Travel Insurance - Important Information

• What ages does senior travel insurance cover?

• Over 50s, over 60s, over 70s ... we cover travellers of all ages. If you have any specific questions regarding travel insurance for seniors, please call our friendly customer service team. 

• What if i’m going cruising?

• Things like medical costs can really blow out on a cruise. Whether you’re going on a domestic cruise or an overseas cruise, a  Cruise Pack is required to be covered for anything that happens at sea. 
  
  You need to tell us about each country you’ll be visiting on your cruise to be covered for those countries. 

• Do I need Travel Insurance for a Domestic Cruise?

• Once your ship leaves port, even if you're cruising New Zealand waters, you’re no longer covered for hospital or medical expenses by Medicare or your private health care provider, meaning they won't cover any expenses incurred on-board the ship. You’re also not covered by Medicare and private health when you leave the boat for cruise excursions.
  
  If you want medical travel insurance on your cruise, you’ll need to purchase a Cruise Pack to cover you. If you’re taking a cruise within New Zealand waters, you will need to select a Comprehensive policy with the Cruise Pack add-on and select "New Zealand Cruise" as the destination/region. You can find out more about choosing your cruise region here.

• Can I Apply To Extend My Travel Insurance Policy?

• Yes. You must extend your policy before it expires (11.59pm AEST/AEDST). To extend your policy, you simply need to call the call centre on 0800 000 333, email us at [email protected] or speak to a call centre representative via online chat.
  
  If you call us, one of our trained travel insurance specialists will assist you in the policy extension. You'll be issued with a quote for the policy extension period, and you'll need to process a payment for this extended period. Please note: there may be instances where a policy extension is not available.

• What Is A Pre-Existing Medical Condition?

• A pre-existing medical condition is a condition you have at the time of buying your medical condition. It may affect your travel insurance options. See our pre-existing medical condtions page for more information. 

• What Pre-Existing Medical Conditions Cannot Be Covered?

• If a medical condition is not automatically covered, it needs to be disclosed. This doesn’t necessarily mean it won’t be covered at all, but there may be certain conditions where you’ll need to pay a bit extra for your pre-existing condition to be covered. Alternatively, you may be able to get cover, but not for your pre-existing condition. You’ll find out when you take the short medical assessment during the purchase process. 

• If I can’t get cover for my pre-existing medical condition, can I still buy a policy?

• During the purchase process, you can fill out a short medical questionnaire which will tell you whether you’re covered or not.
  
  If your condition is not covered, you may still be able to purchase travel insurance that can cover you for events not related to your condition. If we can't cover your condition, it means that anyone under your policy would not be able to claim for any costs arising from, related to, or associated with, your pre-existing medical condition/s.

• Am I covered for stopovers?

• You need to include all destinations you're travelling to, apart from stopovers of less than two nights – except the USA. If you're travelling to the USA for any part of your journey then you need to include it in the destinations you are travelling to.

• What Happens If I Come Home Early?

• Your policy covers the full duration of your trip. There are no refunds should you come home earlier than planned.

• What if I’m only travelling domestically?

• Many people assume they don’t need domestic travel insurance because of Medicare. But there are still plenty of things that can go wrong on a domestic trip: lost luggage, or cancelled plans due to flight delays/cancellations, natural disasters like bushfires, or other unforeseen circumstances.

• What if I’m a frequent traveller?

• Whether you’re in your 50s, or you’re over 60, or over 70...you might want to travel - a lot! That’s why we give you the option of purchasing an annual policy. This may be a more convenient alternative to purchasing a policy each time you go on a holiday or overseas trip. Visit our annual travel insurance page for details.

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