Domestic Travel Insurance

What is Domestic Travel Insurance?

New Zealanders have the luxury of living in one of the most beautiful and safe countries in the world, but even when you’re travelling
domestically the unexpected can throw off your travel plans.

Our Domestic Travel Insurance plan is designed to provide cover for cancellations, rental vehicle excess, luggage, travel delays, and
personal liability¹, when you’re exploring Aotearoa.

You have the flexibility to add optional cover to Domestic Travel Insurance plan to provide cover for cruise, adventure activities, skiing and
snow activities, for an additional premium.

Please read the Policy Wording for all the terms, conditions, exclusions, limits, and sub-limits that may apply.

Benefits of Domestic Travel Insurance Plan

Cancellation¹

If you need to cancel, reschedule or shorten your journey in the period of the cover because of the circumstances that are out of your control (including tested positive for epidemics and pandemics such as Covid-19) Allianz travel will reimburse you reasonably subject to the limitations mentioned in Policy Wording.

Additional Expenses¹

We’ll reimburse reasonable additional accommodation and travel expenses if you or your travel companion can’t continue your journey or your journey is otherwise disrupted due to any of the events described under the 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 Policy Wording for all the limits that may apply.

Luggage, Personal Effects & Valuables^1,6

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.

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^1,3

If you are legally liable to pay compensation for death or bodily injury to someone else, physical loss of, or damage to someone else’s property as a result of an accident or series of accident arising out of a single event, we will 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.

Please read the Policy Wording for full terms and conditions that may apply.

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Optional Extras Domestic 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 consider adding optional 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^3,5

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 include:

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^3,4,5

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^1,6

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.

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Selected cover for Epidemics and Pandemics²

Our Domestic Travel Insurance plan includes selected cover for epidemics and pandemics, which includes 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 directly 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 Domestic Travel Insurance plan 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^

NIL

1.2 Overseas Medical & Hospital Expenses^

NIL

1.3 Funeral Expenses^

NIL

1.4 Accidental Death

NIL

1.5 Permanent Disability^#

$25,000

$50,000

2.1 Cancellation

As selected*†

3.1 Additional Expenses

$25,000*

$50,000*

3.2 Travel Delay Expenses

$2,000*

$4,000*

3.3 Alternative Transport Expenses^

NIL

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^

NIL

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 particular 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 don’t cover claims that arise from, or are related to, an epidemic or pandemic.

However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the PDS 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 won’t 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’ve 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.

Domestic Travel Insurance Frequently Asked Questions

1. Does domestic travel insurance plan cover skiing, cruise or adventure activities?

For additional premium, you can add the Adventure Pack, Cruise Pack, or Snowpack.

Read our Policy Wording for full list of included activities in Optional Cover. To understand what activities are automatically covered by your policy refer to the Activities Included in This Product section in the Policy Wording.

2. What is the difference between international and domestic travel insurance?

Our Domestic Travel Insurance plan is designed to provide cover for a single trip within Aotearoa (New Zealand), covering personal liability, rental vehicle excess, luggage and trip cancellation¹.

You are not covered outside of New Zealand on a Domestic Travel insurance plan.

Basic , Comprehensive and Multi-trip Travel Insurance plans provide cover for international single trips and include cover for overseas emergency assistance, medical and hospital expenses¹.

Domestic Travel insurance plan does not cover:

X Overseas Emergency Assistance

X Overseas Medical & Hospital Expenses

X Funeral Expenses

X Permanent Disability

X Alternative Transport Expenses

X Travel Documents, Transaction Cards & Traveler Cheques

The above is a limited summary, for full details refer to the Policy Wording.

3. What are the main benefits of buying domestic travel insurance plan?

Even when travelling within New Zealand unexpected situations can derail travel plans.

If you’re renting a vehicle and have an accident on your journey, the rental vehicle excess charged by the rental company can cost thousands of dollars. Our Domestic Travel Insurance plan provides cover for up to $6,000 on rental vehicle excess, which could prevent you being significantly out of pocket if you’re unlucky enough to have an accident in your rental vehicle.

Domestic Travel Insurance plan also provides cover for cancellation, luggage, personal effects & valuables, travel delay, and personal liability¹.

For full list of benefits please read our Policy Wording.

4. Does Domestic Travel Insurance plan cover rental car excess?

Domestic Travel Insurance plan includes a limit up to $6,000 for rental vehicle excess¹.

For full list of benefits please read our Policy Wording.

5. Is Domestic Travel Insurance plan available for seniors?

Our Domestic Travel Insurance plan is available to all ages.

Get your Travel Cover with
Allianz Travel Insurance

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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.