Travel Insurance


*Discount applies to existing State customers and to premiums for the 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.

Important information regarding your travel insurance. Learn more

A range of options for your domestic or overseas Travel

  • Overseas cover & annual multi-trip cover

    Overseas cover & annual multi-trip cover

    Your back up when going across the ditch or further afield.

    Our cover includes medical and dental expenses* loss or theft of luggage, delayed travel and more. You can also select cover for travel related expenses if you need to change or cancel your trip.

    Travel a lot? Take out our annual multi-trip option and you’re covered for as many trips as you like, for 12 months.**

    See https://safetravel.govt.nz/ for the latest government advice regarding overseas travel.

  • Anywhere NZ cover

    Anywhere in NZ

    Domestic Cancellation (Plan C) Covers changes and cancellations outside of your control before you leave and extra expenses due to unforeseen circumstances while you're away. You choose the cover amount – from $200 to $1,500.

    Domestic Comprehensive (Plan D)
    Comprehensive cover that also includes lost luggage, medical and dental expenses and rental car excess cover.

  • Annual multi-trip cover

    Inbound Cover
    Visiting NZ

    If you are a non-resident visiting NZ our Inbound policy can cover medical and dental expenses, luggage and travel documents, rental car insurance excess and personal liability.


*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.

**For 12 months, over 250km from home, including domestic travel, up to maximum number (90) of days per journey.

The policy type you choose changes what you are covered for.

International
(Plan I)
Maximum
benefits limits
(per adult)

Domestic Comprehensive
(Plan D)
Maximum
benefits limits
(per adult)

Domestic Cancellation
(Plan C)
Maximum
benefits limits
(per person)

Medical and dental expenses
$unlimited+*
Up to $1,500
Additional expenses
$unlimited+˚
Up to $10,000
Cover chosen#
(choose the amount of cover that suits, on a per person basis)
Amendment or cancellation costs
Cover chosen+^
Up to $10,000
Cover chosen#
(choose the amount of cover that suits, on a per person basis)
Luggage and travel documents
Up to $25,000-
Up to $5,000-
Delayed luggage allowance
Up to $1,500
Money
Up to $500
Rental car insurance excess
Up to $10,000
Up to $4,000
Travel delay
Up to $2,000
Up to $750
Resumption of journey
Up to $5,000
Hospital incidentals
Up to $8,000
Hijacking
Up to $8,000
Loss of income
Up to $9,000+~
(up to $1,000 per month)
Up to $2,250~
(up to $250 per month)
Disability or Accidental death
Up to $15,000 +~
Up to $10,000 ~
Legal expenses
Up to $10,000
Up to $5,000
Personal liability
Up to $2,500,000
Up to $200,000
This is only a summary of the benefits provided. Please refer to the Policy Wordings for details of the cover provided.

Download

Download

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Included

Not included

Domestic Policy FAQ's


*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.

Before you travel

Our phone lines are much busier than usual, so there may be a long wait.

Did you know you can pay, claim, cancel, and more online? View all online options.

Alternatively, talk to Sam, our Chatbot, who can help with simple insurance questions.