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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^

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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**.

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

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 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 includes free cover for dependent children

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

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 Unlimited
Cancellation of journey paid in full Unlimited
Cancellation of journey paid in full $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 Unlimited
Loss of deposits Unlimited
Loss of deposits $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 Unlimited
Curtailment Unlimited
Curtailment $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 $15,000
Travel delay $15,000
Travel delay $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 $15,000
Missed connection $15,000
Missed connection $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 $5,000
Frequent flyer points $5,000
Frequent flyer points
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 $10,000
Resumption of travel $10,000
Resumption of travel
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 $10,000
Strikes and hijacks $10,000
Strikes and 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 $1,500
Evacuation - civil unrest Pacific Islands $1,500
Evacuation - civil unrest Pacific Islands
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 $3,000
Additional expenses as a result of terrorism $3,000
Additional expenses as a result of terrorism
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 Unlimited
Epidemics and pandemics Unlimited
Epidemics and pandemics $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 Unlimited
Overseas medical expenses Unlimited
Overseas medical expenses $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 $3,000
Emergency dental expenses - as a result of injury $3,000
Emergency dental expenses - as a result of injury $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 $1,000
Emergency dental expenses - pain relief only $1,000
Emergency dental expenses - pain relief only
Accompanying person 
When recommended by your Doctor, cover for the travel expenses of your accompanying person.
Accompanying person $15,000
Accompanying person $15,000
Accompanying person
Terrorism - overseas medical expenses 
Cover for medical expenses and repatriation costs because of an act of terrorism.
Terrorism - overseas medical expenses $250,000
Terrorism - overseas medical expenses $250,000
Terrorism - overseas medical expenses
Incidental hospital expenses 
A daily allowance for each 24 period after you’ve been in hospital for at least 48 hours.
Incidental hospital expenses $4,000
Incidental hospital expenses $4,000
Incidental hospital expenses
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 $20,000
Search and rescue - natural disaster $20,000
Search and rescue - 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 $25,000
Funeral expenses $25,000
Funeral expenses $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 $50,000
Accidental death or permanent disablement $50,000
Accidental death or permanent disablement
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 $25,000
Accidental death or permanent disablement as a result of an act of terrorism $25,000
Accidental death or permanent disablement as a result of an act of terrorism
Personal baggage 
Cover for accidental loss or damage to your personal baggage during your journey.
Personal baggage $30,000 total, $2,500 per item
Personal baggage $30,000 total, $2,500 per item
Personal baggage $5,000 total, $750 per item
Emergency baggage 
Cover for essential replacement items if your personal baggage is temporarily lost in transit.
Emergency baggage $1,500
Emergency baggage $1,500
Emergency baggage $250
Personal money 
Cover for money stolen from you that you’d taken with you on your journey for your personal use.
Personal money $500
Personal money $500
Personal money
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 $10,000
Specified high-value items - maximum value per item $10,000
Specified high-value items - maximum value per item
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 $20,000
Specified high-value items - maximum total value $20,000
Specified high-value items - maximum total value
Travel documents 
Includes costs to replace passports, visas and credit cards, plus disruption costs caused by the loss or theft.
Travel documents $3,000
Travel documents $3,000
Travel documents $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 $2,500,000
Personal Liability $2,500,000
Personal Liability $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 $10,000
Defence costs – including wrongful arrest $10,000
Defence costs – including wrongful arrest
Rental Vehicle Excess 
Cover for the insurance excess you must pay when damage is caused to your rental car.
Rental Vehicle Excess $6,000
Rental Vehicle Excess $6,000
Rental Vehicle Excess $1,000
Policy wording
Download Policy wording
Download Policy wording
Download Policy wording
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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.