Tower logo. TOWER.co.nz
  • Freephone 0800 379 372

Frequently Asked Questions 

Travel Insurance expand this category
Cover4Travel expand this product
Can I buy insurance whilst already on my travel holiday? view answer close
You cannot buy the insurance after your departure from New Zealand.
Can I extend a previously purchased policy? view answer close
If you choose to extend your journey you can request for an extension of your policy by calling us +64 9 985 5000. However, any extension to a policy which has commenced will comprise a new policy which will be re-underwritten and have a new premium payable. The terms and conditions of this new policy may vary from your earlier policy.
What form of payments am I able to buy a policy with? view answer close
To buy online, you need to pay by credit card. For any other mode of payment please call 0800 808 808. You will be offered a different policy to purchase.
Can I get a refund on a purchased policy? view answer close
You can cancel and get a full refund as provided within the seven days Free Look period.
Can I make a claim while still on my holiday? view answer close
Yes. However your claim will be settled when you return to New Zealand except for overseas medical claims. At our option we may settle urgent claims while you are overseas.
How long do I have after returning from my trip to make my claim? view answer close
As soon as practical and you must keep all purchase receipts to support your claim. For emergency claims, you need to contact us immediately. Note that all medical claims must be approved by us before any treatment is obtained.
How do I make a claim? view answer close
You can make a claim by completing the online form, by telephone or by post. For the online form, please see: Claims Page.
Am I eligible for insurance if I’m younger than 18 or older than 65? view answer close
No you will not be able to purchase the insurance online. You can call us on 0800 379 372 to discuss other possible arrangements.
I don’t have New Zealand citizenship but have permanent residency, am I eligible? view answer close
Yes, you can as long as you and your family (if on a family plan) members that wish to be covered are New Zealand permanent residents.
Is there an excess on each claim? view answer close
Yes. An excess of $100 is applicable for each claim event.
What sorts of activities are not covered? view answer close
Sporting activities not covered include mountaineering, rock climbing, parachuting, hang or tow gliding, microlite flying, sky diving, paragliding or parasailing, pot holing, bungy jumping, rodeo activities, hunting, competing or racing (other than on foot), white water activities or underwater activities involving the use of artificial breathing apparatus unless an internationally recognised diving qualification is held and professional sporting activity or training, or extreme versions of any sport. For details of exclusions clauses, please refer "General Exclusions" which is in your policy document or here.
What if I have further questions or if you have any questions that is not found here? view answer close
Please ring us on 0800 379 372 to talk to one of our insurance consultants.