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On this page you can view your Schedule of Benefits for a quick summary of available cover and download your policy wording for the full terms, conditions and exclusions that will be applicable to your trip.
To view the Schedule of Benefits for your applicable card click the +. This is a summary only and all cover is subject to the terms, conditions and exclusions included in the full policy wording.
Download the pdf policy wording for your applicable card and carefully read that document to understand what you are, and what you are not covered for during your trip.
If you are a dual holder of Advantage Visa Platinum and Advantage Visa Business card types then you should refer to Part 1 and Part 2 of the Advantage Visa Platinum policy document.
The compensation, Sum Insured and limit of liability applicable under each section of this policy, for insured persons for each journey.
The Maximum Amount Payable |
|||
|---|---|---|---|
| Age limits are applied to your age at the date of departure for your journey | |||
Benefit Section |
Policy Benefits |
Sum insured(For persons under 75 years of age) |
Sum insured(For persons aged 75-89 years) |
A* |
Travel cancellation before your journey starts | Unlimited | $5,000 per person* |
| Travel agent’s cancellation fees | $500 per journey | $500 per journey | |
B* |
Travel cancellation after your journey starts | Unlimited | $5,000 per person* |
| Travel agent’s cancellation fees | $500 per journey | $500 per journey | |
C* |
Overseas medical expenses | Unlimited** | Not covered# |
| Bed care | $5,000 per person | Not covered# | |
| Sublimit: | $50 per continuous 24-hour period | ||
| Accompanying person | Unlimited | Not covered# | |
| Repatriation of mortal remains or funeral at place of death | $20,000 | Not covered# | |
| Ongoing medical expenses in New Zealand | $1,000 per person | Not covered# | |
D* |
Unexpected travel expenses | Unlimited | $5,000 per person* |
E |
Travel delay | $750 per person $1,000 per family |
$750 per person $1,000 per family |
| Sublimit: per continuous 12 hour period, | $250 per person and $500 per family | $250 per person and $500 per family | |
F* |
Luggage, personal belongings and travel documents | $10,000 per person $20,000 per family |
$10,000 per person $20,000 per family |
| Sublimits: Limit any one item $2,000 |
$2,000 | $2,000 | |
| Increased limit any one item – laptops only | $6,000 | $6,000 | |
| Emergency replacement of luggage | $300 per person $600 per family |
$300 per person $600 per family |
|
G* |
Overseas rental vehicle hire | $5,000 per journey | $5,000 per journey |
H* |
Accident lump sum benefits and Loss of income | ||
| Accidental death | $100,000 for the BNZ Advantage Visa Platinum Cardholder $50,000 for the BNZ Advantage Visa Platinum Cardholder's accompanying spouse | $100,000 for the BNZ Advantage Visa Platinum Cardholder $50,000 for the BNZ Advantage Visa Platinum Cardholder's accompanying spouse | |
| Accidental death and Disablement Common Carrier | $1,000,000 for the BNZ Advantage Visa Platinum Cardholder and/or accompanying spouse | $100,000 for the BNZ Advantage Visa Platinum Cardholder and/or accompanying spouse ^ | |
| Loss of income (due to an injury) | Up to $1,000 per week to a maximum of 3 months | Not covered ^ | |
I |
Special event missed connection | $2,000 per person | $2,000 per person |
J* |
Personal liability | $2,500,000 per person | $2,500,000 per person |
K* |
Unlawful detention | ||
| Hijack | $6,000 per person | $6,000 per person | |
| Sublimit: per continuous 24 hour period, | $100 per person | $100 per person | |
| Kidnap and ransom | $250,000 per person | $250,000 per person | |
L* |
Epidemics and Pandemics | ||
| Cancellation | $100,000 per person | Not covered# | |
| Overseas medical expenses | $350,000 per person | Not covered# | |
# Persons aged 75 – 89 years may apply to remove the age limit to these benefits online at bnztravel.co.nz with Mature Traveller Medical Cover purchases for each and every trip. If cover is accepted the maximum amount payable will default to the limit shown for persons under 75 years of age.
^ Purchase of Mature Traveller Medical Cover does not remove the age limit for any Mature Age Traveller for this benefit.
~ Purchase of Mature Traveller Medical Cover does not remove the age limit for Mature Age Travellers 90 years and over (if we accept your Mature Traveller Medical Cover application when you are 90 years or over, benefit section H will be the only excluded section and all other benefits will default to the limit shown for persons under 75 years of age).
* There is a $200 excess for each and every claim arising from the same event under this section
** Limited to 24 months after the accidental injury or illness occurred.
The Maximum Amount Payable |
|||
| Age limits are applied to your age at the date of departure for your journey | |||
Benefit Section |
Policy Benefits |
Sum insured(For persons under 75 years of age) |
Sum insured(For persons aged 75-89 years) |
|---|---|---|---|
A* |
Travel cancellation before your journey starts | Unlimited | $5,000 per person* |
| Travel agent’s cancellation fees | $500 per journey | $500 per journey | |
B* |
Travel cancellation after your journey starts | Unlimited | $5,000 per person* |
| Travel agent’s cancellation fees | $500 per journey | $500 per journey | |
C* |
Overseas medical expenses | Unlimited** | Not covered# |
| Bed care | $5,000 per person | Not covered# | |
| Sublimit: | $50 per continuous 24-hour period | ||
| Accompanying person | Unlimited | Not covered# | |
| Repatriation of mortal remains or funeral at place of death | $20,000 | Not covered# | |
| Ongoing medical expenses in New Zealand | $1,000 per person | Not covered# | |
D* |
Unexpected travel expenses | Unlimited | $5,000 per person* |
E |
Travel delay | $750 per person $1,000 per family |
$750 per person $1,000 per family |
| Sublimit: per continuous 12 hour period, | $250 per person and $500 per family | $250 per person and $500 per family | |
F* |
Luggage, personal belongings and travel documents | $10,000 per person $20,000 per family |
$10,000 per person $20,000 per family |
| Sublimits: Limit any one item $2,000 |
$2,000 | $2,000 | |
| Increased limit any one item – laptops only | $6,000 | $6,000 | |
| Emergency replacement of luggage | $300 per person $600 per family |
$300 per person $600 per family |
|
G* |
Overseas rental vehicle hire | $5,000 per journey | $5,000 per journey |
H* |
Accident lump sum benefits and Loss of income | ||
| Accidental death | $100,000 for the BNZ Advantage Visa Platinum Cardholder $50,000 for the BNZ Advantage Visa Platinum Cardholder's accompanying spouse | $100,000 for the BNZ Advantage Visa Platinum Cardholder $50,000 for the BNZ Advantage Visa Platinum Cardholder's accompanying spouse | |
| Loss of income (due to an injury) | Up to $1,000 per week to a maximum of 3 months | Not covered ^ | |
I |
Special event missed connection | $2,000 per person | $2,000 per person |
J* |
Personal liability | $2,500,000 per person | $2,500,000 per person |
K* |
Unlawful detention | ||
| Hijack | $6,000 per person | $6,000 per person | |
| Sublimit: per continuous 24 hour period, | $100 per person | $100 per person | |
| Kidnap and ransom | $250,000 per person | $250,000 per person | |
L* |
Epidemics and Pandemics | ||
|
|
Cancellation | $100,000 per person | Not covered# |
| Overseas medical expenses | $350,000 per person | Not covered# | |
# Persons aged 75 – 89 years may apply to remove the age limit to these benefits online at bnztravel.co.nz with Mature Traveller Medical Cover purchases for each and every trip. If cover is accepted the maximum amount payable will default to the limit shown for persons under 75 years of age.
^ Purchase of Mature Traveller Medical Cover does not remove the age limit for any Mature Age Traveller for this benefit.
~ Purchase of Mature Traveller Medical Cover does not remove the age limit for Mature Age Travellers 90 years and over (if we accept your Mature Traveller Medical Cover application when you are 90 years or over, benefit section H will be the only excluded section and all other benefits will default to the limit shown for persons under 75 years of age).
* There is a $200 excess for each and every claim arising from the same event under this section
** Limited to 24 months after the accidental injury or illness occurred.
BNZ Advantage Visa Platinum Credit Card Travel Insurance and BNZ Advantage Visa Business Credit Card Travel Insurance (‘Insurance’) is subject to the terms, conditions, exclusions (for example business travel, age limitations etc.) and eligibility criteria contained in the policy document. You should read the policy document to make sure that the Insurance meets your needs. The Insurance is provided to Platinum Advantage and Business Advantage cardholders by AIG Insurance New Zealand Limited (‘AIG’) under an agreement with BNZ. BNZ does not underwrite the Insurance, is not an agent of AIG, and does not guarantee the obligations of AIG. Premiums are payable for policy extensions such as pre-existing cover, duration extension and specified items.
This portal is owned and managed by AIG for the purposes only of delivering AIG insurance services. BNZ does not have access to this portal, does not collect any personal information via this portal and has no liability in relation to this portal. For more information about AIG’s privacy practices, please check AIG’s privacy statement at www.aig.co.nz/privacy-policy.
The AIG Logo is a registered trademark. Insurance products and services are provided by AIG Insurance New Zealand Limited. Terms, conditions and exclusions apply. You should read the Policy Wording and Schedule of Benefits considering your personal circumstances, prior to making any decision to acquire the product.
