International Comprehensive

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Comprehensive travel insurance

We’ve seen a lot of the problems that could go wrong on your trip, from lost luggage to medical emergencies. We don’t want to scare you off from exploring the world, we just want you to return home safely with all your stuff. That’s why our International Comprehensive policy provides cover for unexpected events.

Buy an International Comprehensive policy now

Maximum Cover
medical
Medical and evacuation
Includes cover for medical treatment, doctors’ visits, prescribed medication, specialist treatment and medical transport costs. Plus 24-hour emergency assistance, support of qualified medical advisers, guarantees for medical expenses and contact with family.
Unlimited
Medical treatment
Unlimited
24-hour emergency assistance
Unlimited
Medical evacuation
Unlimited
Medical repatriation
Unlimited
Emergency dental treatment
For each paying person.
$2,000
Cash allowance after 72 hours in hospital
$100 per 24 hours. For each paying person.
$3,000
Accompanying person
Unlimited
Funeral expenses or return of mortal remains
For each deceased paying person. No excess applies.
$50,000
Related to terrorism
For each paying person.
$100,000
cancelling your journey
Cancelling or changing your journey before you leave

Includes cover for cancellation fees and prepaid travel costs if your trip is cancelled or changed due to an illness, injury or natural disaster. Plus, cover for additional costs to help you attend a special event including a wedding or sporting event.

$2,500

Options to increase up to Unlimited

Cancelling your journey
For each paying person.

$2,500

Options to increase up to Unlimited

Changes before you leave
For each paying person.

$2,500

Options to increase up to Unlimited

Existing conditions of a relevant person
For each paying person.
$2,500
Delayed journey to a special event
For each paying person.
$2,500
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Changes to your journey once you have left

Includes cover for transport, accommodation, meals, activities and tour costs if you cannot reach your next destination on time, or if you need to cut your trip short and return to New Zealand.

$50,000

Changes once you have left
For each paying person.
$50,000
Cutting your journey short
For each paying person.
$50,000
Travel interruption
For each paying person.

$30,000

Existing conditions of a relevant person
For each paying person.
$2,500
Delayed journey to a special event
For each paying person.
$2,500
baggage
Baggage and personal items

Cover for lost, stolen or damaged items and help to purchase essential clothing and toiletries, if your bags are delayed, misdirected or misplaced for 12 hours or more.

$25,000
Unspecified jewellery and watches
Up to $1,500 for each item, for each paying person. Depreciation applies.
$2,500
Unspecified laptops, personal computers, tablets, cameras
Up to $3,000 for each item, for each paying person. Depreciation applies.
$10,000
Other unspecified items
Up to $1,500 for each item, for each paying person. Depreciation applies.
$25,000
Optional: Specified items
Up to $10,000 for each item, for each paying person.
$15,000
Baggage delay
For each paying person.
$1,000
Essential medication
For each paying person
$500
cash
Cash and travel documents
Includes cover to replace lost, stolen or damaged bank cards, travel documents and passports, and to replace lost or stolen cash.
$1,000
Bank cards, travel documents and passports
For each paying person.
$1,000
Cash
For each paying person.
$500
personal accident
Personal accident (16-80 years)

Includes financial support for you or your loved ones if you’re injured whilst on your journey.

$50,000
Loss of income
For each injured paying person. No excess applies
$6,500
Total permanent disablement
For each injured paying person. No excess applies
$50,000
Loss of life
For each deceased paying person. No excess applies
$50,000
personal liability
Personal liability

Cover towards legal liability for damages, compensation and legal expenses.
For each paying person. No excess applies.

$1,000,000
rentalvehicle
Rental vehicle excess

Payment towards any excess you must pay if the rental vehicle you hired is stolen or damaged.
For each paying person. No excess applies.

$10,000
pet services
Pet services

Cover for your pets to remain in a boarding facility if your return home is delayed.

Up to $100 a day.

$1,000
childcare expenses
Childcare expenses

Cover for unused, non-refundable childcare costs.

Up to $100 a day.

$1,000
moped
Optional: Moped and motorbike cover
As per relevant section of the policy
skier
Optional: Skiing and snowboarding cover
As per relevant section of the policy
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Optional: Cruise cover
As per relevant section of the policy

This table is a summary of the International Comprehensive policy benefits and shows the maximum cover under each benefit for each paying person (unless cover otherwise stated). The excess you select applies per unexpected event (unless otherwise stated).


What you need to know

This page includes some information about our products but, as with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant policy documents to ensure our travel insurance products are right for you.

You can find the relevant documents for all our policies here: International Comprehensive, Annual Multi-trip, International Medical Only, Domestic, Working Overseas, Visiting New Zealand, International Student