Travel Insurance
The Ultimate Plan B
Whether it’s a long-awaited holiday, a quick business trip, or visiting family overseas, travel doesn’t always go to plan. Travel insurance helps cover the unexpected like cancelled flights, lost baggage, medical emergencies, or delays so you can travel with confidence, knowing support is there if things go wrong.
What does travel insurance typically cover?
Your policy will generally protect you against:
- Medical expenses if you fall ill or have an accident overseas
- Emergency evacuation or repatriation
- Trip cancellations, curtailments, or interruptions
- Lost, stolen, or delayed baggage and personal belongings
- Cover for travel documents and passports
- Flight delays and missed connections
- Rental car excess cover
- Personal liability overseas
Many policies also include COVID-19-related cancellation and medical cover. We’ll help clarify what’s included and what’s not with your specific policy.
Optional add-ons
- Adventure sports or skiing/snowboarding cover
- Cruise travel cover
- High-value item extensions (for jewellery or tech)
- Rental vehicle damage excess
- Pre-existing medical condition cover (on application)
Who needs travel insurance?
- Holidaymakers (whether travelling domestically or overseas)
- Frequent flyers or business travellers
- Students travelling abroad
- Anyone who would struggle to afford out-of-pocket medical or cancellation costs
What’s typically not covered?
- Travelling against government advisories
- Claims related to alcohol or drug use
- Undeclared pre-existing conditions
- Travel booked after you know about a disruption (like an airline strike or weather event)
Other insurance to think about
You might also want health insurance for everyday New Zealand medical needs, and contents insurance for items you keep at home. If you’re moving items within New Zealand, transit insurance could be relevant, and vehicle insurance will cover you for rental car use whilst travelling.