This insurance is only for overseas travel from and back to New Zealand. To be eligible for this insurance you must be a New Zealand citizen or permanent resident and intending to return to New Zealand to live at the end of the journey.

You must also hold a current and valid eligible Westpac credit card.

Eligible card types are limited to:

• Westpac hotpoints® Platinum Mastercard®

• Westpac Airpoints™ Platinum Mastercard®

• Westpac BusinessPLUS Mastercard®

• Westpac Westpac Airpoints™ Business Mastercard®

• Westpac hotpoints® World Mastercard®

• Westpac Airpoints™ World Mastercard®

You can confirm that you have met the activation criteria by completing the activation questionnaire.

Your accompanying Spouse and / or dependent children may be insured but must be departing and returning with you and following the same general itinerary. Family members who are travelling on different itineraries may be covered in their own right if they hold a joint or additional card and satisfy the activation criteria (please complete a separate eligibility questionnaire).

Please note that Benefit E2. Scheduled Transport Accident has additional activation criteria, over and above the eligibility and activation criteria for the rest of the policy.

Your cover is always based on the card you hold at the time your trip starts (or the card held at the time a claim event occurs for the purposes of pre departure cancellation claims).

If you have changed your Westpac credit card since you started planning or paying for your trip, please complete the eligibility questionnaire based on the card you currently hold.

You will be whether you have paid for part of your trip using your Westpac card (or another approved method) and you should include amounts paid using ANY Westpac credit card. If you change your Westpac credit card after completing the eligibility questionnaire, please recomplete the questionnaire based on your new card to check if you are still covered. 

If you have changed to a card that does not include travel insurance benefits, you will no longer have any cover under the policy. 

If you are aware that you may have to cancel a planned trip the policy conditions require you to minimise the total cost of cancellation. For instance, you should also cease paying any further pre paid travel costs that may not be refundable. Once you have decided to cancel you should contact airlines or other providers to request refunds.

If you are not able to obtain a refund but you can obtain a credit to use later you should accept that option. If it turns out that you are unable to use the credit before it expires you can contact us when the credit expires and we will reopen an existing claim or you can lodge a new claim, regardless of how long it has been since the original trip was cancelled.

You are not covered for travel into and within a location that is listed as an 'Do Not Travel' location on the Ministry of Foreign Affairs and Trade website www.safetravel.govt.nz. Provided you have activated correctly you will still be eligible for cover in other countries not listed as 'Do Not Travel'. All cover is subject to standard terms, conditions and exclusions of the policy.

If your intended location is upgraded to 'Do Not Travel' after you have activated cover under your policy but before your departure from New Zealand (or before entering the location, if you have already departed) you may have a valid cancellation claim under the policy. However, if you choose to travel to the country after it has been upgraded, the policy will not provide cover.

If the location you are in is upgraded to 'Do Not Travel' whilst you are in that location, or entering that location, then full cover will be in place provided you try and leave that location as soon as possible after you become aware of the upgrade. In all cases you should contact Travel Guard to discuss your cover options at the time.

Yes, you must pay the first $300 for every claim event under:

• Benefit A. Medical and evacuation expenses

• Benefit B. Travel cancellation and additional expenses

• Benefit C. Luggage, personal belongings and travel documents

Except for the below sub-benefits for which an excess is not payable:

• A2. Extra medical cover – 2. In-hospital cash

• B2.1 Extra cover after you depart New Zealand – 2. Travel delay

• C2. Cover sub-limits – 5. Luggage delay

No excess applies to benefits D., E., F., G. or to the snow inconvenience benefits under H1. – H3. in the case of additional cover purchase under Benefit H. Snow sports cover.

Only one excess applies if you make more than one claim as a result of a single event. If you claim for two or more separate unrelated claim events two excesses shall apply. If a family claims, only one excess shall apply to each claim event.

No. In order to be eligible for cover you must hold a return travel ticket for your travel before you depart New Zealand that shows a return date within the maximum duration of cover which is 35 days for:

• Westpac hotpoints® Platinum Mastercard®

• Westpac Airpoints™ Platinum Mastercard®

• Westpac BusinessPLUS Mastercard®

• Westpac Westpac Airpoints™ Business Mastercard®
  

And 120 days for:

• Westpac hotpoints® World Mastercard®

• Westpac Airpoints™ World Mastercard®

Yes, however there are some limitations on medical cover, including:

• There is no automatic cover under this policy for any event that is caused by or arises as a result of any pre-existing medical condition.
• There is no automatic medical cover if you are 75 years or older as at your departure date from New Zealand.
• There is no automatic medical cover if you are participating in snow sports during your trip.

Check the 'Policy Information' pages for information about purchasing additional medical cover.

No, pre-existing medical conditions are not covered unless we have assessed and accepted your conditions and you have paid the applicable premium. To apply for cover please complete an eligibility questionnaire.

A separate application is required for each and every trip and the results of our assessment and the required premium can change between different assessments.

There is no cover for pregnancy or childbirth. This exclusion does not apply where costs are incurred because of your unforeseeable medical complications or emergencies which occur when you are not more than 23 weeks and 6 days advanced in your pregnancy.

We do not consider uncomplicated pregnancy to be a pre-existing medical condition and you cannot apply to cover pregnancy. Any costs for the following are excluded;

Routine pre-natal care for pregnancy (at any stage of a pregnancy), and, from the time you are more than 23 weeks and 6 days pregnant there is no cover for:

a) Childbirth;

b) Any neo-natal care; or

c) Maternity care of the mother.

As long as $500 in prepaid travel expenses has been charged to one of the joint/additional cards held by the couple then the prepaid spend requirement* will be deemed to have been met, regardless of which physical card was used for the transaction(s).

We consider cardholders in these situations to be covered as individuals in their own right (subject to meeting other eligibility criteria such as trip duration) and cover can extend to include dependent children as long as they are accompanying one of the cardholders for the entire duration.

^{*Westpac Airpoints World Mastercard® only requires pre-paid expenses to be charged to the card for work related travel. The card must be held at the time travel is booked, see your applicable policy wording for more details}

If you hold a stand-by ticket for your return travel that is dated within the standard duration of cover for your card type at the time you depart New Zealand, then you will be considered by us as having satisfied the return ticket requirement. However, the maximum journey period will still apply and you will have no cover under the policy if your trip exceeds the standard duration of cover as a result of your stand-by ticket status.

This means no claims will be paid even if the loss occurred within the standard duration of cover.

In addition there is no cover for any costs or losses arising from any itinerary changes arising directly or indirectly from your holding a stand-by ticket.

For details about maximum age limits and applications to cover trips of longer duration, please click here.

For details about age limits applying to the policy please click here.

There is no cover under the policy for training or participating in competition sports except for organised sanctioned competitions for primary or secondary school age students.

Please contact us for individual consideration on 0800 147 898 if you are unsure whether the sporting competition you are planning to participate in might be considered professional.

There is no cover for loss or damage to sporting equipment whilst in use. Items are subject to normal terms, conditions and exclusions under Benefit C. Luggage, personal belongings and travel documents when not in use.

No. Bicycles, surfboards and sporting equipment cannot be specified under your policy.

Skiing or snow boarding within the designated boundaries of a commercially operated skifield can be covered for an additional premium. For more information click here or you can complete an eligibility questionnaire and we will provide a quote.

Skiing or snowboarding outside the designated boundaries of a commercially operated skifield and ski racing always excluded.

No. This policy only covers trips starting and finishing in New Zealand. In addition, you must be residing in New Zealand and returning to New Zealand to live at the end of your journey.

No. The cover applies to international travel not pure domestic travel.

No. There is no requirement to call us to advise when you are travelling, if you are under 75 years of age as at the date you depart. You will be eligible for cover when you have met the activation requirements subject to the terms, conditions and exclusions of the policy.

If you are 75 years or over as at the date you depart, please visit the age limits page for important information about limits to cover. 

If you want to check that you have met the activation requirements or if you need confirmation documents for any reason you can do so by completing the online questionnaire.

Yes, simply complete the online questionnaire and we will be able to email you a confirmation of cover  or you can print one directly from this site.

Your policy number is the first 6 digits of your individual credit card number.

No. Spouse and dependent children are only covered if they are accompanying a cardholder who has met the activation requirements for a cardholder travelling with their family. This means in addition to the activation requirements the family members must be departing and returning with, and following the same general itinerary as the cardholder.

Family members who are joint or additional cardholders may be eligible for cover in their own right subject to meeting the activation requirements, including sufficient pre-paid spend being charged to a card held jointly.

We will cover most normal tourist activities that are provided, guided or supervised by a licensed commercial operator, such as:

• Organised tours or safaris;

• Cruises that include at least one Overseas port;

• Treks, hikes and tramps below 3,000 metres altitude;

• Bungy jumping, zip-lining and white-water rafting;

always provided such activities are available to the general public without restriction (other than height or general health and fitness warnings).

Guided treks, hikes and tramps that are arranged by a licensed commercial operator following established trekking routes will be covered so long as the altitude does not exceed 3,000 metres.

The policy specifically excludes the below activities:

• Mountaineering involving the use of specified equipment including, but not limited to, crampons, pickaxes, anchors, bolts, carabiners and lead-rope or top-rope anchoring equipment.

• Treks, hikes and tramps above 3,000 metres in altitude.

• Expeditions to high risk, remote, inaccessible and/or inhospitable locations including, any areas that cannot be reached by ordinary ambulance and emergency services.

• Rock-climbing.

Rental Vehicle means a passenger class four-wheeled motor vehicle rented or hired by you from a licensed car rental agency, which is designed to carry no more than 8 passengers, including the driver, and is not for the carriage of commercial goods.

Benefit D. Overseas rental vehicle hire covers the excess you become legally liable to pay in the event of a claim against your rental vehicle's insurance policy. It does not cover the vehicle itself. Please refer to the policy wording for a full description of cover.

Dependant Child(ren) means each person who:

1.             Is your natural, step, or legally adopted child (or foster child); and

2.             Is unmarried and not living in a relationship equivalent to marriage; and

    a) Is under the age of 19 years at the date of departure for a Covered Trip; or

    b) Is under the age of 25 and is a full-time student who is currently enrolled, or is enrolled in the next academic term or semester, and who is primarily dependent on the Cardholder for maintenance and support.

Dependent children must be accompanying you throughout the entire duration of the journey.

The policy will not cover, for example, a scout group or a school trip where the cardholder accompanies children as a supervisor/care

Spouse means your spouse or de facto partner with whom you have continuously cohabited for a period of three (3) consecutive months or more immediately preceding the commencement of a Covered Trip.

No. This insurance is available only to you and your Spouse and Dependent Children as defined in the policy. If members of your travelling party do not meet the definition of Spouse and/or dependent children they cannot be covered under the policy.

Business-related travel can be covered, provided you use your own (personal) card to activate cover. You can only be covered when working if the work you are doing is part of your current employment in New Zealand.

Please note that hazardous or manual work activities may not be covered under the policy and need to be disclosed to us prior to travel by calling 0800 147 898.

This benefit provides a lump sum payment if you suffer death or disablement as a result of an accident while you are travelling on scheduled transport overseas including getting on and of the transport.

This section of the policy has additional activation requirements, over and above the normal policy activation criteria. In addition to the normal policy activation criteria, you must have charged the full cost of your conveyance ticket (and that of any accompanying dependent child or spouse) to your applicable card. Please refer to your applicable policy wording and to ‘E4. Special Activation Requirement.’

No. While you will not be eligible for Benefit E2. Schedule Transport Accident, you can still be covered under your overseas travel insurance policy for all other benefits  - including Benefit E1. Accidental Death, provided you meet the normal policy eligibility criteria.

Sailing outside of territorial waters is an excluded ‘Hazardous Sport or Activity.’ This means we will cover yachting that is coastal in nature only (within 12 nautical miles of land). You should call us on 0800 147 898 if any part of your sailing activity would trigger the definition in your policy wording of a ‘Hazardous sport or activity.’

Luggage and personal effects are subject to a per item limit of $3,000. You can specify items over that amount (to a maximum of $10,000 for all specified items) for an additional premium.

This specified item extension will only increase the limit any one item, not the policy limit under Benefit C. Luggage, personal belongings and travel documents.

If you would like to specify an item(s), complete a questionnaire and add cover for high value luggage

In the event of a claim, you will also need to provide proof of the value of the item such as a purchase receipt, or in relation to items of jewellery, a valuation of less than 12 months provided by a registered valuer.

No. The maximum payable under Benefit C. Luggage, personal belongings and travel documents. remains the same even if you nominate items for extended cover.