International travel insurance
Near or far, remember to pack international travel insurance for your next trip.
Why choose Tower's international travel insurance
Cover before you depart
We cover unforeseen cancellation costs and loss of deposits the moment your policy is confirmed for trips booked on the same day. If you take out cover after you’ve booked, there is a 7-day waiting period.
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.
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.
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.
Travel insurance FAQs
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:
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.
For more detailed information, check the policy wording or 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.
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.
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 International Cover – 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.
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
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.
If you're travelling to multiple countries, we've made it easy to choose regions - select 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. If you're travelling to multiple regions, check out the Country Plans to make sure all the destinations in your trip 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.