Domestic travel insurance
Domestic travel insurance
Vast national parks, rich Māori culture, serene beaches, untamed wilderness, world-class skiing and surfing – and all right here on our doorstep. If you’ve never got around to planning that dream staycation, now’s the time to discover all that Aotearoa has to offer.
Whether you’re planning a weekend city break to Wellington or a coastal beach escape to Abel Tasman National Park, you may want to consider covering yourself with domestic travel insurance whilst you’re away from home, so you can travel with peace of mind.
Your premium includes cover for your dependent children. A dependent child can be any of your children, stepchildren, foster children, and grandchildren who are under 21 years old at the date your insurance starts and are not in full-time employment.
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Why do I need domestic travel insurance?
Even though you may be covered for medical events by ACC, there are still other unexpected events that could derail your travel plans, even when you’re exploring your own back yard. Your flight or cruise could be cancelled, you may have to return home early if a family member is taken into hospital, or a cheeky kea could damage your rental car!
What does domestic travel insurance cover?
Our domestic travel insurance can provide cover for:
- Cancelling or changing your travel plans before you leave
- Changing your travel plans once you have left
- Luggage and personal items
- Rental vehicle excess
- Pet care costs if you’re delayed getting home
- Childcare costs if you’re delayed getting home
- Personal liability
- Optional: Cruise cover
View our key benefits page for more detailed information on your level of cover. To fully understand what you’re covered for and the exclusions and conditions that apply, you should read the policy document.
Does domestic travel insurance cover medical emergencies?
It’s important to know that our domestic travel insurance doesn’t cover medical expenses. ACC provides insurance cover for personal injury for everyone in New Zealand, whether a citizen, resident or visitor. This means if you are injured by an accident in New Zealand, ACC may pay some of your medical and rehabilitation costs.
We will still ask that you disclose your pre-existing medical conditions (PECs) when you buy a domestic policy. This means that if you need to cancel or delay your trip due to a PEC, you’ll be covered for cancellation costs under your policy.
Cover for your furry friends
Whether you’ve got a playful pooch or a cuddly cat, it’s worrying when you can’t get home to your beloved pets. So, if an unexpected event delays your journey home, we’ll cover the extra daily costs of keeping your pets in a boarding facility, such as a kennel or cattery. We pay up to $50, for each day and up to $500 for each person.
We can cover claims if:
- An unexpected event delays your return home
- The pet boarding facility is a registered business
We don't cover claims for:
- Any animals that don't normally live with you at your home. We may ask you to provide evidence that an animal lives in your home, such as a microchip registration or a pet insurance policy
- Any daily fees you incur from the day after you return home
- Anything under 'E. General exclusions - things we never cover' in the policy document
Cover for the kids
It’s annoying when you can’t get home as planned. So, if an unexpected event delays your journey home, we cover the cost of any childcare you’ve already booked but can’t use and is not refundable. We pay up to $100, for each day and up to $500 for each person. This policy only covers the children receiving the care.
We can cover claims if:
- You’ve booked the childcare for after the date your journey was supposed to end
- The childcare facility is a registered business
- You can’t get a credit or refund for your booking
We don’t cover claims for:
- Any children that don’t normally live with you at your home
- Any daily fees you incur from the day after you return home
- Anything under ‘E. General exclusions — things we never cover’ in the policy document