corporate travel insurance nz

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Allianz Partners New Zealand Premier Corporate Travel Insurance

Allianz partners. experts at building value-added partnerships, part of the world’s largest travel insurance and assistance provider, allianz partners new zealand provides a range of travel insurance products for new zealand travellers.  whether you are a small insurance broker or a large multinational, if you have corporate clients who travel for business, domestically or internationally and would like to learn more about how we can help you, get in touch with our friendly and supportive corporate team today., our solutions go beyond traditional insurance, our products.

Corporate & Retail Travel Insurance  

Student Travel & Medical Insurance  

Seasonal Worker's Travel & Medical Insurance

Pet Insurance for Cats & Dogs  

We partner with some of new zealand’s leading brands, our partners.

As part of the  Allianz Group , we have a strong foundation. Yet we have the ability to be innovative and nimble, to push technological and geographical boundaries. Our agile approach allows us to be flexible and responsive to the ever-changing landscape in which we operate. We are future ready. 

Headquartered in Auckland, our team provides travel insurance, emergency assistance, and pet insurance to our customers and partners throughout New Zealand.

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Business insurance

Personal insurance, policy wordings, terms of business and disclosure.

Travel insurance for business

Chances are your business is about your people. Whatever your size, travel insurance for business protects your employees when they travel for you. We cover businesses and professionals from financial losses that occur through international and domestic travel for work.

We can advise you on the right travel insurance packages for your business. Plus we can leverage our scale and relationships with insurers to secure competitive corporate travel insurance cover for you.

Who needs travel insurance for business?

• Small to medium business
• Self employed
• Irregular and frequent business travellers
• Domestic and international travellers

What does business travel insurance cover?

You can get cover for a range of travel risks including:

• Overseas medical and hospital costs
• Stolen and lost luggage
• Trip cancellations
• Flight delays
• Rental vehicle excess costs.
• Costs to send a substitute employee to cover a staff member who can’t complete travel.

You’ll have access to numbers to call 24/7 for support with your travel emergency wherever you are, plus support for claims that may arise.

Travel insurance options

Travel insurance policies and solutions include:

• Annual business travel insurance policy - An annual travel policy can be easier to manage and more cost effective than negotiating business travel insurance for every trip and every employee separately. You simply estimate the number and nature of overseas business trips your staff will take over the course of a year, and pay one deposit based on that estimate. At the end of 12 months, we compare the actual travel with the estimate and then make adjustments accordingly.

Travel insurance for international students

Travel insurance for visitors  - cover for those on working, working holiday or other temporary visas

• Personal travel insurance - single trip or annual multi trips

Help with travel insurance.

To find which cover works best for your business and employees, contact a broker.  

Need to talk? Call us now

Find a broker.

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Wanderlust for Work

Trip Details.

Type to select country destinations

Type the countries you are travelling to or select from popular destinations below.

• Cook Islands
• New Caledonia
• New Zealand
• Philippines
• South America
• Netherlands
• Switzerland
• United Kingdom
• South Africa
• Middle East
• United Arab Emirates
• Domestic Cruise
• Cruising New Zealand

Please Note: You do not need to include stopovers less than 48 hours, except for USA and Canada.

• Depart Return

Are all travellers under 19 your children or grandchildren?

Dependants are defined by TINZ as your children or grandchildren, not in full time employment, who are under the age of 19 and travelling with you for 100% of the journey. Before proceeding, please confirm that all travellers under 19 are dependants of the adult travellers. If the child is not classified under the above terms then please treat them as an adult traveller within this policy.

The Already Overseas plan is appropriate for New Zealand residents who are already overseas and need travel insurance cover because they have either forgotten to purchase before they left New Zealand or, their existing travel insurance policy has expired.

Please read our conditions of purchase carefully. We can only provide cover provided that you satisfy the following conditions at the time of purchase:

• You are aged 64 or under; and
• You have a permanent residential address in New Zealand and will be returning to resume residence in New Zealand at the end of your journey; and
• You intend to return to New Zealand on the date your policy ends; and
• You purchase your policy within 30 days from either the date you departed New Zealand; or the expiry of any other travel insurance policy; and
• Your period of overseas travel does not exceed 18 consecutive months in total from the date you originally departed New Zealand;

Please note:

• For this plan “journey” means the time from when the policy is issued while you are overseas and ends when you arrive at any immigration counter in New Zealand.
• Journeys can be up to a maximum of 90 days.
• Purchasing an Already Overseas policy is limited to one journey every 12 months.
• There is no cover provided for the first 72 hours from the start date of your certificate of insurance.

Age limit exceeded.

We are sorry.

We are unable to provide cover for this trip. Travellers aged over 80 years and over can only purchase travel insurance for a maximum duration of 6 months.

Please visit our partner website www.comparetravelinsurance.co.nz to purchase travel insurance for this trip.

Single Trip | Annual Multi-Trip

Business travel insurance  - corporate cover.

Whether you're a small start-up or colossal corporation, it pays to buy travel insurance to protect your employees when travelling for work.  TINZ covers professionals from financial losses occurred during international and domestic business trips.

24/7 EMERGENCY ASSISTANCE

At TINZ your health is our number one priority. Our emergency assistance experts are just a phone call away 24 hours a day, seven days a week.

CANCELLATION COVER

Don’t lose out if you have to cancel your business trip. We offer cover for cancellation costs if you can no longer travel or have to return home early due to unforeseen events.

TRAVEL DELAYS

Airport delays are a common frustration, especially when travelling for work. Our travel insurance provides you with compensation if you’re delayed for more than six hours.

TERRORISM COVER

 If you’re caught up in an act of terror, we’ll pay for your flight home, cover medical costs and in some cases provide you with reimbursement for trip cancellation.

RENTAL VEHICLE  EXCESS

Hiring a car for your business trip? If you have a ding we cover your rental vehicle excess giving you peace of mind on the roads.

CHOICE OF COVER

Whether you’re after the bare essentials or fully comprehensive cover, TINZ offers a range of options to suit all types of travellers and budgets.

LUGGAGE OF COVER

Rest assured with top notch cover your own luggage is covered in the event of loss or theft, whether you’re near or far from home. Phew!

FLEXIBLE  COVER

You can add on extras after you’ve left the country. You can even extend your policy from overseas if you need to extend your trip.

TRAVEL INSURANCE OPTIONS

Get cover for the things you love. Whether you’re an avid skier, an adrenalin junkie, a gadget freak or a high-end holiday maker, TINZ has the extra cover you’re looking for.

DOMESTIC TRAVEL

There are always risks when you travel, even in your home country. Protect your New Zealand holiday with domestic travel insurance and get cover for rental car excess, luggage, personal effects, lost deposits and more.

SKI INSURANCE

ADVENTURE ACTVITIES

GROUP BOOKINGS

Are you travelling with a group of employees? TINZ offers special rates that can save you significant time and money!

SPECIFIC ITEMS

PRE-EXISTING MEDICAL CONDITIONS

Don’t let a pre-existing medical condition get in the way of your business travels.  We cover 35 existing medical conditions automatically for free. You can also apply to cover additional conditions by assessment.

• OVERSEAS EMERGENCY MEDICAL ASSISTANCE^
• MEDICAL EXPENSES INCURRED OVERSEAS ^
• INLUDES DENTAL EXPENSES^
• HOSPITAL CASH ALLOWANCE
• ACCIDENTAL DEATH
• PERMANENT DISABILITY^
• CANCELLATION FEES AND LOST DEPOSITS
• ADDITIONAL ACCOMMODATION & TRAVEL EXPENSES
• INCLUDES FAMILY EMERGENCY
• INCLUDES EMERGENCY COMPANION COVER
• TRAVEL SERVICES PROVIDER INSOLVENCY
• RESUMPTION OF JOURNEY^
• DISTRUPTION OF JOURNEY^
• ALTERNATIVE TRANSPORT EXPENSES^
• LUGGAGE AND PERSONAL EFFECTS
• TRAVEL DOCUMENTS & CREDIT CARDS
• THEFT OF CASH^
• LUGGAGE & PERSONAL EFFECTS DELAY EXPENSES^
• PERSONAL LIABILITY
• RENTAL VEHICLE EXCESS
• OVERSEAS MEDICAL EXPENSES
• REARRANGEMENT OR REPATRIATION
• HIJACK AND KIDNAP^
• LOSS OF INCOME^

COMPREHENSIVE

COMPREHENSIVE PLUS

If you claim for the same or similar services/facilities under Sections 6, 7, 7A and/or 7B, we will only pay the higher of the two amounts, not both. Sub-limits may apply, please refer to the relevant sections in the Policy Document. * means that the benefit is not covered while travelling in New Zealand.

FREQUENT BUSINESS   TRAVEL

Get comprehensive corporate cover all year round. If you’re planning several business trips this year a frequent traveller policy can save you and your employees time and money.

Our annual multi-trip policy covers an unlimited number of trips over a 12 month period. We give you the same level of cover as our comprehensive international plan, meaning you get full coverage for less. You can tailor your individual trip duration from 15 days up to 90 days. Please note this policy is only available for customers under the age of 64.

 business travel insurance  FAQ'S

Just because you're travelling for work, doesn't mean you're any less vulnerable. There are a multitude of travel mishaps that could affect your trip. Business travel can be unexpectedly expensive - especially if you have an accident, get sick, lose your passport, or are stuck in an airport for days on end.  That’s why corporate travel insurance is essential for your next work away day!

Q. Does your frequent traveller policy cover for business trips?

Yes, our frequent traveller plan covers you both at work and play that’s the beauty of this policy. An annual multi-trip policy covers you for lots of little trips throughout the year, not one single trip with a duration of 12 months. Keep in mind that for each business trip you take there is a limit on the number of days that you can be away. This is known as a ‘maximum trip duration’. The best thing, you don’t need to tell us when you’re travelling or where you’re going!

Q. What is TINZ’s age limit?

Persons of any age can buy a policy, however trip limits do apply. Those under 69 years can purchase a policy for a maximum trip duration of 18 months only. Those over 70 can purchase a policy for a maximum trip duration of 6 months only. Our frequent traveller policy is only available to travellers aged 64 and under. 

Q. Is my work laptop or phone covered?

We cover to repair or replace the cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones which belong to you, not your business.

Q. Is personal or legal liability covered for business trips?

No, we will not pay for any amount you become legally liable for if your claim arises directly or indirectly from, or is in any way connected with your employment in any business, profession, trade or occupation.

Q.  Do you cover employees with pre-existing medical conditions?

Travel insurance only provides cover for emergency overseas medical events that are unforeseen. Medical conditions that were pre-existing at the time of the policy being issued are not covered, unless they are a condition that we expressly agree to cover. For further information and a see a full list of covered conditions.

Q: What is rental vehicle excess? 

Most rental cars come with standard hire car insurance included (often called basic insurance), but if your hire car is damaged or stolen, the ‘excess’ is the amount of money you have to pay the rental company upon returning the vehicle. The excess is usually around $3,000 to $5,000 for a standard vehicle. Should you have a ding in your hire car you're covered up to $6,000 for the rental vehicle excess applicable whether it was your fault or someone else’s.

Q.  DO YOU COVER employees on work visas who are NON-RESIDENTs?

No, our plans are only available to New Zealand residents at this time.

Q.  How long does it take to apply for corporate travel insurance?

How quickly can you talk? It only takes a few minutes. Taking out travel insurance is a very straight forward process, with only about four questions to answer unlike car or home insurance applications.

Q. Are family members covered in my business travel insurance policy?

Only those listed in your Certificate of Insurance will be covered under your policy.

Q. Do you cover adventure activities on corporate away days?

We automatically cover you for a wide range of activities while you’re away, however some activities require an additional premium. Check the full list of sports adventure activities.

Q. Do you cover loss of income?

We cover you for injury which occurs during an overseas journey which causes you to become disabled within 30 days of the injury, and as a result you cannot do your normal work and lose your income. General exclusions apply for certain trades or occupations, particularly hazardous risky activities and if you do not act in a responsible way to protect yourself. See Policy Document for more details.

Q. when am I not covered?

We will not cover you if your claim is recoverable by compensation under any workers compensation or transport accident laws.

Q. What do I do if I need to make a claim?

If you need to make a claim please review the ‘ Make A Claim ’ section of our website it will detail the steps to make a claim.

Because life’s a trip

Before You Buy

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Business travel insurance | Cover for corporates

Are you covered by your company when you travel abroad on a business trip? Perhaps you need to organise travel insurance for an employee going oversea? Or maybe you’ve got a group trip and you need a professional policy for lots of staff? If that's you, you've come to the right place!

Corporate travel insurance for professionals covers companies from financial losses occurred by employees during international and domestic business trips.

Why buy business travel insurance?

Convenience:  Just one policy and you can cover multiple employees in one go

It's tax deductable:  The premium paid by your practice or business may be a legitimate tax deductible expense for business travel

Annual cover: Don't buy cover for every business trip individually. Buy one policy for year-round worldwide travel Cost savings:  The prices on our site are the same and buying direct. We compare insurer’s quotes to help you find a great deal on your corporate travel insurance

Who should buy it?

Small businesses:   Small business owners, shareholders and directors Self-managed super funds: Trustees and fund managers Professional practices:  Principal practice partners, shareholders and directors

Individuals: Staff members who often travel domestically and internationally for meetings

Get a travel insurance quote

Looking for cover from the experts? Get business class cover with Covermore . Both business and leisure travel is allowed. 

What policy should I buy for my business?

Individual business insurance If you’ve just got one employee to arrange cover for, this is the policy you’ll need. You don't need to do anything different to select a business trip on our comparison. You can either chose to buy a single trip policy, or if you know the individual will be going overseas on a regular basis it’s best to buy an annual multi trip policy to cover for unlimited trips over the year. For business trips each journey throughout the year cannot exceed a maximum number of days - usually 90 days is the longest duration. These limits apply to both leisure and business travel. 

Group policy If you’ve got a group of employees to cover, instead of each person buying individual cover, simply buy one policy to cover all travellers. It very important to make sure you know everyone’s medical history as the   group organiser is responsible for answering all the questions on behalf of the whole group.  Before you buy, make sure you know everyone’s name, date of birth and all pre-existing medical conditions . If an employee does have a pre-existing medical condition they might be required to complete a medical questionnaire before the policy can be purchased, depending on what the condition is.

Domestic trips only If business travel is just within New Zealand you might consider a basic policy or cancellation only policy to cover transport delays and cancellation.

What typically covered?

Medical and hospital expenses Cover in case you are injured or sick while overseas. Includes hospital stays, surgery, dental and prescription drugs.

Luggage and personal effects If your baggage and personal items are lost, stolen, or damaged you would be reimbursed or the items replaced.

Cancellation cover Cover for prepaid travel & accommodation if you need to cancel because of illness, accident, natural disaster or unforeseen circumstance.

Personal liability Provides protection for you being legally liable for injuring other people or causing damage to their property.

Travel delay expenses In the event your transport is delayed due to an unforeseen reason, your accommodation, meals, and transport costs will be covered.

Rental vehicle excess If you hire a car and have an accident, you won't have to pay the excess (this could be as much as $8k!)

Alternative transport If your transport is cancelled on your way to a pre-booked event alternative transportation will be provided.

And much more!

What's usually not?

Older travellers Age restrictions may apply to business travel insurance policies.

Long trips If purchasing annual cover, just like standard frequent traveller insurance, each individual trip may have trip duration limits to pay attention to.

Cancellations Business travel insurance typically does not cover cancellation or shortened trips due to any work-related issues, such as annual leave being cancelled. However, if you, or your travelling companion are made redundant and you were not aware before you purchased your policy you might be eligible for cancellation cover.

Read the small print

We can't stress enough how each insurer's terms and conditions vary dramatically. It's essential that you always read the PDS in full before you purchase your corporate cover to ensure that it is right for your trip. 

Protect your biggest investment - you!

Our Travel Insurance Comparision Helps You

Save time, worry and loads of money.

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CoverDirect NZ Limited (INC 3526051) owns and operates this website.

Our comparison is a free service that makes it easy for users to compare multiple quotes, saving both time and money. Our comparison ranks quotes according to price and is limited to those insurers that have agreed to participate on the site. CoverDirect NZ Limited does not hold a financial services licence. The comparison does not take your personal circumstances into account; as such, all information provided should be considered general and should not be considered as advice or a recommendation. Whilst we take all reasonable care when preparing this information, we do not warrant its accuracy. Pricing information is supplied by the insurance providers and ALL policy details should be verified with the before you purchase. This site links users to the website of the insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase. We do not issue insurance. Users purchase directly from the travel insurance provider.

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Corporate Travel Insurance

Comprehensive, flexible cover with global assistance on hand 24 hours a day.

Why Choose AIG for Corporate Travel Insurance?

Business travel is a part of life for many employees and a large investment for many companies. Unfortunately, even the best planned itineraries can be ruined if an unexpected event occurs. Let AIG take the worry out of your travel plans with comprehensive travel insurance and worldwide assistance from AIG Travel, our wholly owned travel partner. Whenever or wherever the unexpected occurs, we are ready to help 24-hours a day, in 40 different languages, with seamless service between the AIG Travel team and AIG claims.

Effective corporate travel policies should be comprehensive, easy to understand and, of course, affordable. When the unexpected happens, assistance should be global, fast-acting, and reliable . Finally, claims handling must be exemplary – with employees able to speak to a knowledgeable representative, wherever they are.

The AIG Advantage

Tailored cover.

We know that no two companies are the same. We offer a range of benefits and can tailor a package that suits the individual needs of the company and its employees.

Assistance always on hand

our employees have access to medical advice over the phone 24/7. Advice is available in 40 different languages, with real-time translation services for other languages and dialects.

Fast, efficient claims service

Every claim receives personal attention from our experienced claims team, with fast and efficient claims settlements

AIG Travel app

AIG Corporate Travel Insurance now has an added benefit, with the introduction of the  AIG Travel app . The  App  provides you with important travel information at your fingertips, including contact with our 24-hour Emergency Assistance Centre, at the touch of a button.

AIG Corporate Travel Insurance Solutions

What's covered.

Our flexible, comprehensive travel insurance cover can be adapted to your requirements for employees aged up to 80 years. Features include:

• Automatic access to Travel Guard, AIG’s 24-hour worldwide assistance company.
• Unlimited overseas medical & evacuation expenses with pre-existing medical conditions and pregnancy events covered*
• Large limits for loss of deposits & additional expenses, including for volunteer services return home and overbooked flights. Frequent flyer points can also be reimbursed.
• High baggage limits of $25,000. Cover includes replacement of tools of trade/traveller samples and golf equipment hire.
• Standard limit of $250,000 personal injury cover, including cover for independent financial advice, trauma counselling and kiwi saver contributions.
• Cover for rental vehicle excess (when rental vehicle insurance is included with car hire or purchased separately).
• Identity Guard to cover costs associated with identify theft, including legal expenses, lost wages, unauthorised use and miscellaneous expenses.
• Leisure travel cover for directors & nominated executives, their accompanying spouse & dependent children.
• Kidnap, ransom and extortion cover of up to $250,000.
• Personal liability cover of up to $5,000,000 with separate cover for additional legal expenses of up to $100,000.

^Cover is subject to terms and conditions

* no cover provided for terminal conditions, or if unfit for travel, travelling against doctor’s orders or travelling to seek medical advice.

Travel Guard

Some things are too important to be outsourced to a third party. That is why AIG is the only major provider of Accident and Health insurance to have its own, wholly owned assistance company – Travel Guard.

Travel Guard is a worldwide leader in travel insurance and assistance services, consisting of six strategically located, multi-lingual, 24-hour assistance centres.  Travel Guard has over 1,000 staff ready to assist when required.

Travel Guard services include emergency medical and travel aid as well as medical advice from doctors and nurses 24-hours a day in many different languages and dialects.

Travel Guard’s global reach, unparalleled service quality and proven operational capabilities allow clients to receive best-in-class care.

If you require assistance or advice from Travel Guard please phone the Travel Guard helpline:

Travel Guard Helpline:  +64 9 359 1678  (reverse charge where available).

Who's it for?

• Small to large businesses in all industries
• Growing middle-market companies
• Multinational corporations
• Simplified underwriting processes based on your unique occupational duties, with competitive options to best suit your needs.
• Access to AIG’s world-leading travel insurance assistance company,  providing emergency medical assistance for business travellers 24 hours a day – even if a claim is not being made.
• Access to AIG’s policy services, including country reports with key destination information at no charge. In-depth country reports with detailed and comprehensive analysis of your destination are available at additional cost.
• Skilled, experienced claims team providing personal attention and fast and efficient claims settlements.

For any enquiries about purchasing, renewing or making a claim on an AIG business policy, please contact your insurance broker or find a broker  here .

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Business & Corporate Travel Insurance

You need business & corporate travel insurance:.

If you travel on business.

Risk losing your luggage.

Risk travel delays getting to a meeting.

Risk losing travel documents.

Risk becoming sick or injured while travelling.

Get advice, Get a Quote, Get Cover.

Years in business 1-2 3-5 5+

Turnover $100K+ $300K+ $500K+ $1M+

Why Get Business & Corporate Travel Insurance? New Zealand is a small country, and to make an impression on a new overseas client or continue a relationship will often require travel – the personal touch.

There are associated risks with travel, however: getting stuck in a foreign country whilst luggage has gone to another country, delays with getting to meetings, loss of travel documents, or becoming sick or injured and winding up in a foreign hospital, with no idea of how to pay the bill, or whether the treatment received will even be adequate.

Saffron can provide Business & Corporate Travel Insurance that will cover:

The costs of medical treatment.

Lost or stolen luggage or money.

Repatriation, kidnap and ransom.

Rental vehicle excess.

Personal accident and personal liability.

For more information or an obligation-free insurance quote, complete the form, and your Saffron Business Insurance Broker will contact you shortly.

Saffron Business Insurance specialises in corporate travel insurance to ensure that you are suitably protected, and can operate knowing that should the worst happen, you’re covered.

Through leading insurers, our Brokers can offer a comprehensive range of corporate travel insurance products that can suit most business risks. Cover can be extended to include Leisure Travel and also travel within New Zealand. New Zealand.

Saffron can provide cover for all of your Business Insurance needs, whether Property, Liability, Motor, or Marine. We tailor-make packages to suit your requirements, dependent on your business needs.

Having the right corporate travel insurance in place offers you peace of mind, and offers protection for you and your staff. Getting a corporate travel policy means you can let your insurer deal with any problems, while you get on with running your business.

Our experienced Saffron Business Insurance Brokers can help you get the right insurance cover, by assessing your specific needs, and recommending the best value insurance solution for your business, whilst still maintaining the highest standard of cover.

What Clients Are Saying:

Tammy, you’ve been an absolute pleasure to deal with. The premium was fantastic!

Great service, great attitude – it’s how getting insured should be – EASY AS! thanks Saffron Business Insurance for a superb start to what I expect to be a long standing relationship. Mal Snaize IT Consultant.

Excellent customer service support when required, great knowledge of insurance options.

Absolutely Fantastic Fast , Friendly and very professional. This is what every Kiwi business needs to strive to achieve. Saffron Insurance is exemplary.

Our request for Liability Insurance was not run of the mill, yet Saffron (Bianca Painter) went out of their way to assist. The help we got from Bianca was excellent. Our request for public liability insurance was not standard and she was able to use her industry knowledge to provide what we needed. Excellent industry knowledge and service!

Our previous broker just rolled us over each  year without seeming to do much, Saffron went  the extra mile to find the best cover for us, including investigating overseas markets.

A pleasure and an honour to deal with.

We have dealt with Bianca Painter at Saffron Business Insurance. Bianca’s knowledge of the insurance business, together with the service that has provided by her, has made our insurance portfolio more efficient and easier to understand. Bianca is always available to help with any query or problem and it has been an absolutely pleasure dealing with her. Would highly recommend this company.

Thank you for your patience, I must say  you have been very easy and professional  to deal with, we thank you for this

Saffron helped us make cost saving changes to our policies which didn’t reduce our cover at all, and which we would never have spotted; that’s when you realise you’re being dealt with by a true professional.

Management Team:

Bianca Painter Director CIP, ANZIIF Snr Associate

Steve Shimwell Business Development Director

Disclosure: Saffron Business Insurance Limited is a licensed Commercial Insurance Broker (Financial Service Providers Register: FSP 719612), a member of the Insurance Brokers Association of New Zealand (IBANZ) (https://ibanz.co.nz/), and a Broker Network member of Steadfast Group Limited (https://www.steadfastnz.nz/), an intermediary network that assists insurance brokers in day-to-day management, expertise, and the compilation of a number of specially written policies for the benefit of our clients. Saffron Insurance's Physical Office is located at: Level 1, 50, Centre Way, Orewa, Auckland. Our main remuneration for services is calculated as either commission paid to us by the insurer or underwriting agency, or a fee paid by you, or a combination of commission and fee; a full Disclosure Statement is available from your appointed broker. FINANCIAL SERVICES COMPLAINTS LTD (FSCL) (http://www.fscl.org.nz/): Under the Financial Service Providers (Registration and Dispute Resolution) Act 2008, all individuals that are providing advice about Fire & General Insurance Products are required to be registered and have an approved external dispute resolution provider. Saffron Insurance has chosen Financial Services Complaints Limited (FSCL) to be our provider. FSCL provides dispute resolution services to participating financial service providers (FSPs) and their clients. The FSCL process focuses on resolving complaints through conciliation and assisted negotiation, and is also able to make formal Determinations which are binding on Financial Service Providers.

Privacy policy: saffron business insurance limited (“saffron”) complies with new zealand law protecting client privacy and data. compliance is very specific in insurance, in regulation and management of such privacy and data for clients, and details of our procedures for clients can be found on our terms and conditions page. in addition to the compliance applied to our clients, the following privacy policy applies specifically to clients, all persons and organisations contacting us, visitors to our website, and persons or organisations responding to our online advertising content. privacy policy purpose: 1. the purpose of this privacy policy is to let users of saffronbusinessinsurance.co.nz (the “site”) know when we collect personal information and what we do with it. we do not use, share or transfer personal information in connection with the site except as set out in this policy. collection, storage and use. 2. no need to disclose personal information. the site can be viewed and its web feeds can be subscribed to without the need to disclose any personal information to us. 3. your disclosure of personal information. however, you may choose to disclose personal information when adding material to the site or submitting your contact details via contact forms. such information will be viewable by site administrators, staff, and contractors (including third parties providing services related to the administration, improvement, and/or securing of the site and the information it contains (“third party contractors”)) and, if published voluntarily in the blog, members of the public. please do not post or otherwise transmit personal information of a sensitive nature. 4. holding of information. personal information that you provide will be held by saffron, and may be shared with, and held by, third party contractors to the extent necessary for the services they provide related to the administration, improvement, and/or securing of the site and the information it contains. email addresses provided when commenting in the discussion forum or other areas of the site or when emailing feedback directly to us are not made available to the public. unless required by law, we will not publicise the names or email addresses of individuals who provide feedback to us without their consent. 5. use of personal information. we will only use personal information provided to us for the purposes of administering, evaluating, improving, and securing the site and the information it contains, improving our services and communicating with you in response to enquiries you have made regarding our products or services. 6. feedback. feedback is important and is used to evaluate and improve the site. if you provide feedback on the site directly via the supplied email address, that feedback will be sent to appropriate saffron staff. we may pass on relevant comments to other people within saffron who administer, have contributed content to, or are otherwise interested in, the site. this could include your email address and other identifying information. statistical information, advertising, remarketing and cookies. 7. statistical information collected: we may collect statistical information about your visit to help us improve the site. this information is aggregated and non-personally identifying. it includes: -your ip address, the search terms you used, the pages you accessed on our site, and the links you clicked on, the date and time you visited the site, the referring site (if any) through which you clicked through to this site, your operating system (e.g., windows xp, mac os x), the type of web browser you use (e.g. internet explorer, mozilla firefox); and, other incidental matters such as screen resolution and the language setting of your browser. 8. use of statistical information. the statistical information referred to above will be viewable by site administrators and certain other saffron staff. 9. cookies. this site generates persistent session cookies for the purpose of monitoring site usage and for marketing and remarketing purposes using the google display and google search networks and facebook. the cookies may be used to to show our adverts on third party websites, including google’s and facebook's own websites. the third party websites may use cookies to display appropriately targeted ads based on your enquiries and browsing preferences. the cookies do not collect personal information. you can disable them or clear them out of the web browser you are using to view this site without affecting your ability to use the site. you can opt out of google cookies, please follow the link to google’s ad settings to find out how. records and disclosure statement. 10. public records. your emails and contributions to the site may constitute public records and be retained to the extent required by the public records act 2005. rights of access and correction. 11. your rights under the privacy act 1993, you have the right to access and to request correction of any of your personal information provided to saffron in connection with your use of this site. if you would like to see the personal information relating to you that saffron has stored, or to change such personal information, or if you have any concerns regarding your privacy, please contact us at the address set out below. saffron may require proof of your identity before being able to provide you with any personal information..

Copyright © 2020 Saffron Insurance Limited.  

• Visitors/ Work Visas in NZ
• Medical Staff
• Working Holiday Visas
• International Students
• Seasonal Workers/ RSE
• Group Travel (Sports, School, Cultural & Family)
• Long Term OE / Expatriate Insurance
• Pro Sports / High Risk Activities
• Corporate Annual Travel / Business

Whether you run a multi-national business, or simply need to travel regularly to conferences or meetings overseas, you need an annual travel policy that meets your personal and business requirements.

Business travel often requires depth of cover often not found in standard leisure travel insurance – for example high limits for business luggage, terrorism cover, alternative employee expenses, and so on.

We have a large variety of business and corporate travel insurance policies including cover for high risk work activities and automatic cover for pre-existing medical conditions (conditions apply). We can tailor a package to meet your company’s particular needs.

Key Benefits of Quality Business / Annual Travel Insurance

• Unlimited medical and evacuation expenses
• Low or nil excess /deductible on medical claims
• High limits for business luggage including laptops, smartphones, emergency items if luggage is delayed
• Alternative employee travel / resumption of travel following a medical evacuation for an insured event
• Personal liability coverage, missed flights, travel delay and so on.

Get a  free insurance quote  now or  contact us  if you have questions or want to discuss your unique requirements. We have great experience developing special custom insurance plans for business and corporate clients and we're happy to help.

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Business & Expatriate

Need assistance or ready to organise your insurance? Don't wait, call us FREE 0800 855 0772

Health and Travel

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• Cancel Policy
• Make a claim

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Travel safe with new zealand's most trusted travel insurer ^, get a quick travel insurance quote, win $5,000 of unforgettable memories~.

Whether you’re dreaming of sightseeing Turkey by hot air balloon, or hitting the slopes in Nagano, imagine the unforgettable memories you could have with an extra $5,000! All you need to do to enter is buy an International Comprehensive, International Medical Only or Domestic travel insurance policy between midnight 3 June and midnight 30 June 2024 and you’ll automatically go in the draw. 

Find out more

Why choose Southern Cross Travel Insurance?

+ Based upon the total number of travellers trips we have insured across the markets where we operate for all our travel insurance products from January 1995 to October 2023. # Based upon the total number of claims we paid as a proportion of all claims we received across the markets where we operate for all our travel insurance products from 1 January to 31 December 2023.

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With Kiwi travellers for over 40 years

SCTI is part of the Southern Cross group; one of New Zealand’s most enduring and trusted brands. We’re 100% New Zealand owned, and have worked hard to forge a reputation as our country’s leading travel insurer. During this time, we're extremely proud to be recognised both locally and internationally for our commitment to delivering quality products, value for money and dedication to customer service.

See all our awards

What is travel insurance?

Travelling is all about discovering the unknown, so it’s no surprise that there can be a few hiccups along the way! Travel insurance is designed to better protect you from these unexpected events, from the moment you book your trip to the day you return home. Whether you have an unexpected flight delay or medical emergency, we’re here to help. Let us worry about what could go wrong, so you can start dreaming about what will go right.

How to compare travel insurance

What can travel insurance cover?°

We offer cover for unexpected events, so you can travel with peace of mind. We know each traveller and trip is different - that’s why we offer different policies and add ons so you can choose the type and level of cover you need - which may, or may not, include some of the scenarios below. As with any insurance policy, terms, conditions and exclusions apply so always make sure you read the Policy Document  before buying your travel insurance policy to make sure it is right for you.

If you are diagnosed with COVID-19 before you leave, or while on your journey, we offer cover in some scenarios

° Please refer to the individual Policy Documents to see what your chosen policy covers.

See what's covered

We offer travel insurance that suits how you want to travel

We know how important it is to make sure you have the right type - and level - of cover, so we have different travel insurance policies to suit different types of travel, and the ability to personalise your cover to suit you with our optional add-ons. Whether you’re heading to Fiji for some R&R, London for an OE or Queenstown to hit the slopes, we’re with you.

Have questions?

See all our FAQs

What our customers have to say about us

Need some inspiration.

When it comes to travelling, there’s always room for the unexpected to happen, that’s why we provide 24/7 emergency assistance and a simple process to make a claim on our website.

With New Zealand travellers for over 40 years

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• Travel Insurance

Already with AMI? Take 10% off your travel insurance.*

*Use promo code AMICUST Discount applies to existing AMI customers and to premiums for the standard policies net of Government levies and GST (if applicable). Discounts do not apply to premiums for cover additional to standard policies or to any minimum premium.

Great options to suit your travel within New Zealand or overseas

Overseas cover & annual multi-trip cover

Our overseas travel covers medical, dental and hospital treatment*, lost luggage, and personal liability, and can get you and your family home in certain emergencies.

Travel a lot? Take out our annual multi-trip option and you’re covered for as many trips as you like, for 12 months.**

Find out more

Domestic Cover

If your plans while travelling in New Zealand change unexpectedly, we can cover the cost of cancelling or amending your flight, accommodation or rental car bookings and other expenses, up to $10,000.

Inbound Cover - Visiting NZ

Are you a non-resident visiting friends and family in NZ, or on a working holiday? Our Inbound plan can cover medical and dental expenses, luggage and travel documents, rental vehicle insurance excess, personal liability and more!

Travel Cover During Covid-19

Planning an adventure? Check out our scenario-based FAQs explaining how we could cover you if Covid-19 plays havoc with your trip: AMI Travel Cover and Covid-19 FAQs

Find out before you go – our Covid-19 Benefits Destination Guide explains how AMI Travel cover applies when travelling to different international destinations: Covid-19 Benefits Destination Guide

Still unsure? Ask us a question

Compare our Travel Cover Plans

Every driver’s different, so our car policies come with different features.

Policy benefits

Medical and dental expenses

Additional expenses

Amendment or cancellation costs

Luggage and travel documents

Delayed luggage allowance

Rental vehicle insurance excess

Travel delay

Resumption of journey

Missed connections

Special events

Hospital incidentals

Loss of income

Accidental death

Legal expenses

Personal liability

Get a travel quote now

This is only a summary of benefits provided. Please refer to AMI Travel Policy Wording for full details of the cover provided. Please read the entire document carefully to understand what this policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply.

Specific terms, conditions and exclusions apply to Covid-19. See the policy wording for the most up to date information.

* Cover will not exceed 12 months from the onset of the illness or injury. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to our Inbound Plan. ^ Cover chosen applies per policy. See the policy wording . • Item limits apply for any one item, set or pair of items including attached or unattached accessories. You may increase these item limits if you wish. See the policy wording . # If you or your travelling companion are diagnosed with Covid-19 by a qualified medical practitioner and are unable to travel, you can claim cancellation or amendment costs for your prepaid trip up to a benefit limit of $10,000 per policy on an international Plan or $5,000 per policy on a Domestic Plan or if applicable, up to the level of cover purchased for cancellation (whichever is lower). There is also no cover if symptoms or diagnosis occurred prior to buying your policy. ~ The maximum liability collectively 14, 15, and 16 is $15,000 International Plan, and $10,000 on a Domestic Plan

This is only a summary of the benefit provided. Please refer to the policy wording . For details of the cover provided. Please read the entire document carefully to understand what the relevant policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply, and this summary of benefits table may change at any time.

Before you travel

Travel safety

Find out more information about events that may affect you when you travel.

Travel tips

Our team of intrepid Kiwi travellers has come up with a list of handy travel tips to help make your holiday even better.

AMI Travel insurance is underwritten by Zurich Australian Insurance Limited ("ZAIL") incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. IAG New Zealand Limited (“IAG”), of which AMI is a business division, is not the insurer. IAG receives a commission for the issue of AMI-branded travel policies arranged through Cover-More (NZ) Limited (“Cover-More”). Cover-More administers the policy and acts on behalf of Zurich New Zealand. IAG does not guarantee Zurich New Zealand or Cover-More.

AMI Travel Website Disclaimer 12072022

Limits, sub-limits, conditions, and exclusions apply. Standard excess may apply.

AMI Travel insurance is administered by Cover-More NZ Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640 , trading as Zurich New Zealand. For further information see Zurich New Zealand's financial strength rating .

Any advice is general advice only. Consider the AMI Travel Policy Brochure and wording therein before deciding to buy this product. IAG receives a commission for the issue of AMI branded travel policies arranged through Cover-More (NZ) Limited ("Cover-More").

IAG New Zealand Limited ("IAG"), of which AMI is a business division, is not the insurer. IAG does not guarantee Zurich New Zealand or Cover-More.

Quick and easy claims We're here for you if something disrupts your trip. Save time and submit your claim online.

Where are you going.

Worldwide including the Americas, the Caribbean and Antarctica: Antarctica (Cruising), Antigua and Barbuda, Argentina, Bahamas, Barbados, Belize, Bermuda, Bolivia, Brazil, Canada, Cayman Islands, Chile, Colombia, Costa Rica, Cuba, Dominica, Dominican Rep, Ecuador, El Salvador, Falkland Islands, French Guiana, Greenland, Grenada, Guadeloupe, Guatemala, Guyana, Haiti, Honduras, Jamaica, Martinique, Mexico, Netherlands Antilles, Nicaragua, Panama, Paraguay, Peru, Puerto Rico, St. Kitts and Nevis, St. Lucia, St. Vincent and Grenadines, Suriname, Trinidad and Tobago, United States of America, Uruguay, Venezuela, Virgin Islands.

Africa, Middle East, Indian Sub-Continent and Asia (other): Afghanistan, Algeria, Angola, Azores, Azerbaijan, Bahrain, Bangladesh, Benin, Bhutan, Botswana, Burkina Faso, Burundi, Cameroon, Canary Islands, Cape Verde, Chad, China, Central African Republic, Comoros, Congo (Dem. Rep), Djibouti, Egypt, Eritrea, Ethiopia, Equatorial Guinea, Gabon, Gambia, Ghana, Guinea, Guinea Bissau, India, Israel, Iran, Iraq, Ivory Coast, Jordan, Kazakhstan, Kenya, Korea (north), Korea (south), Kuwait, Kyrgyzstan, Lebanon, Lesotho, Liberia, Libya, Macau, Madagascar, Mauritius, Mauritania, Mozambique, Maldives, Malawi, Mali, Mongolia, Morocco, Namibia, Nepal, Nigeria, Niger, Oman, Pakistan, Qatar, Reunion, Rwanda, São Tomé and Príncipe, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, South Korea, South Sudan, Sri Lanka, Sudan, Swaziland, Syria, Taiwan, Tajikistan, Tanzania, Togo, Tunisia, Turkey, Turkmenistan, Uganda, United Arab Emirates, Uzbekistan, Yemen, Zambia, Zimbabwe.

Europe: Albania, Andorra, Armenia, Austria, Belarus, Belgium, Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Herzegovina, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Maderia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, Vatican City.

UK: Channel Islands, England, Northern Ireland, Scotland, United Kingdom, Wales.

South East Asia, Hong Kong, Japan: Brunei, Cambodia, East Timor, Federated States of Micronesia, Guam, Marshall Islands, Micronesia, Hong Kong, Indonesia, Japan, Kiribati, Laos, Malaysia, Myanmar (Burma), Nauru, Northern Marianas, Palau, Papua New Guinea, Philippines, Singapore, Thailand, Vietnam

South Pacific and Norfolk Island:  Cook Islands, Fiji, French Polynesia, New Caledonia, Niue, Norfolk Island, Samoa, Solomon Islands, Tokelau, Tonga, Tuvalu, Vanuatu, Western Samoa.

New Zealand Only:  New Zealand domestic travel

New Zealand Inbound Travellers :   New Zealand

Dates of Travel

Departure date (travel start date).

Single Trip - The date you depart New Zealand

Cover under the Amendment or Cancellation Costs benefit begins from the time you buy your policy. Cover under all other sections begins from the Travel Start Date you select.

Annual Multi-Trip - The date your policy will commence

Cover under the Amendment or Cancellation Costs benefit begins from the time you buy your policy. For further information, we recommend you read the definition of "Relevant Time" in the Policy Wording.

Return date - (Travel end date)

Single Trip - The date you return to your home

Annual Multi-Trip

Regardless of what you enter as the Return date, you will be quoted for a 12 month Annual Multi-Trip policy.

For further information we recommend that you read the definition of "Relevant Time" in the Policy Wording.

Traveller Details

Age of each traveller at issue date

Simply enter the age of each traveller including children.

Only use as many boxes as you have travellers.

Do all travellers live in New Zealand?

New Zealand resident travellers are able to purchase Travel Insurance policies from us to any area of travel and any country/destination.

Non-New Zealand resident travellers are only able to purchase a Travel Insurance policy if travelling inbound to New Zealand.

For Non-New Zealand resident travellers wanting to purchase Travel Insurance to travel to any other part of the world other than travel to New Zealand, please contact us as we may still be able to offer cover to you.

• Financial strength

Allianz New Zealand

Connect with our network, club marine nz, hunter premium funding, primacy australia, allianz global corporate & specialty, allianz partners, allianz trade new zealand.

Travel Insurance

Existing State customers get a 10% discount.*

Use Promo code: STATECUST

*Discount applies to existing State customers and to premiums for the standard policies net of Government levies and GST (if applicable). Discounts do not apply to premiums for cover additional to standard policies or to any minimum premium.

Important information: The  Policy Wording  includes specific information on how State Travel Insurance will respond to claims related to Covid-19.

A range of options for your domestic or overseas travel

Overseas cover & annual multi-trip cover

Your back up when going across the ditch or further afield.

Our cover includes medical and dental expenses* loss or theft of luggage, delayed travel and more. You can also select cover for travel related expenses if you need to change or cancel your trip.

Travel a lot? Take out our annual multi-trip option and you’re covered for as many trips as you like, for 12 months.**

See https://safetravel.govt.nz/ for the latest government advice regarding overseas travel.

Anywhere in NZ

Domestic cancellation.

Covers changes and cancellations outside of your control before you leave and extra expenses due to unforeseen circumstances while you're away. You choose the cover amount.

Domestic Plan

Comprehensive cover that also includes lost luggage, medical and dental expenses, and rental vehicle excess cover.

Inbound Cover Visiting NZ

If you are a non-resident visiting NZ our Inbound policy can cover medical and dental expenses, luggage and travel documents, rental vehicle insurance excess and personal liability.

Travel Cover During Covid-19

Travelling Overseas? Check out our handy scenario-based FAQs explaining how we could cover you if Covid-19 plays havoc with your trip: State Travel Cover and Covid-19 FAQs

Know before you go – our Covid-19 Benefits Destination Guide explains how State Travel cover applies when travelling to different international destinations: Covid-19 Benefits Destination Guide

*Medical cover will not exceed 12 months from onset. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to the Inbound Plan.

**For 12 months, over 100km from home, including domestic travel, up to maximum number of days per journey as selected by you.

Get more from your travel insurance

24-hour assistance.

24/7 access to a team of experts with a global network of doctors, nurses, and logistical staff. Cover for emergency accommodation and transport expenses if a disaster like a volcano, tsunami, earthquake, or flood disrupts your journey.

Overseas medical cover

Includes hospital, medical, surgical, emergency dental and ambulance costs. Plus help to arrange treatment and medical evacuation.

Get 10% off when you buy online

*Discount applies to existing State customers and to premiums for standard policies net of Government levies (if applicable) and GST. Discounts do not apply to premiums for cover additional to standard policies or to any minimum premium.

Quick online claims

You can claim  online  while you are travelling.  Find out more

Award winning Travel Insurance

State is proud to be one of New Zealand’s most trusted brands for Travel Insurance.

Earn Flybuys™ on every policy you have with State. Don’t forget to  register your Flybuys  number with us, as we’ll also give you chances to get bonus Flybuys throughout the year too. Sweet.

The policy type you choose changes what you are covered for.

Select cover option:

International

Single Trip or Annual Multi-Trip

Limit per adult unless stated otherwise

Up to $1,500 for emergency dental expenses

Up to $1,000 per month

This is only a summary of the benefits provided. Please refer to the Policy Wordings for details of the cover provided.

Limit per adult

Up to $2,500 for personal vehicle insurance excess

Up to $250 per month

Single Trip

Limit per person

(choose the amount of cover that suits, on a per person basis)#

Not included

If you or your travelling companion are diagnosed with Covid-19 by a qualified medical practitioner and are unable to travel, you can claim cancellation or amendment costs for your prepaid trip up to a benefit limit of $10,000 per policy on an International Plan or $5,000 per policy on a Domestic Plan or if applicable, up to the level of cover purchased for cancellation (whichever is lower). There is also no cover if symptoms or diagnosis occurred prior to buying your policy. See the Policy Wording .

*Medical and dental expenses cover will not exceed 12 months from onset of the medical condition. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to the Inbound plan.

^ Cover chosen applies per policy. See the Policy Wording .

• Item limits applies for anyone item, set or pair of items including attached or unattached accessories. You may increase these item limits if you wish. See the Policy Wording .

No cover for trip cancellation costs for trips commencing within 21 days of policy purchase date if you test positive to COVID-19 and cannot travel. If your COVID-19 related cancellation claim is approved, then the maximum we will pay per policy is $5,000 for international trips and $2,500 for Domestic trips. See the Policy Wording .

# You can choose $200, $400, $800, or $1,500.

~ The maximum liability collectively for Sections 14, 15, and 16 is $15,000 International Plan, and $10,000 Domestic Plan.

This is only a summary of the benefit provided. Please refer to the Policy Wording . For details of the cover provided. Please read the entire document carefully to understand what the relevant policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply, and this summary of benefits table may change at any time.

Our State Travel Insurance  contains benefits relating to the Covid-19 pandemic. While your Policy Wording  may respond, your claim remains subject to the terms and conditions, limitations and exclusions set out in the Policy Wording . Please ensure you familiarise yourself with these in the Policy Wording before taking out travel cover. For Covid-19 cover to apply, you must not travel to a destination on the "Do not travel" list issued by SafeTravel.govt.nz .

Domestic Policy FAQ's

Why buy state domestic cover.

Our Domestic and Domestic Cancellation plans are for New Zealand residents travelling within New Zealand.

More than one third of domestic travellers experience an unexpected circumstance that can leave them out of pocket.

It doesn’t matter if you are travelling to Auckland or Amsterdam, if your child becomes unwell and you need to cancel your trip, it’s good to know you’re covered.

Specific terms, conditions and exclusions apply to Covid-19. See our State Travel Policy Wording for full details.

Here are some examples of real-life stories

• An airline lost a customer’s suitcase and the items were not recoverable Luggage Value: $2,500
• A customer’s rental vehicle was written off after a third-party collision Rental Vehicle Insurance Excess: $4,000.

Here are some examples of types of claims

Medical claims*

• Sprained limbs or broken arm, leg, wrist due to outdoor activities
• Asthma, seizure, stroke, heart attack
• Swimmer's ear/ear infection.

*Pre-existing medical conditions must be declared, and extra cover purchased under Domestic Plan prior to departure

Your cancellation costs prior to travel

• Prepaid deposits on motorhome rentals, scenic train, or ferry tickets
• Prepaid fares for rail trips, adventure holidays and cruises
• Costs for cancellation due to redundancy, illness, injury, and medical operations.

Cancellation prior to departure will result in the loss of deposits paid and in other instances full cancellation fees often apply.

Delayed travel

• Travel delays due to weather e.g. snowstorms and fog delaying connecting flights.

Luggage claims

• Broken cameras, smartphones and electronic items
• Lost spectacles, hearing aids and damaged dentures.

What Domestic options are available?

We offer 3 Domestic plan options to choose from and these can be purchased quickly and easily on our website.

Domestic plan (Single Trip Policy or Annual Multi-Trip Policy)

Our Domestic plan (Single Trip Policy and Annual Multi-Trip Policy) is our most comprehensive domestic plan.

The Domestic plan Annual Multi-Trip Policy is sometimes a more suitable option for those travellers who are planning to travel more than twice this year and for no longer than 30 days at a time within New Zealand.

Domestic Cancellation plan Single Trip Policy

Our Domestic Cancellation plan covers domestic travellers for cancellation cover only and you choose the cancellation cover limit to best meet your needs when you purchase your policy.

What activities are covered?

There are plenty of fun activities to do around New Zealand year-round, and we have a comprehensive list of activities which are covered under our Domestic plans (excludes Domestic Cancellation Plan).

Our plans automatically include:

• Bungy Jumping
• Horse Riding
• Jet Boating
• Paragliding
• Parasailing
• Snorkelling
• White Water Rafting

Other activities may be covered as an add-on to your Domestic plan (excludes Domestic Cancellation plan). See our State Travel Policy for full details.

What cover is available for Skiing and Snowboarding?

Because being on the snow and participating in winter sports activities often increases the risk of injuries or incidents, you'll need to ensure you amend your Domestic plan (excludes Domestic Cancellation plan) to include snow activities like skiing and snowboarding by purchasing a winter cover (snow sports) upgrade. This can help protect you against unforeseen costs should you have a mishap on the slopes and need medical assistance. Sporting and ski equipment are not covered whilst in use and if you are a New Zealand citizen, ACC may cover some costs due to injury caused by an accident.

You will only be covered if you have purchased the Domestic Plan with the winter cover (snow sports) upgrade and:

• You are skiing, snowboarding or snowmobiling on-piste, or cross-country skiing;
• You are not participating in a Professional capacity; and
• You are not racing.

Note: sporting and ski equipment are not covered whilst in use.

What if I travel frequently in NZ, do you have a multi-trip option?

Multi-trip travel insurance may save you time and money. If you are planning to travel more than twice this year and for no longer than 30 days at a time within New Zealand, consider our Domestic Plan Annual Multi-Trip Policy.

Can you explain the rental vehicle insurance excess?

This benefit applies to our Domestic Plan (excludes Domestic Cancellation Plan) and covers the rental vehicle excess if your rental vehicle is stolen, or damaged while you are driving. You will still need to take out rental vehicle insurance.

A $4,000 rental vehicle excess cover can save you money if you need to make a claim.

Note: that your rental agreement may still require you to take out rental vehicle insurance.

If you are driving your personal vehicle on your domestic holiday there is bonus cover of $2,500 for your comprehensive vehicle insurance excess.

What does the medical cover provide for?

Our Domestic Plan D *(excludes Domestic Cancellation Plan) can provide you with cover for unexpected medical and dental expenses up to $1,500. This is for treatment provided in New Zealand.

It only applies up to 12 months from when you suffered a disabling injury, sickness, or disease. Travel insurance protects you from unforeseen events. Routine medical or dental treatments, prenatal visits and continuation of treatments are not covered.

What existing medical conditions are covered?

We automatically cover a range of existing medical conditions (EMC) under the Domestic plan (excludes Domestic Cancellation Plan). Automatically covered conditions include - asthma, epilepsy, gastric reflux and more! Read the State Travel Policy Wording for a full list of the conditions we automatically cover. If your existing medical conditions are not all automatically covered, you may complete an online medical assessment to determine if cover is available. Other travel insurance benefits unrelated to your EMC still apply, even if cover cannot be provided for your specific condition/s.

*Medical cover will not exceed 12 months from onset. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to International or Inbound Plans.

Before you travel

Travel safety.

Find out more information about events that may affect you when you travel.

Travel tips

Our team of intrepid Kiwi travellers have come up with a list of handy travel tips to help make your holiday even better.

Limits, sub-limits, conditions, and exclusions apply. Standard excess may apply. State Travel insurance is administered by Cover-More NZ Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. For further information see Zurich New Zealand’s financial strength rating . Any advice is general advice only. Consider the State Travel Policy Brochure and wording therein before deciding to buy this product. IAG receives a commission for the issue of State branded travel policies arranged through Cover-More (NZ) Limited ("Cover-More"). IAG New Zealand Limited ("IAG"), of which State is a business division, is not the insurer. IAG does not guarantee Zurich New Zealand or Cover-More.

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• About Chubb

Who is Chubb Travel Insurance?

Chubb Travel Insurance is a worldwide leader in the provision of travel insurance products and services to millions of travellers. Chubb Travel Insurance provides travel insurance coverage for inconveniences such as trip cancellation, flight or baggage delay, personal accident protection, medical expenses cover overseas and more. With Chubb Travel Insurance, you will have access to Chubb’s assistance services when faced with an emergency whilst travelling abroad. With one simple phone call, you will be connected to our 24 hour hotline. Our call centre personnel will assist and support you wherever you are.

About Chubb in New Zealand

Chubb is a world leader in insurance. With operations in 54 countries and territories, Chubb provides corporate and commercial property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. As an underwriting company, we assess, assume and manage risk with insight and discipline. We service and pay our claims fairly and promptly. The company is also defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London, Paris and other locations, and employs more than 30,000 people worldwide.

Chubb’s operation in New Zealand (Chubb Insurance New Zealand Limited) offers corporate and commercial property & casualty, group personal accident and corporate travel insurance products. Chubb in NZ also serves individuals with a substantial home and contents portfolio to protect, and individuals purchasing travel and personal accident insurance. It leverages global expertise and local acumen to tailor solutions to mitigate risks for clients ranging from large multinational companies to local corporates and SMEs, with all product offerings transacted through brokers.

More information can be found at  www.chubb.com/nz

On January 14, 2016, ACE Limited acquired the Chubb Corporation, creating a global insurance leader operating under the renowned Chubb name. The information on this page refers to the new Chubb.

Chubb is a world leader in insurance. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients.

You may contact us via email or telephone.

Mail or Email

Chubb Insurance New Zealand Limited PO Box 734, Auckland 1140, New Zealand Email: [email protected]

For general enquiries and claims, call

0800 422 346

(Monday to Friday 10:30 am to 7:00 pm)

For 24-hour emergency assistance, call

+64 9 374 1774

Chubb Worldwide Offices

For the mailing address, telephone number and email address of any Chubb office in our global network.

Please use our office locator

Chubb. Insured.™

• Chubb Insurance New Zealand Limited
• Chubb Travel Insurance Single Trip Policy Wording
• Fact Sheets

Chubb Travel Insurance is issued and underwritten by Chubb Insurance New Zealand Limited (Chubb) Company No. 104656, FSP No. 35924. This website provides only factual information about Chubb’s products and services. The information does not take into account your personal circumstances, objectives, financial situation or needs and does not constitute financial advice. You should consider the  Chubb Travel Insurance Single Trip Policy Wording  which sets out the terms, conditions, exclusions and limitations, and obtain financial advice if required, before making any decisions about this insurance policy. Please also read Chubb's financial strength rating ,  Chubb's Privacy Statement  and Fact Sheets .

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Travel insurance that’s always by your side

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Your policy in your pocket... and more

Register your trip in our app for access to your travel insurance policy details, as well as up-to-date travel advice, real-time safety alerts and 24/7 emergency assistance, all in the palm of your hand.

Travel's back on - and we've got your back

Feel in control by choosing the most suitable plan for you

Feel safer with 24/7 access to Emergency Assistance

Feel joy with 80+ adventure activities included

Feel confident with our 17+ years of travel expertise

Looking for the best travel insurance plan for your holiday?

Whatever your travel budget, style or needs, let's travel the world together - safely.

International Basic

Essential cover designed for New Zealand travellers on a budget.

Pre-trip cover if you're diagnosed with COVID-19

On-trip cover if you're diagnosed with COVID-19^##

Unlimited~ overseas emergency medical expenses^

Up to $5,000 luggage cover

Existing medical conditions cover available

Optional cancellation cover

Single Trip policies

Annual Multi-Trip policies^

Rental vehicle insurance excess

International Comprehensive

Extensive cover and benefit limits to provide extra financial protection.

Pre-trip cover if you're diagnosed with COVID-19#

On-trip cover if you’re diagnosed with COVID-19 while travelling^##

Up to $20,000 luggage cover*

Optional cancellation cover with Cancellation Extensions

Single Trip or Annual Multi-Trip^^ policies

Rental vehicle comprehensive cover

International Comprehensive +

Everything our Comprehensive Plan includes and more + some higher benefit limits.

Pre-trip cover if you’re diagnosed with COVID-19 before travelling#

Up to $30,000 luggage cover*

Business trip benefits

~* Item limits apply.

~ Cover will not exceed 12 months from onset of the illness, condition, or injury.

^ For expenses relating to ocean or sea-going cruises, cruise-related expenses, Cruise Cover must be included in the policy. There is no cover for cabin confinement related to COVID-19.

^^ Policy availability subject to age, trip duration and area of travel. Policies may not be available to all travellers.

# Up to $10,000 per policy (or the amount chosen if this is less) applies to International Comprehensive+ Plan policyholders with amendment or cancellation costs included. If the policy was purchased less than 21 days before the departure date, this benefit limit applies only to costs paid after the purchase date and within the 48 hours prior to the purchase date. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply.

## Up to $10,000 per policy (or the amount chosen if this is less) applies per policy for policyholders with amendment or cancellation costs included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply.

Searching for COVID-19 cover?

To help you explore the world with more confidence, our travel insurance provides cover for COVID-19-related:

Overseas medical costs*~#

Amendment and cancellation costs*^

Additional expenses*#^

*Limits, sub-limits, conditions, and exclusions apply.

~Medical cover will not exceed 12 months from onset.

#Cover for medical costs related to COVID-19 is not available on our Domestic Plans.

Holiday hasn't  gone to plan?

You can submit a Cover-More travel insurance claim online at any time – and from anywhere.

Get emergency support, fast. We're here 24/7.

When adventure awaits... we can help provide cover.

Setting sail for two or more nights? You'll need to let us know and Cruise Cover will be added to your policy.

Snow Sports

Hitting the slopes? Consider protecting your winter getaway with one of our two levels of Snow Sports Cover.

Adventure Activities

Planning on engaging in extreme activities? We've got two additional Adventure Activities Cover options for you.

Motorcycle & Moped

Want to take to the road on two wheels? See if our Motorcycle/Moped+ Cover option is right for your trip.

We're by your side when you need us most

We've been protecting New Zealand travellers for over 17 years. Read our customers' Cover-More travel insurance reviews to discover how our expert team provides exceptional care during uncertain times.

Mosquito bite in Bali

Senka contracted Dengue fever in Bali, Indonesia, and spent five days in the hospital.

"When I was in hospital I spoke to Cover-More every day, and because I was in Bali on my own that was so reassuring."

Hip fracture in Australia

Diane’s father, John, fractured his hip on holiday in Australia and required surgery.

"Cover-More has been absolutely fantastic, I cannot fault them. They were in touch with me every day and they checked up on us to make sure dad was OK."

Repatriation from Cook Island

Tom suffered a stroke on the first day of his holidays on the Cook Islands and had to be repatriated home.

"With all the help and care that I got, I’ve really dodged a bullet, and I couldn’t ask for anything more."

Protect your trip with us - get a free travel insurance quote now.

How can we help you travel smarter.

Whether you’re a seasoned traveller or a first-timer, we’re here to help you feel empowered to travel further, safely.

Finding cover for Existing Medical Conditions (EMCs)

Have an EMC? We can provide cover for various conditions to help keep you exploring, safely.

We can help protect you while you cruise

Hopping aboard a cruise ship on your next trip? Discover how our Cruise Cover could help safeguard you.

What you should know before you hit the slopes

Planning a ski trip at home or abroad? Don't depart without considering our snow sports cover.

Got a question about travel insurance? We're here to help

What is travel insurance.

Travel insurance is a specific type of insurance that helps cover several costs and disruptions when travelling both domestically and overseas. Levels of cover differ per plan; however, travel insurance can typically help protect against trip cancellation, delays, lost luggage and personal belongings, overseas medical expenses and repatriation, and personal liability.

Most travel insurance providers offer single or multi-trip policies, which can cover multiple countries within a specific timeframe. Things like the destination, length of trip, optional additional cover for specific activities and pre-existing medical conditions all help determine the cost of a travel insurance policy.

How much does travel insurance cost?

The cost of a travel insurance policy varies from traveller to traveller because various factors affect the amount payable.

At Cover-More, we consider a number of factors when calculating the total amount payable. The following is a guide on these key factors, how they combine and how they may impact the assessment of risk and therefore the premium paid:

• Area: higher risk areas cost more.
• Departure date and trip duration: the longer the period until you depart and the longer your trip duration, the higher the cost may be.
• Age: higher risk age groups cost more.
• Plan: International Comprehensive+, which provides more cover, costs more than International Comprehensive or Domestic.
• Excess: on some policies you can choose the excess amount.
• Cruise cover: additional premium applies.
• Cancellation cover: on some policies you can choose your own level of cancellation cover. The more cancellation cover you require, the higher the cost may be.
• Adding cover for Existing Medical Conditions and pregnancy (where available): additional premium may apply if a medical assessment is completed and cover is accepted by us.
• Options to vary cover (where available): additional premium applies.

While a cheaper policy cost upfront may seem appealing, always read the Policy Wording to ensure your needs are adequately covered should an incident occur.

How does travel insurance work?

Travel insurance protects you when travelling domestically or internationally by providing coverage against unforeseen circumstances that may impact your travel plans. By purchasing travel insurance with cancellation cover prior to departure, your policy can help by providing cover for the costs of trip cancellations should you no longer be able to travel, as well as the costs of overseas medical treatment, lost passports, and personal items while you’re travelling.

The customer usually pays for these costs upfront, before being reimbursed by the travel insurer upon claim approval. To approve a claim, travel insurers require documentation such as medical reports, itemised medical bills or police reports to confirm the incident occurred.

However, at Cover-More, if our customer becomes ill overseas, they can also contact our 24-Hour Emergency Assistance team for support and to seek approval for expensive medical bills to be paid directly by us to the medical care provider/s instead.

Always read the Policy Wording before purchasing a travel insurance policy to ensure it provides adequate coverage for your circumstances.

What does – and doesn’t – travel insurance cover?

Unfortunately, travel insurance can’t cover absolutely everything. This highlights the importance for travellers to read the  Policy Wording  before purchasing to avoid becoming frustrated if claims are unsuccessful. It will contain details on the situations you likely won’t be covered in, including cancellation, pre-existing medical conditions, theft or loss of belongings, adventure sports, COVID-19 scenarios and more.

For full details of the exclusions within our Cover-More travel insurance plans, consult the  Policy Wording .

When is the best time to purchase travel insurance?

The best time to purchase travel insurance is as soon as a trip is booked, as this can increase protection. When purchased ahead of time, a Cover-More customer can cancel their travel insurance policy for a full refund within the 21-day cooling-off period. If the policy is purchased before departing on the trip, claims for rearrangements and cancellations caused by unforeseen circumstances can also be made where cancellation cover is added to the policy.

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