We are

the “data controller” and are responsible for ensuring your

personal information is used and protected in accordance

with applicable laws and regulations. Personal information

we collect includes, for example, your name, address, date

of birth, phone number, email address, medical information,

passport details, bank account details, as well as other

information we collect when you visit our website such as

your IP address and online preferences.

Any personal information provided to us is used by us and

our agents to evaluate and arrange your insurance. We also

use it to administer and provide the insurance services and

manage your and our rights and obligations in relation to

the insurance services, including managing, processing,

investigating claims and screening to comply with economic

sanctions obligations. We may also collect, use and disclose

it for product development, marketing (where permitted by

law or with your consent), customer data analytics, research,

IT systems maintenance and development, recovery against

third parties, fraud investigations and for other purposes with

your consent or where authorised by law. We do not use

sensitive information for marketing purposes or provide that

information to any third parties for marketing.

You authorise us to disclose your personal information to

recipients including third parties (some of whom are data

processors) in New Zealand and overseas involved in the

above processes, such as travel consultants, travel insurance

providers and intermediaries, agents, distributors, reinsurers,

claims handlers and investigators, cost containment providers,

medical and health service providers, overseas data storage

(including “cloud storage”) and data handling providers,

transportation providers, legal and other professional advisers,

your agents, broker and travelling companions, your travel

group leader if you travel in a group, your employer if you

have a corporate travel policy, your bank if you have bank

credit card insurance, the Insurance Claims Register and our

related and group companies and Hollard. Some of these

third parties may be located in other countries including

in Australia, Europe, Asia, Canada or the USA. We will use

reasonable endeavours to ensure people we disclose your

personal information to outside New Zealand are required

to protect it in a way that provides comparable safeguards

to those set out under New Zealand privacy law, such as via

contractual data protection obligations, our group binding

corporate rules or because they are subject to laws of

another country with comparable protections. However, you

acknowledge that sometimes overseas recipients of your

personal information may not be required to protect it in a

way that provides comparable safeguards to those provided

under the New Zealand privacy law.

Where permitted by law or with your consent, we may contact

you with oers of products or services (from us, our related

companies, as well as oers from our business partners)

that we consider may be relevant and of interest to you

(including insurance products). This could be via telephone,

post, electronic messages (including email) online or via other

means. You can withdraw your consent at any time if you no

longer wish to receive marketing material or promotional

oers from us or our related companies and business partners

by calling our Contact Centre on 0800 499 666.

The collection of information is required pursuant to the

common law duty to disclose all material facts relevant to the

insurance sought and is mandatory. If you do not agree with

the matters set out in our privacy notice or will not provide

us with personal information, we may not be able to provide

you with our services or products, process your application,

issue you with a policy or process your claims. We will not

retain your personal data for longer than is necessary for the

purposes for which it may be lawfully used.

You can: (1) seek access to your personal data and ask about

its origin, the purposes of the processing, and details of the

data controller or data processor and the parties to whom

it may be disclosed; (2) correct and update your personal

information (subject to the provisions of applicable privacy

legislation), and (3) ask for a copy of your personal data in an

electronic format for yourself or for someone you nominate.

You may in some circumstances restrict the processing of your

personal data, and request that it be deleted.

Where your personal information is used or processed with your

specic consent as the sole basis for processing (rather than on

a contractual basis or legitimate interest), you may withdraw

your consent at any time. In cases where we cannot comply

with your request concerning your personal information,

we will give you reasons why. You may not access or correct

personal information of others unless you have been authorised

by their express consent or are otherwise permitted by law.

When you provide personal information to us about other

individuals, we rely on you to have rst obtained each of

those individuals’ consent, and have made them aware of the

matters set out in this Privacy Notice.

If you have a request or complaint concerning your personal

information or about this Privacy Notice, please contact: Privacy

Ocer, Allianz Partners, P.O. Box 33-313, Takapuna, Auckland

0740 or email us at [email protected].

For urgent assistance please call our Contact Centre on 0800

499 666. You can also contact the Privacy Commissioner at

the Oce of the Privacy Commissioner, P.O. Box 10 094, The

Terrace, Wellington 6143 if you have a complaint.

For more information about our corporate privacy policy and

handling of personal information, including further details

about access, correction and complaints, please visit our

website at www.allianzpartners.co.nz and click on the Privacy

Policy link.

Privacy Act and the Insurance Claims Register (ICR)

The ICR is a database of insurance claims to which participant

insurers have access. The purpose of the ICR is to prevent

insurance fraud. The ICR is operated by Insurance Claims

issued to You on the condition that You authorise Us to place

details of any claims made against this policy on the database

of ICR Ltd, where they will be retained and be available for

other insurance companies to inspect.

You also authorise Us to obtain from the ICR personal

information about You that is (in Our view) relevant to this

policy or any claim made against it. You have certain rights

of access to and correction of this information, subject to the

provisions of applicable privacy legislation.

DEFINITIONS

Words and phrases, and any form of the words and phrases

listed in this Denitions section have a special meaning when

used in this policy. Headings are for reference only and do not

aect interpretation.

Accident means any sudden and unexpected external

physical force which occurs while You are on a Trip.

Allianz Partners means AWP Services New Zealand Limited

trading as Allianz Partners, Level 3, 1 Byron Avenue, Takapuna,

Auckland 0622.

ANZ means ANZ Bank New Zealand Limited.

ANZ Premium Card means a current and valid ANZ Airpoints

Visa Platinum Card account issued by ANZ (including

additional cards of that ANZPremium Card account) that is

eligible for this travel insurance.

ANZ Premium Cardholder means an ANZ customer who

has been issued with a valid ANZ Premium Card (including

additional cards of an ANZ Premium Card account), which

is current at the time the Injury, sickness, loss or damage

rstoccurs.

Close Relative means Your spouse, de facto partner, civil

union partner, ancé(e), parent, parent-in-law, step parent,

child, step child, foster child, son and daughter- in-law,

sibling, brother and sister-in-law, half or step brother or sister,

grandparent, or grandchild.

Complications means any secondary diagnosis, occurring

prior to, during the course of, concurrent with, or as a result

of, pregnancy which may adversely aect the pregnancy

outcome, or, in relation to any Pre-existing Medical Condition.

Computer System means any computer, hardware, software,

or communication system or electronic device (including but

not limited to smart phone, laptop, tablet, wearable device),

server, cloud, microcontroller, or similar system, including any

associated input, output, data storage device, networking

equipment, or backup facility.

Dependent Children means Your natural, step or legally

adopted unmarried children accompanying You on the

Journey and for whom cover under this policy has been

activated, who are aged under 19 and not in fulltime

employment, or, who are aged under 26 if they are a fulltime

student at an accredited institute of higher learning and

primarily dependent on You for maintenance and support.

Epidemic means a contagious disease recognised or referred

to as an epidemic by a representative of the World Health

Organization (WHO) or an ocial government authority.

Family means Your spouse, de facto partner or civil union

partner and Your Dependent Children who are accompanying

You on Your Journey.

Fatal Injury means loss of life which is:

a) caused by an Accident during Your Journey; and

b) resulting independently of any other cause (including but

not limited to any Pre-existing Medical Condition, illness,

or disease).

Hazardous Work means any occupation (paid, unpaid or

voluntary) which exposes You to an increased risk of physical

danger, harm or adverse health eects, including but not

limited to the following:

• activities more than 12 nautical miles oshore including

commercial shing

• occupations carried out underground or underwater

• work with rearms, explosives or weaponry of any kind

• forestry or logging

• demolition or operating heavy machinery

• occupations where You work at heights greater than

twometres

• activities as a member of the defence forces or re, police

and ambulance services

• work with wild animals (including wild animals in captivity)

• working with or around hazardous chemicals and/or

materials.

Hospital means an established hospital registered under any

legislation that applies to it, that provides in-patient medical

care. It does not include any institution used primarily as a

nursing or convalescent home, a place of rest, a geriatric ward, a

rehabilitation or external care facility or a place for the treatment

of alcoholism, drug addiction or substance addiction.

Home means Your usual place of residence in New Zealand.

Injury means an external or internal bodily injury caused

solely and directly by violent, accidental, external and

discernible means.

Insured Adult means the ANZ Premium Cardholder and

the ANZ Premium Cardholder’s spouse, de facto partner or

civil union partner who is travelling with the ANZ Premium

Cardholder on the Journey who qualify for cover under this

policy for the relevant Journey.

Journey means the international travel covered by this

policywhich:

a) commences when You leave Your Home on the start

dateof Your travel covered by this policy; and

b) ends on the date You return to Your Home or at 11:59pm

NZST on the 90

consecutive day following the date You

commenced Your travel.

Kidnap/Kidnapped/Kidnapping means the seizing, detaining

or carrying away of You by force or fraud for the purpose of

demanding ransom.

Limb means an arm at or above the wrist or a leg at or above

the ankle.

Mental Illness means any illness, condition or disorder listed

in the current edition of the Diagnostic and Statistical Manual

of Mental Disorders.

Pandemic means an Epidemic that is recognised or referred

to as a pandemic by a representative of the World Health

Organization (WHO) or an ocial government authority.

Period of Insurance means the period of cover We provide to

You commencing on the later of:

a) 12 calendar months prior to the start date of Your Journey;

b) the date You purchase Your trip and qualify for cover in

one of the ways expressly set out in this document,

and ending on the earlier of:

a) 11:59pm NZST on the 90

consecutive day following the

date You commenced Your travel, or if applicable, 11:59pm

NZST on the date We have agreed in writing if You have

extended Your maximum duration of cover; or

b) the date You return to Your Home directly following Your

Journey; or

c) the day You arrive at a medical facility in New Zealand

for further care if You end Your Journey due to a

medicalreason.

Permanent Total Disablement means an Injury that:

a) the eects of which have lasted for 12 consecutive

months and at the end of that time is certied by a

Registered Medical Practitioner with the appropriate

specialisation to assess the Injury, as being beyond any

hope of improvement; and

b) means Your complete inability to engage in any

employment for which You are or may become qualied

to perform by reason of education, training or experience

after rehabilitation.

Personal Baggage means Your suitcases, trunks and similar

containers including their contents and articles worn or

carried by You. It does not mean or include any business

samples or items that You intend to trade, passport or travel

documents, cash, bank notes, currency notes, cheques,

negotiable instruments, electronic data, software, intangible

assets, watercraft of any type (other than surfboards), furniture,

furnishings, household appliances, mechanically propelled

vehicles, unmanned vehicles, hired items or any other item We

have informed You in writing is excluded.

Pre-existing Medical Condition means:

a) Any physical defect, inrmity, existing or recurring illness,

Injury, disability or Mental Illness of which You, or the

person due to whom You are claiming, are aware of.

b) Any medical condition for which You, or the person due

to whom You are claiming have had or received a medical

examination, consultation, treatment, investigation

and/or medication in the 12 months prior to the date

Youactivated Your cover under this policy.

Professional Sport means training for, coaching or competing

in any sporting event where You are entitled to receive, or are

eligible to receive, an appearance fee, wage, salary or prize

money in excess of $1,000.

Public Place means any area to which the public has access

(whether authorised or not) including but not limited to hotel

foyers and grounds, restaurants, public toilets, beaches, airports,

railway stations, bus terminals, taxi stands and wharves.

Public Transport means an aircraft, vehicle, train, tram, vessel

or other scheduled transport operated under a license for

the purpose of transporting passengers. However, it does not

mean a taxi, limousine or similar service.

Ransom means any monetary loss which is incurred in the

provision and delivery of cash, marketable goods, services or

property to secure the release of a Kidnapped traveller.

Reasonable means:

a) for medical, hospital, dental or funeral expenses, the

standard level of care given in the country You are in

provided it does not exceed the level You would normally

receive in New Zealand; and

b) for all other covered expenses, a level comparable to

the same nature and class as booked for the rest of

YourJourney;

in each case as determined by Us.

Registered Medical Practitioner means a qualied

doctor ordentist, other than You, a Travelling Companion,

someoneYou work with, or a Close Relative, holding

thenecessary certication in the country in which they are

currently practising.

Resident means someone who holds a valid New Zealand

residence class visa.

Rental Vehicle means a campervan/motorhome that does not

exceed 4.5 tonnes, a sedan, coupe, hatchback, station-wagon,

SUV, 4WD or mini bus/people mover rented from a licensed

motor vehicle rental company or agency.

Terrorist Act means an act, including but not limited to the

use of force or violence, of any person or group(s) of persons,

whether acting alone or on behalf of or in connection with

any organisation(s), which constitutes terrorism as recognised

by the government authority or under the laws of New

Zealand and is committed for political, religious, ethnic,

ideological or similar purposes, including but not limited to

the intention to inuence any government and/or to put the

public, or any section of the public, in fear. It does not include

general civil disorder or unrest, protest, rioting, political risk, or

acts of war.

Total Loss means:

a) severance or irrevocable total loss of power and control

ofan insured body part; or

b) irrecoverable loss of the entire sight of in an eye; or

c) loss of the entire hearing in an ear.

Travelling Companion means a person with whom You have

made arrangements before You activated Your cover under

this policy, to travel with You for at least 75% of Your Journey.

Trip means a journey taken by the ANZ Premium Cardholder

as a paying passenger on scheduled Public Transport provided

that:

a) before boarding the scheduled Public Transport the

full cost of the trip was charged to the ANZ Premium

Cardholder’s ANZ Premium Card prior to commencement

of the Journey; and

b) the trip is purchased and takes place during the Period of

Insurance set out in this policy wording.

Unattended means leaving Your Personal Baggage

andeects:

a) with a person who is not Your Family member,

TravellingCompanion or Your Close Relative; or

b) with a person who is a Travelling Companion or who

is a Close Relative but whofails to keep Your Personal

Baggage and eects under close supervision; or

c) where they can be taken without Your knowledge; or

d) at such a distance from You or outside of Your line of sight,

that You are unable to prevent them from beingtaken.

War means war, whether declared or not, or any warlike

activities, including use of military force by any sovereign

nation or civil unrest to achieve economic, geographic,

nationalistic, political, racial, religious or other ends.

We, Us, Our means The Hollard Insurance Company Pty Ltd

acting through AWP Services New Zealand Limited trading

asAllianz Partners.

You, Your means the ANZ Premium Cardholder and any

members of their Family travelling with them who qualify

forcover for the relevant Journey under this policy.

SCHEDULE OF BENEFITS

The Schedule of Benets sets out a summary only of the cover

that is provided under this policy and the most We will pay in

total for all claims under each section.

Important Information:

Where used, ‘Unlimited’ only means that there is no capped

dollar sum insured. Sub-limits may apply to some benets.

Allcosts and expenses must be Reasonable. Terms, conditions,

limits and exclusions apply as set out in the policy wording.

Maximum Benets (including applicable sub-limits) are

applied per Insured Adult. Dependent Children share the

benet limits of the Insured Adult(s) they are travelling with

unless expressly stated otherwise.

Section 1 Cancellation and Travel

DisruptionBenets**

Maximum Benets

1.1 Cancellation of Journey* Unlimited

1.2 Additional Expenses* Unlimited

1.3 Travel Delay* $15,000

1.4 Resumption of Journey* $10,000

1.5 Epidemics and Pandemics* Unlimited

Section 2 Medical Benets** Maximum Benets

Persons

aged

under 75

Persons

aged

75+**

2.1 Medical and Repatriation

Expenses*

Unlimited Nil

2.2 Medical and Repatriation Expenses

as a result of a Terrorist Act

$250,000 Nil

2.3 Emergency Dental Treatment Unlimited Nil

2.4 Hospital Cash* $5,000 Nil

2.5 Search and Rescue –

NaturalDisaster

$20,000 Nil

2.6 Funeral Expenses $25,000 Nil

Section 3 Life Benets Maximum Benets

3.1 Accidental Death or Permanent

Total Disablement

• Dependent Children

$100,000

$10,000

3.2 Accidental Death or Permanent Total

Disablement as a result of a Terrorist Act

$25,000

3.3 Loss of Income* $12,000

Section 4 Baggage, Money and

Travel Documents

Maximum Benets

4.1 Personal Baggage – Total Limit*

• General item limit

• Special item limit (portable computers and

cameras (including video cameras)

$30,000

$2,000

$5,000

4.2 Emergency Baggage* $1,500

4.3 Replacement of Travel Documents $5,000

4.4 Personal Money $500

Section 5 Rental Vehicle Excess Maximum Benets

5.1 Rental Vehicle Excess $6,000

Section 6 Personal Liability Maximum Benets

6.1 Personal Liability $2,500,000

6.2 Defence Costs (including wrongful arrest) $13,000

Section 7 Kidnap and Ransom

7.1 Kidnap and Ransom $250,000

Section 8 Transport Accident Insurance

8.1 Transport Accident Insurance $1,000,000

* Sub-limits apply – please read this policy wording in full for details.

** If You are aged 75 or above, there is no automatic cover under Section2 Medical

Benets or under Section 1 Cancellation and Travel Disruption Benets for claims

arising from Your medical conditions or signs or symptoms, whether pre-existing

or not. Cover may be available to You following application to Us. Please refer to

the Medical Cover for ages 75 and above section for information on how You can

apply to have cover under Section 2, and for claims arising from Your medical

conditions under Section 1.

PRE-EXISTING MEDICAL CONDITIONS

Important information about Pre-existing

MedicalConditions

Pre-existing Medical Conditions are not covered under this

policy. Please refer to the denition of Pre-existing Medical

Conditions in the Denitions section.

Cover for Pre-existing Medical Conditions may be available

following application to and acceptance by Our Customer

Care Medical Assessments Team prior to the commencement

of Your Journey.

Our Customer Care Medical Assessments Team can be

contacted on 0800 499 666.

If You complete a medical assessment for Your Pre-existing

Medical Conditions and cover is approved by Us, You may be

required to pay Us a premium and written conrmation of

cover will be forwarded to You.

Pre-existing Medical Conditions that cannot be covered

under any circumstances

Some conditions cannot be covered under this policy.

Theseinclude but are not limited to any medical condition:

• for which surgery is planned or for which You are on a

waiting list;

• arising directly or indirectly from any signs or symptoms

which You have had, or for which You have not sought a

medical opinion, or received a diagnosis, or for which You

are under medical care or are awaiting investigations.

Please refer to the General Exclusions if:

• You are travelling against the advice of a Registered Medical

Practitioner; or

• You are travelling with the intention of obtaining

medicaltreatment.

MEDICAL, CANCELLATION AND TRAVEL

DISRUPTION COVER FOR AGES75 AND ABOVE

If You are aged 75 or above at the start date of Your Period

of Insurance for a Journey under this policy, You do not

haveautomatic cover under:

a) Section 2 Medical Benets; and

b) under Section 1 Cancellation and Travel Disruption

Benets for any claims arising directly or indirectly from

Your medical condition(s) or signs or symptoms, whether

or not they are Pre-existing Medical Condition(s).

If You wish to apply for this cover, You must complete a

medical assessment.

During the medical assessment, We will ask You about Your

medical history and Your Pre-existing Medical Conditions.

If We approve Your application for cover under Section 2

Medical Benets, You may be required to pay a premium,

and written conrmation of Your cover will be forwarded to

You. Cover will not be in place until You pay any applicable

premium and we inform You in writing.

To complete Your medical assessment, please call Our

Customer Care Medical Assessments Team on 0800 499 666.

GENERAL EXCLUSIONS

General exclusions apply to each section of this policy.

You must also check each section of this policy for other

exclusions applying specically to each policy section.

This policy does not cover any loss, damage, liability, death or

incapacity directly or indirectly caused by or arising from any

of the following:

General Exclusions

1. Pre-existing

Medical

Conditions

a) Your Pre-existing Medical Conditions,

or any Complications attributable

to those conditions unless the

conditions are accepted by Us

in writing following a medical

assessment and payment of any

additional premium;

b) Pre-existing Medical Conditions of

Your Travelling Companion or any

Complications attributable to those

conditions;

c) Pre-existing Medical Conditions

of Your Close Relatives or any

Complications attributable to those

conditions, except as specied under

Sections 1.1 d), 1.2 f ) and 1.4.

2. Medical signs

andsymptoms

Any physical or mental signs or

symptoms that You were aware

of, or a Reasonable person in Your

circumstances would have been aware

of, before cover commenced, and:

a) You had not yet sought a medical

opinion regarding the cause; or

b) You were currently under

investigation to dene a diagnosis;

c) You were awaiting specialist opinion.

3. Travelling against

medical advice

You travelling against the advice of a

Registered Medical Practitioner.

4. Travelling for

medical or dental

treatment

You travelling with the intention of

obtaining medical or dental treatment.

5. Elective and

cosmetic

treatment

Elective or cosmetic treatment received

by You or Your Travelling Companion

during Your Journey.

General Exclusions

6. Sexually

transmitted

diseases

Sexually transmitted diseases

contracted during Your Journey.

7. Pregnancy and

childbirth

Pregnancy or childbirth (except for

unforeseen medical Complications or

emergencies up to and including the

rst 23 weeks of Your pregnancy).

8. Addiction to

drugs or alcohol

A therapeutic or illicit drug or alcohol

addiction.

9. Under the

inuence of drugs

and alcohol

You being under the inuence of any

intoxicating liquor, drugs or substances

except a drug prescribed to You by

a Registered Medical Practitioner,

and taken in accordance with

theirinstructions.

10. Medication

or treatment

started before

Your Journey

commenced

The cost of medication You were

using at the time the Journey began

or the cost for maintaining a course

of treatment You were on prior to the

start of the Journey.

11. Abortion You undergoing an abortion where it is

not deemed medically necessary to do

so by a Registered Medical Practitioner.

12. Suicide and self-

inicted illness or

Injury

Your self-inicted illness or Injury, or

Your suicide.

13. Domestic pets Your domestic pet or farm/lifestyle

animal.

14. Persons in Your

accommodation

Any person You have invited into Your

accommodation premises.

15. Loss of enjoyment

or income

Any consequential loss, loss of

enjoyment or loss of income.

16. Reducing Your

loss

You not doing everything You can to

reduce any loss as much as reasonably

possible.

17. Risking Your

safety

You intentionally or irresponsibly acting

in a way that poses a risk to Your safety

or the safety of Your Personal Baggage

unless You do so in an attempt to

protect the safety of a person or to

protect property.

General Exclusions

18. Things You were

aware of

Anything which You were aware of, or

of which a Reasonable person in Your

circumstances ought to have been

aware of at the time You purchased

Your policy, that would give rise to You

making a claim.

19. Government

regulations and

illegal acts

You or Your Travelling Companion

breaching any government prohibition

or regulation, including visa

requirements or intentionally acting

illegally, or any travel that is prevented

or limited by legislation, government or

court order.

20. Government

intervention

Government intervention of any kind,

including a government authority

conscating, detaining or destroying

anything.

21. Acts of war Any act of war, whether war is declared

or not, or from any rebellion, revolution,

insurrection or taking of power by

themilitary.

22. Terrorism Terrorist Acts, or the threat of a Terrorist

Act, except where cover has been

expressly stated in this document.

23. Nuclear,

biological

and chemical

materials

A nuclear reaction or contamination

from nuclear weapons or radioactivity,

or, biological and/or chemical

materials, substances, compounds or

the like including when used directly or

indirectly for the purpose of harming

or to destroy human life and/or create

public fear.

24. Travel warnings You not following the advice of any

government or any other ocial body’s

warning and where You did not take

appropriate action to avoid or minimise

any potential claim under Your policy

(including delay of travel to the country

or part of a country referred to in the

warning). Refer to safetravel.govt.nz for

further information.

General Exclusions

25. Epidemics and

Pandemics

An actual or likely Epidemic or

Pandemic, or, the threat of an Epidemic

or Pandemic, except under the

following sections:

• Section 1.5 (Epidemics and

Pandemics) and;

• Section 2.1 (Medical Expenses).

Refer to who.int and safetravel.govt.nz

for further information on Epidemics

and Pandemics.

26. Trade sanctions Violation of any applicable trade or

economic sanctions, law or regulation.

27. Protective

clothing and

equipment

You not wearing the appropriate

protective, equipment, clothing and

head protection for the sport or activity

You are participating in.

28. Safety warnings You not observing all safety warnings

and advice about adverse weather and

terrain conditions.

29. Domestic travel Travel within New Zealand unless this

forms part of Your international travel

itinerary for the relevant Journey.

30. Occupations Occupations involving HazardousWork.

31. Motorcycles and

mopeds

You riding a moped or motorcycle in

the following circumstances:

a) without a helmet (whether as a

driver or a passenger); or

b) without a valid driver’s licence as

required in the country You are in; or

c) where a valid licence is not required

in the country You are in, You riding

if You do not have a full NewZealand

licence qualifying You to ride the

moped or motorcycle You are riding

on, as specied by the New Zealand

Transport Agency (nzta.govt.nz).

General Exclusions

32. Activities Active participation in:

a) skiing and snow-boarding outside of

ski resortboundaries;

b) diving underwater using an articial

breathing apparatus unless You

hold an open water diving licence

recognised in New Zealand or are

diving with an instructor licensed

for these activities, or, under any

circumstances, diving underwater at

a depth greater than 30 metres;

c) ying, hang or tow gliding, microlite

ying, parachuting, sky diving and

other aerial activities other than the

following:

• hot air ballooning;

• paragliding;

• parasailing;

• bungee jumping; or

• as a fare–paying passenger in a

power driven aircraft licensed to

carry passengers own by a pilot

licensed to carry passengers;

d) mountain and rock climbing;

e) Professional Sport;

f ) racing of any kind (other than on

foot) including training;

g) ocean yachting 25 nautical miles or

more from the mainland;

h) white water rafting, white water

kayaking or black water rafting in

grade 5 or more rivers;

i) pot holing;

j) rodeo activities;

k) hunting;

l) any activity in remote areas except as

part of an organised tour group;

) extreme versions of any sport.

General Exclusions

33. Cyber Risk

a) Any unauthorised, malicious, or

illegal act, or the threat of such

act(s), involving access to, or the

processing, use, or operation of, any

Computer System;

b) Any error or omission involving

access to, or the processing, use, or

operation of any ComputerSystem;

c) Any partial or total unavailability

or failure to access, process, use, or

operate any ComputerSystem; or

d) Any loss of use, reduction in

functionality, repair, replacement,

restoration or reproduction of

any data, including any amount

pertaining to the value of such data.

SECTION 1 CANCELLATION AND TRAVEL

DISRUPTION BENEFITS

IMPORTANT: If You are aged 75 or above at the start date of

Your Period of Insurance, You do not have cover under this

Section for any claims arising directly or indirectly from Your

medical condition(s) or signs or symptoms, whether or not

they are Pre-existing Medical Condition(s), unless You have

completed a medical assessment and We have agreed in

writing to provide You with this cover.

Note: If Your travel plans are disrupted by a claimable event,

a claim can only be lodged under one of the following:

Sections1.1 Cancellation of Journey, 1.2 Additional Expenses,

1.3 Travel Delay or 1.4 Resumption of Journey. You cannot

make a separate claim for the same event under each of

thesesections.

In all cases the amount claimable will be less any amounts

refundable on unused travel vouchers or tickets. You will be

required to provide proof of any refunds (or lack thereof) with

Your claim.

If You cancel, curtail or incur additional expenses for medical

reasons, You must provide written advice from a Registered

Medical Practitioner that it was medically necessary.

1.1 Cancellation of Journey

If Your Journey is cancelled, rescheduled or shortened

because of circumstances that were not expected or intended

by You and are outside Your control, We will reimburse You:

a) the non-refundable portion of unused travel and

accommodation arrangements scheduled to be used by

You during Your Journey, that You have paid in advance

of cancellation and cannot recover in any other way,

inclusive of Your travel agent’s cancellation fees and any

commission or service fees retained by Your travel agent

up to a maximum of 10% of Your total travel costs or

$500per Insured Adult, whichever is the lesser.

b) for the value of frequent yer points, air miles, loyalty card

points, redeemable vouchers or other similar schemes

lost by You as a result of cancelling the services paid

for or obtained with those points, air miles, vouchers

or schemes, but only if You cannot recover Your loss in

any other way. We calculate the amount We pay You

asfollows:

i) for frequent yer points, air miles or loyalty card points:

the cost of an equivalent booking based on the same

advance booking period as Your original booking

less any payment You made toward the booking,

multiplied by the total number of points or air miles

lost, divided by the total number of points or air miles

used to make the booking.

ii) for vouchers, the face value of the voucher or current

market value of an equivalent booking whichever is

the lesser.

c) the Reasonable costs of rescheduling Your Journey.

Themost We will pay for rescheduling Your Journey

is the unrecoverable amount that would have been

payable under Section 1.1 a) had Your Journey been

cancelled. Wewill not pay a claim under Section 1.1 c)

in addition to a claim under Sections 1.1 a) for the same

services/facilities.

d) If a Close Relative of Yours dies or is hospitalised after

Your policy is issued as a result of a Pre-existing Medical

Condition, or Complications attributable to those

conditions, and if at the time of policy issue You, or a

Reasonable person in Your circumstances, would have

been unaware of the likelihood of such hospitalisation or

death, the most We will pay for all claims under Sections

1.1 a), 1.1 b) or 1.1 c) is $2,000 per Insured Adult up to a

maximum of $4,000.

1.2 Additional Expenses

a) If You cannot continue on Your Journey because of

an Injury or illness which needs immediate treatment

from a Registered Medical Practitioner who certies in

writing that You are unt to travel, We will reimburse

Your Reasonable additional accommodation and travel

expenses.

b) If Your Travelling Companion cannot continue the Journey

because of an Injury or illness which needs immediate

treatment from a Registered Medical Practitioner who

certies in writing that they are unt to travel, We will

reimburse Your Reasonable additional accommodation

and travel expenses for You to be with Your Travelling

Companion.

c) If You are in hospital suering from a life threatening

or other serious condition, or are evacuated for

medical reasons We will reimburse the Reasonable

accommodation and travel expenses of Your Travelling

Companion or a Close Relative to travel to You, stay near

You or escort You. They must travel, stay with You or

escort You, provided they do so on the written advice

of a Registered Medical Practitioner and with the prior

approval of Allianz Partners.

d) If You shorten Your Journey and return to Your Home on

the written advice of a Registered Medical Practitioner

approved by Allianz Partners, We will reimburse the

Reasonable additional cost of Your return to Your Home.

e) If during Your Journey, Your Travelling Companion, or a

Close Relative of Yours or of Your Travelling Companion,

dies unexpectedly or is hospitalised as a result of a serious

Injury or illness (except where the relevant death, Injury

or illness arises from a Pre-existing Medical Condition), We

will reimburse the Reasonable additional cost of Your early

return to Your Home.

f ) If a Close Relative of Yours dies or is hospitalised as a result

of a Pre-existing Medical Condition, or Complications

attributable to that condition, and if at the time of policy

issue You, or a Reasonable person in Your circumstances,

would have been unaware of the likelihood of such

hospitalisation or death, We will pay for the Reasonable

additional cost of Your return to YourHome. The most

We will pay for all events under this benet is $2,000 per

Insured Adult up to a maximum of$4,000.

g) If a disruption to Your Journey arises from any of the

following reasons:

i) Your scheduled or connecting transport is cancelled,

delayed, rescheduled or diverted because of a strike,

riot, hijack, civil protest, weather, natural disaster or an

accident aecting Your mode of transport; or

ii) Your travel documents are accidentally lost, damaged

or stolen during Your Journey and Your Journey is

disrupted because You must arrange replacement of

Your travel documents; or

iii) You unknowingly break any quarantine rule; or

iv) Your Home is rendered uninhabitable by re,

explosion, earthquake or ood.

We will reimburse Your Reasonable additional travel and

accommodation expenses.

1.3 Travel Delay

If circumstances outside Your control result in a delay to

Your Journey for at least six hours, We will reimburse the cost

of Your Reasonable additional meals and accommodation

expenses up to:

• $250 per Insured Adult at the end of the initial

sixhourperiod

• $250 per Insured Adult for each full 24 hour period that the

delay continues beyond the initial six hour delay, up to the

Maximum Benet shown in the Schedule of Benets.

1.4 Resumption of Journey

If You are forced to return to New Zealand due to the serious

Injury, illness or death of a Close Relative, We will pay up to

the Maximum Benet for Your Reasonable Public Transport

costs actually incurred by You to resume Your Journey,

in accordance with Your original pre-booked itinerary,

providedthat:

a) the serious Injury, illness or death of a Close Relative

occurred after Your departure on Your Journey;

b) Your Journey was intended to be a duration of at least

14days;

c) You had been away for less than 50% of the duration of

Your Journey; and

d) You have not made a claim relating to the same event

under Section 1.2 Additional Expenses.

If the serious Injury, illness or death of a Close Relative is as a

result of a Pre-existing Medical Condition, or Complications

attributable to that condition, and if at the time of policy issue

You, or a Reasonable person in Your circumstances, would

have been unaware of the likelihood of such hospitalisation

or death, the most We will pay under this Section is $2,000 per

Insured Adult up to a maximum of $4,000.

1.5 Epidemics and Pandemics

The cover described under Sections 1.1 a), 1.1 b), 1.1 c), 1.2a),

1.2 b), 1.2 c) and 1.2 d) is extended to cover the following

events (in relation to You or Your Travelling Companion only):

a) You or Your Travelling Companion are diagnosed with an

Epidemic or a Pandemic disease and cannot commence

or complete Your travel; or

b) Your Close Relative who is not travelling with You is

hospitalised due to an Epidemic or Pandemic disease

and their condition is considered life-threatening by a

Registered Medical Practitioner; or

c) You or Your Travelling Companion are quarantined or

ordered into mandatory isolation by the New Zealand

Government based on their suspicion that You have been

exposed to an Epidemic or Pandemic disease; or

d) Your travel is disrupted following the commencement of

Your Journey due to You or Your Travelling Companion

being denied boarding on any scheduled Public Transport

service, based on the suspicion that You have an Epidemic

or Pandemic disease and You incur costs for additional

accommodation and meals as a result.

The most We will pay for any claim under Section 1.5 c) is

$200per day up to a maximum of $1,400 per Insured Adult.

There is no cover for claims arising from any lockdowns,

changes in government alert levels, quarantine or mandatory

isolation that applies generally or broadly to some or all of a

population, vessel or geographical area, or that applies based

on where You are travelling to, from, or through.

Exclusions applying to Section 1

You must also check the General Exclusions for other reasons

why We will not pay.

We will not pay for claims that relate to loss, damage, liability,

expenses or claims for or arising directly or indirectly out of:

a) Your disinclination to travel, personal wishes, You or Your

Travelling Companion changing plans voluntarily;

b) Your nancial circumstances, including You being made

redundant, business or contractual obligations, or the

request of Your employer;

c) any reason that may cause Your Journey to be cancelled,

rescheduled, disrupted, delayed or shortened or

which You were aware, or a Reasonable person in Your

circumstances would have been aware before Your policy

was purchased;

d) Your failure to check in at the correct departure time or

claims resulting from You being a standby passenger;

e) any additional travel or accommodation expenses, which

are not of same nature and class as originally purchased,

unless we have provided our prior approval for the upgrade;

f ) the serious Injury, illness, disease or death of any person

who is not:

i. You; or

ii. Your Travelling Companion; or

iii. Your Close Relative;

g) the receivership, insolvency, statutory management,

administration, bankruptcy, liquidation collapse or

adverse nancial position of any airline, nancial transport

provider, tour operator, travel agent, or wholesaler;

h) the inability of a tour operator or wholesaler to complete

arrangements for a group tour, due to a deciency in the

number of persons required to commence or complete

any part of the tour. This exclusion does not apply to

prepaid travel arrangements bought separately to

reach the departure point for the tour or for other travel

arrangements which do not form part of the tour;

i) the inability or negligence of a tour operator,

charter airline or wholesaler to complete Your travel

arrangements, or costs charged by or payable to a

supplier resulting from rescheduling or cancelling of travel

arrangements by that supplier;

j) delays or rescheduling by a bus line, airline, shipping line

or rail authority;

k) costs paid in advance that exceed the recommended

retail value of any concert or sporting event ticket that is

scheduled to take place during Your Journey;

l) the breakdown or dissolution of any personal or family

relationship;

m) lockdowns, changes in government alert levels,

quarantine or mandatory isolation that applies generally

or broadly to some or all of a population, vessel or

geographical area, or that applies based on where You are

travelling to, from, or through.

n) You commencing Your travel against the New Zealand

Government’s advice, or against local government advice

at Your overseas destination.

SECTION 2 MEDICAL BENEFITS

IMPORTANT: If You are aged 75 or above at start date of Your

Period of Insurance, You do not have any cover under this

Section of the policy unless You have completed a medical

assessment and We have agreed in writing to provide You

with this cover.

2.1 Medical Expenses

You are covered up to the Maximum Benet for Reasonable

and customary overseas Hospital, medical, surgical, or other

remedial attention or treatment given or prescribed by a

Registered Medical Practitioner, including medical repatriation

expenses, incurred as a result of an illness, Injury or disease

occurring during Your Journey.

This benet only applies in excess of any amounts You are

entitled to from any reciprocal health agreements between

New Zealand or Your country of citizenship and the country

in which the charges or expenses were incurred and in excess

of any amounts that are recoverable by or on behalf of You

from any other source. New Zealand has reciprocal health

agreements with Australia and the United Kingdom. You will

be required to seek treatment in these countries from their

public health system.

We will also pay for emergency telephone calls and taxi fares

up to an amount of NZ$100 per Insured Adult in connection

with Your Injury or illness. Receipts must be provided.

Following Your return to Your Home, We will pay up to a

maximum of NZ$10,000 per Insured Adult for Reasonable

continuing medical treatment provided these expenses are

necessary and incurred within a 12 month period following

the date of the illness or Injury.

In all cases:

a) We will only pay costs incurred within 12 months of the

illness or Injury;

b) You, or someone acting on Your behalf, must wherever

possible contact Allianz Partners prior to treatment or

hospitalisation. Failure to obtain Our prior approval before

Your hospitalisation or treatment may result in Your claim

being declined;

c) We have the option of returning You to New Zealand for

further treatment if You are medically t to travel. If You

decline to return to New Zealand, We will not pay for any

ongoing overseas medical expenses;

d) If You choose not to return to Your Home on or prior to

the end date of Your Period of Insurance, We will not pay

for any ongoing medical expenses, including medication,

that You incur after the expiry date in connection with any

Injury, illness or disease that occurred during the Period of

Insurance.

2.2 Medical and Repatriation Expenses as a result of a

Terrorist Act

Cover under Section 2.1 is extended to cover medical

expenses and repatriation arising from a Terrorist Act.

The maximum amount We will pay under this section is

$250,000 per Insured Adult.

2.3 Emergency Dental Expenses

We will pay, up to the policy’s Maximum Benet, for

Reasonable costs You incurred for emergency dental

treatment provided during Your Journey which the treating

dentist certies in writing was required solely for the

immediate relief of sudden and acute onset of pain to healthy

natural teeth following an infection or broken tooth. For cover

to apply, teeth must be whole or properly restored (with llings

only) and without impairment, periodontal or other conditions.

2.4 Hospital Cash

If, during Your Journey, You are conned to a Hospital overseas

as a result of Injury or illness, We will pay You NZ$150 for each

24 hour period You are hospitalised, provided the period of

connement exceeds at least 48 hours and limited to the

policy’s Maximum Benet per Insured Adult. We will not pay

for the rst 48 continuous hours You are in Hospital.

2.5 Search and Rescue – Natural Disaster

We will pay up to the Maximum Benet towards the costs of a

private search if You are declared missing following a natural

disaster, during the Period of Insurance, provided that:

a) one of Your Close Relatives requests the search; and

b) the search is approved by local authorities; and

c) the search commences within 72 hours of the ocial

notication that You are missing.

2.6 Funeral Expenses

Where Your death occurs We will pay up to the Maximum

Benet for the Reasonable funeral and cremation or

burial expenses in the area where death occurred, or for

the Reasonable costs of returning Your body or ashes to

NewZealand, excluding funeral and interment costs.

Exclusions applying to Section 2

You must also check the General Exclusions for other reasons

why We will not pay.

We will not pay for claims that relate to loss, damage, liability,

expenses or claims for or arising directly or indirectly out of:

a) You not following the advice of Allianz Partners;

b) medical expenses relating to hospitalisation or surgical

treatment where our prior approval has not been sought

and obtained, unless notication is not possible;

c) medical expenses incurred for continuing treatment or

medication which commenced prior to this Journey,

even if We have agreed to cover Your Pre-existing Medical

Condition;

d) private medical treatment when public treatment

isavailable;

e) treatment exceeding more than two weeks by an

acupuncturist, chiropractor or physiotherapist where you

have been referred by a Registered Medical Practitioner

unless approved by Allianz Partners;

f ) extraction of wisdom teeth unless these have been

impacted;

g) dental treatment in New Zealand;

h) normal dental health maintenance;

i) damage to dentures, dental prostheses, bridges orcrowns;

j) dental treatment involving the use of precious metals or

for cosmetic dentistry;

k) dental treatment caused by or related to the deterioration

and/or decay of teeth.

l) You commencing Your travel against the New Zealand

Government’s advice, or against local government advice

at Your overseas destination.

SECTION 3 LIFE BENEFITS

3.1 Accidental Death or Permanent Total Disablement

Schedule of Compensation Percentage of

Benet Limit

1 Death 100%

2 Permanent Total Disablement 100%

3 Permanent Total Loss of or the loss of use

of two Limbs

100%

4 Loss of or the permanent Total Loss of

use of one Limb

50%

5 Permanent Total Loss of speech 100%

6 Permanent Total Loss of sight in:

a) both eyes

b) one eye

100%

50%

7 Permanent Total Loss of hearing in:

a) both ears

b) one ear

75%

15%

If, during Your Journey:

a) You suer an Injury which within 12 calendar months

of the date of the Injury, directly results in any event

described in the Schedule of Compensation; or

b) You are exposed to the elements and as a direct result of

that exposure, within 12 calendar months You suer an

event described in the Schedule of Compensation.

We will pay the compensation stated in the Schedule of

Compensation up to the policy’s Maximum Benet.

3.2 Accidental Death or Permanent Total Disablement as

a result of a Terrorist Act

The maximum amount We will pay under this section for

claims arising from a Terrorist Act is $25,000 per Insured Adult.

Conditions applying to Sections 3.1 and 3.2:

a) Benets will not be payable for more than one of the

events 1 to 7 in respect of the same Injury.

b) After the occurrence of any of any of the events listed in

the Schedule of Compensation for which 100% of the

Maximum Benet is payable, all cover with respect to You

under this section shall cease.

c) Benets payable to Dependent Children will not

exceedthe maximum benet limit stated for

DependentChildren.

d) All benets are payable to You or Your estate.

3.3 Loss of Income

We will pay You up to $1,000 per week up to the policy’s

Maximum Benet if you suer an Injury during Your Journey,

and within 90 days of the Injury, and following Your return

to New Zealand, You are unable to continue Your usual

employment, provided that:

a) You are employed in a full-time position in New Zealand

and You would have been returning to that full-time

position following Your return to New Zealand; and

b) You have been assessed by a Registered Medical

Practitioner to be unable to return to the normal duties

required for Your position following Your arrival back to

New Zealand.

Exclusions applying to Section 3

You must also check the General Exclusions for other reasons

why We will not pay.

We will not pay for claims that relate to loss, damage, liability,

expenses or claims for or arising directly or indirectly out of:

a) deliberate exposure to danger unless in the attempt to

save a human life;

b) disease, illness (even if contracted through an Injury) or

any natural causes;

c) Your failure to follow Our requirements under Section 2.

In addition, the following exclusion applies to all claims under

Section 3.3:

d) We will not pay for the rst 30 days after You planned

to resume Your employment following Your return to

NewZealand.

SECTION 4 BAGGAGE, MONEY AND

TRAVELDOCUMENTS

4.1 Personal Baggage

If, during Your Journey, Your Personal Baggage is accidentally

lost, damaged or stolen, We will pay per item up to the policy’s

Maximum Benet. At Our discretion, We may elect to repair or

replace Your items or We will pay the present day value of the

lost or damaged item in cash, after making an allowance for

depreciation and wear and tear.

Proof of ownership and value will be required to support any

claim over $500.

The special item limit shown in the Schedule of Benets

applies per item for camera and video equipment and is

inclusive of all attached or unattached lenses or accessories.

Items under two years of age

For items that are less than two years old, present day value

means the lesser of the purchase price or the replacement

price of the item(s).

Items over two years of age

If an item is more than two years old, present day value

is calculated by applying a minimum 20% depreciation

perannum (from the date of purchase) to the lesser of the

purchase price or current replacement price of the item.

Depreciation may be measured by using the current second

hand value of the lost or damaged item.

Items where the age of the item cannot be determined

If You cannot establish the purchase date of any item, present

day value is calculated by applying a minimum of 50%

depreciation, (which may be increased further based upon

Our assessment of the age of the item) to the lesser of the

purchase price or current replacement price of the item.

Increased item limits

You can purchase increased item limits cover prior to the

commencement of Your Journey by paying Us a premium.

Purchasing this option allows You to increase the standard

item limits applying to Section 4 (Baggage, Money and Travel

Documents) for certain item types.

You can only purchase increased item limit cover for the item

type(s) which We give You the option to select.

Details of the item type(s) and the increased item limits

selected and purchased will be shown on a Certicate of

Insurance which We will provide You with following payment

of the premium.

If You purchase an increased item limit for a nominated item

type, and during Your Journey any items of that particular

item type are stolen, accidentally damaged or permanently

lost, We will pay up to the selected increased limit shown

on Your Certicate of Insurance for any one item of the

nominated item type or for all items of the nominated item

type combined.

Even if You purchase increased item limits, We will never pay

You more than the total limit for personal baggage claims

listed in the Schedule of Benets for all items combined.

Depreciation will not be applied to items with an increased

item limit, however We will not pay more than the original

purchase price of any item. We have the option to repair

or replace an item or to pay You the amount it would cost

Us to repair or replace the item after allowing for any trade

discounts We are entitled to.

If You make a claim for an item with an increased item limit,

the following documentation to prove ownership and value

must be supplied in support of Your claim:

• A pre-loss valuation or receipt for the item(s) claimed dated

within the six months prior to the date You activated Your

cover under this policy.

Loss or damage as a result of a Terrorist Act

If Your belongings are permanently lost or damaged as a result

of a Terrorist Act the maximum We will pay per Insured Adult

is NZ$3,000.

4.2 Emergency Baggage

If Your Personal Baggage is temporarily lost in transit, and is

not restored to You within 12 hours of the discovery of the

loss, We will reimburse You for the emergency purchase of

essential replacement items.

We will reimburse You up to NZ$500 after the rst 12 hours.

If Your Personal Baggage is still missing after a further 48hours

then an additional amount of NZ$500 is claimable. After a

further 72 hours, an additional amount of NZ$500 is also

claimable, if You are still deprived of Your luggage.

Receipts of purchases must be produced to support any claim.

This section does not apply if Your Personal Baggage is

temporarily lost when You are returning to Your Home at the

end of Your Journey.

If Your luggage is not found and You make a claim under

Section 4.1, the costs of the essential items You purchased

will be deducted from any amount payable to You under

Section4.1.

4.3 Travel Documents

If Your travel documents are accidentally lost, damaged or

stolen during Your Journey, We will pay up to the policy’s

Maximum Benet for:

a) the cost of replacing Your travel documents including

passports, entry visas and credit cards; and

b) the cost of subsequent unauthorised use by other

persons, provided that You have observed all terms and

conditions as set down by the issuing authority and You

cannot recover Your loss from any other source.

4.4 Personal Money

We will pay up to the policy’s Maximum Benet for the

accidental loss or theft from Your person or from a locked safe

or from Your accommodation when You are present in the

room, of cash taken on Your Journey for personal use.

Exclusions applying to Section 4

You must also check the General Exclusions for other reasons

why We will not pay.

We will not pay for claims that relate to loss, damage, liability,

expenses or claims for or arising directly or indirectly out of:

a) household furniture (other than soft goods which include

manchester and household linen);

b) fragile or brittle articles unless damage is caused by re

or accident to the conveyance in which they are being

carried;

c) tools of trade, bicycles, skis/snowboards and/or bindings,

surfboards, windsurfers or similar water equipment other

than when they are damaged in transit on a licensed

commercial transporter or resulting from re in or theft

from locked accommodation premises;

d) sporting equipment whilst in use;

e) stock or samples of any kind related to business or trade;

f ) Personal Baggage sent in advance or articles mailed, sent

or shipped by freight or cargo separately;

g) Personal Baggage left Unattended by You or Your

Travelling Companion in a Public Place. This includes

where an item is at a distance from You that You cannot

prevent it from being taken;

h) Personal Baggage left in a motor vehicle unless stored

in a locked luggage compartment of the motor vehicle

and forced entry is gained. If there is no lockable luggage

compartment in the motor vehicle the items must be

unable to be seen from outside the locked vehicle;

i) travel documents not reported within 24 hours to

the police or the issuer of any credit card or travellers

cheque(s) or travel documents where You have not

complied with the conditions under which they have

been issued and done everything to minimise the loss;

j) jewellery, except when at the time of the loss or

damage the item is being worn by You, or was in Your

bedroom while You are present in the same room, or in a

lockedsafe;

k) any electronic device caused by the malfunction of

thatdevice;

l) any electronic data or software;

m) delay, detention or conscation by Customs Ocers or

other ocials;

n) scratching, denting, grazing, staining, wear and tear, rot,

mould, mildew, rust, corrosion, the action of insects or

vermin, or clothing and personal eects being cleaned,

dyed, altered or repaired;

o) cash except when at the time of the loss the cash was on

Your person, or was in Your accommodation while You

were present in the same room, or in a locked safe.

SECTION 5 RENTAL VEHICLE EXCESS

5.1 Rental Vehicle Excess

You are covered for the insurance excess You are required to

pay, as a result of loss or damage to a Rental Vehicle You have

hired, up to the policy’s Maximum Benet, provided that:

a) You were the driver of the Rental Vehicle at the time of the

accident or if the Rental Vehicle was not being drivenit

was under Your custody and control when stolen or

damaged;

b) You have observed all driving licence rules

andregulations;

c) Your Rental Vehicle was rented from a licensed

rentalagency;

d) You have not breached Your rental vehicle

rentalagreement;

e) the excess is not recoverable from any other source; and

f ) You have made a claim with the motor vehicle’s insurer

which has been accepted, or would have been accepted

except for the application of the excess.

Exclusions applying to Section 5

You must also check the General Exclusions for other reasons

We will not pay.

We will not pay for claims that relate to loss, damage, liability,

expenses or claims for or arising directly or indirectly out of:

a) You using the Rental Vehicle in breach of the

rentalagreement;

b) You using the Rental Vehicle without a licence for the

purpose that You were using it (such as but not limited to

the carrying of passengers or freight); or

c) administrative charges or fees imposed by the rental

company that do not form any part of the amount

specied in Your Rental Vehicle agreement.

SECTION 6 PERSONAL LIABILITY

6.1 Personal Liability

We will indemnify You up to the policy’s Maximum Benet

for all sums that You become legally liable to pay as direct

compensation consequent on:

a) accidental injury, death or illness to persons; or

b) accidental loss or damage to tangible property;

occurring during the course of Your Journey and during the

Period of Insurance.

In respect of a claim to which the above indemnity applies

We will pay any costs of litigation legally recovered by any

claimant from You and all other costs and expenses incurred

with Our written consent.

6.2 Defence Costs (Including Wrongful Arrest)

We will pay for defence costs incurred by You with Our

consent in defending claims made against You, including such

costs incurred which are the direct result of Your false arrest

or wrongful detention by any government or government

agency, up to the policy’s Maximum Benet.

Exclusions applying to Section 6

You must also check the General Exclusions for other reasons

We will not pay.

We will not pay for claims that relate to loss, damage, liability,

expenses or claims for or arising directly or indirectly out of:

a) land or buildings owned, or held in trust by You or in

Yourcustody and control;

b) Your business or occupation;

c) the ownership or use of any land or building, aircraft or

aerial device (including unmanned vehicles) other than

model aircraft;

d) mechanically propelled vehicles;

e) watercraft other than a rowboat, surfboard, sailboard,

body board, water ski or model boat;

f ) damage to property belonging to You or any employee or

member of Your family or under Your or their control;

g) Injury, death or illness to You, Your employee or members

of Your family;

h) damage to any structure or land due to vibration or to the

withdrawal or weakening of support;

i) nes, penalties and punitive, exemplary, aggravated

or liquidated damages imposed upon or awarded

againstYou;

j) Your liability under a contract;

k) Your unlawful, malicious, deliberate or intentional acts;

l) transmission of any communicable disease.

SECTION 7 KIDNAP AND RANSOM

7.1 Kidnap and Ransom

If You are Kidnapped during Your Journey, We will pay up to

the policy’s Maximum Benet for:

a) the Ransom paid by Your representative following

YourKidnapping; and

b) Reasonable expenses incurred for:

i) the cost of the appointment and services of an

independent security consultant as the result of a

demand for Ransom provided We have given Our

consent to the independent security consultant’s

appointment; and

ii) interest on money borrowed from a nancial

institution for the purpose of paying the Ransom.

Theamount We will pay will be for a term not

exceeding from 30 days prior to the payment of the

Ransom until the rst business day after settlement is

received from Us;

iii) any other Reasonable expenses incurred to

investigate, negotiate, or pay a Ransom demand or

recovering You.

Conditions of cover

a) You must keep this insurance cover condential.

b) We will not act as an intermediary or negotiator for You,

nor will We oer direct advice to whoever is dealing with

the kidnapper.

c) If an investigation establishes collusion or fraud by You,

You must reimburse Us for any payment We have made

under this section.

d) If following Our payment to You, part or all of the Ransom

is recovered You are required to reimburse Us the value of

the amount recovered.

Exclusions applying to Section 7

You must also check the General Exclusions for other reasons

We will not pay.

We will not pay for claims that relate to loss, damage, liability,

expenses or claims for or arising directly or indirectly out of:

a) any interest exceeding 2% of the current overdraft interest

rate charged by ANZ;

b) any expenses, fees or damages incurred as a result of any

proceeding brought against You or Your representative

arising out of the Kidnapping or the way it was handled;

c) expenses, losses or damages caused by interruption to

any business;

d) Kidnapping occurring in Mexico or in any country located

in Central or South America or in any nation state where

the United Nations armed forces are present.

SECTION 8 TRANSPORT ACCIDENT

INSURANCE

8.1 Transport Accident Insurance

If You suer a Fatal Injury during Your Journey, We will pay up

to the policy’s Maximum Benet provided that:

a) You are on a Trip; and

b) riding as a paying passenger in, or while boarding or

alighting from a scheduled Public Transport service,

provided You are travelling directly to or from an airport,

bus depot, railway station or dock.

Where Your body has not been found within one year of the

date of Your disappearance arising out of an Accident which

would otherwise give rise to a loss as specied above, it will

be presumed that you suered a Fatal Injury at the time of

Your disappearance.

Payment will be made to Your legal representative.

Any payment under this section shall be reduced by any

capital benet payable for the same event under any

automatic travel insurance or transport accident insurance

where this is also underwritten by Us, including Section 3 of

this policy Section 3 Life Benets.

Maximum amount payable and Our limits of liability

We will only pay one Fatal Injury benet per ANZ Premium

Cardholder, regardless of the number of eligible ANZ Premium

Cards held by that ANZ Premium Cardholder.

The most We will pay for all claims resulting from one

event is $10,000,000, regardless of the number of ANZ

Premium Cardholders who suer a Fatal Injury as a result of

theaccident.

This means that if as a result of one accident a number of

ANZPremium Cardholders suer a Fatal Injury, We will pay

each on a proportional basis up to a total of $10,000,000.

For example, if 12 ANZ Premium Cardholders suered a

FatalInjury in the same accident, We would pay $833,333

toeach of their respective legal representative(s).

Exclusions applying to Section 8

You must also check the General Exclusions for other reasons

We will not pay.

We will not pay for claims that relate to loss, damage, liability,

expenses or claims for or arising directly or indirectly out of:

a) a hijack; or

b) an intentional or illegal or criminal act by:

i) You; or

iii) any person acting on Your behalf; or

iii) Your designated beneciary, executor(s) or

administrator(s) or legal heirs or personal legal

representative(s).

CLAIMS

First check You are covered by Your policy by reading the

appropriate section in this policy wording and the General

Exclusions applying to all sections to see exactly what is, and

is not covered, noting particularly any conditions, limitations

and section specic exclusions.

How to make a claim

You must give notice of Your claim as soon as possible.

Thefastest and easiest way to make a claim is to visit Our

online claims portal: claimmanager.co.nz

Alternatively, You can call one of Our Claims Consultants on

0800 499 666 between 8.30am and 5pm Monday to Friday or

email Us at anzcardclaims@allianz-assistance.co.nz

If there is a delay in claim notication, or You do not provide

sucient detail to process Your claim, We can reduce Your

claim by the amount of prejudice We have suered because

of the delay.

You must give any information We reasonably ask for to

support Your claim at Your expense, such as but not limited to

police reports, valuations, medical reports, original receipts or

proof of purchase and ownership. If required We may ask You

to provide translations of any such documents into English to

enable Our assessment of Your claim.

You must co-operate at all times in relation to providing

supporting evidence and such other information that may

reasonably be required.

If You think that You may have to cancel Your Journey or

shorten Your Journey You must tell Us as soon as possible.

Call one of Our Claims Consultants on 0800 499 666 between

8.30am and 5pm Monday to Friday.

For medical, hospital or dental claims, contact Us as soon as

reasonably practicable.

For loss or theft of Your Personal Baggage, report it immediately

to the police and obtain a written notice of Yourreport.

For damage or misplacement of Your Personal Baggage,

caused by the airline or any other operator or accommodation

provider, report the damage or misplacement to an

appropriate ocial and obtain a written report, including any

oer of settlement that they may make. Submit full details of

any claim in writing within 30 days of Your return Home.

Claims are payable in New Zealand dollars to You

We will pay all claims in New Zealand dollars. We will pay

Youunless You tell Us to pay someone else. The rate of

currency exchange that will apply is the rate at the time

Youincurred the expense. Payment will be made by direct

credit to a NewZealand bank account nominated by You.

You must not admit fault or liability

You must not admit that You are at fault, for any accident,

incident or event causing a claim under Your policy, and You

must not oer or promise to pay any money, or become

involved in legal action, without Our approval.

You must help Us to recover any money We have paid

If We have a claim against someone in relation to the money

We have to pay or We have paid under Your policy, You must

do everything You can to help Us do that in legal proceedings.

If You are aware of any third party that You or We may recover

money from, You must inform Us.

If You can claim from anyone else, We will only make up

the dierence

If You can make a claim against someone in relation to a loss

or expense covered under this policy and they do not pay You

the full amount of Your claim, We will make up the dierence.

You must claim from them rst.

Other insurance

If any loss, damage or liability covered under this policy is

covered by another insurance policy, You must give Us details

of that other insurance policy.

We will only make any payment under this policy once the

other insurance policy is exhausted. If We have paid Your claim

in full rst, We may seek contribution from Your other insurer.

You must give Us any information We reasonably ask for to

help Us make a claim from Your other insurer.

Subrogation

We may, at Our discretion undertake in Your name and on

Your behalf, control and settle any proceedings for Our own

benet in Your name to recover compensation or secure

indemnity from any party in respect of anything covered by

this policy. You are to assist and permit to be done, everything

required by Us for the purpose of recovering compensation

or securing indemnity from other parties to which We may

become entitled or subrogated, upon Us paying Your claim

under this policy regardless of whether We have yet paid Your

claim and whether or not the amount We pay You is less than

full compensation for Your loss. These rights exist regardless of

the section of this policy under which Your claim is paid.

Recovery

We will apply any money We recover from someone else

under a right of subrogation in the following order:

a) To Us, Our costs (administration and legal) arising from the

recovery.

b) To Us, an amount equal to the amount that We paid to

You under Your policy.

c) To You, Your uninsured loss (less Your excess).

d) To You, Your excess.

Once We pay Your total loss We will keep all money left over.

If We have paid Your total loss and You receive a payment from

someone else for that loss or damage, You must pay Us the

amount of that payment up to the amount of the claim We

paid You.

If We pay You for lost or damaged property and You later

recover the property or it is replaced by a third party, You must

pay Us the amount of the claim We paid You.

Fraud

Insurance fraud places additional costs on honest policyholders.

Fraudulent claims force insurance premiums to rise. We

encourage the community to assist in the prevention of

insurance fraud. You can help by reporting insurance fraud by

calling Us on 0800 499 666. All information will be treated as

condential and protected to the full extent under law.

General Policy Enquiries

If You have general enquiries, please call one of the Allianz

Partners Customer Care Team on 0800 499 666 between

8.30am and 5pm Monday to Friday.

Emergency Assistance

If You are overseas and require emergency assistance,

please call Allianz Partners Emergency Assistance.

Skilledprofessionals are available 24 hours 7 days a week.

Call collect on +61 7 3305 7194.

Claim Enquiries

Please call one of the Allianz Partners Claims Consultants on

0800 499 666 between 8.30am and 5pm Monday to Friday or

email Us at anzcardclaims@allianz-assistance.co.nz

This policy is issued and managed by

AWP Services New Zealand Limited trading as Allianz

Partners, Level 3, 1 Byron Avenue, Takapuna, Auckland 0622

and underwritten by The Hollard Insurance Company Pty Ltd

ABN 78 090 584 473 (Incorporated in Australia), (“Hollard”).

The Hollard Insurance Company Pty Limited – Financial

Strength Rating and Overseas Policyholder Preference

Disclosure Notice

The Hollard Insurance Company Pty Ltd has a financial

strength rating of A (Strong) issued by Standard and Poor's.

The Standard & Poor's rating scale is:

AAA Extremely Strong

AA Very Strong

A Strong

BBB Good

BB Marginal

B Weak

CCC Very Weak

CC Extremely Weak

C Selective Default

D Default

The rating may be modified by the addition of a plus (+)

or minus (-) sign to show relative standing within the major

rating categories.

The rating scale above is in summary form.

A full description of this rating scale can be obtained from

www.standardandpoors.com.

An overseas policyholder preference applies. Under

Australian law, if The Hollard Insurance Company Pty Ltd

is wound up, its assets in Australia must be applied to its

Australian liabilities before they can be applied to

overseas liabilities. To this extent, New Zealand

policyholders may not be able to rely on The Hollard

Insurance Company Pty Ltd’s Australian assets to satisfy

New Zealand liabilities.

This policy wording is current as at 1 July 2023 and details are subject to change.

Freephone 0800 499 666 between 8.30am and 5pm

Monday to Friday

Outside New Zealand +64 9 487 0823

Visit checkyourcover.co.nz

If you’d like more information, please feel free to:

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ANZ Bank New Zealand Limited ANZNACPW.2_0723 A3018 07/23 10880

anz.co.nz