Comprehensive Travel Insurance

What is Comprehensive Travel Insurance?

Comprehensive Travel Insurance is our most comprehensive plan offered for overseas single trips. This plan is designed to cover all the essentials like 24/7 overseas emergency assistance, medical repatriation, overseas medical and hospital expenses^1,3, as well as providing cover for trip cancellation, baggage, rental vehicle excess and travel delay expenses¹.

Cancellation¹ cover applies from the date you purchase your policy, and you are in control of your benefit limit. If you unexpectedly fall ill or suffer an accident prior to starting your journey, your cancellation costs may be covered up to the benefit limit selected.

The Comprehensive plan also provides the option to add additional cover for activities including ocean cruise, skiing, snow activities and adventure activities like zip-lining, caving, abseiling and deep-sea fishing. Optional cover is available for an additional premium and can be selected when you get your quote.

This is a limited summary of some of our Travel Insurance covers only. Terms, conditions, limits, sub-limits and exclusions apply. Please read our Policy Wording for full details.

Cover for Pre-existing Medical Conditions

You can apply to cover your pre-existing medical conditions under our comprehensive plan at the time of purchasing your policy. You will need to complete our medical assessment which can be done online or by calling us on 0800 553 550

If you are pregnant at the time of buying your policy, your pregnancy is considered to be a pre-existing medical condition. Make sure you read the Travel During Pregnancy Section in the Policy Wording. This section has valuable information about this product’s cover for pregnancy, and when you need to apply to cover a pre-existing medical condition.

Benefits of Comprehensive Travel Insurance

Overseas Emergency Assistance^1,3

Our policy provides 24/7 overseas emergency assistance so can contact us if you need any help with overseas medical emergency.

Overseas Medical & Hospital Expenses^1,3

During your trip if you fall sick or are injured overseas, we will reimburse the reasonable medical and hospital expenses you incur until you return to New Zealand, provided your injury or sickness is covered under your policy.

Cancellation¹

If during the period of cover your journey is cancelled, rescheduled, or shortened because of the circumstances that are unexpected and outside of your control, we will reimburse you up to the selected limit:

The non-refundable portion of unused travel and accommodation arrangements for your journey, that you’ve paid for before cancellation and can’t recover in any other way.
For the value of frequent flyer points, air miles, loyalty card points, redeemable vouchers or similar schemes lost as a result of cancelling the related services, but only if you can’t recover your loss in any other way.

For full details review the Cancellation section in the Policy Wording.

Additional Expenses¹

We will reimburse reasonable additional accommodation and travel expenses if you or your travel companion cannot continue your journey and need to return New Zealand, or your journey is disrupted due to any events described in Additional Expenses section in the Policy Wording.

Travel Delay Expenses¹

If circumstances outside your control result in an unexpected delay to your journey of at least six consecutive hours during the period of cover, we’ll reimburse your reasonable additional meals and accommodation expenses. Please read the Travel Delay Expenses section of the Policy Wording for all the limits that may apply.

Alternative Transport Expenses^1,3

If your scheduled transport is cancelled, delayed, shortened or diverted during the period of cover – and that means you wouldn’t arrive on time to one of the events listed in the Alternative Transport Expenses section of the Policy Wording which, before you left New Zealand, you’d planned to attend or utilise while you were overseas – we’ll pay your reasonable additional travel expenses to enable you to arrive on time.

Luggage, Personal Effects & Valuables^1,7

Cover is provided for your luggage and personal effects or valuables if, during the period of cover for your journey, they’re stolen, accidentally damaged or permanently lost. See Luggage, Personal Effects & Valuables in the Policy Wording for the exceptions to this cover.

Luggage & Personal Effects Delay Expenses¹

If you need to buy essential items of clothing or other personal items because items of your luggage and personal effects are delayed, misdirected or misplaced by the carrier for more than 10 consecutive hours during the period of cover, we’ll reimburse you for the reasonable expenses you incur.

Travel Documents, Transaction Cards & Travellers Cheques^1,3

If during the period of cover for your journey, you lose any essential travel documents (including passports), transaction cards or travellers cheques, or they are stolen from you or destroyed, We will reimburse you for:

the issuer’s fees for any replacement costs (including communication costs) of the items which have been lost, stolen or destroyed; and/or
any loss resulting from fraudulent use of your lost or stolen transaction cards or travellers cheques other than those amounts covered by any guarantee given by the bank or issuing company to you as the holder of the transaction cards or travellers cheques.

Theft of Cash¹

If cash, banknotes, currency notes, postal orders or money orders are stolen from your person during the period of cover for your journey, we’ll reimburse you up to the amount shown in the Table of Benefits in the Policy Wording.

Rental Vehicle Excess¹

If your rental vehicle is involved in an accident while it’s being driven by you and you're the nominated driver, or it’s damaged or stolen while in your custody, we’ll pay you the lesser of (up to your benefit limit)¹:

the amount specified that you’re liable to pay under the rental vehicle agreement, or
the property damage for which you’re liable.

If you’re diagnosed by the treating medical adviser as unfit to return your rental vehicle to the nearest depot, we’ll pay the cost of returning the vehicle (up to the applicable benefit limit).

Note: This cover only applies if:

you hire a rental vehicle from a rental company or agency;
you’re a nominated driver on the rental vehicle agreement; and
the rental vehicle agreement specifies a maximum amount that you must pay if the rental vehicle is damaged or stolen.

Personal Liability^1,4

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 Allianz Partners before incurring these costs

Accidental Death¹

If during the period of cover for your journey:

a) you’re injured and due to that injury you die within 12 months of it occurring; or
b) something you’re travelling on or in disappears, sinks or crashes and your body isn’t found within 12 months and you’re presumed dead;

we’ll pay the benefit limit payable under the Accidental Death benefit to your estate, read the Policy Wording for full details.

Funeral Expenses³

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), or pre-existing medical condition we have agreed in writing to cover, 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.

Permanent Disability^1,3,4

If you’re injured during the period of cover for your journey, and

a) due to that injury, you suffer permanent disability within 12 months of the injury occurring; and
b) your permanent disability continues for at least 12 consecutive months and at the expiry of that period, in the opinion of an appropriate medical specialist, is beyond hope of improvement;

we’ll pay the benefit limit payable under the Permanent Disability benefit to you, read the Policy Wording for full details.

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Optional Extras Comprehensive Travel Insurance

If you are participating in additional activities including skiing, snow sports, ocean cruising, riding a motorcycle, deep sea fishing, zip lining, quad biking, caving, outdoor rock climbing, or other adventure activities, you may be able to add additional cover to your policy.

To understand what activities are automatically covered by your policy refer to the Activities included in this Product section in the Policy Wording.

Adventure Pack^1,4

This pack covers 19 additional adventure activities not automatically covered in your policy. You must be aged under 75 years at the time of purchasing this pack. Some activities covered by this pack:

Moped, motorcycle or quad biking
Zip lining or flying fox
Outdoor rock climbing
Abseiling
Deep sea fishing
Cave or river tubing
Tandem parachuting

Please read the Policy Wording for a full list of activities covered by the Adventure Pack.

Cruise Pack^1,5,6

This optional pack is designed to provide cover for you to take part in sea and ocean cruising, while overseas or in New Zealand. Some benefits included in this pack:

Medical cover while you are cruising
Evacuation cover – ship to shore
Cabin confinement
Cancellation cover for pre-paid shore excursions
Stolen, lost or accidentally damaged formal wear
Formal wear delay expenses
Marine rescue diversion

Please read the Policy Wording for a full list of cover.

Snow Pack^1,4,5,6

If you’re visiting the snow on your trip this pack provides cover for you to participate in snow activities. You must be aged under 75 years at the time of purchasing this pack. This pack provides cover for:

Overseas emergency snow sport assistance
Your own snow sport equipment if it’s lost or stolen
Non-refundable unused pre-paid ski passes or ski hire
Bad weather and avalanche
Piste closure

Please read the Policy Wording for full details of what the Snowpack covers.

Increased Items Limit Cover^1,7

If you plan to travel with higher value items, like camera equipment, you may want to consider covering items for a higher value. You can select higher item limits for the loss or theft of, or accidental damage to, your luggage and personal effects, for additional premium.

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Selected cover for Epidemics and Pandemics²

Our Comprehensive Travel Insurance plan includes selected cover for epidemics and pandemics. 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 Comprehensive Travel Insurance is right for you. Our customer care team is available for your enquiries, please contact us.

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1.1 Overseas Emergency Assistance^

$20million

$40million

1.2 Overseas Medical & Hospital Expenses^

$20million

$40million

1.3 Funeral Expenses^

$60,000

$120,000

1.4 Accidental Death

$25,000

$50,000

1.5 Permanent Disability^#

$25,000

$50,000

2.1 Cancellation

As selected*†

3.1 Additional Expenses

$50,000*

$100,000*

3.2 Travel Delay Expenses

$2,000*

$4,000*

3.3 Alternative Transport Expenses^

$5,000

$10,000*

4.1 Luggage, Personal Effects & Valuables

$10,000*

$20,000*

4.2 Luggage & Personal Effects Delay Expenses

$1,000

$2,000

4.3 Travel Documents, Transaction Cards & Travellers Cheques^

$5,000

$10,000

4.4 Theft of Cash

$250

$500

5.1 Rental Vehicle Excess

$6,000

6.1 Personal Liability#

$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.

# You will not have cover under Benefit 1.5 Permanent Disability and Benefit 6.1 Personal Liability for any claims arising from Your participation in any of the activities listed under Adventure Pack or Your participation in Snow Sport activities.

Note all limits and premiums are in New Zealand dollars.

View our Financial Strength Rating here.

Conditions apply

Terms, conditions, limits, sub-limits and exclusions apply, and these are set out in the Policy Wording.
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.
You do not have cover under this benefit while travelling in New Zealand.
You will not have cover under Permanent Disability and Personal Liability benefits for any claims arising from your participation in any of the activities listed under Adventure Pack or your participation in snow sport activities, even if you have bought a Snow Pack or an Adventure Pack.
Sub-Limits apply. Refer to the Optional Covers – Cruise Pack and Snow Pack Policy Benefits section in the Policy Wording for full details.
You only have cover for these benefits if the relevant pack has been bought.
The maximum we will pay for all claims combined under the Luggage; Personal Effects & Valuables Benefit is the benefit limit shown in the Table of Benefits in the Policy Wording.

Comprehensive Travel Insurance Frequently Asked Questions

1. What is the difference between Comprehensive and Basic Travel Insurance?

Basic Travel Insurance covers overseas emergency medical and hospital expenses, overseas emergency assistance and personal liability¹.

Our Comprehensive Travel Insurance plan offers additional benefits not included in the Basic travel insurance plan.

Comprehensive Travel Insurance covers overseas emergency assistance, overseas medical and hospital expenses, and personal liability¹, plus this plan also provides cover for cancellations, rental vehicle excess, damage to or loss of luggage and personal effects, expenses relating to travel delays and many other benefits¹.

For full benefits please refer to the Policy Wording.

You can also compare our travel insurance plans.

2. Is Comprehensive Travel Insurance available for seniors?

Allianz Comprehensive Travel Insurance is available to travellers of all ages.

3. Am I covered for Covid-19 if I buy Comprehensive Travel Insurance?

Please read the Policy Wording for full details.

4. Does Comprehensive Travel Insurance cover Adventure, Cruise, or Snow activities?

Optional cover for sea and ocean cruising, adventure or snow activities can be added to your Comprehensive Travel Insurance plan for an additional premium.

Cruise Pack⁵ is available to travellers of all ages.

If you wish to add additional cover for activities listed in under the Adventure Pack^4,5 or Snow Pack^4,5, you must be aged under 75 years at the time of purchase.

5. Is riding a motorcycle overseas automatically covered by Comprehensive Travel Insurance?

If you’re planning to ride a motorcycle, moped or quad bike overseas may want to consider purchasing the Adventure Pack⁴ for additional premium to cover these activities.

Even if you purchase the Adventure Pack, you will only be covered while riding on a motorcycle, moped, motorised scooter or quad bike if:

You hold the appropriate class of licence (excluding learner’s licences) in New Zealand for the vehicle you are driving, or a licence valid for the country you are riding in, if your New Zealand licence is not recognised in that country;
When you are riding as a pillion passenger on a motorcycle, moped or motorised scooter, the driver holds a licence valid for that vehicle and for the country it is being ridden in. However, this restriction will not apply if it is reasonable that you did not know that the driver was not licensed and no exclusion applies to the circumstances of your claim;
You are the driver of a quad bike, and you are not carrying a pillion passenger – or are not a pillion passenger on a quad bike;
You wear an appropriate safety helmet at all times; and
You are not participating in any race or riding a motorcycle, moped, motorised scooter or Quad Bike in a professional capacity.

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Need emergency assistance? Call emergency services immediately if your condition is life threatening.
Call us  24/7 on +61 7 3305 7194 (overseas) or +64 9 486 6868 (within New Zealand). Additional charges may apply  for any calls made from mobiles, public telephones or hotel rooms.

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.