Consumer Information

Overseas travel insureance

Insurance situation arising from travel
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Buying insurance

Cover your property losses
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Guidelines for resolving disputes

This is how member companies resolve disputes.
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Commercial insurance

Insure against businessesdisruption
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Motor insurance

Motor vehicle insurance can cover you against accidental loss or damage to your vehicle,
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Personal insurance

The types of cover available under personal insurance
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Marine insurance

Cover for commercial vessels and personal pleasurecraft
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Insurance fraud

An insurance claim is considered fraudulent when it is based on facts that are simply untrue
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Why Travel Insurance?

While overseas travel can be an exciting prospect, there can be situations where things may go wrong, and travellers could find themselves faced with a medical emergency, or finding the funds to replace lost luggage, or having to make an urgent trip home.

Travel insurance will normally provide the following protection:

• Cancellation and loss of deposits
• Medical treatment costs
• Costs for returning home in certain emergencies
• Loss of luggage and personal items
• Personal liability, excluding deliberate acts and use of motor vehicles.

Travel insurance tips

• Purchase insurance before you leave home. It's unlikely you'll get insurance if you have already left the country.
• If you require cancellation cover, you need to purchase your travel insurance when you book and pay for your tickets.
• Keep the details of your insurance emergency assistance provider with you when travelling. In the event of an emergency you may need to contact them for emergency medical treatment or advice on other travel emergencies.
• Your travel insurance policy will have some exclusions. General travel insurance policies won't cover loss of personal items which are left unattended, or the insolvency of a service provider such as an airline. Your policy may not cover you for losses due to acts of terrorism.
• Declare any pre-existing medical conditions, not only for yourself, but close relatives back home.
• Winter sports. Skiing or snowboarding activities need to be advised to your insurer when taking out insurance as some policies may not cover you for this.
• Hazardous pursuits such as scuba diving, bungy-jumping, hang-gliding, water skiing and motorcycling may not normally be covered, however, you should discuss this with your insurer when purchasing the insurance policy.
• Motor vehicle liability (and damage to the hire car). Most travel insurance policies do provide liability cover for the renting of a vehicle in another country. You should check with your insurer that cover is available and be aware how much liability protection the policy provides.
• High valued items. Advise your insurer that you are going to be taking or purchasing high valued items for example cameras and jewellery on your holiday.
• High risk countries. Talk to your insurer about your intention to travel to countries that may have a high-risk travel advisory status. Some of these countries may have security and health issues. To obtain an up to date status report see the Ministry of Foreign Affairs and Trade safe travel website: www.safetravel.govt.nz

Visit the Ministry of Foreign Affairs and Trade's Safe Travel site

View the list of Insurance Council members.

 

 

 

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