Travel Insurance from Flights Direct

Buy insurance when you buy your flights. Insurance has cancellation cover included so it pays to have yourself covered (at no extra cost) from the minute you pay for your flights. NOT from the day before you fly if you leave it until the last minute to buy it.

Highlights of Cover

Medical and Dental Expenses – Cover for hospital, medical, surgical, nursing, ambulance and emergency dental expenses.

Amendment and Cancellation - Cover, if due to unforeseen circumstances outside your control your journey has to be re-arranged, or cancelled if it cannot be re-arranged e.g. illnesses, accidents, extreme weather conditions, exam re-sit or retrenchment.

Additional Expenses - Cover for additional accommodation and transportation expenses as a result of certain events including injury, sickness, disease, natural disasters, collisions, strikes and lost travel documents.

Luggage and Travel Documents - Luggage and personal effects – cover for loss, theft or damage after allowing for reasonable depreciation.

Delayed Luggage Allowance - Cover for the cost of essential emergency purchases overseas if all your luggage is delayed by a transport provider.

Money - Cover for cash which is lost or stolen from your person.

Rental Car Insurance Excess Cover - Cover for any rental car insurance excess you become liable to pay as a result of damage to, or theft of, a rental car.

Travel Delay - Cover for additional accommodation expenses if your scheduled transport is delayed for more than 6 hours.

Hijacking

Loss of Income

Disability

Accidental Death

Personal Liability

**Different benefit limits apply to the policy type that you choose. Please consider your requirements before committing to a particular policy**

 

Important Notes

ELIGIBILITY - If you are leaving New Zealand permanently, on a one-way basis, or do not hold a residential address here in New Zealand, then please contact Flights Direct on flightsdirect@xtra.co.nz to ensure that your policy choice does cover your journey.

EXISTING MEDICAL CONDITIONS - Both the OPTIONS and ESSENTIALS policy do cover SOME Existing Medical Conditions. Please see page 7 of the Policy Wordings to see what these are, and the requirements around each of them. If your Medical Condition is more serious than the conditions listed, or you do not fit the criteria, you condition may need to be assessed. Please contact Flights Direct if you have any queries around your Existing Medical Conditions.

 

Making a Claim

You will need to complete our claim form which you can download from www.travelsure.co.nz and submit it within 60 days of the completion of your journey. Travelsure will respond to a claim within 10 working days of receipt of all necessary documentation. Should you require additional claims assistance you can contact Travelsure by:

Email:     enquiries@travelsure.co.nz
Phone:   0800 600 115
Fax:         +649 300 7370

Lost Or Stolen Luggage Claims
Report lost or stolen property to the police or responsible transport provider and obtain a written report.

Medical Claims
Phone the emergency assistance number as soon as physically possible if you are admitted to hospital or if you anticipate that your medical or related expenses are likely to exceed NZ$4,000.

Money Back Guarantee
If you are unhappy with the policy for any reason and wish to cancel, you will be given a full refund by the providing agent. You are entitled to this refund as long as you:

• are not making a claim under the policy,
• are not cancelling after the commencement of the journey,
• cancel the policy within 15 working days from the date of issue.

 

About Travelsure

Travelsure is part of a specialist travel insurance services group with operations in New Zealand, Australia and the UK. The group, founded by Kiwis in 1986;

• manages the travel insurance arrangements for approximately 1 million travellers per annum,
• manages in excess of NZ$220m in travel insurance premiums per annum,
• manages approximately 60,000 travel insurance claims a year, and
• employs approximately 200 travel insurance and emergency assistance specialists, including doctors and nurses.

This experience enables us to provide comprehensive yet competitive travel insurance products supported by excellent service.

Travelsure Assist

Travelsure emergency assistance is provided by one of the regions leading assistance providers with our own medical and technical people based in New Zealand and Australia. We are also a member of the International Assistance Group which:

• provides travel assistance services for over 127 million policyholders per annum,
• manages over 351,000 travel assistance cases per annum,
• manages nearly 18,000 traveller evacuations each year, and
• employs over 5,300 travel emergency assistance specialists including doctors, nurses and case managers.

Financial Strength Rating

Insurance companies (Rating and Inspection) Act 1994.

The underwriter, Vero Insurance New Zealand Limited, has an A+ (Strong) insurer financial strength rating given by Standard and Poor's (Australia) Pty Ltd on 25 August 2004.

The Rating Scale is: AAA (Extremely Strong), AA (Very Strong), A (Strong), BBB (Good), BB (Marginal), B (Weak), CCC (Very Weak), R (Regulatory Action). The rating from 'AA' to 'CCC' may be modified by the addition of a plus or minus sign to show relative standing within the major rating categories.

 

Do I Need Travel Insurance?

A few facts from our clients:

In a six month period:

• 1 in every 8 of our clients with travel Insurance made a claim.
• The average claim was $805
• the highest claim was $880,007

Claims were made under most sections of the policy, the larger claims coming from:

• medical section (both accidents and sickness)
• lost or stolen or damaged luggage (mainly cameras or spectacles)
• cancellation fees
• rental car accident (claim for the vehicle excess)

On a national basis claims have included:

• Chile, Bag Theft - $3,390
• Samoa, Infant hospitalization and Specialist care, - $105,000
• Australia, Heart Attack - $2,500
• Indonesia, Surfing Accident - $4,000
• Fiji, acute Bowel obstruction - $56,000

Intensive care wards can cost $4500 per day - a surgery room can cost $3500 / Hour plus surgeons fees, plus, plus. The Reciprocal health agreements in Australia & the UK do not cover ambulance, specialist care, prescriptions, repatriation or private hospital costs (public hospital delays may necessitate you being treated in a private hospital). These agreements also do not cover the basic cost of a GP visit.

Cancellation fees can be up to 100 % - our highest claim was $19,000!!!.

Lost or stolen luggage - How much would it cost to replace your clothes, camera, video etc etc - claims of $5000- $10,000 are not uncommon.

Can you afford not to be covered?

 

View Schedule of Benefits
View Travelsure Options
View Travelsure Essentials

 

 

Money Saving Tips...

Australia and the UK do not have totally free reciprocal medical care. We have heard of claims up to $40,000 from Australia covering ambulance fees, specialist care, funerals etc . The reciprocal cover doesn’t cover all of that. Or any lost / stolen articles  you may lose on your trip. Or cancellation fees .. many short haul fares are non refundable and most long haul fares have huge cancellation fees. Yes even business class fares.