Travel Insurance

Why buy State Domestic Cover?

More than one third of domestic travellers experience an unexpected circumstance that can leave them out of pocket.

It doesn’t matter if you were travelling to Auckland or Amsterdam, if your child becomes unwell and you need to cancel your trip, it’s good to know you’re covered.

Here are some examples of real-life stories

• An airline lost a customer’s suitcase and the items were not recoverable
  Luggage Value: $2,500
• A customer’s rental car was written off after a third-party collision
  Rental Car Insurance Excess: $4,000.

Here are some examples of types of claims

Medical claims*

• Sprained limbs or broken arm, leg, wrist due to outdoor activities
• Asthma, seizure, stroke, heart attack
• Swimmers ear/ ear infection

_{*Pre-existing medical conditions must be declared, and extra cover purchased prior to departure}

Your cancellation costs prior to travel

• Prepaid deposits on motorhome rentals, scenic train or ferry tickets
• Prepaid fares for rail trips, adventure holidays and cruises
• Costs for cancellation due to redundancy, illness, injury and medical operations

Note: Cancellation prior to departure will result in the loss of deposits paid and in other instances full cancellation fees often apply.

Delayed travel

• Travel delays due to weather e.g. snowstorms and fog delaying connecting flights

Luggage claims

• Broken cameras, smartphones and electronic items
• Lost spectacles, hearing aids and damaged dentures

What activities are covered?

There are plenty of fun activities to do around New Zealand year round, and we have a comprehensive list of activities which are covered.

Our plans automatically include:

• Abseiling
• Archery
• Ballooning
• Bungy Jumping
• Flying Fox
• Horse Riding
• Jet Boating
• Jet Skiing
• Kayaking
• Paragliding
• Parasailing
• Snorkeling
• White Water Rafting

Other activities may be covered as an add-on to your policy. See our State Travel policy for full details.

What cover is available for Skiing and Snowboarding?

Because being on the snow and participating in winter sports activities often increases the risk of injuries or incidents, you’ll need to ensure you upgrade or amend your travel insurance policy to include snow activities like skiing and snowboarding.

If you are a New Zealand citizen ACC may cover some costs due to injury.

Purchasing a specialised winter sports travel insurance policy can help protect you against unforeseen costs should you have a mishap on the slopes and need medical assistance.

Skiing and Snowboarding can be covered at extra cost under Domestic Plan D, and Inbound Plans.

You will only be covered if:

• You are skiing or snowboarding on-piste
• You are not racing
• You are not participating in a professional capacity

Note: sporting and ski equipment are not covered whilst in use.

What if I travel frequently in NZ, do you have a multi-trip option?

Multi-trip travel insurance may save you time and money. If you are planning to travel more than twice this year and for no longer than 30 days at a time within New Zealand, consider our Domestic Plan D Annual Multi-Trip Policy.

Can you explain the rental vehicle excess?

This benefit only covers the rental vehicle excess if your rental vehicle is stolen, or damaged while you are driving, you still need to take out rental vehicle insurance.

Our Domestic Plan D includes a $4,000 rental vehicle excess cover, which can save you money if you need to make a claim.

What does the medical cover provide for?

Our Domestic Plan D* can provide you with cover for unexpected medical and dental expenses up to $1,500. This is for treatment provided in New Zealand.

On the Inbound plan medical and dental cover is unlimited.

It only applies up to 12 months from when you suffered a disabling injury, sickness or disease. Travel insurance protects you from unforeseen events. Routine medical or dental treatments, prenatal visits and continuation of treatments are not covered.

What existing medical conditions are covered?

We automatically cover a range of existing medical conditions (EMC) - including asthma, epilepsy, gastric reflux and more! Read the State Travel Policy Wording for a full list of the conditions we automatically cover. If your existing medical conditions are not all automatically covered, you may complete an online medical assessment to determine if cover is available. Other travel insurance benefits unrelated to your EMC still apply, even if cover cannot be provided for your specific condition/s.

Are there restrictions due to Covid-19 for Domestic Cover?

See https://www.state.co.nz/blog/covid19 for the most up to date information.

*Medical cover will not exceed 12 months from onset. 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, Inbound Plan.