Understanding This Policy
To help You understand some of the terms used in this Policy here are some of the meanings: The definition means (unless the context otherwise requires):
"Default" "Error" Where the travel agent, tour operator, wholesaler, accommodation provider, transport provider or any other person acting on Your behalf who has organised Your travel arrangements has failed to fulfil their obligation to You for Your travel arrangements.
"Event" A happening which is totally beyond Your control and is sudden, unforeseeable, unexpected and unintended.
"Excess" The amount You have to pay in the event of a claim.
"Financial Default" Insolvency, bankruptcy, provisional liquidation, liquidation, financial collapse, appointment of a receiver, manager or administrator, entry into any official or unofficial scheme of arrangement, statutory protection, restructuring or composition with creditors or the happening of anything of a similar nature under the laws of any jurisdiction.
"Pre-Existing Medical Condition" Within 6 months prior to or following this travel insurance application: Any chronic condition, illness, Bodily Injury that You are aware ofor have sought treatment, medication, or hospitalisation for. Any condition which requires regular checkups or You take prescribed medication for or any preventative measures or allergic conditions.
"We" Mike Henry Travel Insurance, a business division of IAG New Zealand Limited.
"You" and "Your" The insured person(s) named on this policy document.