Travel insurance for loss, theft, medical treatment and unexpected events for families and individuals under 65. Travel knowing you have 24 / 7 emergency assistance available overseas.

This policy covers you up to the age of 65. If you're over 65, TOWER Provider Travel Insurance may suit you. Call us on 0800 379 372 to get a quote.

Key benefits

This is a summary only. See if this policy is right for you by downloading our policy wording which is a full outline of the policy benefits, terms and conditions.

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Medical and other expenses

Cover for unexpected illness or injury suffered while outside New Zealand. Includes the travel and accommodation expenses of an accompanying person (if approved) to travel to you and escort you back to New Zealand in the case of severe illness or injury and also cover for dental expenses as a result of an injury. Cover is also available to cover funeral costs and unexpected medical complications during the first 20 weeks of your pregnancy.


Personal baggage

Cover for sudden and unforeseen accidental loss or damage to your personal baggage. Cover includes reasonable emergency purchases of essential personal items and clothing should you be deprived of your personal baggage due to it being delayed, misdirected or misplaced by a transport operator by at least 12 hours. Also includes reasonable replacement costs of your passport.

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Loss of deposits and cancellation

Cover for abandonment or alteration of travel due to events outside of your control. This includes cover for deposits and expenses paid in advance and transport costs to enable you to return overseas to complete your travel if you returned to New Zealand because of an unexpected life threatening illness, injury or death to an immediate family member.


Money and travel documents

Cover for the loss of your cash, travellers cheques, postal notes, credit cards, money orders, petrol coupons, travel tickets or vouchers for pre-paid travel or accommodation that are carried by you or left in a locked vehicle or accommodation premises.

Rental car

Rental vehicle insurance excess

Cover for the insurance excess you are required to pay in the event of a claim under your rental vehicle hire contract.


Liability protection

Legal liability protection for loss or damage to property and including injury, death or illness from accidents occurring outside New Zealand during the period of insurance. Also covered are legal costs incurred with our consent to defend claims and legal costs as a direct result of wrongful arrest.

Our guarantee

If you decide you do not want this policy for any reason, you have up to seven days to cancel your policy. You will be given a full refund provided you have not started to travel or made a claim. We will refund any premium you have paid, and we will both regard this policy as never commencing.

Underwritten by TOWER Insurance Limited.