When considering the purchase of a policy, please note that many travel insurance policies will not cover claims or financial losses related to epidemics or pandemics. Additionally, the fear of traveling is not covered by any travel insurance policy. Please review the policy details or contact us for more information.
Nil Excess Travel Insurance Options
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What is an excess?

Most insurance policies have an excess, or a ‘deductible’ as part of your cover. This means that when you claim, the insurer first removes the excess from any amount they will pay you as part of the settlement. Your chosen excess will also affect the cost of your policy.

Worldcare Travel Insurance Excess

When you select a Worldcare Travel Insurance plan, you can adjust the excess levels to suit your preference. An excess, as stated in your Certificate of Insurance, will be deducted from our settlement if you make a claim (unless a higher excess has been imposed on your cover by us and confirmed to you in writing). The excess applies under this Policy Wording to each separate event giving rise to a claim. There will be no excess charged if you have purchased and paid premium for a No Excess Policy. This will also be shown on your Certificate of Insurance. Your Certificate of Insurance will be issued to you as confirmation of cover.

Worldcare Travel Insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners (FSP758611) and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia) ("Hollard"). AWP Services New Zealand Limited holds a Financial Advice Provider (FAP) licence issued by the Financial Markets Authority. Read AWP Services New Zealand Limited FAP Disclosure statement here. You should consider the Policy Wording before making any decisions about your insurance policy.

The Hollard Insurance Company Pty Limited – Financial Strength Rating and Overseas Policyholder Preference Disclosure Notice

The Hollard Insurance Company Pty Ltd has a financial strength rating of A- (Excellent) issued by A.M.Best Company Inc. The rating scale is:

A++,A+(Superior)
C++, C+(Marginal)
E(Under Regulatory Supervision)
A, A-(Excellent)
C, C-(Weak)
F(In Liquidation)
B++, B+(Good)
D(Poor)
S(Suspended)
B, B-(Fair)

Further information on these ratings is available here.

An overseas policyholder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.

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