Updated 4 Aug 2016

Tower Insurance

Cover4Travel

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Key data

Policy

Underwriter
Tower Insurance
Underwriter's financial strength rating
A- (A.M. Best)
Phone
0800 800 477
Cooling-off period
7 days
Oldest age covered
65 years and under
Compare premiums

Health cover

Overseas emergency medical expenses
Unlimited for worldwide plan; lower limits may apply for other regions
Emergency dental treatment
$1500
Hospital cash allowance
Not available
Ongoing medical expenses in NZ
Not available

Belongings

Depreciation
No depreciation applied to goods bought on your trip
Luggage and personal effects
$10,000
Cameras and video cameras
$2500 (cameras)
Computers
$1500
Mobile phones
$1500
Other items
$1500
Theft of cash
$500
Travel documents
$2000
Delayed luggage
Up to $1000 (12hrs before allowance kicks in)

Bookings

Cancellation fees and loss of deposit
Unlimited
Resumption of trip
Up to $5000

Liability

Personal liability
$2 million
Rental vehicle excess
$2000

Death and injury

Accidental death or permanent injury
$50,000
Funeral expenses
$15,000
Loss of income stipend
Not available

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