International travel insurance
Getting ready to jet off overseas? Choose from three international travel insurance plans including cover for certain events related to COVID-19^
Why choose Tower's international travel insurance
Our international travel insurance plans have the cover you need from just $28 for Comprehensive cover* and $20 for Essentials cover**.
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.
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.
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.
Tower's 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.
Frequent Flyer
Comprehensive
Essentials
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.
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.
There is cover in place if your baggage is stolen however there are exclusions. Please check your policy wording for more details.
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.
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.
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
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
*$28 terms and conditions
The price advertised is for one person aged 40 years old and under, buying a Comprehensive plan to Australia 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.
**$20 terms and conditions
The price advertised is for one person aged 50 years old and under, buying an Essentials plan to Australia 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.
^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.