IMPORTANT INFORMATION REGARDING COVID-19

• Where there are no applicable advisories issued by the New Zealand government or a New Zealand government agency (such as MFAT) to “Do not travel overseas” or “Do Not Travel” or that borders are closed, this Policy will provide limited cover for costs incurred from having to cancel Your Journey or One Way Trip to an approved country because You contracted Coronavirus Disease 19 (COVID-19). The Policy also provides limited cover for Journey curtailment, overseas medical expenses, and mortal remains repatriation because You contracted COVID-19 in an approved country. The list of approved countries is specified below. See Section 19 – COVID-19 Cover of this Policy for full details of the cover, as well as the limits that apply as specified in the Schedule of Benefits.
• Apart from the limited cover provided in Section 19 – COVID-19, this Policy does not cover and We will not (under any other section of the Policy) pay for claims of any kind directly or indirectly arising from, relating to or in any way connected with the Coronavirus Disease 19 (COVID-19) (or any mutation or variation thereof) and/or its outbreak. To the extent that any term or condition in the Policy may be inconsistent with this exclusion, this exclusion shall prevail.
• The approved countries are: Australia, Armenia, Azerbaijan, Bahrain, Bangladesh, Bhutan, Brunei, Cambodia, China, Fiji, Georgia, Hong Kong, India, Indonesia, Iraq, Israel, Japan, Jordan, Kazakhstan, Kuwait, Kyrgyzstan, Laos, Lebanon, Macao, Malaysia, Maldives, Marshall Islands, Micronesia, Mongolia, Myanmar, Nepal, New Zealand, Northern Cyprus, Oman, Pakistan, Palestine, Papua New Guinea, Philippines, Qatar, Samoa, Saudi Arabia, Singapore, Solomon Islands, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor, Turkey, United Arab Emirates, Uzbekistan, Vanuatu, Vietnam and Yemen.