Schedule of benefits

The schedule of benefits indicates the maximum limits TOWER Insurance 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.
«Swipe»
Section Limits  Individual limits Family limits Sub limits
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 hours
NZ $500
NZ $500
 
 
Over 72 hours
NZ $1,000
NZ $1,000
 
Loss of deposits, cancellation & curtailment
  Unlimited
Unlimited
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   

What else you need to know

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.

Cover4Travel

Travel insurance from $15.  

Buy online

Cover4Travel full policy documents

Download now