CANSTAR2023 2024 outstanding value international travel insurance

Outstanding Value - International Travel Insurance, two years running

Get award-winning international travel insurance with your forward thinking insurer.

Why choose Tower's international travel insurance

Travel insurance includes free cover for dependent children

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 includes 24/7 worldwide emergency assistance

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 includes limited cover for COVID-19

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.

Travel insurance backed by Allianz Partners, a trusted partner with global reach

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.

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 international travel insurance policies include

IMPORTANT - PLEASE NOTE: All costs and expenses must be Reasonable. Where used, ‘Unlimited’ only means that there is no capped dollar sum insured. Terms, conditions, sub-limits and exclusions apply as set out in the policy wording. Benefits are per Insured Person and the benefits are shared for dependent children.

For the Frequent Flyer plan, check out the Country Plans to make sure all your destinations over the year fall into the same or a lower country plan.

Cruises are automatically covered under our international travel insurance plans.

Frequent Flyer

Comprehensive

Essentials

Cancellation of journey paid in full 
We’ll pay for your travel and accommodation expenses that you’ve paid in full and in advance, that you can’t recover from anyone else, if you have to cancel or amend your travel plans because of circumstances beyond your control.
Cancellation of journey paid in full
We’ll pay for your travel and accommodation expenses that you’ve paid in full and in advance, that you can’t recover from anyone else, if you have to cancel or amend your travel plans because of circumstances beyond your control.
Unlimited
Cancellation of journey paid in full
We’ll pay for your travel and accommodation expenses that you’ve paid in full and in advance, that you can’t recover from anyone else, if you have to cancel or amend your travel plans because of circumstances beyond your control.
Unlimited
Cancellation of journey paid in full
We’ll pay for your travel and accommodation expenses that you’ve paid in full and in advance, that you can’t recover from anyone else, if you have to cancel or amend your travel plans because of circumstances beyond your control.
$5,000
Loss of deposits 
We’ll pay for your travel and accommodation deposits that you’ve paid in advance, that you can’t recover from anyone else, if you have to cancel or amend your travel plans because of circumstances beyond your control.
Loss of deposits
We’ll pay for your travel and accommodation deposits that you’ve paid in advance, that you can’t recover from anyone else, if you have to cancel or amend your travel plans because of circumstances beyond your control.
Unlimited
Loss of deposits
We’ll pay for your travel and accommodation deposits that you’ve paid in advance, that you can’t recover from anyone else, if you have to cancel or amend your travel plans because of circumstances beyond your control.
Unlimited
Loss of deposits
We’ll pay for your travel and accommodation deposits that you’ve paid in advance, that you can’t recover from anyone else, if you have to cancel or amend your travel plans because of circumstances beyond your control.
$5,000
Curtailment 
Pays your travel and accommodation to get home when unforeseen circumstances mean you have to get back before your holiday ends.
Curtailment
Pays your travel and accommodation to get home when unforeseen circumstances mean you have to get back before your holiday ends.
Unlimited
Curtailment
Pays your travel and accommodation to get home when unforeseen circumstances mean you have to get back before your holiday ends.
Unlimited
Curtailment
Pays your travel and accommodation to get home when unforeseen circumstances mean you have to get back before your holiday ends.
$5,000
Travel delay 
We’ll reimburse necessary costs for meals and accommodation expenses when your scheduled public transport has been delayed for 12 hours or more because of circumstances beyond your control.
Travel delay
We’ll reimburse necessary costs for meals and accommodation expenses when your scheduled public transport has been delayed for 12 hours or more because of circumstances beyond your control.
$15,000
Travel delay
We’ll reimburse necessary costs for meals and accommodation expenses when your scheduled public transport has been delayed for 12 hours or more because of circumstances beyond your control.
$15,000
Travel delay
We’ll reimburse necessary costs for meals and accommodation expenses when your scheduled public transport has been delayed for 12 hours or more because of circumstances beyond your control.
$500
Missed connection 
We’ll reimburse travel and accommodation expenses when you miss your public transport service connection because of circumstances beyond your control.
Missed connection
We’ll reimburse travel and accommodation expenses when you miss your public transport service connection because of circumstances beyond your control.
$15,000
Missed connection
We’ll reimburse travel and accommodation expenses when you miss your public transport service connection because of circumstances beyond your control.
$15,000
Missed connection
We’ll reimburse travel and accommodation expenses when you miss your public transport service connection because of circumstances beyond your control.
$500
Frequent flyer points 
Pays the retail price for tickets if they were bought with air points that can’t be recovered.
Frequent flyer points
Pays the retail price for tickets if they were bought with air points that can’t be recovered.
$5,000
Frequent flyer points
Pays the retail price for tickets if they were bought with air points that can’t be recovered.
$5,000
Frequent flyer points
Pays the retail price for tickets if they were bought with air points that can’t be recovered.
Resumption of travel 
Pays for reasonable transport costs you incur in resuming your journey after returning home because of a close relative suffering a serious injury, illness, disease or death.
Resumption of travel
Pays for reasonable transport costs you incur in resuming your journey after returning home because of a close relative suffering a serious injury, illness, disease or death.
$10,000
Resumption of travel
Pays for reasonable transport costs you incur in resuming your journey after returning home because of a close relative suffering a serious injury, illness, disease or death.
$10,000
Resumption of travel
Pays for reasonable transport costs you incur in resuming your journey after returning home because of a close relative suffering a serious injury, illness, disease or death.
Strikes and hijacks 
Pays for additional travel and accommodation costs if your scheduled public transport is curtailed or cancelled because of strikes or hijacks.
Strikes and hijacks
Pays for additional travel and accommodation costs if your scheduled public transport is curtailed or cancelled because of strikes or hijacks.
$10,000
Strikes and hijacks
Pays for additional travel and accommodation costs if your scheduled public transport is curtailed or cancelled because of strikes or hijacks.
$10,000
Strikes and hijacks
Pays for additional travel and accommodation costs if your scheduled public transport is curtailed or cancelled because of strikes or hijacks.
Evacuation - civil unrest Pacific Islands 
Pays for costs not otherwise covered under this policy if, for your safety you have to evacuate from any Pacific Island because of civil unrest.
Evacuation - civil unrest Pacific Islands
Pays for costs not otherwise covered under this policy if, for your safety you have to evacuate from any Pacific Island because of civil unrest.
$1,500
Evacuation - civil unrest Pacific Islands
Pays for costs not otherwise covered under this policy if, for your safety you have to evacuate from any Pacific Island because of civil unrest.
$1,500
Evacuation - civil unrest Pacific Islands
Pays for costs not otherwise covered under this policy if, for your safety you have to evacuate from any Pacific Island because of civil unrest.
Additional expenses as a result of terrorism 
Cover for reasonable additional costs when an act of terrorism affects your travel arrangements or belongings.
Additional expenses as a result of terrorism
Cover for reasonable additional costs when an act of terrorism affects your travel arrangements or belongings.
$3,000
Additional expenses as a result of terrorism
Cover for reasonable additional costs when an act of terrorism affects your travel arrangements or belongings.
$3,000
Additional expenses as a result of terrorism
Cover for reasonable additional costs when an act of terrorism affects your travel arrangements or belongings.
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.
Unlimited
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.
Unlimited
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.
$5,000
Overseas medical expenses 
Cover for medical or surgical treatment, plus repatriation expenses for an illness, injury or disease that occurred on your journey. 
Overseas medical expenses
Cover for medical or surgical treatment, plus repatriation expenses for an illness, injury or disease that occurred on your journey. 
Unlimited
Overseas medical expenses
Cover for medical or surgical treatment, plus repatriation expenses for an illness, injury or disease that occurred on your journey. 
Unlimited
Overseas medical expenses
Cover for medical or surgical treatment, plus repatriation expenses for an illness, injury or disease that occurred on your journey. 
$250,000
Emergency dental expenses - as a result of injury 
Cover for emergency dental treatment for acute dental pain to your natural teeth first happening during your journey.
Emergency dental expenses - as a result of injury
Cover for emergency dental treatment for acute dental pain to your natural teeth first happening during your journey.
$3,000
Emergency dental expenses - as a result of injury
Cover for emergency dental treatment for acute dental pain to your natural teeth first happening during your journey.
$3,000
Emergency dental expenses - as a result of injury
Cover for emergency dental treatment for acute dental pain to your natural teeth first happening during your journey.
$500
Emergency dental expenses - pain relief only 
Cover for emergency dental expenses to relieve sudden and acute dental pain to your natural teeth first happening during your journey.
Emergency dental expenses - pain relief only
Cover for emergency dental expenses to relieve sudden and acute dental pain to your natural teeth first happening during your journey.
$1,000
Emergency dental expenses - pain relief only
Cover for emergency dental expenses to relieve sudden and acute dental pain to your natural teeth first happening during your journey.
$1,000
Emergency dental expenses - pain relief only
Cover for emergency dental expenses to relieve sudden and acute dental pain to your natural teeth first happening during your journey.
Accompanying person 
When recommended by your Doctor, cover for the travel expenses of your accompanying person.
Accompanying person
When recommended by your Doctor, cover for the travel expenses of your accompanying person.
$15,000
Accompanying person
When recommended by your Doctor, cover for the travel expenses of your accompanying person.
$15,000
Accompanying person
When recommended by your Doctor, cover for the travel expenses of your accompanying person.
Terrorism - overseas medical expenses 
Cover for medical expenses and repatriation costs because of an act of terrorism.
Terrorism - overseas medical expenses
Cover for medical expenses and repatriation costs because of an act of terrorism.
$250,000
Terrorism - overseas medical expenses
Cover for medical expenses and repatriation costs because of an act of terrorism.
$250,000
Terrorism - overseas medical expenses
Cover for medical expenses and repatriation costs because of an act of terrorism.
Incidental hospital expenses 
A daily allowance for each 24 period after you’ve been in hospital for at least 48 hours.
Incidental hospital expenses
A daily allowance for each 24 period after you’ve been in hospital for at least 48 hours.
$4,000
Incidental hospital expenses
A daily allowance for each 24 period after you’ve been in hospital for at least 48 hours.
$4,000
Incidental hospital expenses
A daily allowance for each 24 period after you’ve been in hospital for at least 48 hours.
Search and rescue - natural disaster 
We will pay up to NZ$20,000 towards the costs of a private search if You are declared missing following a natural disaster.
Search and rescue - natural disaster
We will pay up to NZ$20,000 towards the costs of a private search if You are declared missing following a natural disaster.
$20,000
Search and rescue - natural disaster
We will pay up to NZ$20,000 towards the costs of a private search if You are declared missing following a natural disaster.
$20,000
Search and rescue - natural disaster
We will pay up to NZ$20,000 towards the costs of a private search if You are declared missing following a natural disaster.
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.
$25,000
Funeral expenses
Reasonable funeral and cremation or burial expenses where death occurred, or the costs to return the body or ashes home.
$25,000
Funeral expenses
Reasonable funeral and cremation or burial expenses where death occurred, or the costs to return the body or ashes home.
$10,000
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.
$50,000
Accidental death or permanent disablement
Where death or permanent disablement occurs within 12 months of the injury you sustained during your journey.
$50,000
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 as a result of an act of terrorism 
Where death or permanent disablement occurs within 12 months of the injury you sustained during your journey, caused by an act of terrorism.
Accidental death or permanent disablement as a result of an act of terrorism
Where death or permanent disablement occurs within 12 months of the injury you sustained during your journey, caused by an act of terrorism.
$25,000
Accidental death or permanent disablement as a result of an act of terrorism
Where death or permanent disablement occurs within 12 months of the injury you sustained during your journey, caused by an act of terrorism.
$25,000
Accidental death or permanent disablement as a result of an act of terrorism
Where death or permanent disablement occurs within 12 months of the injury you sustained during your journey, caused by an act of terrorism.
Personal baggage 
Cover for accidental loss or damage to your personal baggage during your journey.
Personal baggage
Cover for accidental loss or damage to your personal baggage during your journey.
$30,000 total, $2,500 per item
Personal baggage
Cover for accidental loss or damage to your personal baggage during your journey.
$30,000 total, $2,500 per item
Personal baggage
Cover for accidental loss or damage to your personal baggage during your journey.
$5,000 total, $750 per item
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.
$1,500
Emergency baggage
Cover for essential replacement items if your personal baggage is temporarily lost in transit.
$1,500
Emergency baggage
Cover for essential replacement items if your personal baggage is temporarily lost in transit.
$250
Personal money 
Cover for money stolen from you that you’d taken with you on your journey for your personal use.
Personal money
Cover for money stolen from you that you’d taken with you on your journey for your personal use.
$500
Personal money
Cover for money stolen from you that you’d taken with you on your journey for your personal use.
$500
Personal money
Cover for money stolen from you that you’d taken with you on your journey for your personal use.
Specified high-value items - maximum value per item 
The most you can insure an individual high-value item for.
Specified high-value items - maximum value per item
The most you can insure an individual high-value item for.
$10,000
Specified high-value items - maximum value per item
The most you can insure an individual high-value item for.
$10,000
Specified high-value items - maximum value per item
The most you can insure an individual high-value item for.
Specified high-value items - maximum total value 
The most in total that you can insure all your high value items for.
Specified high-value items - maximum total value
The most in total that you can insure all your high value items for.
$20,000
Specified high-value items - maximum total value
The most in total that you can insure all your high value items for.
$20,000
Specified high-value items - maximum total value
The most in total that you can insure all your high value items for.
Travel documents 
Includes costs to replace passports, visas and credit cards, plus disruption costs caused by the loss or theft.
Travel documents
Includes costs to replace passports, visas and credit cards, plus disruption costs caused by the loss or theft.
$3,000
Travel documents
Includes costs to replace passports, visas and credit cards, plus disruption costs caused by the loss or theft.
$3,000
Travel documents
Includes costs to replace passports, visas and credit cards, plus disruption costs caused by the loss or theft.
$500
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.
$2,500,000
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.
$2,500,000
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.
$500,000
Defence costs – including wrongful arrest 
Cover for defence costs incurred by you with our consent in defending claims made against you, and costs resulting directly from your false arrest or wrongful detention.
Defence costs – including wrongful arrest
Cover for defence costs incurred by you with our consent in defending claims made against you, and costs resulting directly from your false arrest or wrongful detention.
$10,000
Defence costs – including wrongful arrest
Cover for defence costs incurred by you with our consent in defending claims made against you, and costs resulting directly from your false arrest or wrongful detention.
$10,000
Defence costs – including wrongful arrest
Cover for defence costs incurred by you with our consent in defending claims made against you, and costs resulting directly from your false arrest or wrongful detention.
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.
$6,000
Rental Vehicle Excess
Cover for the insurance excess you must pay when damage is caused to your rental car.
$1,000
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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
Car insurance translated

International travel insurance FAQs

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

Allianz Partners manages all policy amendments, claims, and enquiries for us. If you would like to speak with someone, their contact details are:

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 paddleboarding, 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. 

See the policy wording for more details, or 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. 

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

If you have cover under another insurance policy, you will need to claim through the other insurer in the first instance. If we provide cover and accept your claim, we will pay any additional amounts over and above what the other insurer pays.

Are my belongings covered if they're stolen?

There is cover in place if your baggage is stolen; however, there are some exclusions.

See the 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. 

I want to travel around on a motorbike or moped during my trip, am I covered?

There are restrictions on cover if you are riding a moped or motorcycle (whether as a driver or passenger).

See the policy wording for more details. 

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 International Cover, that's 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.

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.

Get started on your claim now

If I'm travelling to multiple destinations with the frequent flyer plan, which destination should I choose?

You'll need to choose a plan that covers you in all the destinations you're travelling to. For example, if you select your primary destination as Australia, the policy will only cover you for journeys within Plan A destinations. By selecting Australia, you won't have cover for destinations in higher places like Africa, Asia, Europe, North America, South America, or the Pacific Islands. 

Check out the country plans to make sure all your destinations fall into the same or a lower country plan. 

Which destination should I select if I'm travelling to multiple countries?

If you're travelling to multiple countries, we're made it easy to choose regions. Select from Worldwide, Pacific Islands, North America, South America, Europe, Asia, Middle East, United Kingdom, Cruise New Zealand, Cruise Pacific Islands, Cruise Asia, Cruise Europe, or Cruise Worldwide.

Check out the country plans if you're travelling to multiple regions to make sure all your destinations fall into the same or a lower country plan. 

 

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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