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Basic Travel Insurance

Travel insurance to cover the essentials
 

What is Basic Travel Insurance?

Travelling on a budget or just need cover for the essentials? Allianz Basic Travel Insurance is a budget friendly plan that provides cover for overseas medical and hospital expenses, overseas emergency assistance, and personal liability1. You can be exploring the best the world has to offer knowing that our Basic Travel Insurance plan is designed to cover the medical costs that may arise from unexpected accidents or illness while you are overseas.

Our Basic Travel Insurance plan is available to all travellers, however cover for pre-existing medical conditions or cancellation is not available under this plan.

Want to know more about all the features and benefits we offer under our Basic Travel Insurance plan?
Please read our Policy Wording for full details or contact us. 

Benefits of Basic Travel Insurance Plan

Overseas Emergency Assistance1,3
You can contact us 24 hours a day, seven days a week for help with your overseas medical emergency.
Overseas Medical & Hospital Expenses1,3
If you’re injured or become sick while overseas, we’ll reimburse the reasonable medical or hospital expenses you incur until you return to New Zealand, provided the relevant injury or sickness is covered by your policy.
Funeral Expenses1,3
If you die overseas as a result of an injury, or a sickness (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic such as COVID-19) during the period of cover for your journey, we will pay for your reasonable funeral expenses incurred overseas or the cost of bringing your remains back to your home. The maximum amount we'll pay under the Funeral Expenses benefit is the benefit limit for the plan you've selected.
Personal Liability1

If you become legally liable to pay compensation for death or bodily injury to someone else – or physical loss or damage to someone else’s property – as a result of an accident that happens during your journey, we’ll cover you for:

  • The compensation (including legal costs) awarded against you
  •  Any reasonable legal costs incurred by you for settling or defending a claim made against you, providing you have approval in writing from us before incurring these costs

Refer to the Table of Benefits in the Policy Wording for the relevant benefit limit.

GET YOUR QUOTE

Selected cover for Epidemics and Pandemics2

Our travel insurance policies include selected cover for epidemics and pandemics, which include diseases such as Covid-19. If you contract an epidemic or pandemic disease (including COVID-19) after you have purchased your policy, provisions are made for you to claim for cancellation and medical expenses. Cover for medical claims related to an epidemic or pandemic such as COVID-19 will only apply if you contract the disease after you commence your journey.

There is no cover for lockdowns, changes in government alert levels, quarantine, or mandatory isolation applying to a population or part of a population. As with any travel insurance, disinclination to travel due to fear or change of mind is not covered.

Terms, conditions, limits, sub-limits and exclusions apply, and these are set out in the Policy Wording.

Read the Schedule of Benefits in the Policy Wording to determine if Basic Travel Insurance plan is right for you. Our customer care team is available for your enquiries, please contact us. 

Schedule of Benefits

The table below sets out the benefit limits that apply to single, duo or family Basic Travel Insurance plan. The table is a summary only, please read the Policy Wording for full details.

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Single Benefit Limit

Duo Benefit Limit

per person

Family Benefit Limit

1.1 Overseas Emergency Assistance^
$20million
$20million
$40million
1.2 Overseas Medical & Hospital Expenses^
$20million
$20million
$40million
1.3 Funeral Expenses^
$60,000
$60,000
$120,000
1.4 Accidental Death
NIL
NIL
NIL
1.5 Permanent Disability
NIL
NIL
NIL
2.1 Cancellation
NIL
NIL
NIL
3.1 Additional Expenses
NIL
NIL
NIL
3.2 Travel Delay Expenses
NIL
NIL
NIL
3.3 Alternative Transport Expenses
NIL
NIL
NIL
4.1 Luggage, Personal Effects & Valuables
NIL
NIL
NIL
4.2 Luggage & Personal Effects Delay Expenses
NIL
NIL
NIL
4.3 Travel Documents, Transaction Cards & Travellers Cheques
NIL
NIL
NIL
4.4 Theft of Cash
NIL
NIL
NIL
5.1 Rental Vehicle Excess
NIL
NIL
NIL
6.1 Personal Liability
$2.5million
$2.5million
$2.5million

† A default Limit for Benefit 2.1 Cancellation is automatically included in Your cover unless You make a selection. However, You are able to choose different levels of cover from the amounts available to You when You purchase Your Policy. Any Benefit Limit selected by You will be shown on Your Certificate of Insurance. The Benefit Limit shown will be the most We will pay for all claims under Benefit 2.1 Cancellation.

^ You do not have cover under this Benefit while travelling in New Zealand.

* sub-Limits apply – refer to the Policy Benefits section of the Policy Wording for details.

Note all limits and premiums are in New Zealand dollars.

View our Financial Strength Rating here.

Conditions apply

  1. Terms, conditions, limits, sub-limits and exclusions apply, and these are set out in the Policy Wording.
  2. Policy terms, conditions, limits, exclusions, and sub-limits apply to types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions for epidemics and pandemics. That means we do not cover claims that arise from, or are related to, an epidemic or pandemic.

    However, you are covered under selected benefits in this product if, during your period of cover, you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the Policy Wording to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits, and exclusions that apply.
  3. You do not have cover under this benefit while travelling in New Zealand.

Basic Travel Insurance Frequently Asked Questions

Basic Travel Insurance plan provides cover for overseas emergency medical and hospital expenses, overseas emergency assistance and personal liability.

This plan does not cover costs related to luggage, cancellation, or trip delay. Basic Travel Insurance plan could be a consideration for travellers only wanting to cover essentials like medical and personal liability.

With Basic Travel Insurance plan you cannot purchase additional cover provided under Cruise Pack, Snow Pack or Adventure Pack.

The Comprehensive Travel Insurance plan provides cover for overseas emergency medical and hospital expenses, overseas emergency assistance and personal liability, plus cover for cancellations, rental vehicle excess, luggage and personal effects, expenses relating to travel delays and many other benefits listed in detail in our Policy Wording.

Additionally, you can also buy cover for Cruise, Snow and Adventure activities with a Comprehensive Travel Insurance plan.

You can compare our travel insurance plans to see which plan is right for you and your needs.

No, additional cover for activities listed in the Adventure Pack, Cruise Pack and Snow Pack cannot be added to our Basic Travel insurance plan.

Optional cover can only be added to Comprehensive Travel Insurance, Multi-Trip Travel Insurance or Domestic-Travel Insurance plans. 

Basic Travel Insurance plan does not cover pre-existing medical conditions.

You can apply for Pre-Existing medical cover with Comprehensive Travel Insurance and Multi-Trip Travel Insurance by completing our medical assessment online or over the phone.

Basic Travel Insurance plan does not provide cover for your travel plans, cancellations, luggage, or trip delays.

Comprehensive Travel Insurance and Multi-Trip Travel Insurance plans offer cover for cancellations up to the limit you select at the time of purchase.

Compare our Travel Insurance Plans.

If you are pregnant at the time the policy is purchased, your pregnancy is considered a pre-existing condition. Basic Travel Insurance plan does not provide cover for pre-existing medical conditions.

You can apply for pre-existing medical conditions cover with our Comprehensive Travel Insurance and Multi-Trip Travel Insurance plans by completing our medical assessment online or over the phone.

If you fall pregnant or discover you are pregnant after the Certificate of Insurance has been issued, cover provided in relation to pregnancy is for unforeseen events only.

You will not be covered for:

  • A pregnancy once it is 24 weeks of more gestation; or
  • Any expenses for routine or regular antenatal care; or
  • Childbirth at any stage of your pregnancy or costs relating to the care, or health of a newborn child other than because of an Accident occurring prior to the 24th week of your pregnancy which:
          -  Causes you to give birth prematurely; or
          -  Requires you to be admitted to hospital beyond the 24th week of your pregnancy, during which time your child is                  born

For full information on pregnancy review our Policy Wording or call us on 0800 553 550

Basic Travel Insurance plan is available to all ages. Seniors are eligible to purchase this plan for overseas travel. 

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Allianz Travel Insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia) ("Hollard"). You should consider the Policy Wording before making any decisions about your insurance policy. Terms, conditions, limits, sub-limits and exclusions apply.

The Hollard Insurance Company Pty Ltd – Financial Strength Rating and Overseas Policyholder Preference Disclosure Notice

The Hollard Insurance Company Pty Ltd has a financial strength rating of A (Strong) issued by Standard and Poor's.

The Standard & Poor's rating scale is:

AAA  Extremely Strong                                   BB     Marginal                               CC  Extremely Weak

AA     Very Strong                                              B        Weak                                     C     Selective Default

A        Strong                                                        CCC  Very Weak                           D     Default

BBB  Good

The rating may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.
The rating scale above is in summary form.
A full description of this rating scale can be obtained from www.standardandpoors.com.

An overseas policyholder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.