Schedule of Benefits

The schedule of benefits below indicates the maximum limits TOWER will pay in the event of a claim. Please read the information below as well as the policy terms and conditions to check that this travel insurance is right for you.

Section	Limits			Sub Limits
		Individual	Family
Personal Baggage		NZ $10,000	NZ $20,000	Camera: NZ $2,500 per item. Any other individual item: NZ $1,500
Money & Travel Documents	Money	NZ $500	NZ $1,000
	Documents	NZ $2,000	NZ $2,000
Emergency Purchases	Over 12 Hrs:	NZ $500	NZ $500
	Over 72 Hrs:	NZ $1,000	NZ $1,000
Loss of Deposits, Cancellation & Curtailment		Unlimited	Unlimted	Resumption of travel: NZ $5,000
Accidental death & Permanent Disablement		NZ $50,000	NZ $50,000
Medical & Other Expenses	Plan A	NZ $100,000	NZ $200,000	Dental: NZ $1,500 Funeral: NZ $15,000
	Plan B	NZ $200,000	NZ $400,000	Dental: NZ $1,500 Funeral: NZ $15,000
	Plan C	Unlimited	Unlimited	Dental: NZ $1,500 Funeral: NZ $15,000
Liability Protection		NZ $2,000,000	NZ $2,000,000
Travel Delay or Missed Connection		NZ $2,500	NZ $5,000
Strikes & Hijacks		NZ $5,000	NZ 10,000
Rental Vehicle Excess		NZ $2,000	NZ $2,000

Excess: You must pay the first NZ $100 of every claim or loss.

Family Plan: The family plan covers you, your spouse or de facto partner and your dependent children under the age of 18 who permanently live with you, provided they have New Zealand residency.

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