BNZ Advantage Visa Platinum and BNZ Advantage Visa Business Credit Card International Travel Insurance (‘Insurance’) is subject to the terms, limits, sub-limits, conditions, exclusions (for example business travel, age limitations etc.) and activation criteria contained in the policy document. You should read the Policy Wording and Schedule of Benefits considering your personal circumstances, prior to making any decision to acquire the product. The Insurance is provided to BNZ Advantage Visa Platinum and BNZ Advantage Visa Business cardholders by Zurich Australian Insurance Limited, incorporated in Australia, ACN 000 296 640, trading as Zurich New Zealand (‘Zurich New Zealand’) under an agreement with BNZ. BNZ does not underwrite the Insurance, is not an agent of Zurich New Zealand, and does not guarantee the obligations of Zurich New Zealand. Premiums are payable for policy extensions such as pre-existing medical conditions, cruises, duration extension and specified items.