Get more from your travel insurance

Travel cover options for people who are going places

medical cover

Great discounts

Includes 24 hour emergency assistance.

your cover

Little extra

Choose single or annual multi-trip and add snow sports cover.


Agreed value

You choose
the level of cover.


Stay Safe

If you’re an existing State customer.
Promo code: STATECUST

Fly Buys

Fly Buys

Collect Fly Buys points on your travel insurance.

*International Plan I and Domestic Cancellation Plan C only.

**Discounts only apply to premiums for standard policies net of Government levies and GST (if applicable). Discounts do not apply to premiums for cover additional to standard policies or to any minimum premium.

Travel insurance at a glance

Summary of policy benefits International Plan I
Maximum benefit limits
(per adult)
Domestic Plan D
Maximum benefit limits
(per adult)
Domestic Cancellation
Plan C Maximum benefit
limits (per adult)
Medical and dental expenses $unlimited +* up to $1,500 n/a
Additional expenses $unlimited up to $10,000 cover chosen #
Amendment or cancellation costs cover chosen +^ $10,000 cover chosen #
Luggage and travel documents up to $25,000 ¯ up to $5,000 ¯ n/a
Delayed luggage allowance up to $1,500 n/a n/a
Money up to $500 n/a n/a
Rental car insurance excess up to $10,000 up to $4,000 n/a
Travel delay up to $2,000 up to $750 n/a
Resumption of journey up to $5,000 n/a n/a
Hospital incidentals up to $8,000 n/a n/a
Hijacking up to $8,000 n/a n/a
Loss of income up to $9,000 +~
(up to $1,000 per month)
up to $2,250 +~
(up to $250 per month)
Disability up to $15,000 +~ up to $10,000 ~ n/a
Accidental death up to $15,000 +~ up to $10,000 ~ n/a
Legal expenses up to $10,000 up to $5,000 n/a
Personal liability up to $2,500,000 up to $200,000 n/a

* Medical cover will not exceed 12 months from onset of the medical condition. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to Plan I Area 9.

+ For customers 70 years or over reduced maximum limits may apply. Limits will be shown on the Certificate of Insurance.

^ Cover chosen applies per policy. See page 7 of the Policy Wording.

¯ Item limits apply. See page 7 of the Policy Wording.

# You can choose $200, $400, $600, $800 or $1,500.

~ The maximum liability collectively for Sections 12, 13 and 14 of the Policy Wording, shall not exceed $15,000 on Plan I and $10,000 on Plan D.

° Limits apply under Part 6, section 2, sub-sections 2 and 6f of the Policy Wording. See pages 26–27 of the Policy Wording.

This is only a summary of the benefits provided. Please refer to the Policy Wording. for details of the cover provided. Please read the entire document carefully to understand what the relavant policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply and this summary of benefits table may change at any time.

24 hour emergency assistance

For our International policy you’ll have access to emergency assistance at all times from anywhere in the world so we’re always here to help.
When you call, please have the following information ready

  • Your policy number
  • A phone number we can call you back on

Please call DIRECT and TOLL FREE from:

USA1866 894 5264
Canada1877 416 3486
UK0808 234 4360
Australia1800 810 095
Charges may apply if calling from a pay phone or mobile phone.
From all other countries call+64 (0) 9 300 8580

If you’re experiencing difficulties please try the following numbers:

Phone +64 (0) 9 300 8580
Fax +61 (0) 2 9954 6250

For general enquiries please call 0800 500 325 or +64 (0) 9 300 8582.

Download claim form

State Travel Insurance is underwritten by Great Lakes Reinsurance (UK) PLC trading as “Great Lakes New Zealand”. IAG New Zealand Limited (“IAG”), of which State is a business division, is not the insurer. IAG receives a commission for the issue of State-branded travel policies arranged through Cover-More (NZ) Limited (“Cover-More”). Cover-More administers the policy and acts on behalf of Great Lakes New Zealand. IAG does not guarantee Great Lakes New Zealand or Cover-More.

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