Looking for travel insurance?
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Why choose Tower travel insurance
Whether you're dreaming of your next overseas trip or planning it, we're here for you. Don't forget that we can cover your domestic trips too.
Travel insurance with COVID-19 cover
We offer selected cover for epidemic and pandemic diseases with our domestic and international plans^. Find out what you're covered for here.
Trusted partner with global reach
We've joined up with Allianz Partners, one of the world’s largest travel insurance and assistance providers, so you can feel confident knowing we're here when you need us.
24/7 Emergency Assistance
We’re backed by the Allianz Partners Emergency Assistance programme, ready to help you 24/7 no matter where you are in the world.
Free cover for dependent children
Dependent children travelling with an adult covered under the policy pay no additional charge (for Domestic Cover – that’s up to 18 years, and for International Cover – up to 21 years of age).
Domestic travel insurance
We offer two domestic travel insurance plans:
- The Comprehensive plan is the highest level of travel insurance cover we provide while exploring New Zealand.
- The Cancellation Only plan provides cover for non-refundable cancellation costs, should you be forced to cancel or reschedule your trip because of unexpected circumstances.
International travel insurance
We offer three international travel insurance plans:
- The Essentials plan provides a lower level of travel insurance cover.
- The Comprehensive plan is the highest level of travel insurance cover we provide.
- The Frequent Flyer plan provides cover for those who travel regularly over the course of a year. It covers trips taken throughout a 12 month period, up to a maximum of 60 days per trip.
We know insurance lingo can be a bit confusing. While our policies are WriteMark™ approved, we've put our heads together to explain some common terms.
If you're wondering what all that insurance lingo is all about, let’s unpack it.
Info, ideas and inspiration
Tips on protecting the things that matter the most to you.
Travel insurance FAQs
Allianz Partners manages all policy amendments, claims, and enquiries for us. If you would like to speak with someone, their contact details are:
You can take out travel insurance at any time before your trip starts, but the sooner, the better. Buying your travel insurance as soon as you book your tickets means you're covered if something disrupts your travel, like a delay or cancellation.
If you take out travel insurance after you've booked your trip, the same protection comes into effect after a 7-day waiting period.
Sure. The sooner you let us know, the sooner we can start processing your claim. You can make a claim online at any time.
Our travel policies cover some recreational activities like cycling, surfing, and paddle boarding, but they don't cover more specialist activities.
Examples of specialist activities include any extreme version of any sport, competing in a competitive event, mountaineering, or parachuting.
For more detailed information, check your policy wording, or call us on 0800 606 688.
Some pre-existing medical conditions are automatically covered under the Comprehensive plan. Cover for pre-existing medical conditions which are not automatically covered may be available for an additional premium following a medical assessment.
Our travel insurance policies are for young and old, including children travelling with adults, and unaccompanied minors.
Dependent children travelling with an adult on the same policy are covered at no additional cost. For Domestic Cover that's children up to 18 years of age, and for International Cover, up to 21 years of age.
A parent or guardian can buy a policy for their child if they are travelling as an unaccompanied minor. They will be charged the minimum adult premium.
Gather your supporting documents that you'll need to include with your claim. This could be your travel itinerary, confirmation of cancellation, applicable refunds, photos, receipts, etc.
Travel alert notice: Please check the latest travel advisories on the Allianz Partners website to see if it is safe to travel to your chosen destination. You should also check safetravel.govt.nz for information on any countries you might be visiting. Remember to register your travel plans with Safe Travel before you leave so New Zealand officials can contact you in the event of an emergency.
Information on Allianz Partners
Tower Travel insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by Tower Limited. You should read the policy wording before making any decisions about your insurance policy. Terms, conditions, limits, sub-limits, and exclusions apply.
^The policy still has a general exclusion for epidemics and pandemics and does not cover disinclination to travel due to fear or change of mind. Cover is not provided if you have commenced your journey against the New Zealand Government’s advice not to travel. There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation when crossing or returning over borders, that applies to a population or part of a population. Please read the policy wording on the Domestic or International travel insurance pages for full details.
*You can see the Ts&Cs for the 'Travel - Upgrade your Luggage' Promotion here.