Disclosure Statement - Terms and Conditions

Your adviser is required to provide a personalised copy of their disclosure statement when you start doing business them. A generic copy of our disclosure statement follows.

The international health insurance companies that Global Albatross works with are licensed and registered in other countries and are bound to the laws and regulations of those countries. All insurers provide disputes resolution schemes. Any complaints about an insurer need to be submitted through the resolution services in the country in which they are registered. In the unlikely event that a complaint needs to be submitted to an insurer, Global Albatross will assist.

Global Albatross is a New Zealand registered Financial Service Provider – FSP number: FSP465706.

Global Albatross is also a participant of the Insurance & Financial Savings Ombudsman Scheme, membership number 2001680.


Terms of use

Use of this website is permitted with your agreement to comply with and be bound by all of the following terms and conditions without reservation. These ‘Terms of Use’ and our ‘Privacy Statement’ govern all use of and access to Globalalbatross.com. From here on out, “we/us” shall refer to and represent Global Albatross the company, while (“The/This Website”) shall represent globalalbatross.com along with its pages, texts, images and content.

You may not access or use this website if you refuse to be bound by these ‘Terms of Use’. Terms and conditions may at any time be revised, and all revisions become effective immediately. Any continued use of this website shall be considered to be an acceptance of the newly revised terms and conditions. You furthermore accept the posting of any amended terms and conditions by us to this website as sufficient notification of any such change, as revisions may be made without direct notification to you.

If we choose to correspond via telephone or email we have the right to record conversations for quality assurance reasons, training purposes and the prevention of fraud. Commitment to these communication methods represents consent on your part to any such recordings.

Any unlawful or void provisions found within these ‘Terms of Use’ shall be deemed invalid without effect to the validity or enforceability of the remaining provisions. Please send your questions via email to [email protected] if you have any issues with these terms and conditions.

Global Albatross remuneration

Global Albatross is remunerated for its services by the receipt of commission paid by health and travel insurers. Your agreement to proceed with health or travel insurance through us shall constitute your consent to the receipt of commission by the company. 

Where an individual or company engages Global Albatross’s services or gains advice without proceeding with a policy purchase, we reserve the right to apply a fee for the services and specialist advice rendered. Fees will consist of adviser time and any disbursements, such as international calling charges, incurred by the company. Any unpaid invoices will incur default interest charges at the rate equal to 5% per annum above the BNZ Bank commercial overdraft rate and also incur debt collection costs.

Availability and accuracy

Global Albatross does not guarantee defects to be remedied or a virus-free website if technical matters interrupt or cause errors in attempts to access this website. All content and information on this website was accurate at the time of publication and sourced and collected from publicly available locations. Any materials provided are on an ‘as is’ basis. None of the information, content, tools, materials or uploaded articles on this website constitute an official offer of health or travel insurance to you.

Any use of materials on this website is done so at the user’s own risk and we are not liable for any damage caused to property, loss of data, computer viruses, infections or any other forms of malicious software as a result. Should an unauthorised third party edit or alter any content or material on this website we will accept no liability to such damage caused. We do not make any representation regarding the full functionality or reliability of the materials on this website.

Maintenance or any other necessary repairs may limit or suspend access to the website without warning or notice to you. Global Albatross will not be held liable should any of your own content or material be lost when uploading it through this website. We do not offer a guarantee on the availability or the provision of any suggested product and retain the right to withdraw or reject an application for any policy. Any errors found on this website cannot be used to hold Global Albatross liable for any direct or indirect economic losses or loss of revenues, data, profits or damage suffered.

Website links

Global Albatross makes no representations about any other websites that you access through this website or websites that link through this one. Links may not be made to this website without approval from us. Please direct requests to [email protected]. Links accessible through this website are to locations that may not be under the control of Global Albatross, and you understand that all dealings with third-party website operators shall be on the terms and conditions of the third party operator. Visiting any external links is done so at your own risk. We are not responsible for any loss or damage suffered through the use of those websites or their pages.


Users agree to indemnify Global Albatross for any and all loss suffered and for any costs incurred as a consequence of any breach to these terms and conditions. We are entitled to enforce this right at any time, even after the immediate event, in respect of any such breach or any subsequent breach of these terms and conditions.

Confirmation of health insurance

Submission of your information does not constitute an acceptance of your request or confirmation of an offer. We will communicate when your offer to purchase a product enters our records, and whether your request is accepted or rejected. Notification of confirmation of any insurance policy may be issued electronically or on paper. A binding contract is not reliant upon you receiving a notification on paper.

The information on products and services offered on this website are not comprehensive descriptions of the final terms and conditions or precise cover provided by those products and services. The relevant terms and conditions for each individual product you wish to purchase will be provided either physically or electronically. The particular terms and conditions of any product on offer shall prevail over contradictions with the ‘Terms and Use’ agreement of this website in regards to the policies and insurance of that product.

Before international health insurance cover can be processed or confirmed it is necessary for you to fully and faithfully inform us of everything you know, or could reasonably be expected to know that will be relevant while requesting a health or travel insurance policy.

Purchase and payment

When you request a health insurance quote via this website it will be provided to you electronically. If you choose to accept the quote and the relevant terms and conditions, and complete every required field in regards to your details, you are permitted to request your desired product. Based on the information provided by you, your request will then be accepted or rejected. Should a health insurance and/or travel insurance application be accepted and successful, a binding insurance agreement will be created for you. A binding insurance agreement will only be presented after a successful charge against the credit card used in the transaction and the reception of payment by the insurer.

Applicable laws and jurisdiction

Governing law

The use of this website, any contracts formed in conjunction with this, and these Terms and Conditions are all governed by New Zealand law. If a dispute arises between you and us it will be decided by dispute resolution, or the New Zealand Courts. The only exception to this is on points of patent, trade mark, or copyright protection. Disputes involving these issues will be governed by the law of the country granting the protection. If you have any further questions about our privacy policies or any other matter, please e-mail us at [email protected].

Anti-spam policy

We have a strict policy against spamming. Spam is an unsolicited email, or UCE (Unsolicited Commercial Email). We forbid the sending of mass emails or unsolicited emails of any kind. No message filtering system is 100% accurate and from time to time, legitimate messages will be filtered-out. If you believe this has happened to a message you have sent, please advise the message recipient by another means. If you suspect that Global Albatross has been used by someone to send spam, report the activity to us at [email protected] and we will investigate the matter further. We may amend this anti-spam policy at any time by publishing a new version on this website.

Cookie policy

A cookie is a file which helps analyse web traffic and keeps track of which websites you have visited. Cookies permit web applications to tailor operations to you as an individual by remembering information about your preferences. In order to help us analyse data about web page traffic we use traffic log cookies to identify which pages are being used; this allows us to improve our website and tailor it to our customer’s needs. A cookie does not give us access to your computer or any information about you, only data you choose to share with us. Web browsers by default will automatically accept cookies, but you are able to turn them off in setting options; this may however prevent you from taking full advantage of the website.


We do not accept responsibility for any loss, damage (including direct, special, or consequential loss or damage), however caused (including through negligence) which you may directly or indirectly suffer in connection with your use of this Site or any linked website, nor do we accept any responsibility for any loss arising out of your use of or reliance on information contained on or accessed through this Site.


Copyright in this website (including text, graphics, logos, icons, sound recordings and software) is owned or licensed by us. Other than for the purposes of, and subject to the conditions prescribed under the New Zealand Copyright Act 1994 and similar legislation which applies in your location, and except as expressly authorised by these terms and conditions, or in any other written agreement between you and us, and in accordance with Clause 20 of the Terms of Trade you may not in any form or by any means: (a) adapt, reproduce, store, distribute, print, display, perform, publish or create derivative works from any part of this website; or (b) commercialise any information, health or travel insurance products or services obtained from any part of this website; without our prior written permission.

Restricted use

You are authorised to print a copy of any information contained on this website, unless such printing is expressly prohibited. You may not however on-sell information obtained from this website.


We accept no responsibility for any failure to comply with these terms and conditions where such failure is due to circumstances beyond our control. If we waive any rights available to us under these terms and conditions on one occasion, this does not mean that those rights will automatically be waived on any other occasion. If any of these terms and conditions are held to be invalid, unenforceable or illegal for any reason, the remaining terms and conditions will nevertheless continue in full force.

To discuss any aspect of our service, please contact us.