As Kiwis, we love to travel!
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 so that despite what happens, you can get on with enjoying your trip, knowing that help is only a phone call away.
Terms, conditions, limits, sub-limits and exclusions apply. You should consider the full Policy Wording before making any decisions about this travel insurance policy.
Capitalised terms have the meaning given to them in the Our Definitions section of the Policy Wording.
Browse our travel insurance plans*
Offers cover for a single overseas trip. It is designed to cover overseas medical, hospital and dental expenses, personal liability, luggage, unexpected trip cancellation, and much more. Plus, for an additional premium, you may be eligible to add Snow, Cruise and Adventure packs, increase item limits, and apply for pre-existing medical condition cover.
Offers budget-friendly cover for a single overseas trip. It is designed to cover overseas medical, hospital and dental expenses, personal liability, luggage, and unexpected trip cancellation.
Offers cover for a single trip within New Zealand. It is designed to cover personal liability, luggage, unexpected trip cancellation, and more. Plus, for an additional premium, you may be eligible to add Snow, Cruise and Adventure packs or increase item limits.
Is a 12-month plan that offers all the benefits of our Comprehensive or Domestic Plans for multiple trips within New Zealand and overseas. You pay one premium for all return trips from New Zealand that you make in a 12-month period. Simply choose each trip destination as well as the trip duration that will cover your longest journey: 15, 30 or 45 days.
* Terms, conditions, limits, sub-limits and exclusions apply.
Please refer to the Table of Benefits on pages 11 to 14 of the Policy Wording, which sets out the Benefits and Limits that apply to each Plan.
nib Travel Insurance Features and Benefits
nib Members can get a 10% discount on new nib Travel Insurance policies. Simply provide your nib membership number when you get a quote.
^Discounts apply to the total nib Travel Insurance premium when getting a quote using an eligible promo code. Discounts do not apply to the rate of GST, levies or to any changes you make to the policy. nib has the discretion to withdraw or amend this discount offer at any time. This discount cannot be used in conjunction with any other promotional offer or discount.
If you need help while travelling, Allianz Partners will help you with any overseas medical emergency, with registered nurses and doctors only a phone call away.
You may be eligible for pre-existing medical condition cover on Comprehensive and Multi-Trip plans. For Domestic plans pre-existing medical condition cover only applies to Cancellation and Additional Expenses. Use the nib Travel Insurance online medical assessment tool, which provides an instant outcome, to find out if you are eligible. If we agree in writing to provide cover for your pre-existing medical condition(s), an additional premium may be payable, and a medical excess may apply.
If your luggage and personal effects are stolen, accidentally damaged or are permanently lost, you have cover when travelling. You must have taken reasonable precautions to safeguard them.
If something happens while you are travelling, you can make a claim on our online claim portal. Claim online while you are still travelling or when you return.
Optional cover for activities like skiing, sea or ocean cruising, deep sea fishing and much more. So, you can tailor your cover to suit your needs.
If you plan to travel with higher value items, like camera equipment, you may want to cover 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, for an additional premium.
If your rental vehicle is involved in an accident while being driven by you and you're the nominated driver, or it's damaged or stolen while in your custody, we will pay up to the benefit limit in the selected plan.
When the unexpected happens overseas and you fall ill or suffer an accident, we have access to a worldwide medical network to support you in your time of need.
*Terms, conditions, limits, sub-limits and exclusions apply.
Add on Options / Optional Covers
For an additional premium, you may be eligible to add one or more of the following optional covers to Comprehensive, Multi-Trip and Domestic Plans*.
Going to the snow? You may be eligible to add a Snow Pack that is designed to cover snow sport activities including amateur skiing, snowboarding, sledding, tobogganing, or tubing. A Snow Pack covers overseas snow sport emergency assistance, loss or damage to equipment, and more.
Doing adventure activities? You may be eligible to add an Adventure Pack to your plan that is designed to cover a wide range of adventure activities including riding motorcycles, mopeds and scooters, quad biking, zip lining, river tubing, animal handling, and much more.
Going sea or ocean cruising? Add a Cruise Pack, which is designed to cover medical costs on board, ship to shore evacuation, pre-paid shore excursion cancellation, cabin confinement and more.
Taking higher-value items? To increase the item limit for higher-value items, add Increased Item Limits Cover to your plan, so your item may be covered for a higher value, should it be stolen, lost or damaged.
*Terms, conditions, limits, sub-limits and exclusions apply.
Please read pages 21 to 27 of the Policy Wording for further information on Optional Covers.
Cover Types
The Cover Type which will apply to your Policy is based on the number of eligible travellers to be listed on Your Certificate of Insurance. The following Cover Types are available.*
*Terms, conditions, limits, sub-limits and exclusions apply.
Please read pages 3 and 4 of the Policy Wording for more information on each cover type.
Pre-existing Medical Conditions
Pre-existing Medical Conditions can complicate medical treatment, lengthen your recovery time, and increase medical costs if you are Injured or become sick while overseas. The likelihood of needing to cancel your holiday for health reasons is also a possibility. Therefore it is important that you understand what this Product covers when it comes to your health. Please ensure that you read the definition of Pre-existing Medical Condition in the section headed Our Definitions.
You can apply to include cover under your Policy for certain Pre-existing Medical Condition(s) at the time of purchasing your Policy. You will need to complete a medical assessment which can be done on-line or by calling the sales and general enquiries number shown on the back cover of the Policy Wording.
* Terms, conditions, limits, sub-limits and exclusions apply.
Please read pages 16 and 75 of the Policy Wording for more information on each cover type.