: Policies often have "sub-limits" for electronics and jewelry (e.g., $1,500 total). If you are carrying expensive gear, you may need to specify these items individually for an extra fee.
: Incidents occurring while under the influence are standard exclusions across nearly all NZ providers. travel insurance in nz counsel
According to Consumer NZ and ICNZ , several common traps can invalidate a claim: : Policies often have "sub-limits" for electronics and