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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.

  Credit Card Travel Insurance | The Truth  

When planning a holiday, oddly, travel insurance is often the first expense to bite the dust with budget-conscious travellers. Utilising complimentary travel insurance offered by your credit card could be the answer, but you’ll need to know the ins and outs. You’ve already paid the credit card annual fee – so why not use the free travel insurance?! Like most insurances, the true value of the policy only becomes apparent when it is time to make a claim, and then…it could be too late. If you fall outside the fine print of a travel insurance policy and the insurer refuses to pay up, what seemed like a bargain at the time, could end up being a daft deal. Cost aside, the most important thing to consider when taking out any travel insurance policy is that you understand what you are covered for and any restrictions that apply. The same applies for ‘free’ credit card travel insurance.

Not all credit cards offer travel insurance

• Firstly, uncertainty around what customers need to do to kickstart their travel cover; and
• Secondly, who is covered under the policy.

Activate your travel cover

• Auto-Activation on Purchase:   In most cases, your travel insurance is automatically activated when making any travel-related purchases on the card, such as flights and accommodation.
• Notify Your Card Provider:  On other cards, you may need to notify your card provider when you wish to activate your travel insurance. ​

Know who is covered

Consider your trip length, other traps to look out for.

The term 'free' does not necessarily mean 'free'. Credit cards that provide ‘complimentary’ travel insurance typically have annual fees ranging from $87 to over $500. If you're a healthy, savvy traveller who takes more than two standard short trips a year, credit card travel insurance could be the winning ticket. When you compare the card annual fee cost to the cost of standalone travel insurance, it may save you some cash. It’s good to weigh up the options but make sure you read the terms of cover paying particular attention to exclusions. Be it business or leisure, there are many affordable options out there for covering your travels. Your focus should be ensuring you have  enough cover for your planned trip.  Use our comparison to instantly compare  travel insurance quotes and levels of cover from 20+ reputable travel insurance companies . 

• Who doesn't love 'free' stuff!?

Activate your 'free' travel insurance

Eugene Wylde

Eugene is the king of insurance! Having spent more than ten years raising awareness on the importance of holiday protection, he is a self-confessed insurance geek extraordinaire when it comes to the world of travel cover. Eugene loves helping people save time, worry and loads of money with the right policy at the right price. His ideal holiday is any one where he has a pina colada in his hand. Salut!

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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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CREDIT CARD TRAVEL INSURANCE- IT'S CRUNCH TIME!

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Your credit card provides free travel insurance great now proceed with caution..

The lead up to a holiday is an exciting time, particularly when you’re heading somewhere particularly new and exotic. There’s so much to consider– what to do, where to , accommodation to book so it’s all too easy to let a detail like travel insurance fall by the wayside. The last thing you may feel like doing is getting bogged down in the nitty gritty of travel insurance. It’s a well documented fact that very few travellers truly understand all the ins and outs of their policies. It also comes as no surprise that a quarter of travellers won’t take out a policy until two days before they leave! Say what! But travel insurance needn’t be so much of a hassle. You might even be covered already as part of your credit card deal. So what is credit card travel insurance, and is it worth looking into?

FREE TRAVEL INSURANCE? WHERE DO I SIGN UP?

Hold your horses! Credit card travel insurance may be 'free'  but only ‘free’ in the sense that you don’t have to pay extra for it. Most policies are only provided with ‘top end’ cards, which will most likely come with a higher annual fee than a standard credit card.

I’VE GOT A CREDIT CARD, SO I’M AUTOMATICALLY COVERED, RIGHT?

Wrong! (Well not necessarily). Never assume that your card provides you with free cover as standard. Always check and never just assume you are automatically covered. Imagine the horror of discovering you’ll have to pay for those ludicrously high medical bills as you didn’t have travel insurance after all!

Even if you do have a card with cover included, you’re more than likely going to have to jump through a few hoops to activate it. Activating your cover usually involves paying a certain percentage of your holiday with the card and ensuring sure that you exceed the minimum spend necessary. You may begin to feel like a performing sea-lion, but at least your ‘free’ policy will be activated!

THE CREDIT CARD CRUNCH: PROS AND CONS

So you’ve got a credit card and you’ve turned all the tricks you need to activate the insurance, so are you really getting the cover you anticipated? Let’s take a look at those pros and cons of credit card insurance:

• If you already pay for a high-end card, free cover is a nice handy perk
• If you were already planning to use your credit card to pay for your holiday, you may not be too put off having to exceed the activation ‘limit’ on your card.
• Elderly travellers may find that they get a better deal as some credit card companies have fewer age limits or don’t apply age loadings.
• Credit card companies usually provide higher levels of cover in the event of cash loss or theft, which is handy if someone pinches your wallet!

Credit card cover will (usually) provide cover wherever you . Usually there are no additional costs for different regions, so you don’t have to pay extra depending on your destination.  Cons:

• You’re only covered if you pay for your holiday using your credit card – and you might be charged an annual fee on top of that.
• With many cards, the policy offered will only apply to the cardholder, not family members too, so you’ll have to buy them separate policies to ensure they are covered.
• Credit card travel insurance cover will often only cover you for shorter periods than regular travel insurance (usually around 35 days per trip). Some providers only offer up to three months’ worth of protection. 
• It is often difficult to extend your cover, unlike standard cover.
• Many policies will not cover you for pre-existing medical conditions – so make sure you read the small print so you’re not caught out.
• Excesses tends to be higher with credit card cover.
• You may not be covered for lost items, only those that are stolen or damaged
• Some activities such as extreme sports and other adventurous holiday pastimes may not be covered by your credit card policy.

CHOOSING THE RIGHT CREDIT CARD INSURANCE

Just like any other purchase it pays to shop around to find yourself a good deal. Lucky for you there are heaps of handy comparison tools to help you make your decision that little bit easier. The benefits, features, limits and exclusions will differ greatly from one card to the next, so it’s wise to pay close attention to the small print and check you’re buying adequate cover.

Questions to ask yourself include:

• Are all family members covered?
• Does the policy provide enough cover for your valuables?
• What is maximum trip length allowed?
• Which pre-existing medical conditions are excluded?
• Am I covered for business and leisure trips?
• Am I covered for domestic and international holidays?
• What do I need to do to activate cover?
• Is there a minimum spend required?

Once you have a good idea of the circumstances that may affect your cover you can then use that information to decide what type of cover is right for you. Of course, you may want to  factor in any exciting card benefits like reward loyalty schemes and frequent flyer points.

WHICH CARDS OFFER FREE COVER?

Kiwibank offer complementary cover underwritten by Tower with their MasterCard Gold or Air New Zealand Airpoints Platinum MasterCard. You must be a Kiwi resident, under 80 years of age.

Westpac Hotspots Platinum card provide complimentary cover underwritten by AIG which includes you cover for 35 day trips, minimum spends and family member restrictions apply.

BNZ Gold or Platinum Visa cardholders  get cover underwritten by Cigna for return (leisure only) international trips. You must pay at least $250-$500 on the card to activate. You can choose from 35 days or 90 days policies.

ANZ Airports Visa Platinum offers cover underwritten by AIG when you pay for at least half of your pre-paid travel expenses with your card.

ASB’s Visa Platinum with Rewards offer cover underwritten by Tower for 120 days when you pay for at least 50% of your holiday using the card.

American Express Platinum Edge offer complimentary domestic and international cover underwritten by ACE.

In summary, the term ‘free’ does not necessarily mean ‘free’. Credit cards that provide ‘complimentary’ travel insurance typically have annual fees ranging anywhere from $50 to over $500.

Having said that, if you’re a healthy, savvy traveller who takes more than two standard short trips a year, credit card travel insurance could be the winning ticket. When you compare the card’s annual fee cost with the price of standalone cover, it may well be more cost effective to choose credit card insurance. However, be mindful of the fact that in doing so, you may lose out on some important benefits and risk exposure to certain exclusions.

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What do I need to do before I travel overseas?

If you have overseas travel planned, there are several things ANZ can help with:

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Travel insurance with your credit card

You may be eligible for overseas travel insurance through your Air New Zealand Airpoints™ Platinum Visa.

Cover is provided by Tower Limited and managed by AWP Services New Zealand Limited trading as Allianz Partners.

Benefits at a glance

Covers up to 40 days away. If you need cover for longer call 0800 876 541 before you go away.

Cover your spouse and dependent children if they’re travelling with you.

24-hour worldwide emergency assistance.

What you’re covered for

• Medical expenses if you’re injured, have an accident or become ill
• Loss or damage to your things or travel documents
• Unforeseeable cancellations, delays and loss of deposits
• Rental vehicle excess
• Pre-existing medical conditions are not automatically covered. If you have a pre-existing medical condition, you might be able to arrange cover for an extra premium. Call 0800 845 010 to find out more.
• Selected cover for epidemic and pandemic diseases including Covid-19 * .

Terms, conditions, limits, sub-limits and exclusions apply, as stated in the Policy Wording .

How to get overseas travel insurance

Overseas travel insurance will be activated if you use an eligible credit card to pay for at least one of these things: overseas travel tickets, one or more nights of pre-paid accommodation, a pre-paid rental car, pre-paid scheduled transport ticket or a pre-paid guided tour.

You have to be a New Zealand citizen or permanent resident, be under 80 years old, be returning to New Zealand at the end of your trip, have an active Platinum Visa or Air New Zealand Platinum Visa for the duration of your trip.

Business trips are covered under some circumstances, call 0800 845 010 to find out more.

Important update to overseas travel insurance

Overseas travel insurance now includes selected cover for epidemic and pandemic diseases such as Covid-19 * . If you test positive for Covid-19 while you're away and require overseas medical care and/or if you need to change your plans, cover's in place. Selected cover for epidemic and pandemic diseases is detailed in the Supplementary Policy Wording and this is to be read in conjunction with the Policy Wording, found in the Travel Insurance for Kiwibank Credit Cards Policy Wording .

If you're a Kiwibank Platinum Visa or an Air New Zealand Airpoints Platinum Visa cardholder, you may be eligible for overseas travel insurance providing you meet the terms and conditions within the Travel Insurance for Kiwibank Credit Cards Policy Wording .

There's no cover for lockdowns, stay-at-home orders, changes in government alert levels, quarantine, or mandatory isolation that applies generally, or broadly to some or all of a population, vessel or geographical area, or that applies based on where you're travelling to, from, or through. As with any travel insurance, deciding not to travel due to fear or change of mind is not covered.

There's no cover directly or indirectly arising from or caused by you commencing your travel against the New Zealand government’s advice or against local government advice at your overseas destination. We strongly recommend you check the Safe Travel website to confirm whether your travel destination is safe.

If you already have travel insurance through your Kiwibank Credit Card, are currently overseas and need help call Allianz Partners on +64 9 486 6868 24 hours a day, seven days a week.

Find out more by calling 0800 876 541 .

How to make a claim

Please contact us as soon as you can after something goes wrong.

• Within New Zealand: call 0800 876 541 between 8.30am to 5pm, Monday to Friday.

Complete a claim form

Download and complete the online travel insurance claim form on the Tower website .

Important information

Travel Insurance for Insured Cards is underwritten by Tower Limited and managed by AWP Services New Zealand Limited trading as Allianz Partners. If you arrange your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any products provided by Tower Limited or AWP Services New Zealand Limited.

*Important terms, conditions, limits, sub-limits, and exclusions apply, and these are set out in the Travel Insurance for Kiwibank Credit Cards Policy Wording .

View information about Tower's financial strength rating and solvency margin on their website at tower.co.nz .

Kiwibank holds no responsibility for the content on third party websites and make no representations as to the accuracy of the information provided on those websites.

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Checking your travel insurance eligibility

Your BNZ Advantage Visa Platinum credit card includes travel insurance ^ for round trips of up to 90 days to and from New Zealand and domestic rental car excess cover. Your BNZ  Advantage Visa Business  credit card includes travel insurance ^ for round trips of up to 35 days.

To be eligible for credit card travel insurance, you must meet all eligibility criteria for your trip before you depart New Zealand ^ .  

You’re eligible for credit card travel insurance where:

• you use your BNZ Advantage Visa Platinum or  Advantage Visa Business  card to make a payment of any amount towards pre-paid travel costs for your upcoming trip like pre-paid accommodation, pre-paid tours, or return overseas travel tickets
• you hold a return travel ticket for your trip before you depart New Zealand and are not travelling for longer than 90 days (Platinum) or 35 days (Business)
• your trip is not for business purposes (Platinum only).

For peace of mind, once you have your trip planned, visit our BNZ travel website to check your cover and to receive an email confirmation to take with you. Our credit card travel insurance is provided by AIG.

Making a travel insurance claim

It’s important to keep receipts, bank statements, emails or other proof of your eligibility for credit card travel insurance. If you make a claim, we’ll need to see these original documents. 

The AIG claims team is available 24/7 online. You can make a claim through the AIG claims portal, or by downloading and completing a claims form and emailing or posting it to AIG.

More about making a travel insurance claim  

You can send us a secure message in Internet Banking.

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Financial Strength Rating

The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia), ("Hollard"), has been given a financial strength rating of A (Strong) issued by Standard and Poor's. View the full details on the  Financial Strength Rating .

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.

Financial advice

The New Zealand Automobile Association provides general information about AA Travel Insurance products and services so that you can make a choice that best meets your needs. Information provided does not take into account your personal circumstances, needs or goals and is not intended to be financial advice. If you'd like to receive financial advice, you can get professional advice from a registered financial adviser.

More information

Contact us Policy Wording Make a claim Terms and conditions AA Traveller Member Benefits

* AA Members can receive an online exclusive 15% discount on AA Travel Insurance.  10% AA Member discount still available through AA Centres and over the phone. Simply provide each traveller’s valid AA Membership number on application. Discount applies to Base Price, including any additional pre-existing cover, but does not apply to additional cover for high value items. Discount does not apply in respect of policies purchased through quotes generated outside the relevant promotion period. View the full  T&Cs .

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Life and income.

Insurance provided by Chubb Life

• Flexible options including Life Cover, Critical Illness and Living Expenses Cover.
• With Life Cover, get money in advance for funerals and other expenses.
• 30 day ‘free look’ in case you change your mind.

Insurance provided by Vero

• Covers loss or damage to your home from sudden and accidental events up to your sum insured.
• Temporary accommodation if you can’t live in your home because it’s uninhabitable due to loss or damage.
• An extra $2,000 if your house is mortgaged with ANZ and suffers a total loss covered by the policy. 

Landlord's extension

• Landlord’s extension can be added as an optional extra to your home insurance, to cover each self-contained dwelling unit you tell us about.
• Cover for accidental loss or malicious damage to the home, theft of any fixtures and fittings, including specific landlord’s appliances and furnishings (as defined in the policy wording). 
• Cover for loss of rent.
• Cover for your possessions if they’re accidentally lost, damaged or stolen.
• Up to $3,000 for gradual damage to your contents caused by leaks from internal water pipes.
• You can specify items (like jewellery, bicycles and photographic equipment) for a higher amount if you need more cover than the item limit.
• Choose from Comprehensive, Third Party, Fire and Theft, or Third Party Only cover.
• Legal liability cover if you accidentally damage someone’s vehicle or property or cause bodily injury to another person.
• Optional extras are available, such as 24-hour Roadside Assistance and Excess-free windscreen and window glass replacement.

Insurance provided by Gallagher and Chubb Life

• Talk to our partners’ specialists so you have the right protection to fall back on if you need it.
• Protect your business assets with Gallagher.
• Protect you and the key people in your business, with Chubb Life.

Credit card repayment insurance

Our insurance partners no longer offer new policies for credit card repayment insurance. If you already have ANZ Credit Card Repayment Insurance, find out more about your policy .

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If you’re making a claim, we understand you may be going through a difficult time. To help make it as easy and stress-free as possible, our insurance partners have dedicated staff to help you with your claim. 

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Important information.

This information is a summary of key features of the insurance. Excesses, terms, conditions, limits and exclusions apply to all policies. The provision of cover is subject to the underwriting criteria that apply at the time.

Our  financial advice provider statement  has some important information you should know about ANZ and our financial advice services. Please take the time to read it.

Our insurance solutions are underwritten by third party insurers. No member of ANZ or its related companies or any other person guarantees Chubb Life Insurance New Zealand Limited (Chubb Life), Vero Insurance New Zealand Limited (Vero), Arthur J Gallagher & Co (NZ) Limited (Gallagher) or their subsidiaries or any of the products issued by them. ANZ may receive a commission on any policy it arranges.