Nil Excess Travel Insurance Options
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Nil Excess Options

What are your excess options?

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. The amount of excess also affects the cost of your policy.

At Worldcare you can choose to go with the standard $100 excess or reduce your policy premium by opting for a higher excess of $250. Alternatively, remove the excess altogether and pay an additional premium on your total policy. We designed the three excess amounts to give you the flexibility you require when selecting the best travel insurance to meet your needs.

Enter your travel details above and you’ll find the quote page allows you to quickly see that the change in excess means for your policy premium.

We provide insurance cover to you on the basis that you are a resident of New Zealand, you intend to return to New Zealand after your journey, you will purchase your policy in New Zealand before you start your journey and the start date on your policy reflects the date you leave your residence in New Zealand to start your journey. Full Terms and Conditions Apply.

This insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Global Assistance and underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 (Incorporated in Australia) trading as Allianz New Zealand. You should consider the Policy Wording before making any decisions about this travel insurance policy.

For further information on Allianz Australia Insurance Limited's financial strength rating, please refer to the following Financial Strength Rating and Overseas Policy Holder Preference Disclosure Notice.

Allianz Australia Insurance Limited has an AA- insurer financial strength rating given by Standard & Poor's (Australia) Pty Limited.

The rating scale* in summary form is:

AAA Extremely Strong, BBB Good, CCC Very Weak
AA Very Strong, BB Marginal, CC Extremely Weak
A Strong, B Weak, R Regulatory Action
Plus (+) or minus (-): Ratings from "AA" to "CCC" may be modified by the addition of a plus (+) or minus (-) sign to show relative standings within the major rating categories.
*A full description of the rating scale is available via www.allianz.co.nz/insurer-rating.

An overseas policyholder preference applies. Under Australian law, if Allianz Australia Insurance Limited 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 Allianz Australia Insurance Limited's Australian assets to satisfy New Zealand liabilities.