Eligibility criteria

Whether you’re visiting family, venturing out on a hike or taking the kids on a break during the school holidays, it’s important to understand whether you qualify for our domestic travel insurance policy before you buy.

You can find the eligibility criteria for this policy below.

You can only get cover under this policy if you meet all the criteria below.

  • You live in New Zealand permanently.
  • You’re eligible for funding for all public health and disability services in New Zealand.
  • You haven’t already started your journey when you buy this policy.
  • Your journey will take you more than 100 kilometres from your home.
  • You’re not travelling to get medical or dental treatment, cosmetic surgery, or related advice.
  • A doctor hasn’t told you that you’re not fit to travel before starting your journey.
  • You haven’t been refused cover, had an insurance claim declined, or had an insurance policy cancelled or voided, because of fraud. 
  • You have a New Zealand bank account.
  • You have access to an email address so we can contact you about your policy.

When you buy this policy, you confirm that you meet these criteria at the date your insurance starts, and will keep meeting the criteria until the date your insurance ends.

If you don’t meet all these criteria at the date your insurance starts, we’ll treat your policy as void from that date, and we won’t cover any claims. 

If you no longer meet any of these criteria at any time after the date your insurance starts, your policy will end from the date you no longer meet the criteria. From that date, we’ll have no liability for any further claims, costs, or losses.


You must return home at the end of your trip

You don’t need to have sorted your transport home before the date your journey starts, but you must return home at the end of your trip.


What you need to know

This page provides a summary of the key terms only. 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 travel insurance Policy Document.