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General exclusions 

You are not insured for any loss, damage, liability or claims arising from or claims for:

  • Acquired immune deficiency syndrome (AIDS), human immunodeficiency virus (HIV) or sexually transmitted diseases;
  • Air travel unless you are a ticketed passenger on a regular airline or established charter service;
  • Any breach of prohibition or regulation of any government relating to immigration or travel;
  • Any consequential loss, loss of enjoyment or loss of income other than cover for permanent disablement under the Section "Accidental Death & Permanent Disablement";
  • Any illness, sickness, disease, injury, physical defect, infirmity, disability, medical condition, or symptom which you or any insured person:
    • was aware of;
    • had signs or symptoms of; or
    • had sought medical advice, examination, consultation, treatment or investigation for; or
    • where a symptom existed that would cause a reasonable person in the circumstances to seek diagnosis, care or treatment before your departure from New Zealand.
  • Any medical costs and other expenses incurred overseas after the date when you can, in the opinion of our medical advisers, be safely repatriated to New Zealand;
  • Any payment over the limits set out in the Schedule of Benefits or outside the period of travel;
  • Any person who is not a New Zealand resident, or was over 65 years of age at the time of arranging this insurance;
  • Any unreasonable or criminal or reckless or wilful act, omission, any disregard for, or failure to comply with any provision in or notice or order under any legislation by you;
  • Asbestosis or any related disease;
  • Bonds, negotiable instruments, vouchers, deeds, stamps, manuscripts, securities of any kind, bullion, gold, precious metals or precious stones;
  • Confiscation, detention, requisition or destruction by customs or other authorities;
  • Deliberate exposure to exceptional danger except in an attempt to save a human life;
  • Depreciation, mildew, mould, rot, corrosion, rust, insects, vermin, wear and tear, gradual deterioration, fading, any process of cleaning, dyeing or repairing;
  • Depression, anxiety, nervous disorders or mental illness;
  • Electronic data directly or indirectly caused by or in connection with a computer virus (this includes loss of use, reduction in functionality or any other associated loss or expense in connection with the electronic data);
  • Failure to obtain or to hold the appropriate passport or Visa or entry documentation;
  • Baggage or money sent by post, courier service or cargo;
  • Military, naval, air service operations, heavy manual work or hazardous work;
  • Mountaineering, rock climbing, parachuting, hang or tow gliding, microlite flying, sky diving, paragliding or parasailing, pot holing, bungy jumping, rodeo activities, hunting, competing or racing (other than on foot), white water activities or underwater activities involving the use of artificial breathing apparatus unless an internationally recognised diving qualification is held;
  • Nuclear weapons material or ionising radiation or contamination by radio activity from any nuclear waste or from combustion of nuclear fuel including any self sustaining process or nuclear fission or fusion;
  • Or occurring during any international ocean voyage (whether or not you have actually entered international waters) or more than 25 nautical miles from the mainland except as a fare paying passenger on a licensed cruise ship;
  • Or occurring in any country where you ordinarily reside other than the cover provided under the Section - Loss of Deposits, Cancellation and Curtailment;
  • Or occurring in high altitude or remote areas except as part of an organised tour;
  • Pregnancy, childbirth or postnatal medical care other than for emergency treatment for extraordinary medical complications occurring during the first 20 weeks of pregnancy;
  • Professional sporting activity or training, or extreme versions of any sport;
  • Self inflicted injury or illness, suicide, voluntary abortion, influence of alcohol or drugs;
  • The receivership, statutory management, administration, bankruptcy, liquidation, financial failure or adverse financial position of any airline, transport provider, tour operator, travel agent, wholesaler or tourist resort;
  • Theft or deliberate damage to your personal baggage or money or travel documents left unattended in a public place or left in any unlocked vehicle, room or other location or by any person lawfully in your accommodation premises;
  • Travel to or from, or while staying in a country, area or region classified as "Extreme Risk" by the NZ Ministry of Foreign Affairs and Trade at the time travel bookings are made or when this insurance is arranged;
  • Your trade, profession or business activities or any form of employment, including volunteer work, whether for profit or not.
    Loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss:
    • war, invasion, acts of foreign enemy or enemies, hostilities or warlike operations (whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, insurrection, rebellion, military or usurped power, or any act of any person or persons acting on behalf of or in connection with any organisation the objects of which are to include the overthrowing or influencing of any de jure or de facto government by terrorism or by any violent means.
  • Pandemic exclusion:
    • This policy does not cover any liability, loss, cost or expense arising out of, resulting from, caused or contributed to by avian influenza or any other virus that is declared to be an outbreak or epidemic by the World Health Organisation, or any Government or ruling body of a country that the outbreak or epidemic has occurred in.
  • Other than cover provided under the Section - 'Medical and other expenses and the Section' - 'Accidental death and permanent disablement' the following terrorism exclusion applies:
    • You are not covered for loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, contributed to by, resulting from, or arising out of or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss;
    • You are not covered for loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, contributed to by, resulting from, or arising out of or in connection with any action taken in controlling, preventing, suppressing, retaliating against, responding to, or in any way relating to any act of terrorism.
  • If we allege that by reason of either the previous two clauses, any loss, damage, cost or expense is not covered by this insurance the burden of proving the contrary shall be upon you.