What insurance area should I select?

The 'Area of travel' you need to select is the one you will be spending the MOST time in. The only exception to this is when you are travelling for more than 20% of your total trip time in the United States of America, then you must select Area 1. North and South America, regardless of whether this is your main destination of holiday or not.

Please note that you are insured for all Areas under your selected Area. For example if you choose Area 3 (Europe) as you are spending most of your journey in Austria, you are also covered for travel in Area 4 (UK), Area 5 (South East Asia, Hong Kong, Japan), Area 6 (South Est Pacific) and Area 7 (Australia). Your cover expires as soon as you arrive back to New Zealand, regardless of the duration you have prepaid for.

Each Area includes a pre-set list of countries as below:

Area 1 – North, Central and South America and the Caribbean Antilles, Antarctica (Cruising), Antigua and Barbuda, Argentina, Bahamas, Barbados, Belize, Bermuda, Bolivia, Brazil, Canada, Cape Verde, Cayman Islands, Chile, Colombia, Costa Rica, Cuba, Dominica, Dominican Rep, Ecuador, El Salvador, Falkland Islands, French Guiana, Grenada, Guadeloupe, Guatemala, Haiti, Hawaii (USA), Honduras, Jamaica, Martinique, Mexico, Nicaragua, Panama, Paraguay, Peru, Puerto Rico, St. Kitts & Nevis, St. Lucia, St. Vincent & Grenadines, Suriname, Trinidad & Tobago, United States of America, Uruguay, Venezuela, Virgin Islands.

Area 2 – Africa, Middle East, Indian Sub Continent and Asia (other)
Afghanistan, Algeria, Angola, Antilles, Azores, Azerbaijan, Bahrain, Bangladesh, Benin, Bhutan, Bosnia, Botswana Brunei, Bulgaria, Burkina Faso, Burundi, Canary Islands, Cameroon, Chad, China, Central African Republic, Congo (Dem. Rep), Comoros, Croatia, Djibouti, Dubai (United Arab Emirates), Egypt, Estonia, Eritrea, Ethiopia, Equatorial Guinea, Faroe Islands, Gabon, Gambia Georgia, Ghana, Guinea, Guinea Bissau, Guyana, Herzegovina, India, Israel, Iran, Iraq, Ivory Coast, Jordan, Kazakhstan, Kenya, Korea (north), Korea (south), Kuwait, Kyrgyzstan, Latvia, Lebanon, Lesotho, Liberia, Libya, Macau, Madagascar, Madeira, Mauritius, Mauritania, Mozambique, Maldives, Malawi, Mali, Mongolia, Morocco, Namibia, Nepal, Netherlands, Nigeria, Niger, Oman, Pakistan, Qatar, Reunion, Rwanda, Sao Tome and Principe, Saudi Arabia, Senegal, Seychelles, Sharjah (United Arab Emirates), Sierra Leone, Somalia, South Africa, Sri Lanka, Sudan, Swaziland, Syria, Taiwan, Tajikistan, Tanzania, Togo, Turkmenistan, Uganda, United Arab Emirates, Uzbekistan, West Sahara (Morocco), Yemen, Zambia, Zimbabwe.

Area 3 – Europe
Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Georgia, Germany, Gibraltar, Greece, Greenland, Herzegovina, Hungary, Iceland, Ireland, Israel, Italy, Jordan, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Syria, Tunisia, Turkey, Ukraine, Vatican City.

Area 4 – UK
Northern Ireland, Scotland (United Kingdom), United Kingdom, Wales (United Kingdom).

Area 5 - South East Asia, Hong Kong, Japan
Bali, Burma (Myanmar), Cambodia, Guam, East Timor, Federated States of Micronesia, Kiribati, Marshall Islands, Micronesia, Naurum, Hong Kong, Indonesia, Japan, Laos, Lombok (Indonesia), Malaysia, Myanmar (Burma), Northern Marianas, Palau, Philippines, Sabah (Malaysia), Sarawak (Malaysia), Singapore,Tahiti, Thailand, Solomon Islands, Vietnam.

Area 6 – South West Pacific (including Norfolk Island)
Antarctica (sightseeing flight), American Samoa, Cook Islands, Fiji, French Polynesia, New Caledonia, Norfolk Island, Samoa, Western Samoa, Tonga, Tuvalu, Vanuatu.

Area 7 – Australia
Australia, Christmas Island, Lord Howe Island, Willis Island.

Area 8 – New Zealand only.