Zurich New Zealand will be responsible for claims that occur on or after 1 November 2026 under the new policy terms and conditions, regardless of when your trip started or when you activated cover.

If a claim event occurs on or before 31 October 2026, AIG will be responsible for your claim, even if your trip continues after that date.

If you’re travelling on a covered trip on or after 1 November 2026 or if you have activated cover before 1 November 2026 for an upcoming trip, then Zurich New Zealand will provide continuity of coverage for that trip on terms that are no less favourable than the AIG travel insurance policy. This includes applying the old policy excess to any claim, made on or after 1 November 2026.

New policy wordings will be available in mid-October. These changes will apply to new and existing customers. Westpac will send a communication about the changes to existing card holders.

Overseas travel insurance policies have been rewritten to make sure that they are clear and easy to understand. Some examples of what this means are:

• Policy Benefits: Benefits have been rewritten to clearly state what is covered, what isn’t covered, and what we will pay when there is a covered claim. We have also moved different sections together if they deal with similar events. For instance, cancellation and additional travel expenses are now combined as they both relate to changes to your planned itinerary. Some benefits have changed – see ‘what are the changes to overseas travel insurance cover’ at the top of this page.

• Policy definitions: some definitions, such as pre-existing medical condition(s), have been changed, and others have been added or deleted. This is to make sure the rewritten policy benefits work as expected.

• Exclusions. Some exclusions have been changed, and others have been added or deleted, or moved into specific sections that they apply to. You should always review policy exclusions, even if you think the changes may not affect you.

Some important features of the policy that aren’t changing are below. Even if these aren’t changing, it’s always important to read the policy in full before you travel, to make sure it meets your requirements.

• Overseas travel only. You can only be covered for international trips departing from and returning to New Zealand.

• Age limits: If you are aged between 75 and 90 when travelling you will have restricted cover under this policy and if you are aged 91 when travelling you will have no cover. View the Age Limits and Mature Age Medical Cover page for more details and information on how to apply for and purchase Mature Age Cover

• Trip duration limits. You are not covered for any part of your trip if it is over 35 days duration (Platinum Mastercards), or 120 days (World Mastercards), or you have purchased a duration extension.

• Pre-existing medical conditions remain excluded, unless you have applied to cover them, and paid any applicable premium. 

• Other important exclusions, such as war, not having correct visa’s to travel, or providers like airlines going into bankruptcy or financial default do remain in the policy, even if they have been reworded to make it easier to understand how they apply. 

No. If you have already activated cover for an upcoming trip, you do not need to do anything, regardless of when you are travelling.

If you’re travelling on a covered trip on or after 1 November 2026 or if you have activated cover before 1 November 2026 for an upcoming trip, then Zurich New Zealand will provide continuity of coverage for that trip on terms that are no less favourable than the AIG travel insurance policy. This includes applying the old policy excess to any claim, made on or after 1 November 2026.

No, if you have arranged any optional cover, and paid the required premium to AIG then you do not need to do anything. Your cover will remain in place with no change needed.

Yes, you can confirm your trip is covered now, even if you are travelling after 1 November 2026, and add any required optional extensions such as pre-existing medical condition cover. Just enter your trip details on our Questionnaire. 

Yes, some contact details will change from 1 November 2026.

• Customer service from within New Zealand: Our new phone number is 0800 147 898 (Monday to Friday 8am to 6pm).

• Emergency Assistance: Our new dedicated email address is westpacassistance@travelguard.com

• Claims: Our new dedicated email address for customers who have already submitted a claim is westpactravelclaims@travelguard.com

For contact details before 1 November 2026, visit the AIG contact details page. All existing contact details All existing contact details will continue to operate in the short term to provide continuity, but we encourage you to update any contact information you have, or to bookmark our new contact us page. 

No, if you have gone through the activation questionnaire and confirmed cover, you will still be covered, even if you are travelling on or after 1 November 20126. 

If you would prefer to have a new certificate issued by Zurich, you can complete a new questionnaire and obtain a new certificate. If you pay a new premium, please call us on 0800 147 898 and we will cancel and refund your original certificate. 

There is no change to the claim submission process. You can still submit your claim online, or download a claim form and send it to us separately. 

The same claims team will be handling your case, regardless of the whether the claim occurred before or after 1 November 2026, so you don’t need to do anything.

Visit the claims page for more information.

Extended Warranty and Purchase Protection policies are ending on 30 November. If you have an enquiry or a claim relating to a purchase before November, visit the claims page for information.