Why do I need it? Even the best-planned holidays can sometimes go unexpectedly wrong. If you're insured with the Comprehensive Plan from Capital Financial Services, any problems can be quickly and efficiently solved. And importantly, you won't suffer large, unexpected financial loss. It is essential that you choose the right type of travel insurance to cover your needs. We can help you make this selection. Full details of the Travel Insurance, cover and exclusions are available from Capital Financial Services Limited as agent for Comprehensive Travel Insurance.     When should I pay for it? The time to purchase your travel insurance is before you pay a deposit for your travel in case you should have to cancel your trip due to unforeseen circumstances. If you pay for your insurance at the deposit stage, you will be covered immediately for Loss of Deposits/Cancellation, the rest of your cover starting on the commencement date of your overseas travel.     How should I pay? Simply download the Application Form - COMPREHENSIVE POLICY and complete it. You as the insured are required to personally sign the Application Form. Capital Financial Services Limited will confirm cover to you and inform you of the exact premium payable. You will then be required to forward to them a cheque to cover this. THE PREMIUM MUST BE PAID FOR THE INSURANCE TO BE EFFECTIVE     Comprehensive policy This superior comprehensive product has substantial benefits covering most hazards. Your cover includes: You will be covered for Loss of Deposits/Cancellation of your prepaid costs IMMEDIATELY after your policy is paid for, at no extra cost. You can get a refund of the unused portion of your premium if you decide to cancel your policy before you depart for overseas (provided no claim has occurred). You can enquire about anything that you do not understand in our Policy wording. You can arrange for EXPENSIVE ITEMS of baggage or personal belongings to be insured. If you have a pre-existing medical condition you can apply to have this in insured by ringing the MEDICAL HOTLINE on 0800 800 357. You will receive immediate assistance for any emergency worldwide, 24 hours a day, 7 days a week. You will get your claim settled PROMPTLY and EFFICIENTLY. You will have an EXPERIENCED New Zealand doctor appointed to liaise with you and your attending doctors overseas in a serious medical emergency. Your hospital bill can be GUARANTEED by the Insurers in cases of hospitalisation. You can be REPATRIATED to New Zealand with a trained medical escort.     Emergency Assistance - 24/7 If you do become ill or have an accident overseas, the last thing you need is a long wait for help. An emergency team consisting of experienced New Zealand doctors, nurses and travel insurance specialists are on hand to help you at all times and can assist you with:  a medical emergency lost or stolen baggage legal problems lost or stolen money, passports, travel documents plus many more All you need to do is ring the emergency number on your Emergency Card.     Premium DURATION WITH EXCESS NO EXCESS 3 days 5 days 8 days 10 days 12 days 15 days 17 days 21 days 23 days 31 days 45 days 2 months 3 months 4 months 5 months 6 months 7 months 8 months 9 months 10 months 11 months 12 months Additional Daily Rates Frequent Flyer $72 $86 $106 $119 $133 $146 $154 $175 $193 $215 $249 $289 $321 $358 $388 $428 $471 $501 $578 $628 $678 $730 $6 $389 $87 $101 $121 $134 $148 $161 $169 $190 $208 $230 $269 $309 $341 $378 $408 $448 $496 $526 $603 $653 $703 $755 $7 $409     DESCRIPTION LIMIT   Medical and Other Expenses 24-Hour Emergency Assistance Follow on Medical Treatment in NZ Accompanying Person Pre-Existing Medical Cover Option Private Hospital Care Option Incidental Hospital Expenses Funeral Expenses Dental Treatment - Pain Relief Dental Injury Loss of Deposit/ Cancellation Curtailment Travel Delay/ Missed Connection Strikes and Hijacks Tour Operator/ Transport Collapse, etc Resumption of travel Personal Baggage - Item Limit Personal Baggage - Total Limit Specified Items Option - Total Limit Emergency Baggage Video Camera Money Travel Documents Rental Vehicle Excess Accidental Death Travel Accident Permanent Disablement Personal Liability Legal Costs Wrongful Arrest Unlimited Unlimited $1,500 Reasonable Costs Available Available (UK) $3000 $15,000 $500 $1,500 $100,000 $100,000 $5000 $5,000 $4,000 $5,000 $1,000 $10,000 $50,000 $1,000 $2,500 $500 $3,000 $1,000 $50,000 $50,000 $50,000 $1,000,000 $500,000 $2,500     If you are unsure would like more information please email: capital@anet.co.nz. Click here to view and print an application form to get your travel insurance. (The form must be signed so can not be sent electronically). Insurance is available for 3 days to 12 months - to assist you to calculate the premium, you should take the number of days/months below the period you want and for each additional day add $6.00. e.g. for 20 days the premium is estimated to be not more than $179.00 (10 days premium is $119 plus 10 days @ $6 per day). The premiums quoted are based on: An INDIVIDUAL being one person plus up to 2 DEPENDANT CHILDREN under 21 years of age who are not self supporting. LOSS OF DEPOSITS/CANCELLATION cover starts as soon as pay for your policy. CHANGE OF HEALTH - after you have purchased your policy you must inform the MEDICAL HOTLINE on 0800 800 357 of any change of health that occurs before you depart n your trip. The insurer is not obliged to insure this change. An excess on the policy of $75 per event - you may arrange, for an additional premium to have a NO EXCESS policy.   The Insurer Comprehensive Travel Insurance is a member of The National Insurance Company of New Zealand Limited and it has an "A" (Good) claims paying rating reaffirmed by Standard & Poor's (Australia) Pty Limited on 8th May 1998. Comprehensive Travel Insurance commenced operation in 1973 marketing a range of travel insurance products. Together with it's underwriter, National Insurance, it offers excellence in both product and service to travellers worldwide.   The Agent Capital Financial Services Limited is the agent and in that capacity it arranges the policy on your behalf with the insurers. It takes no other part in this transaction other than arranging the policy with the insurer.   Plan Under PLAN C as covered here, the destinations that you visit can include: Vietnam, UK, Thailand, Sri Lanka, South Pacific, South & Central America, Singapore, Philippines, Pakistan, Nepal, Mongolia, Middle East, Malaysia, Korea, Ireland, Indonesia, India, French Polynesia, China, Brunei, Bali, Australia, Africa and up to 6 days in USA, Japan, Hawaii, Europe, Canada or Antarctica. For details of premiums for other destinations, simply complete the application form and submit it taking particular care to advise the destination and duration details. Premiums correct at May 2000.