Domestic travel insurance

Near or far, remember to pack domestic travel insurance for your next trip.

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.

24/7 Emergency Assistance

If you need help, you can call the Allianz Partners Emergency Assistance team 24 hours a day, seven days a week on 0800 606 688 (Mon to Fri, 8:30am - 5pm) or 09 486 6868 after hours.

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).

This is a summary only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits, sub-limits and exclusions that may apply.

Our domestic travel insurance policies include

IMPORTANT - PLEASE NOTE: A maximum total limit applies for all claims by all Insured Persons under certain sections and other limits, sub-limits, conditions and exclusions apply. All costs and expenses must be Reasonable. Terms, conditions, limits and exclusions apply as set out in the Policy Wording. Benefits are per Insured Person and the benefits limits are shared for Dependent Children.

Cancellation of journey

Cover if you must cancel or reschedule your journey because of circumstances outside your control.

Cancellation of journey

Cover if you must cancel or reschedule your journey because of circumstances outside your control.

$15,000

Cancellation of journey

Cover if you must cancel or reschedule your journey because of circumstances outside your control.

$600

Additional expenses

Additional accommodation and travel expenses if you cannot continue your journey because of illness or injury.

Additional expenses

Additional accommodation and travel expenses if you cannot continue your journey because of illness or injury.

$15,000

Additional expenses

Additional accommodation and travel expenses if you cannot continue your journey because of illness or injury.

Alternative transport expenses

Help with reasonable travel and accommodation expenses to help you catch up with your journey where you have to arrive on time for a wedding, funeral or pre-paid event.

Alternative transport expenses

Help with reasonable travel and accommodation expenses to help you catch up with your journey where you have to arrive on time for a wedding, funeral or pre-paid event.

$500

Alternative transport expenses

Help with reasonable travel and accommodation expenses to help you catch up with your journey where you have to arrive on time for a wedding, funeral or pre-paid event.

Travel delay expenses

Reasonable additional meals and accommodation expenses if your journey is delayed.

Travel delay expenses

Reasonable additional meals and accommodation expenses if your journey is delayed.

$2,000

Travel delay expenses

Reasonable additional meals and accommodation expenses if your journey is delayed.

Epidemics and pandemics

Cover for cancellation and travel disruption expenses, should you contract an epidemic or pandemic disease such as COVID-19 after purchasing your policy.

Epidemics and pandemics

Cover for cancellation and travel disruption expenses, should you contract an epidemic or pandemic disease such as COVID-19 after purchasing your policy.

$15,000

Epidemics and pandemics

Cover for cancellation and travel disruption expenses, should you contract an epidemic or pandemic disease such as COVID-19 after purchasing your policy.

$600

Medical expenses

Cover for medical treatment not covered under the public system, by ACC, or by your personal medical insurance for an illness, injury or disease that occurred on your journey. Includes cover for epidemic and pandemic disease such as Covid-19, should you contract it during your trip.

Medical expenses

$2,500

Medical expenses

Emergency dental expenses

Cover for emergency dental treatment for acute dental pain to your natural teeth following an infection or broken tooth first happening during your journey.

Emergency dental expenses

Cover for emergency dental treatment for acute dental pain to your natural teeth following an infection or broken tooth first happening during your journey.

$1,000

Emergency dental expenses

Cover for emergency dental treatment for acute dental pain to your natural teeth following an infection or broken tooth first happening during your journey.

Funeral expenses

Reasonable funeral and cremation or burial expenses where death occurred, or the costs to return the body or ashes home.

Funeral expenses

Reasonable funeral and cremation or burial expenses where death occurred, or the costs to return the body or ashes home.

$5,000

Funeral expenses

Reasonable funeral and cremation or burial expenses where death occurred, or the costs to return the body or ashes home.

Accidental death or permanent disablement

Where death or permanent disablement occurs within 12 months of the injury you sustained during your journey.

Accidental death or permanent disablement

Where death or permanent disablement occurs within 12 months of the injury you sustained during your journey.

$15,000

Accidental death or permanent disablement

Where death or permanent disablement occurs within 12 months of the injury you sustained during your journey.

Personal baggage (limit for each individual item or set of items)

Cover for accidental loss or damage to your personal baggage during your journey.

Personal baggage (limit for each individual item or set of items)

Cover for accidental loss or damage to your personal baggage during your journey.

$6,000 in total, $1,000 per item

Personal baggage (limit for each individual item or set of items)

Cover for accidental loss or damage to your personal baggage during your journey.

Emergency baggage

Cover for essential replacement items if your personal baggage is temporarily lost in transit.

Emergency baggage

Cover for essential replacement items if your personal baggage is temporarily lost in transit.

$450

Emergency baggage

Cover for essential replacement items if your personal baggage is temporarily lost in transit.

Rental vehicle excess

Cover for the insurance excess you must pay when damage is caused to your rental car.

Rental vehicle excess

Cover for the insurance excess you must pay when damage is caused to your rental car.

$6,000

Rental vehicle excess

Cover for the insurance excess you must pay when damage is caused to your rental car.

Personal liability

Cover for liability to pay for accidental injury, death or illness to people, or accidental loss or damage you cause to other people's property during the journey.

Personal liability

Cover for liability to pay for accidental injury, death or illness to people, or accidental loss or damage you cause to other people's property during the journey.

$250,000

Personal liability

Cover for liability to pay for accidental injury, death or illness to people, or accidental loss or damage you cause to other people's property during the journey.

Cruise pack - mandatory if part or all of your holiday is on a cruise

Cruise pack

If you are travelling on a Cruise, you must add the Cruise Pack to have cover. Refer to the Policy Wording for our definition of a ‘Cruise’.

Cruise pack

If you are travelling on a Cruise, you must add the Cruise Pack to have cover. Refer to the Policy Wording for our definition of a ‘Cruise’.

Cruise pack

If you are travelling on a Cruise, you must add the Cruise Pack to have cover. Refer to the Policy Wording for our definition of a ‘Cruise’.

Policy wording

Download Policy wording

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Tower Translates

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.

Check out our translations

Travel insurance FAQs

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Who do I talk to when I have a question or issue?

Allianz Partners, manage all policy amendments, claims and enquiries for us. If you would like to speak with someone, details to get in touch are:

Get help with a quote - 0800 606 688
Customer care - 0800 800 048
Email - help@allianz-assistance.co.nz
Pre-existing medical conditions enquiries - 0800 100 124
Emergency number if calling from overseas - +64 9 486 6868 (reverse charge call through telephone operator)

When should I buy travel insurance?

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.

What kinds of recreational activities are covered?

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.

Do you cover pre-existing conditions?

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.

Do you provide cover if I already have another insurance policy in place?

There is no cover if you are already covered under another insurance policy, for example health or contents insurance.

Are my belongings covered if they're stolen?

There is cover in place if your baggage is stolen however there are exclusions. Please check your policy wording for more details.

What happens if I don't tell you about something that may impact my cover?

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.

Do you cover children?

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.

How do I make a travel insurance claim?

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. Once that’s done, make your claim online. You can also call us on +64 9 487 0818 if you're overseas or 0800 606 688 if you're back in New Zealand. Ready to make a claim? Get started now

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.

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