Travel Insurance

Why buy State Domestic Cover?

Our Domestic and Domestic Cancellation plans are for New Zealand residents travelling within New Zealand.

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.

Specific terms, conditions and exclusions apply to Covid-19. See our State Travel Policy Wording for full details.

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 Vehicle 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
• Swimmer's ear/ ear infection

_{*Pre-existing medical conditions must be declared, and extra cover purchased under Domestic Plan 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

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 Domestic options are available?

We offer 3 Domestic plan options to choose from and these can be purchased quickly and easily on our website.

Domestic plan (Single Trip Policy or Annual Multi-Trip Policy)

Our Domestic plan (Single Trip Policy and Annual Multi-Trip Policy) is our most comprehensive domestic plan.

The Domestic plan Annual Multi-Trip Policy is sometimes a more suitable option for those travellers who are planning to travel more than twice this year and for no longer than 30 days at a time within New Zealand

Domestic Cancellation plan Single Trip Policy

Our Domestic Cancellation plan covers domestic travellers for cancellation cover only and you choose the cancellation cover limit to best meet your needs when you purchase your policy.

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 under our Domestic plans (excludes Domestic Cancellation Plan).

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 Domestic plan (excludes Domestic Cancellation plan). See our State Travel Policy Wording 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 amend your Domestic plan (excludes Domestic Cancellation plan) to include snow activities like skiing and snowboarding by purchasing a winter cover (snow sports) upgrade. This can help protect you against unforeseen costs should you have a mishap on the slopes and need medical assistance. Sporting and ski equipment are not covered whilst in use and if you are a New Zealand citizen, ACC may cover some costs due to injury.

You will only be covered if you have purchased the Domestic Plan with the winter cover (snow sports) upgrade and:

• You are snow skiing, snowboarding, or snowmobiling On-Piste, or cross-country skiing;
• You are not participating in a professional capacity; and
• You are not racing

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 Annual Multi-Trip Policy.

Can you explain the rental vehicle excess?

This benefit applies to our Domestic Plan (excludes Domestic Cancellation Plan) and 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.

A $4,000 rental vehicle excess cover can save you money if you need to make a claim.

Note: that your rental agreement may still require you to take out rental vehicle insurance.

If you are driving your personal vehicle on your domestic holiday there is bonus cover of $2,500 for your comprehensive vehicle insurance excess.

What does the medical cover provide for?

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

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) under the Domestic plan (excludes Domestic Cancellation Plan). Automatically covered conditions include - 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 Inbound Plans.