More about State travel insurance

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:

USA	1866 894 5264
Canada	1877 416 3486
UK	0808 234 4360
Australia	1800 810 095
From all other countries	+64 (0) 9 300 8580

Charges may apply if calling from a pay phone or mobile phone.

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.

Events that may affect you

It’s important to check that it’s safe to travel to your destination.

• Click here to view the latest travel and health news as well as country advice warnings.

Existing medical conditions

If you or your travelling companion has an existing medical condition, you can complete an easy online assessment process as part of your quote. There are a number of conditions which are automatically covered at no additional charge, for a list of these conditions please refer to the Policy Wording.

Please make sure you do not declare a condition that is listed in the automatically covered list contained in the Policy Wording. If you do this an additional premium not otherwise charged will be included. If you make a mistake you can contact us and ask for a refund of the relevant amount applied to that condition.

Medical cover while overseas

Medical expenses

There’s cover for medical expenses incurred overseas if they’re the result of an injury or illness that happens during the period of insurance that requires immediate treatment.

Additional medical-related cover includes:

• Emergency dental treatment
• Ambulance transportation
• Reasonable accommodation and travel cost for your travelling companion to remain with you
• Up to $1,500 for continued medical, surgical and hospital treatment on your return to New Zealand
• Hospital incidentals (e.g. phone calls and magazines), of up to $75 for every 24-hour period you remain in hospital (for stays of 48 hours or more), up to a maximum of $8,000.

Luggage and personal effects

Loss or damage

If your belongings are lost, stolen or damaged your insurance covers the lesser of either the market value of the items or the cost of repairing or replacing them. Plan I: Cover up to $25,000 per adult. Plan D: Cover up to $5,000 per adult.

Delayed luggage allowance

You can claim up to $500 to purchase essential items such as a toothbrush and clothes if your bags are delayed for more than 24 hours. This will increase by $500 if you still haven’t received your luggage after 48 hours and will increase by a further $500 if you still haven’t received your luggage after 72 hours. Cover under Plan I only.

Lost travel documents or passports

Your policy provides cover for travel documents including passports lost or stolen during your travel. You must report the loss or theft within 24 hours of the loss. Plan I: Cover up to $25,000 per adult. Plan D: Cover up to $5,000 per adult. Plan C: No cover.

Money

There’s cover for up to $500 cash which is lost or stolen from your person. You must report the loss or theft within 24 hours of the loss. Cover under Plan I only.

Amendment or cancellation

Loss of pre-paid travel costs

Your insurance covers your pre-paid travel costs (including deposits) if you need to cancel or change your travel arrangements because of unforeseen circumstances beyond your control. You choose the level of cover (noted on your Certificate of Insurance).Your premium will depend on the level of cover you choose. Cover can be chosen for Plan I and Plan C only.

Rental car insurance excess

There’s cover for any rental car insurance excess you become liable to pay as a result of damage to or theft of a rental car. Plan I: Cover up to $10,000 per adult. Plan D: Cover up to $4,000 per adult. Plan C: No cover.

Travel disruption

Missed connection

Your policy provides cover for additional transport expenses if you miss a connection which is beyond your control and you’re travelling to a special event or you need to catch up with your planned itinerary. Plan I: Cover up to $200 per adult. Plan D: Cover up to $150 per adult. Plan C: No cover.

Early return
There’s cover for additional travel costs if you have to return to New Zealand early because of the unexpected death or sudden life-threatening injury or illness of your relative or business partner.

There’s also cover for the additional travel costs to return home early if your home in New Zealand is destroyed by fire, earthquake or flood while you’re away. Cover Plan I: $ Unlimited; Plan D: $10,000; Plan C: Cover chosen.

More about State Travel Insurance

Personal liability and legal costs

There’s cover for your personal legal liability to pay compensation to someone if, during your travel, your negligent act unintentionally causes death or injury to someone else or damages their property.

There’s also cover for legal expenses if you’re falsely arrested or wrongfully detained by any government or foreign power.

Disablement or death

If you’re disabled or die as a result of suffering an injury during your travel, you're eligible for the disability and/or accidental death benefit. A combined maximum limit applies.

Free extension of your policy

Your period of insurance will extend automatically if your journey is necessarily extended due to an unforeseen circumstance outside your control. It will extend until you’re able to travel home by the quickest and most direct route.

Download the Policy Wording

This information is intended as a guide only. There are exclusions, limits and conditions to the cover provided. Download the Policy Wording.

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This information is intended as a guide only. There are exclusions, limits and conditions to the cover provided. Download the Policy Wording.

State Travel Insurance is underwritten by Zurich Australian Insurance Limited ("ZAIL") incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. For further information see Zurich New Zealand's financial strength rating. Limits, conditions and exclusions apply. 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 Zurich New Zealand. IAG does not guarantee Zurich New Zealand or Cover-More.