Because we understand how busy the life of a frequent traveller can be, we
created American Express Global Guardian. We also understand how a missed
connection, lost luggage, accident or illness can ruin an important trip or
spoil a well-earned holiday.
With Global Guardian, you'll have one less thing to organise every time you
travel. So you can rest assured that regardless of where, when or how many
times you take a trip for business or pleasure in a year, you'll be covered
automatically for journeys overseas up to 90 days at a time.
You can choose from 3 different levels of cover, either Superior, Deluxe or
Premier.
| Schedule of Benefits |
Superior $NZ |
Deluxe $NZ |
Premier $NZ |
| Overseas Medical Expenses* |
Unlimited |
Unlimited |
Unlimited |
| Additional Expenses* |
Unlimited |
Unlimited |
Unlimited |
| Overseas Dental Expenses* |
$5,000 |
$5,000 |
$4,000 |
| Cash for Hospital Stay ($50 per day) |
$15,000 |
$15,000 |
$10,000 |
| Credit Card Benefit |
$10,000 |
$10,000 |
$7,500 |
| Loss of Deposits & Cancellation* Charges* |
$30,000 |
$25,000 |
$20,000 |
| Missed Connection* |
$3,000 |
$3,000 |
$2,000 |
| Resumption of Journey* |
$7,500 |
$7,500 |
$5,000 |
Luggage and Travel Documents*
Including: Item Limit
Video & Electrical Equipment
Laptop Computers
|
$30,000
$2,000
$4,000
$6,000
|
$20,000
$2,000
$3,500
$5,000
|
$15,000
$1,500
$3,000
$4,000
|
| Replacement of Business Documents & Replacement Staff* |
$10,000 |
$10,000 |
$10,000 |
| Replacement of Money* |
$1,500 |
$1,500 |
$1,000 |
| Rental Vehicle Excess |
$2,500 |
$2,000 |
$1,500 |
| Public Transport Hijacking (limit 30 days) |
$1,000
per day
|
$1,000
per day
|
$750
per day
|
| Kidnap and Ransom |
$250,000 |
$250,000 |
$250,000 |
| Personal Liability |
$2,000,000 |
$2,000,000 |
$2,000,000 |
| Accidental Death and Disability |
$25,000 |
$15,000 |
$10,000 |
* Claims are subject to a NZ$100 excess.
|
|
Superior $NZ |
Deluxe $NZ |
Premier $NZ |
| Annual Premium |
|
|
|
| You Only |
$795 |
$595 |
$495 |
| You & Your Spouse/Family |
$1,145 |
$845 |
$695 |
Global Guardian Conditions:
-
Family includes Your Spouse/Partner and Dependent Children only when they
accompany You on Your journey. A Dependent Child is a person under 21 years and
is dependent upon You for maintenance and support.
-
Each trip period limited to 90 days.
-
If Family Plan is selected, the maximum amount payable for any one event is
equal to a maximum of two (2) people.
-
If the Policy does not suit your needs, you may cancel the Policy within the
first 14 days.
-
Global Guardian age limit for You to apply is 18 up to and including 69 years
of age.
Who is covered
To apply for this insurance you must be between the age of 18 and 69. If you
purchase cover for you and your spouse/partner and dependent children, they are
covered only when they accompany you on your journey. Your spouse/partner is
not covered if they are over 69 years of age.
Bonus - ACE Assistance
ACE Assistance is a 24-hour emergency referral service. In the event of a
medical or similar emergency, simply phone, reverse the charge and get
immediate help in locating medical assistance in your local area.
What Global Guardian will not cover you for
Some of the exclusions and limitations that apply to the policy are set out
below. Please refer to the American
Express Global Guardian Policy Wording
for full details of the exclusions and limitations.
Benefit Limitations Summary
| Overseas Medical and Emergency Dental Expenses |
-
ACE may fly you home if medical expenses are greater than the cost of a return
airfare (subject to medical advice).
-
Dental expenses are limited. Conditions apply, eg: treatment of tooth decay is
not covered.
-
ACE will deduct the cost of an economy one-way ticket if ACE return you home
and you do not hold a return ticket.
|
| Additional Expenses |
- Funeral or returning your body home - limit NZ$10,000
-
ACE will deduct the cost of an economy one-way ticket if ACE return you home
and you do not hold a return ticket.
|
| Loss of Deposits & Cancellation |
- NZ$100 maximum for travel agent’s cancellation fee.
-
No cover in certain circumstances, including: cancellation due to insufficient
numbers for trip/conference; cancellation due to government regulation; or,
cancellation due to the death/injury/sickness of any person living outside of
New Zealand.
|
| Cash in Hospital |
- You must be in hospital for at least forty-eight (48) hours.
- This is a daily allowance of NZ$50.
|
| Credit Card Benefit |
-
While on a Journey, if you suffer an Accidental Death, We will pay the amount outstanding on Your American
Express Card Account.
-
The maximum amount We will pay under Section
5 is the amount shown on Your Policy Schedule against Credit Card
Benefit.
|
| Missed Connection |
- Only applies for certain special events, eg. wedding or funeral.
|
| Luggage and Travel Documents |
- Exclusions for certain items when in cars and other forms of transport.
- General exclusions on all items in cars at certain times.
- Exclusions for unaccompanied luggage.
- Delayed Luggage Allowance is NZ$600 under Superior and Deluxe and NZ$500 under Premier.
|
| Replacement of Business Documents and Replacement Staff |
-
Does not cover consequential loss, expenses incurred in repairing or replacing
damaged or lost property.
- The exclusions for luggage above apply.
|
|
Replacement of Money
|
- Must be accidently lost or stolen from your person.
|
| Rental Vehicle Excess |
- You must take out comprehensive insurance offered by the rental company.
|
| Kidnap & Ransom |
- Reimbursement only – does not provide ransom money up-front.
-
Does not apply if kidnapping occurs in Mexico, Central or South America, or a
country where UN armed forces are present.
|
Accidental Death
& Disability
|
- ACE will pay the amount shown in your Policy Schedule upon your Accidental Death
- Upon the Accidental Death of a Dependant Child the maximum amount payable is NZ$1,000
-
ACE will pay the amount shown in your Policy Schedule for Permanent total loss of
sight in one or both eyes or the Permanent total loss of use of one or more limbs.
|
| Personal Liability |
-
Does not cover liability for injury, loss or damage caused in connection with
vehicles, aircraft or watercraft eg. Car accidents are not covered.
|
Please refer to the
Policy Wording for full details, as these are only some of the
events that are not covered by this insurance.
|
|
