Travel insurance protects you from unexpected situations. Whether you’re travelling overseas or domestically, a policy is available for you. Air New Zealand Travel Insurance could be the answer for you.
Choosing the perfect Air New Zealand Insurance
Ask yourself these three questions before choosing the type of insurance to get:
- Do I need comprehensive travel insurance or basic insurance that can protect me against specific things?
- Am I travelling overseas or just within Australia?
- Am I going on multiple trips or just a single trip?
The type of policy you need depends on how you answer the three questions above.
What Air New Zealand can offer to protect you
Basic travel insurance
These are cheaper as compared to comprehensive policies. However, they have lower limits and lesser eventualities. The basic policies vary depending on whether you are travelling domestically or overseas.
- Domestic travel
You can choose between two Domestic Cancellation Plans. The first one covers you for up to $1,000, while the second one covers you for up to $2,000.
These will only cover additional transportation and accommodation costs during events like accidents, sickness, natural disasters, and strikes.
- International travel
Basic international travel insurance protects you from specific hazards you may experience. It covers the following expenses up to:
- $10 million for medical and dental expenses done overseas
- $10 million for additional transportation and accommodation expenses incurred due to delays. These can be brought about by strike, sickness, natural disaster, or loss of travel documents.
- Cash cover for the following
- $10,000 for rearranging or cancelling travel plans
- $3,000 for loss, theft, damage to luggage
- $1,000 for stolen or lost travel documents or credit cards
- $600 for purchasing essentials if luggage gets delayed for more than 10 hours
- $1,000 for accommodation if arranged transport is delayed for more than 6 hours
- $1 million for personal liability costs
Comprehensive travel insurance
This type of insurance covers you for a wide range of events. It has high limits but is more expensive.
- Domestic travel
You will be covered for the following up to:
- $50,000 for medical expenses
- $20,000 for additional transportation and accommodation expenses incurred due to delays. These can be brought about by strike, sickness, natural disaster or loss of travel documents.
- $10,000 for cancellation or amendment charges
- $4,000 for loss, theft, damage to luggage
- $3,000 for cards and other travel documents
- $1,000 for delayed luggage
- $3,000 if you damaged a rental car
- $500 if a scheduled trip gets delayed for more than 6 hours
- $2,000 for transportation to a special even if you miss it due to unforeseen circumstances
- $300,000 personal liability cover
- $10,000 accidental death cover
- International travel
- Unlimited cover for medical and dental expenses
- Unlimited cover for additional accommodation and transport
- $12,000 for personal effects and luggage
- $3,000 for replacement of stolen or lost travel documents
- $1,000 for purchasing essentials in case of delayed luggage
- $250 for stolen or lost cash
- $5,000 for rental car excess insurance
- $2,000 for accommodation in case of travel delays
- $3,000 for prepaid airline tickets in case an injury shortens your trip
- $3,000 if you are forced to return to Australia for an emergency
- $2,500 to transport you to specific events that you might have missed
- $8,000 for hospital expenses
- $10,000 for loss of income if you can’t work on your return as a result of injuries
- $12,500 if you become blind or lose a limb
- $25,000 accidental death benefit
- $3 million personal liability cover
- $15,000 for legal expenses to seek compensation for injury/damage
- Up to $1,100 for non-refundable ski lift and resort passes
Are you eligible?
To be able to get a policy and successfully claim coverage, you need to meet the following criteria:
- You are less than 70 years old.
- You are current with relevant vaccinations.
- Provide valid travel documentation.
- Be compliant with medical advice.
- If you have reduced immunity, lung or heart condition, don’t travel to some areas in Africa or America. This doesn’t include asthma if you are under 60 years old.
- Submit a police report within 24 hours of loss.
- Express your intention to make a claim as soon as possible.
- Seek medical help for health issues as soon as possible.
- Be compliant with the laws of the country you are in.
Compare the Best Travel Insurance Policies with Makes Cents
Air New Zealand Travel Insurance is charged by default when you purchase tickets online. If you don’t feel the need for their coverage, you can simply uncheck “travel insurance” on the website. If you want to look for other options, a comparison website like Makes Cents is helpful.