In addition to your standard Mike Henry Travel Insurance cover, we are also able to offer a variety of Optional Extras, at a small additional charge.
PERSONAL SPECIFIED ITEMS
If you are travelling with any item or sets of items valued over $1,000, we can insure it for an extra premium. Valuations are required. Video cameras and cameras are covered free of charge up to $2,500. The maximum aount we can cover for any one item is $5,000, and the maximum for all specified items is $15,000. Please note all applicable information on the application form.
BUSINESS SPECIFIED ITEMS
If you are travelling with any business equipment or trade samples, we can insure them automatically up to $5,000 for any one item and up to $15,000 in total for more than one item. If you require cover for any items valued over $5,000 please advise your agent and special cover can be arranged.
RENTAL VEHICLE EXCESS OPTION
Our policy provides you with a standard Rental Vehicle Excess Cover of $3,500 with an excess of $300 that applies to each and every claim. You can reduce the excess to $100 and increase cover to $4,000 for an additional premium. To be eligible for this cover the vehicle must be rented from a licensed rental vehicle agency in the name of one of the insured persons. The rental vehicle excess cover must be purchased prior to departure and the dates of hire must be specified on the insurance policy. No refunds are available if the cover is not used.
INCREASED PERSONAL BODILY INJURY COVER
If you wish to increase the beneifit for Personal Bodily Injury, special cover can be arranged. You can increase the standard Personal Bodily Injury cover from $100,000 up to a maximum of $400,000. The additional premium is calculated per person, per additional $100,000 purchased.
MANUAL WORKERS EXTENSION
If you would like cover for any manual work in connection with your business while overseas advise your agent of the type of activity, as there may be special terms, conditions and surcharges that apply.
INDIVIDUAL ANNUAL POLICY OPTION
For people who tavel regularly during the year this option offers an annual policy with no limit on the number of journeys taken during the year, but the maximum length of any single trip is 120 days. However, if you find you do need cover for longer than 120 days this can be arranged by paying an extra monthly premium. This option will also cover you for up to 21 days of leisure travel during the year, and will cover you own financially dependant children and grandchildren aged 21 years or under, free of charge when they travel with you. Note: You need to inform us of any new medical conditions or any changes to your accepted medical condition prior to each trip.
SMALL BUSINESS POLICY OPTION
This option is specifically designed to cover small businesses where two or more staff members travel regularly overseas each year. The minimum amount of cover to be purchased is 40 days and unlike most other option you only pay for the amount of days that the business travellers utlise. The advantage of this policy is that you only pay for the total days travelled for the company. Your agent can provide you with a quote to suit your company's needs.