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Be in to win 1 of 5 $1,000 luggage vouchers when you buy a new travel policy today.*
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Why choose Tower's domestic travel insurance
Trusted partner with global reach
We've joined up with Allianz Partners, one of the world’s largest travel insurance and assistance providers, so you can feel confident knowing we're here when you need us.
24/7Emergency Assistance
If you need help, you can call the Allianz Partners Emergency Assistance team 24 hours a day, seven days a week on 0800 606 688 (Mon to Fri, 8:30am - 5pm) or 09 486 6868 after hours.
Travel insurance with COVID-19 cover
We offer selected cover for epidemic and pandemic diseases with our domestic and international plans^. Find out what you're covered for here.
Free cover fordependent children
Dependent children travelling with an adult covered under the policy pay no additional charge (for Domestic Cover – that’s up to 18 years, and for International Cover – up to 21 years of age).
This is a summary only. For all of these benefits, please make sure you read thepolicy wording to understand the terms, conditions, limits, sub-limits and exclusions that may apply.
Our domestic travel insurance policies include
IMPORTANT - PLEASE NOTE: A maximum total limit applies for all claims by all Insured Persons under certain sections and other limits, sub-limits, conditions and exclusions apply. All costs and expenses must be Reasonable. Terms, conditions, limits and exclusions apply as set out in the Policy Wording. Benefits are per Insured Person and the benefits limits are shared for Dependent Children.
Comprehensive
Cancellation Only
Cancellation of journey
Cover if you must cancel or reschedule your journey because of circ*mstances outside your control.
Cancellation of journey
Cover if you must cancel or reschedule your journey because of circ*mstances outside your control.
$15,000
Cancellation of journey
Cover if you must cancel or reschedule your journey because of circ*mstances outside your control.
$600
Additional expenses
Additional accommodation and travel expenses if you cannot continue your journey because of illness or injury.
Additional expenses
Additional accommodation and travel expenses if you cannot continue your journey because of illness or injury.
$15,000
Additional expenses
Additional accommodation and travel expenses if you cannot continue your journey because of illness or injury.
Alternative transport expenses
Help with reasonable travel and accommodation expenses to help you catch up with your journey where you have to arrive on time for a wedding, funeral or pre-paid event.
Alternative transport expenses
Help with reasonable travel and accommodation expenses to help you catch up with your journey where you have to arrive on time for a wedding, funeral or pre-paid event.
$500
Alternative transport expenses
Help with reasonable travel and accommodation expenses to help you catch up with your journey where you have to arrive on time for a wedding, funeral or pre-paid event.
Travel delay expenses
Reasonable additional meals and accommodation expenses if your journey is delayed.
Travel delay expenses
Reasonable additional meals and accommodation expenses if your journey is delayed.
$2,000
Travel delay expenses
Reasonable additional meals and accommodation expenses if your journey is delayed.
Epidemics and pandemics
Cover for cancellation and travel disruption expenses, should you contract an epidemic or pandemic disease such as COVID-19 after purchasing your policy.
Epidemics and pandemics
Cover for cancellation and travel disruption expenses, should you contract an epidemic or pandemic disease such as COVID-19 after purchasing your policy.
$15,000
Epidemics and pandemics
Cover for cancellation and travel disruption expenses, should you contract an epidemic or pandemic disease such as COVID-19 after purchasing your policy.
$600
Medical expenses
Cover for medical treatment not covered under the public system, by ACC, or by your personal medical insurance for an illness, injury or disease that occurred on your journey. Includes cover for epidemic and pandemic disease such as Covid-19, should you contract it during your trip.
Medical expenses
Cover for medical treatment not covered under the public system, by ACC, or by your personal medical insurance for an illness, injury or disease that occurred on your journey. Includes cover for epidemic and pandemic disease such as Covid-19, should you contract it during your trip.
$2,500
Medical expenses
Cover for medical treatment not covered under the public system, by ACC, or by your personal medical insurance for an illness, injury or disease that occurred on your journey. Includes cover for epidemic and pandemic disease such as Covid-19, should you contract it during your trip.
Emergency dental expenses
Cover for emergency dental treatment for acute dental pain to your natural teeth following an infection or broken tooth first happening during your journey.
Emergency dental expenses
Cover for emergency dental treatment for acute dental pain to your natural teeth following an infection or broken tooth first happening during your journey.
$1,000
Emergency dental expenses
Cover for emergency dental treatment for acute dental pain to your natural teeth following an infection or broken tooth first happening during your journey.
Funeral expenses
Reasonable funeral and cremation or burial expenses where death occurred, or the costs to return the body or ashes home.
Funeral expenses
Reasonable funeral and cremation or burial expenses where death occurred, or the costs to return the body or ashes home.
$5,000
Funeral expenses
Reasonable funeral and cremation or burial expenses where death occurred, or the costs to return the body or ashes home.
Accidental death or permanent disablement
Where death or permanent disablement occurs within 12 months of the injury you sustained during your journey.
Accidental death or permanent disablement
Where death or permanent disablement occurs within 12 months of the injury you sustained during your journey.
$15,000
Accidental death or permanent disablement
Where death or permanent disablement occurs within 12 months of the injury you sustained during your journey.
Personal baggage (limit for each individual item or set of items)
Cover for accidental loss or damage to your personal baggage during your journey.
Personal baggage (limit for each individual item or set of items)
Cover for accidental loss or damage to your personal baggage during your journey.
$6,000 in total, $1,000 per item
Personal baggage (limit for each individual item or set of items)
Cover for accidental loss or damage to your personal baggage during your journey.
Emergency baggage
Cover for essential replacement items if your personal baggage is temporarily lost in transit.
Emergency baggage
Cover for essential replacement items if your personal baggage is temporarily lost in transit.
$450
Emergency baggage
Cover for essential replacement items if your personal baggage is temporarily lost in transit.
Rental vehicle excess
Cover for the insurance excess you must pay when damage is caused to your rental car.
Rental vehicle excess
Cover for the insurance excess you must pay when damage is caused to your rental car.
$6,000
Rental vehicle excess
Cover for the insurance excess you must pay when damage is caused to your rental car.
Personal liability
Cover for liability to pay for accidental injury, death or illness to people, or accidental loss or damage you cause to other people's property during the journey.
Personal liability
Cover for liability to pay for accidental injury, death or illness to people, or accidental loss or damage you cause to other people's property during the journey.
$250,000
Personal liability
Cover for liability to pay for accidental injury, death or illness to people, or accidental loss or damage you cause to other people's property during the journey.
Cruise pack - mandatory if part or all of your holiday is on a cruise
Cruise pack - mandatory if part or all of your holiday is on a cruise
Cruise pack - mandatory if part or all of your holiday is on a cruise
Cruise pack
If you are travelling on a Cruise, you must add the Cruise Pack to have cover. Refer to the Policy Wording for our definition of a ‘Cruise’.
Cruise pack
If you are travelling on a Cruise, you must add the Cruise Pack to have cover. Refer to the Policy Wording for our definition of a ‘Cruise’.
Cruise pack
If you are travelling on a Cruise, you must add the Cruise Pack to have cover. Refer to the Policy Wording for our definition of a ‘Cruise’.
Policy wording
Download Policy wording
Download Policy wording
Get a quote
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Tower Translates
We know insurance lingo can be a bit confusing. While our policies are WriteMark™ approved, we've put our heads together to explain some common terms.
If you're wondering what all that insurance lingo is all about, let’s unpack it.
Check out our translations
Domestic travel insurance FAQs
Allianz Partners manages all policy amendments, claims, and enquiries for us. If you would like to speak with someone, their contact details are:
- Get help with a quote:0800 606 688
- Customer care:0800 800 048
- Email:help@allianz-assistance.co.nz
- Pre-existing medical condition enquiries:0800 100 124
- Emergency number if calling from overseas:+64 9 486 6868(reverse charge call through telephone operator)
You can take out travel insurance at any time before your trip starts, but the sooner, the better. Buying your travel insurance as soon as you book your tickets means you're covered if something disrupts your travel, like a delay or cancellation.
If you take out travel insurance after you've booked your trip, the same protection comes into effect after a 7-day waiting period.
Our travel policies cover some recreational activities like cycling, surfing, and paddle boarding, but they don’t cover more specialist activities. Examples of specialist activities include any extreme versions of any sport, or competing in a competitive event, mountaineering, or parachuting.
Cover differs between domestic and international policy wordings. Check the exclusions in the relevant wording or for more detailed information call us on0800 606 688.
Some pre-existing medical conditions are automatically covered under the Comprehensive plan. Cover for pre-existing medical conditions which are not automatically covered may be available for an additional premium following a medical assessment.
There is no cover available for pre-existing medical conditions under the Cancellation Only plan.
There is no cover if you're already covered under another insurance policy, for example, health or contents insurance.
There is cover in place if your baggage is stolen; however, there are exclusions. Please check your policy wording for more details.
Travel insurance only covers the unexpected. Our travel insurance policies have a prior knowledge exclusion in place, which means there is no cover for anything that you were aware of when you purchased the cover that would give rise to a claim.
Our travel insurance policies are for young and old, including children travelling with adults, and unaccompanied minors.
Dependent children travelling with an adult on the same policy are covered at no additional cost. ForDomestic Cover that's children up to 18 years of age.
A parent or guardian can buy a policy for their child if they are travelling as an unaccompanied minor. They will be charged the minimum adult premium.
Gather your supporting documents that you'll need to include with your claim. This could be your travel itinerary, confirmation of cancellation, applicable refunds, photos, receipts, etc.
Once that's done,make your claim online. You can also call us on+64 9 487 0818if you're overseas or0800 606 688if you're back in New Zealand.
Travel alert notice: Please check the latest travel advisories on the Allianz Partners website to see if it is safe to travel to your chosen destination. You should also check safetravel.govt.nz for information on any countries you might be visiting. Remember to register your travel plans with Safe Travel before you leave so New Zealand officials can contact you in the event of an emergency.
Information on Allianz Partners
Tower Travel insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by Tower Limited. You should read the policy wording before making any decisions about your insurance policy. Terms, conditions, limits, sub-limits, and exclusions apply.
Terms and conditions
^The policy still has a general exclusion for epidemics and pandemics and does not cover disinclination to travel due to fear or change of mind. Cover is not provided if you have commenced your journey against the New Zealand Government’s advice not to travel. There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation when crossing or returning over borders, that applies to a population or part of a population. Please read the policy wording for full details.
*You can see the Ts&Cs for the 'Travel - Upgrade your Luggage' Promotion here.
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