Mike Henry New Zealand Travel Insurance - Leisure policy
A superior policy for people who want to travel with total confidence
You’re somewhere in the world, and you haven’t a care to call your own. That’s because you’ve packed your Mike Henry Leisure Policy. It’s our most extensive policy - covering you for almost every situation, anywhere your travels may take you.
Application forms are available by contacting us, or you can download one.
Policy Benefits
Medical Conditions
Optional Extras
Policy Wording
Benefits
| Schedule of benefits for Leisure Travellers (maximum amounts payable) |
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BENEFITS FOR LEISURE,70 PLUS, DOMESTIC TRAVELLERS AND INCOMING TRAVELLERS |
BENEFITS FOR PERMANENT ONE-WAY TRAVELLERS |
| BENEFITS ARE IN NZ DOLLARS |
WORLDWIDE COVER SINGLE |
WORLDWIDE COVER FAMILY |
SINGLE |
FAMILY |
| CANCELLATION OF TRAVEL |
$100,000 |
$200,000 |
$5,000 |
$10,000 |
| TOUR CANCELLATION-PER PERSON |
$500 |
$500 |
NOT AVAILABLE |
NOT AVAILABLE |
| CURTAILMENT/INTERRUPTION |
$100,000 |
$200,000 |
$5,000 |
$10,000 |
| TRAVEL DELAY |
$UNLIMITED |
$UNLIMITED |
$500 |
$1,000 |
| MISSED CONNECTION |
$UNLIMITED |
$UNLIMITED |
NOT AVAILABLE |
NOT AVAILABLE |
| HIJACK COVER UP TO |
$5,000 |
$10,000 |
NOT AVAILABLE |
NOT AVAILABLE |
| LEGAL COSTS UP TO |
$10,000 |
$20,000 |
NOT AVAILABLE |
NOT AVAILABLE |
| CONTINUATION OF TRAVEL |
$10,000 |
$20,000 |
NOT AVAILABLE |
NOT AVAILABLE |
| MEDICAL EXPENSES |
$UNLIMITED |
$UNLIMITED |
$250,000 |
$500,000 |
| EMERGENCY DENTAL-RELIEF OF PAIN (PER PERSON PER POLICY) |
$750 |
$750 |
$500 |
$500 |
| DENTAL BY INJURY OVERSEAS |
$UNLIMITED |
$UNLIMITED |
$500 |
$500 |
| ESCORT TO NEW ZEALAND |
REASONABLE COSTS |
REASONABLE COSTS |
REASONABLE COSTS |
REASONABLE COSTS |
| BURIAL COSTS |
$15,000 |
$15,000 |
$10,000 |
$10,000 |
| HOSPITAL CASH BENEFIT UP TO (PER PERSON) |
$2,000 |
$2,000 |
NOT AVAILABLE |
NOT AVAILABLE |
| HIRE CAR RETURN |
$250 |
$250 |
NOT AVAILABLE |
NOT AVAILABLE |
PERSONAL BODILY INJURY UP TO
(16-80YEARS) |
$50,000 |
$100,000 |
NOT AVAILABLE |
NOT AVAILABLE |
IN-FLIGHT ACCIDENT INJURY UP TO
(16-69 YEARS) |
$100,000 |
$200,000 |
NOT AVAILABLE |
NOT AVAILABLE |
IN-FLIGHT ACCIDENT INJURY UP TO
(70-80 YEARS) |
$50,000 |
$100,000 |
NOT AVAILABLE |
NOT AVAILABLE |
LOSS OF INCOME UP TO
(16-64 YEARS) |
$3,000 |
$3,000 |
NOT AVAILABLE |
NOT AVAILABLE |
| LUGGAGE & PERSONAL EFFECTS |
$20,000 |
$40,000 |
$5,000 |
$10,000 |
| SINGLE ITEM LIMIT |
$1,000 |
$1,000 |
$500 |
$500 |
| VIDEO CAMERAS & STILL CAMERAS |
$2,500 |
$2,500 |
$500 |
$500 |
| MONEY |
$500 |
$1,000 |
$500 |
$1,000 |
| MISLAID LUGGAGE-PER ADULT |
$500 |
$500 |
$250 |
$250 |
| CREDIT CARD FRAUD |
$2,000 |
$2,000 |
$2,000 |
$2,000 |
| PERSONAL LIABILITY |
$2MILLION |
$4MILLION |
$250,000 |
$500,000 |
| RENTAL VEHICLE EXCESS |
$1,000 |
$1,000 |
NOT AVAILABLE |
NOT AVAILABLE |
Please Note: This is a summary of cover only and the policy is subject to terms and conditions, limits and exclusions that may not suit your requirements. We recommend you read the full policy wording. Values shown are maximum amounts payable (in New Zealand Dollars).
IMPORTANT NOTE: Not all policy benefits and benefit amounts are shown above. In some cases sub-limits apply or the benefits may not be available to you. Please refer to the applicable policy wording, or ask your travel agent or Mike Henry for help.
SINGLE POLICY - This covers one adult and their own financially dependent children or grand children and one other non-related financially dependent child aged 21 years or under (Up to 3 children - if you have more than 3 children please contact us at info@click-nz.com
FAMILY POLICY - This covers two adults and their own financially dependent children or grand children and up to two other non-related financially dependent children aged 21 years or under (Up to 5 children - if you have more than 5 children please contact us at info@click-nz.com
Medical Conditions
Just because you have a Pre-existing medical condition you are not necessarily excluded from purchasing a Mike Henry Travel Insurance policy. However, there are certain procedures that you must follow.
Do you have an Existing Medical Condition?
In the six months prior to or following your travel insurance application, have you, had any illness, injury or condition which:
- You are aware of
- You have taken medication for
- You have received treatment, check-ups or medical advice for
If you answer 'Yes' to any of the above questions, you have a Pre-Existing medical condition - please read the following
All Plan A & B Travellers
If you are purchasing a travel insurance policy to a Plan A or Plan B destination, then you must have a Medical Certificate completed by your doctor and sent to Mike Henry (NZ) Ltd for approval for any of the following conditions:
- Respiratory conditions
- Heart conditions
- Circulatory conditions
- Cancer
If cover is required for a Pre-Existing Medical Condition not mentioned, there is automatic cover once you have declared your condition on the application form and paid the $30 surcharge. You are not required to complete the medical certificate.
Click here for a medical certificate form
All Plan C Travellers
If you are travelling to a Plan C destination - Australia, New Zealand, South Pacific Islands and/or Bali, then your pre-existing condition can be automatically covered provided, you are fit to travel, the condition is declared on the insurance policy and the $40 automatic surcharge is paid. No medical certificate is required.
PLEASE NOTE COVER MAY BE DECLINED OR SPECIAL ACCEPTANCE TERMS MAY APPLY
NOTE TO ALL TRAVELLERS
Mild asthma is not classed as a Pre-Existing Medical Condition..
IMPORTANT NOTE: THERE ARE SOME CONDITIONS WE CANNOT COVER
- No cover for pregnancy after 28 weeks
- No cover available for terminal conditions
- No cover for psychosomatic, psychological, psychiatric, mental disorders, anxiety, depression, stress, dementia, or insanity
- No cover for sexually transmitted diseases, AIDS/HIV
- No cover for alcohol or drug abuse related illnesses
- No cover if you are travelling against medical advice, or you are travelling to seek treatment
- No cover for any condition you under investigation or on a waiting list for
Optional Extras
In addition to your standard Mike Henry Travel Insurance cover, we are also able to offer a variety of Optional Extras, at a small additional charge, to further extend your insurance cover, and help you travel with even more confidence and peace-of-mind!
DEPOSIT/TRAVEL CANCELLATION OPTION - $75 PER ADULT
If you are booking your trip now, but not paying the balance of your airfare until later we can cover you for cancellation fees and lost deposits with our Deposit Premium option. Please note should you have a Pre- Existing Condition, the surcharge must be paid, and (where applicable) the Medical Certificate must be completed and submitted to Mike Henry (NZ) Ltd for approval at the same time as the premium deposit option is taken. When you have paid for your airfares in full you need to purchase the balance of your travel insurance premium for full cover. Please see your Travel Agent or contact us if you wish to purchase this option.
RENTAL VEHICLE EXCESS OPTION
You have the option to increase the standard rental vehicle excess cover from $1,000 to $4,000 for an additional premium of $10 per day, for each day that the vehicle is rented. To be eligible for this cover the vehicle must be rented from a licensed rental vehicle agency in the name of one of the insured persons. The Rental Vehicle Excess Cover can only be taken at the time you purchase your insurance and dates of hireage must be specified on the insurance policy. No refunds are available if the cover is not used.
SPECIFIED ITEMS
If you are travelling with any item or sets of items valued over $1,500, we can insure it for an extra premium, based on 2% of the full current market value. Valuations are required. Video cameras are covered free of charge up to $2,500. The maximum amount we can cover for any one item is $5,000, and the maximum for all specified items is $15,000. Please note all applicable information on the application form.
SPORTING ACTIVITIES
We can cover most tourist and sporting activities under this policy. Please refer to the policy wording for exclusions. If you are participating in any high risk or competitive sporting activities we may be able to arrange cover through another insurance programme. Please notify your travel agent or contact us if you intend to participate in any sporting activity - you will be advised if this can be covered.
PERMANENT ONE-WAY TRAVELLERS
If you are intending to leave New Zealand to live permanently overseas or you are an overseas resident returning home, cover can be offered under this policy, however, special terms apply:
o Plan A must be purchased regardless of destination.
o No cover for Pre-Existing Medical Conditions or items over $500.
o Maximum period of six months consecutive travel.
Please refer to the full Policy Wording, as there are special terms and conditions that apply.
DOMESTIC AND INBOUND TRAVELLERS TO NEW ZEALAND
If you are travelling around New Zealand we can provide cover under Leisure and Young at Heart Travel Insurance.
o Select the Plan that relates to your home country.
o We will also cover Inbound Travellers for a maximum transit period of up to 72 hours from your home country to New Zealand and return.
There is no cover for Pre-Existing Medical Conditions or Specified Items for Domestic and Inbound Travellers.
Please refer to the full Policy Wording, as there are special terms and conditions that apply to Domestic and Inbound Travellers.
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