Domestic travel insurance
Getting ready to explore our own backyard? Choose from two domestic plans including cover for certain events related to COVID-19^. From just $37 for Comprehensive cover* and $16 for Cancellation Only cover**
Key benefits
This is a summary only. For all of these benefits, please make sure you read the policy wording to understand the terms, conditions, limits and exclusions that may apply.
Cover before you depart
This policy provides cover from unforeseen cancellation costs and loss of deposits the moment your policy is confirmed, so long as you book your trip on the same day. If you take out cover after you’ve booked your trip, the same protection comes into effect after a 7-day waiting period.
Cover for pre-existing medical 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.
Cover for travel disruptions or delays
If your travel is disrupted or delayed because of unexpected situations, you may be able to claim up to the maximum benefit limit based on your policy type. This includes additional hotel and travel costs.
Travel insurance with COVID-19 cover^
We offer limited cover for epidemic and pandemic diseases with our domestic plans. That means there’s cover in place if you’re diagnosed with COVID-19 on your trip and need medical assistance or to change your plans.
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 (Monday to Friday, 8:30am - 5pm) or 09 486 6868 after hours.
^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 only provided if you have not 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 applying to a population or part of a population. Please read the policy wording for full details.
Compare domestic travel insurance
Comprehensive
Cancellation Only
Cover if you must cancel or reschedule your journey because of circumstances outside your control.
Comprehensive
$15,000
Cancellation Only
$600
Additional accommodation and travel expenses if you cannot continue your journey because of illness or injury.
Comprehensive
$15,000
Cancellation Only
Nil
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.
Comprehensive
$5,000
Cancellation Only
Nil
Reasonable additional meals and accommodation expenses if your journey is delayed.
Comprehensive
$2,000
Cancellation Only
Nil
Cover for cancellation and travel disruption expenses, should you contract an epidemic or pandemic disease such as COVID-19 after purchasing your policy.
Comprehensive
$15,000
Cancellation Only
$600
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.
Comprehensive
$2,500
Cancellation Only
Nil
Cover for emergency dental treatment for acute dental pain to your natural teeth following an infection or broken tooth first happening during your journey.
Comprehensive
$1,000
Cancellation Only
Nil
Reasonable funeral and cremation or burial expenses where death occurred, or the costs to return the body or ashes home.
Comprehensive
$5,000
Cancellation Only
Nil
Where death or permanent disablement occurs within 12 months of the injury you sustained during your journey.
Comprehensive
$15,000
Cancellation Only
Nil
Cover for accidental loss or damage to your personal baggage during your journey.
Comprehensive
$6,000 in total, $1,000 per item
Cancellation Only
Nil
Cover for essential replacement items if your personal baggage is temporarily lost in transit.
Comprehensive
$450
Cancellation Only
Nil
Cover for the insurance excess you must pay when damage is caused to your rental car.
Comprehensive
$6,000
Cancellation Only
Nil
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.
Comprehensive
$250,000
Cancellation Only
Nil
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’.
Comprehensive
Cancellation Only
What it doesn't cover
Below are examples of things you likely won’t be covered for. General exclusions apply – please read the full details of cover in your policy wording.
Pre-existing medical conditions cover for Cancellation Only plan
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.
Cover provided under another policy
There is no cover if you are already covered under another insurance policy, for example health or contents insurance.
Some instances of theft
There is no cover if personal items and baggage are stolen by anyone you invited into your accommodation premises.
Prior knowledge exclusion
There is no cover for anything that you were aware of when you purchased the cover that would give rise to a claim.
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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.
