Why do you need Travel Insurance?

Even the most carefully planned travel experiences can go unexpectedly wrong. Regardless of how careful you are, it is important to prepare for the unforeseen and organise travel insurance as soon as you have confirmed your holiday booking. With our travel insurance, advice and assistance are just a phone call away.

Allianz Global Assistance Leisure Travel Insurance

Even the most carefully planned travel experiences can go unexpectedly wrong. Regardless of how careful you are, it is important to prepare for the unforeseen and organise travel insurance as soon as you have confirmed your holiday booking. With Allianz Global Assistance Leisure Travel Insurance, advice and assistance are just a phone call away.

Policy Features

It is important to give you the choice and flexibility in cover that best suits your needs.

The Essentials and Comprehensive Policies offer the following standard policy features:

  • Cover for medical and repatriation expenses
  • Emergency assistance provided 24 hours/7 days a week by Allianz Global Assistance and their international assistance network
  • Replacement cover for baggage items less than 2 years old
  • Dependent children under 21 years are covered at no additional charge
  • Rental vehicle excess cover
  • Some recreational sports are automatically covered including:
    • Leisure skiing and snowboarding
    • Scuba diving (with PADI or NAUI qualification)
    • Hot air ballooning
    • Parasailing and paragliding
    • Bungee jumping
    • White-water rafting in grade 4 or less rivers

The Comprehensive policy also includes:

  • Evacuation cover for civil unrest in the Pacific Islands
  • Terrorism cover
  • Automatic cover for some Pre-existing medical conditions

You can also ask us for the following extensions:

  • Private hospital care where reciprocal health agreements are in place
  • Nil and high excess options
  • Increased cover for specified high value items
  • Cover for Pre-existing medical conditions. Your request will be subject to assessment, and if we agree to the extension, an additional premium may be payable.

Click here to view the full Policy Wording. This document details the benefits, terms, conditions, limits and exclusions available under each policy option. We recommend that you read and understand the Policy Wording prior to buying your insurance with us. Our agents are also available to answer your questions, assist you with the purchase of your travel insurance and assist you with any claims that you make.

About Cover-More Travel Insurance

Whether you are travelling overseas or around New Zealand, Cover-More Travel Insurance offers peace of mind and the freedom to venture virtually anywhere in the world with confidence, knowing you’ll have support and assistance whenever you need it.

Cover-More’s medical assistance team of travel advisors, translators and medical experts are on call around the clock, so the help you need is only ever a phone call away.

Benefits:

  • 24/7 Emergency assistance
  • Travel GP service (especially useful when travelling with children)
  • Online claims (you can lodge your claim whilst travelling)
  • Many existing medical conditions are automatically covered by the policy.
    We offer on-the-spot assessments – either online or over the phone for any medical conditions not automatically covered by the policy (refer to policy wording for full details).
  • Choose your own excess
  • Cancellation cover due to redundancy
  • Accompanied children under 21 years, that are financially dependent on you, are automatically included on your policy

Cover-More also covers:

Working holidays – in New Zealand and overseas

Automatic cover for these activities: Abseiling, Archery, Ballooning, Bungy Jumping, Flying Fox, Horse Riding, Jet Boating, Jet Skiing, Kayaking, Parasailing, Paragliding, Snorkelling, White Water Rafting, Scooters/ motorcycles under 200cc (must wear a helmet at all times). Your participation in any of the activities listed is subject to the terms of cover.

Many winter activities are automatically included in your policy, such as tobogganing, dog sledding, ice hockey, glacier walking with an organised tour and ice fishing with an organised tour.

3 types of policies are available: YourCover, Essentials and Corporate policies.

YourCover is Cover-More’s comprehensive product, available as a Single Trip or Annual Multi Trip policy.

The YourCover policy, also enables you to tailor your travel insurance to suit your travel style by adding on optional extras (at an additional premium) such as Cancel for Any Reason*, Adventure, Adventure +, Motorcycle + (if planning on touring on motorcycles with an engine capacity over 200cc), and Snow Sports + (if snow skiing/snowboarding off-piste or heli-skiing/snowboarding). See policy wording for full details of terms and conditions.

Standard Snow Sports add-on cover is available (at an additional premium) for both Essentials and YourCover policies. This covers snow skiing/snowboarding on-piste, snowmobiling and cross-country skiing. See policy wording for full details of terms and conditions.

If planning a multi-night cruise as part of your journey, it is mandatory to add on Cruise Cover (at an additional premium). Benefits include cover for cabin confinement, onboard medical and dental treatment, ship to shore medical cover, missed ports, missed shore excursions and self-skippered boat insurance excess. The add-on cruise cover is available on Essentials and YourCover policies. Refer to the policy wording for full details of terms and conditions.

*Should you wish to purchase the Cancel for Any Reason add-on option, please contact our MFS brokers to arrange this as it cannot be purchased online.

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Emergency Assistance While Travelling

Allianz Global Assistance provide our customers with easy access to a 24 hour emergency assistance service. A single call will put you directly in touch with a doctor or travel specialist who will be able to assist you and confirm cover available under your policy. You will be advised of any steps you will need to follow in claiming under your policy. You can call collect from anywhere in the world for emergency medical and travel assistance:

Reverse charge call through telephone operator: +64 9 486 6868

Disclaimer

Allianz Global Assistance Leisure Travel Insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Global Assistance and underwritten by the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 (Incorporated in Australia) trading as Allianz New Zealand. You should consider the Policy Wording before making any decisions about this travel insurance policy. For further information on Allianz Australia Insurance Limited’s financial strength rating, please refer to the Financial Strength Rating and Overseas Policy Holder Preference Disclosure Notice.

Financial Strength Rating and Overseas Policyholder Preference Disclosure Notice

Allianz Australia Insurance Limited has an AA- insurer financial strength rating given by Standard & Poor’s (Australia) Pty Limited. The rating scale* in summary form is: AAA Extremely Strong, BBB Good, CCC Very Weak AA Very Strong, BB Marginal, CC Extremely Weak A Strong, B Weak, R Regulatory Action Plus (+) or minus (-): Ratings from “AA” to “CCC” may be modified by the addition of a plus (+) or minus (-) sign to show relative standings within the major rating categories.

Terms and Conditions

*A full description of the rating scale is available via www.allianz.co.nz/insurer-rating. An overseas policyholder preference applies. Under Australian law, if Allianz Australia Insurance Limited 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 Allianz Australia Insurance Limited’s Australian assets to satisfy New Zealand liabilities.