Full Brochure - STA Travel Hub

TRAVEL INSURANCE
TRAVEL
INSURANCE
CHOOSING THE RIGHT POLICY
When choosing a policy, it’s really important to
understand what it does and doesn’t cover. While
some policies may appear to be the same, quality
cover is more than just high policy limits.
A good policy will provide cover for more than
just your luggage - it will provide cover for the
costs of you having to unexpectedly cancel
or amend your trip, emergency evacuations,
transport, accommodation and medical costs
should you become ill or get injured overseas.
Most importantly, it will give you access to 24
hour emergency assistance should you require
evacuation for medical treatment.
Make sure you check policy luggage item limits;
you might find that you need to purchase
additional cover for valuable items (e.g. a new
camera). Also, check what excess you will be
liable for in the event you need to make a claim -
all our international policies give you a choice of
excess, including a $nil option, which means no
excess will apply.
Like all insurance, there are conditions and
exclusions that apply to our cover. The
information below is a summary only of the cover
available. For full details of about what we do
and don’t cover under each plan and the benefit
limits and sub-limits that apply, please read the
Product Disclosure Statement.
WHY TAKE OUT STA TRAVEL INSURANCE?
No two travellers are the same. That’s why we’ve
created a policy that lets you do more...
24 hour emergency assistance
Access to our 24 hour emergency assistance
team for overseas medical emergencies and
evacuations, help with hospital bills and
assistance should you lose your passport or
travel documents.
New for old replacement
Replacement or repair of lost, stolen or damaged
items including mobile phones, tablets, personal
computers and cameras.
Policy extensions
You can see all four corners of the globe on the
one policy and if you decide to stay longer, you can
purchase a new policy for up to 12 months through
STA Travel prior to expiry of your original policy.
Adventure activities
We automatically cover loads of adrenalin
pumping activities, which means you can
experience heaps more with less stress! You
are also automatically covered for skiing,
snowboarding, moped riding and motorcycle
riding without any additional cost.
Working holidays and studying abroad
Planning on working or studying overseas?
No problem - we cover working holidays and
overseas study.
TOUR CANCELLATION
If your selected tour is cancelled due to
insufficient numbers, we’ll cover amendment
fees to help rearrange your trip and get you on
your way.
Cover for existing medical conditions
We cover a range of pre-existing medical
conditions at no additional charge. A medical
assessment process is available for customers
with conditions or circumstances that fall
outside the specified criteria for automatic
cover. If accepted, other pre-existing medical
conditions will be covered by paying an
additional premium.
THE COVER YOU CAN EXPECT
No complicated plans to choose from - just great
cover you can rely on. Here are some of the
inclusions you can expect with your STA Travel
Comprehensive International Cover:
• Unlimited overseas medical and dental cover
• Unlimited cancellation cover
• Unlimited additional expenses cover
• Access to 24 hour emergency assistance
Plus, cover for:
• Luggage and travel documents (including
sporting equipment while in use)
• Delayed luggage allowance
• Money
• Travel delay expenses
• Hospital incidentals
• Hijacking
• Loss of income
• Disability
• Accidental death
• Personal liability
Regardless of your destination, travel insurance is one of
the most important decisions you’ll make when arranging
your holiday. Imagine being sick or injured in a foreign
country where you don’t speak the language. Or worse
still - imagine being refused medical treatment until an
insurance company can guarantee your medical bills. It’s
a scary thought, but these kinds of things happen all too
often, all over the world. Having a 24 hour emergency
assistance team of experienced doctors, nurses and
case managers to call on is why having the right travel
insurance is so important. It gives you peace of mind.
CHOOSE EXTRAS THAT SUIT YOU
Just like making your own playlist to suit your
mood, you can customise your STA Travel policy
to suit your trip.
CHOOSE AN EXCESS
The higher the excess you choose, the lower your
premium will be. You can choose between a nil,
$100 or $250 excess.
RENTAL VEHICLE INSURANCE EXCESS COVER
Hiring a car or a campervan? Don’t want to pay
a massive excess if you have an accident? You
can purchase $5,000 of Rental Vehicle Insurance
Excess Cover by paying an additional premium.
ANNUAL MULTI-TRIP COVER
If you plan on getting away a few times over the
next 12 months, you might like to consider this
great value cover - a 12 month policy that covers
any number of trips (you choose your maximum
number of days per trip).
TOP TIPS
• Don’t risk it. Get travel insurance.
• Don’t leave travel insurance to the last minute.
Remember, when you purchase a policy with
STA Travel, cancellation cover starts from the
time you take out the cover.
• Ask for your emergency assistance card and
keep it with you at all times while you’re away.
• Read the Policy Wording and ask your STA
Travel Adviser if you have any questions.
MORE INFO
For more information chat to your STA Travel
Adviser or go to
www.statravel.co.nz/nz-travel-insurance.htm
This insurance is issued and managed by AGA Assistance Australia
Pty Ltd ABN 52 097 227 177 (Incorporated in Australia) trading
as Allianz Global Assistance and is underwritten by Allianz
Australia Insurance Limited ABN 15 000 122 850 (Incorporated in
Australia) trading as Allianz New Zealand. STA Travel (NZ) Limited
Company No. 296025 arranges this insurance as an agent of
Allianz Global Assistance. You should consider the Policy Wording
before making any decisions about this product.
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