Domestic travel insurance
Getting ready to explore our own backyard? Choose from two domestic plans including cover for certain events related to COVID-19.^
Why choose Tower's domestic travel insurance
Our domestic travel insurance plans have the cover you need from just $37 for Comprehensive cover* and $16 for Cancellation Only cover**.
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).
Travel insurance FAQs
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.
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. 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
Information on Allianz Partners
Tower Travel insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners (FSP758611) and underwritten by Tower Limited. You should read the policy wording before making any decisions about your insurance policy.
Terms and conditions
*$37 terms and conditions The price advertised is for one person aged 40 years old and under, buying a Domestic Comprehensive insurance plan for 2 days with a $200 excess. Premium does not include any optional extra cover. For full details of what is included, please read the policy wording.
**$16 terms and conditions The price advertised is for one person aged 40 years old and under, buying a Domestic Cancellation insurance plan for 2 days with a $20 excess. Premium does not include any optional extra cover. For full details of what is included, please read the policy wording.
^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.