Domestic travel insurance
Be in to win 1 of 5 $1,000 luggage vouchers when you buy a new travel policy today.*
Why choose Tower's domestic travel insurance
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.
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.
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).
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.
Domestic 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.
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 versions of any sport, or competing in a competitive event, mountaineering, or parachuting.
Cover differs between domestic and international policy wordings. Check the exclusions in the relevant wording or for more detailed information 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.
There is no cover available for pre-existing medical conditions under the Cancellation Only plan.
There is no cover if you're already covered under another insurance policy, for example, health or contents insurance.
There is cover in place if your baggage is stolen; however, there are exclusions. Please check your policy wording for more details.
Travel insurance only covers the unexpected. Our travel insurance policies have a prior knowledge exclusion in place, which means there is no cover for anything that you were aware of when you purchased the cover that would give rise to a claim.
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.
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.
Terms and conditions
^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 for full details.
*You can see the Ts&Cs for the 'Travel - Upgrade your Luggage' Promotion here.