|Who is eligible for travel insurance cover?
Our insurer, Allianz Global Assistance, will provide cover for travellers of all ages, however sometimes restrictions can apply depending on age, duration, destination and also pre existing medical conditions. We have three levels of cover available:
Comprehensive – available to all travellers
Basics - for travellers aged 74 years and under
Cancellation & Luggage - for travellers aged 74 years and under
|What counts as a family on a travel insurance policy?
A family on a travel insurance policy means two adults travelling together and their own accompanying dependent children or grandchildren under 21 year of age, who are not in fulltime employment and listed on the Certificate of Insurance.
|Are there discounted travel insurance rates for children and infants on single trip cover?
With our travel insurance, your own accompanying dependent children and grandchildren, aged under 21 years, are covered free of charge under your policy.
|What Region of Travel do I chose if I visiting more than one?
When selecting a region, you must choose the international region where you’re spending the largest portion of your trip.
|Do I have to be 74 year old or under to purchase the Basics insurance plans?
Yes, this level of cover is only open to travellers aged 74 years or under at the date of purchasing the policy. All ages are able to purchase the Comprehensive policy, which does also give travellers increased limits of cover.
|Can I buy insurance if I don’t have a New Zealand passport?
Yes, if you legally reside in New Zealand and will return to a permanent address at the end of your journey.
|Can I buy travel insurance if I don’t live in the New Zealand?
Yes, but only purchase the Basics Policy. If you are undertaking a return trip to New Zealand and returning to your home country you can purchase a NZ non-residents Basics policy.
|What are the cancellation conditions for travel insurance?
You can cancel your insurance policy within 15 working days of the date your insurance policy was issued. Policies are fully non-refundable if a claim is being made.
|Is pregnancy covered by travel insurance?
Cancellation due to pregnancy is covered if complications due to pregnancy arise after the travel insurance was purchased and your GP confirms the need to cancel the trip due to this. Cover is provided for single, uncomplicated pregnancies, up to and including 23 weeks into the pregnancy. If you have experienced complications with the current or past pregnancies, or the conception was medically assisted, cover is not automatic and must be applied for.
|Will your travel insurance plans cover me for a pre-existing medical condition?
Allianz Global Assistance automatically accepts a large number of pre-existing medical conditions and free of charge (Please refer to page 7 of the policy wording). Conditions outside of these require the completion of an assessment form. There is no cost to apply for cover, however additional premium and/or restrictions may apply for accepted cover of pre-existing condition.
A ‘Pre-Existing Medical Condition’ means a medical condition which you were aware of:
1) Prior to the time of the policy being issued that involves:
• Your heart, brain or circulatory system/blood vessels, or
• Your lungs or chronic airways disease, or
• Cancer, or
• Back pain requiring prescribed pain relief medication, or
• Surgery involving joints, the back, spine, brain or abdomen requiring at least an overnight stay in the Hospital, or
• Diabetes Mellitus (Type 1 or Type 2); OR
2) In the 2 years prior to the time of the policy being issued:
• For which you have been in Hospital or emergency department or day surgery, or
• For which you have been prescribed a new medication or had a change to your medication regime, or
• Requiring prescription pain relief medication;
• For the purposes of this clause medical condition includes a dental condition; OR
3) Prior to the time of the policy being issued that is:
a) Pregnancy, or
b) Connected with your current pregnancy or participation in an IVF program; OR
4) For which, prior to the time of the policy being issued
a) you have not yet sought a medical opinion regarding the cause; or
b) you are currently under investigation to define a diagnosis; or
c) you are awaiting specialist opinion
If you are not sure regarding a condition, please refer to page 7 of the policy wording, contact your local store or call us on 0800 474 400.
|Is sports equipment covered on your travel insurance policies?
Yes – subject to the following per item:
• Comprehensive policy maximum cover is $750
• Basics policy maximum cover is $500
No cover applies for sporting equipment while it’s in use.
|Is my luggage covered by your travel insurance if it is stolen from a locked vehicle?
Luggage and Personal Effects stolen from a motor vehicle will only be covered if:
• The theft occurred during daylight hours between sunrise and sunset, and
• The Luggage and Personal Effects were stored in the boot, and
• There is evidence of forced entry to get to them.
Note there is a maximum limit of $2000 in total for items left unattended in a motor vehicle.
|Will I be covered by your travel insurance plans while skiing or snowboarding?
Yes – provided you are skiing/snowboarding on the commercially licensed ski area.
|What is the excess on travel insurance claims?
Excess is applicable to each claim that is made within the following sections of the policy: travel services insolvency, overseas medical and dental expenses, additional expenses, amendment or cancellation costs, luggage and travel documents, delayed luggage allowance, resumption of trip and special events.
STA Travel highly recommends taking a policy with a $Nil excess. This will prevent you from losing the first $100 or $250 for each event that you need to claim for.
There is a $100 and $250 excess option available and if chosen, will lower the cost of your insurance premium. However, if you need to make a claim, this is the amount you will have to pay first!
|Does your travel insurance cover me for natural disasters?
Yes! Providing your policy was issued prior to the natural disaster becoming known, your insurance policy will cover you.
|Can I get travel insurance cover for only part of my trip?
It is not recommended to get travel insurance for only part of your trip, however it is possible to have a policy to cover part of your trip with the following conditions:
• A minimum premium of 3-days on the departure
• No claim will be met for any event that occurs during the uninsured portion of the journey (including cancellation costs).
If you decide to stay away longer than you originally intended when you bought your insurance, you are able to extend the cover (as long as it has not expired) after your trip has started.
|What is the maximum length I can take out a travel insurance policy for?
The maximum length on a single trip is 12 months (from the start date of the original policy). You can extend a policy by purchasing a further 12 months policy once departed provided the original policy has not expired before you request the extension and no claims have been made.
|Is my travel insurance cover still valid if I need to return to New Zealand partway through my trip?
If you have purchased a single trip policy, your cover will finish at the time that you return to New Zealand and it cannot be re-started if you leave again to re-commence your trip.
|Will your travel insurance cover me to work abroad?
If you plan on undertaking work whilst you are on your trip, please check at the time of booking whether the type of work you plan to undertake will be covered under our travel insurance policies.
|Does your travel insurance cover me if I start my trip outside New Zealand?
Yes, but only under the Basics policy and you must have the intention to return to New Zealand at the of the policy.
|Is repatriation always to New Zealand?
Yes. If you wish to be repatriated somewhere other than New Zealand you can be, but the costs covered by your travel insurance would be limited to the cost of repatriation back to New Zealand.