visa platinum travel insurance nz

The ASB website functions best with JavaScript enabled.

Asb credit card travel insurance.

You might already have access to overseas travel insurance if you've got an ASB Visa Platinum Rewards credit card. Find out how to activate it correctly.

Check activation Make a claim

Benefits at a glance

• Access to a wide range of benefits – from lost luggage to cancelled flights and medical emergencies
• Emergency assistance that you can call from anywhere in the world 24/7
• Cover for you, your spouse and your dependent children when they're travelling with you
• Protect your travel plans and get peace of mind when heading overseas

How ASB credit card travel insurance works

You can access up to 90 days travel insurance per overseas return trip on an ASB Visa Platinum Rewards card. And if you're travelling with your spouse or your dependent children, they're included too (as long as all of the terms and conditions  are met).

The ASB Visa Platinum Travel Insurance policy provides cover for a wide range of benefits. Here are some examples, but please read the policy wording  for full details:

• Medical and emergency evacuations.
• Cancellation of your trip due to an unexpected event.
• Lost or stolen luggage, including luggage delays of 12 hours or more.
• Accidental death or personal injury.

How to activate your travel insurance

To activate your travel insurance you simply need to pay for at least 50% of your overseas return travel tickets using your ASB Visa Platinum Rewards credit card. Remember to keep any receipts, emails, bank statements or other proof that you've activated your travel insurance. If you make a claim, we'll need to see this.

You can check activation of your travel insurance or purchase additional cover by visiting www.asbtravel.co.nz .

Here are several other quick and easy ways to activate your travel insurance prior to leaving New Zealand:

• Use your True Rewards dollars , Airpoints or other frequent flyer points to buy your overseas return travel tickets. If you don't have enough True Rewards dollars or frequent flyer points for the whole amount, you can use another activation method to pay at least 50% of the balance to qualify for cover.
• Get a cash advance from your ASB Visa Platinum Rewards account and on the same day use these funds to pay for at least 50% of your overseas return travel tickets.
• Pay for at least 50% of your overseas return travel tickets from your ASB bank account if you're unable to use your ASB Visa Platinum Rewards credit card to pay for your tickets, or there's an additional charge for using your credit card (your travel provider must give you written confirmation that your credit card is not acceptable or would incur an additional charge).
• Travel on return overseas tickets that you've won in a prize draw or competition.

Important information you need to know

• Pre-existing conditions aren't automatically covered. If you'd like to apply for a pre-existing condition to be covered, please apply at www.asbtravel.co.nz now.
• There is no cover for any personal items, money or documents that have been mislaid or forgotten, for example left on transport or in a hotel room or other accommodation.
• For ASB Visa Platinum Rewards cardholders aged 76 and over, you are not eligible for cover under the base policy however can purchase additional cover.
• There are a number of exclusions which apply to this policy, please see the policy document  for details.
• It's a good idea to check travel advisories when you're travelling overseas. You can check these at safetravel.govt.nz to see how your travel will be affected.

Which company underwrites this policy?

ASB has chosen AIG to underwrite our ASB Visa Platinum Rewards Travel Insurance. This means they'll answer your policy questions and be on hand to help if you call emergency assistance or make a claim.

Get started today

If you haven't already got an  ASB Visa Platinum Rewards credit card ,  apply for one now . 

02. Understand

Read the applicable travel insurance policy document  to get a full understanding of what is and isn't covered and how to make a claim.

03. Activate

To make sure you are covered, you need to activate your ASB Visa Platinum Travel Insurance and keep proof of activation in case you need to claim.  You can check activation online at www.asbtravel.co.nz .

If you need to make a claim, request this through the Digital Claim Portal or call AIG Travel on 0800 660 141 or +64 (4) 916 6312 .

Calling from New Zealand

For enquiries and claims in New Zealand, please call AIG.

0800 660 141

Calling from overseas

If you're overseas and you need emergency or medical assistance, please call AIG Travel.

+64 4 916 6312

You might also like

Top tips and travel essentials.

Before you leave check out or travel guide. It Includes great tips for keeping safe before and during your trip, as well as money tips for when you’re overseas.

We're here to help you

Frequently asked questions.

Manage your account

ASB's lending criteria and terms apply. Interest rate on cash advances currently 22.95% p.a applies. Interest rates may change. Fees apply, refer to asb.co.nz for details. Fees may change. Refer to asb.co.nz for other fees and charges. Please refer to the ASB Visa Platinum Travel Insurance Policy for full details. If you are 76 years of age or over, you are not eligible for cover under the base policy, but may be able to purchase Mature Age cover to receive travel insurance benefits. Other exclusions and limitations apply.

ASB's Credit Card Conditions of Use  and ASB Rewards Programme Terms apply. Everyday Rewards programme terms and conditions apply.

Credit Cards › ASB credit card travel insurance

Did you mean: ?

• New Zealand
• American Samoa
• Cook Islands
• New Caledonia
• Papua New Guinea
• Philippines
• Solomon Islands
• Timor Leste
• United Arab Emirates
• United Kingdom
• United States of America

Credit card travel insurance

How do I qualify for travel insurance using my credit card?

If you have an ANZ Airpoints Visa Platinum credit card, and you pay for at least half of your pre-paid travel expenses with your card you may be eligible to receive overseas travel insurance.

To check your eligibility, please visit our ANZ travel insurance website

Secure email via Internet Banking

• Send bank mail

0800 269 296

Monday to Friday, 8am - 8pm Saturday and Sunday, 8am - 6pm

• All phone numbers

Visit a branch

• Find an ANZ branch

Hmmm. Looks like your browser is a tad old and isn’t supported.

To get the best experience on Kiwibank.co.nz, please use a supported browser .

If you're getting paid or heading into a branch on ANZAC Day please check our payment information and branch hours as they may be affected. Our contact centres are closed or operating on reduced hours.

Our ATMs , mobile app , internet banking and phone banking are available 24/7.

Travel insurance with your credit card

You may be eligible for overseas travel insurance through your Air New Zealand Airpoints™ Platinum Visa.

Cover is provided by Tower Limited and managed by AWP Services New Zealand Limited trading as Allianz Partners.

Benefits at a glance

Covers up to 40 days away. If you need cover for longer call 0800 876 541 before you go away.

Cover your spouse and dependent children if they’re travelling with you.

24-hour worldwide emergency assistance.

What you’re covered for

• Medical expenses if you’re injured, have an accident or become ill
• Loss or damage to your things or travel documents
• Unforeseeable cancellations, delays and loss of deposits
• Rental vehicle excess
• Pre-existing medical conditions are not automatically covered. If you have a pre-existing medical condition, you might be able to arrange cover for an extra premium. Call 0800 845 010 to find out more.
• Selected cover for epidemic and pandemic diseases including Covid-19 * .

Terms, conditions, limits, sub-limits and exclusions apply, as stated in the Policy Wording .

How to get overseas travel insurance

Overseas travel insurance will be activated if you use an eligible credit card to pay for at least one of these things: overseas travel tickets, one or more nights of pre-paid accommodation, a pre-paid rental car, pre-paid scheduled transport ticket or a pre-paid guided tour.

You have to be a New Zealand citizen or permanent resident, be under 80 years old, be returning to New Zealand at the end of your trip, have an active Platinum Visa or Air New Zealand Platinum Visa for the duration of your trip.

Business trips are covered under some circumstances, call 0800 845 010 to find out more.

Important update to overseas travel insurance

Overseas travel insurance now includes selected cover for epidemic and pandemic diseases such as Covid-19 * . If you test positive for Covid-19 while you're away and require overseas medical care and/or if you need to change your plans, cover's in place. Selected cover for epidemic and pandemic diseases is detailed in the Supplementary Policy Wording and this is to be read in conjunction with the Policy Wording, found in the Travel Insurance for Kiwibank Credit Cards Policy Wording .

If you're a Kiwibank Platinum Visa or an Air New Zealand Airpoints Platinum Visa cardholder, you may be eligible for overseas travel insurance providing you meet the terms and conditions within the Travel Insurance for Kiwibank Credit Cards Policy Wording .

There's no cover for lockdowns, stay-at-home orders, changes in government alert levels, quarantine, or mandatory isolation that applies generally, or broadly to some or all of a population, vessel or geographical area, or that applies based on where you're travelling to, from, or through. As with any travel insurance, deciding not to travel due to fear or change of mind is not covered.

There's no cover directly or indirectly arising from or caused by you commencing your travel against the New Zealand government’s advice or against local government advice at your overseas destination. We strongly recommend you check the Safe Travel website to confirm whether your travel destination is safe.

If you already have travel insurance through your Kiwibank Credit Card, are currently overseas and need help call Allianz Partners on +64 9 486 6868 24 hours a day, seven days a week.

Find out more by calling 0800 876 541 .

How to make a claim

Please contact us as soon as you can after something goes wrong.

• Within New Zealand: call 0800 876 541 between 8.30am to 5pm, Monday to Friday.

Complete a claim form

Download and complete the online travel insurance claim form on the Tower website .

Important information

Travel Insurance for Insured Cards is underwritten by Tower Limited and managed by AWP Services New Zealand Limited trading as Allianz Partners. If you arrange your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any products provided by Tower Limited or AWP Services New Zealand Limited.

*Important terms, conditions, limits, sub-limits, and exclusions apply, and these are set out in the Travel Insurance for Kiwibank Credit Cards Policy Wording .

View information about Tower's financial strength rating and solvency margin on their website at tower.co.nz .

Kiwibank holds no responsibility for the content on third party websites and make no representations as to the accuracy of the information provided on those websites.

• Find a specialist
• Find a branch or ATM
• About Kiwibank
• Work for us
• Join Kiwibank
• Feedback & complaints
• Help & support
• Scam & fraud hub
• Remediations
• Online security
• Internet banking FAQs
• Tools & calculators
• Products we no longer offer

Interest rates & fees

• Personal banking rates & fees
• Business banking rates & fees

Ways to bank

• Personal banking
• Business banking
• Internet banking
• Phone & text banking
• Website terms of use
• Privacy policy
• Terms & conditions
• Disclosure statements
• Standard contracts
• Media releases
• Accounts for non-profit organisations
• Visa Debit Card
• Online Call
• Notice Saver
• Kids accounts
• Sending money overseas
• Receiving money from overseas
• Foreign currency accounts
• Foreign exchange rates & fees
• Moving to New Zealand
• Travelling overseas
• Automatic payments
• Bill payments
• Direct debit
• Payment times
• Mobile wallets
• Financial hardship and assistance
• Authority to operate & power of attorney
• Deceased estates
• Products no longer offered
• How to read an account number
• Compare accounts
• Airpoints™ Platinum Visa
• Airpoints™ Low Fee Visa
• Airpoints™ Visa benefits
• How credit cards work
• Activating your credit card
• How to pay your credit card
• Keeping your credit card secure
• Balance transfers
• Disputing a transaction
• Help managing your card
• Compare cards
• Apply for a credit card
• First home buyers
• Buying your next home
• Building or renovating
• Investing in property
• Buying with friends & family
• Switching to Kiwibank
• Home loan top-up
• Sustainable energy loan
• Cash contribution
• Fixed rate home loan
• Variable rate home loan
• Offset home loan
• Revolving home loan
• First home buyer calculator
• Repayments & structuring calculator
• Next home calculator
• Borrow more calculator
• Property investment calculator
• First home buyer guides
• Jargon buster
• Why interest rates change
• Inflation explained
• Loan-to-value ratios
• Debt-to-income ratio
• Prepare for increasing rates
• What is negative equity?
• Get mortgage free faster
• Making changes to your loan
• Having trouble making payments
• Housing market forecast for 2024
• Breaking a fixed term loan
• Talk to a specialist
• Term Deposits
• Fisher Funds options
• Compare investments
• Open & manage
• House Insurance benefits
• Contents Insurance benefits
• Car Insurance benefits
• Protecting what you care about
• Credit Card Travel
• Make a claim
• Understanding house sum insured
• Insurance priorities for all ages
• Review your insurance
• Keeping on top of premiums
• Talk to an insurance specialist
• Rates & fees
• How to create a budget
• Make a money plan
• How to give yourself a money check-up
• Eight steps to financial fitness
• Money and travel
• Start the money conversation with your kids
• Money lessons for kids at different ages & stages
• Starting to save
• Building an emergency fund
• The basics of investing
• Seven steps to saving for a comfortable retirement
• Getting on top of your debt
• Your borrowing options
• How credit checks work
• Tips to get through a financial rough patch
• Managing the cost of living
• Tips to reduce bank fees
• Financial abuse
• How to prepare for increasing interest rates
• Goal Tracker
• Download app
• Find branches & ATMs

• Credit Cards

Credit Card Travel Insurance: Best Deals

Posted by Bruce Pitchers March 31, 2023

If your credit card offers complimentary travel insurance, are you making the most of the cover offered? Canstar looks at the credit card travel insurance offered by leading credit card providers.

When awarding out Outstanding Value Credit Cards and Bank of the Year | Credit Cards Awards , our expert panel looks not only at cards’ interest rates, rewards and fees, but also their features.

And many premium cards come with complimentary travel insurance, which can save you hundreds of dollars if you take an overseas holiday.

So on the back of our latest awards and 5-Star Outstanding Value ratings, here’s a round-up of some of the travel insurance cover offered by major credit card providers.

NB: below are approximate values and baggage cover is on a per family basis. For exact figures, please refer to each credit card’s individual travel insurance policy.

Bank of the year | credit cards.

This year TSB is the winner of Canstar’s prestigious award for Bank of the Year | Credit Cards . It took out our top award, in part, because of the great rewards and features offered by its cards. Not only does its Platinum Mastercard offer complimentary overseas travel insurance, all TSB cards offer other insurance perks, covering price, purchase and mobile phone insurance.

TSB Platinum Mastercard Travel Insurance

Use your card to pay for at least half your pre-paid travel expenses and you and your family will receive overseas travel insurance (children under 19).

Main points of policy cover:

• Cancellation of Journey: $10,000 (including for domestic travel)
• Medical and Repatriation Expenses: Unlimited
• Emergency Dental: Unlimited
• Accidental Death or Permanent Total Disablement: $100,000
• Personal Baggage: $4000
• Rental Vehicle Excess: None

In addition, all TSB cards come with three over types of insurance cover (T&Cs apply):

Purchase protection insurance

Offers 180 days’ cover against theft or accidental damage over new personal items that you purchase with your eligible card:

• Limit per claim/per year: $675
• Excess per claim: Nil

Price protection insurance

Reimburses the price difference between the original price of an item you purchased with your card and the lower price for the exact same item as shown in a printed advertisement within 30 days of your original purchase.

• Limit per claim: $500
• Limit in any 12-month period: $1000

Mobile phone protection insurance

Provides you with cover against accidental damage or theft of your eligible mobile phone if you pay for your monthly bill or prepaid top-up using your card.

• Limit per claim: $800
• Limit in any 12-month period: $1350
• Excess per claim: $55

American Express

When you book and pay for your return trip with your Gold Rewards Card or Airpoints Platinum Card, you can take advantage of complimentary domestic and overseas travel insurance for you, your spouse and your dependent children under the age of 23. An excess of $250 can apply.

Gold Rewards Card Travel Insurance

• Cancellation of Journey: $30,000
• Medical and Repatriation Expenses: $2.5m
• Emergency Dental: $1000
• Accidental Death or Permanent Total Disablement: None
• Personal Baggage: $30,00

Airpoints Platinum Card Travel Insurance

• Accidental Death: $10,000
• Rental Vehicle Excess: $3000

NB: Amex’s Airpoints Platinum Card also comes with $500 of smartphone screen cover

Airpoints Visa Platinum Travel Insurance

Use your card to pay for at least half your pre-paid travel expenses and you and your family will receive overseas travel insurance (children under 19). An excess of $200 can apply.

• Cancellation of Journey: Unlimited
• Personal Baggage: $30,000
• Rental Vehicle Excess: $600

BNZ Advantage Visa Platinum Travel Insurance

If you are a BNZ Advantage Visa Platinum holder at the time you make payment towards pre-paid travel costs, you receive travel insurance for you and your family (children under 19) and domestic rental car excess cover.

• Personal Baggage: $20,000
• Rental Vehicle Excess: $5000

Air New Zealand Airpoints Platinum Visa

If you are a Kiwibank Air New Zealand Airpoints Platinum Visa and use your card to pay for flights, car rental or accommodation, you receive free travel insurance for you and your family (children under 19) and domestic rental car excess cover.

• Medical and Repatriation Expenses: From $100,00 to unlimited, depending on region
• Emergency Dental: $1500
• Accidental Death: $50,000
• Personal Baggage: $10,000 to $40,000 depending on region
• Rental Vehicle Excess: $2000

If you hold any of the cards listed below and use it to pay for at least $500 (or $250 if travelling only to Australia and/or a South Pacific Island) of your pre-paid travel costs, you are eligible for overseas travel insurance cover for you and your family (children under 19):

• Westpac Airpoints Platinum Mastercard : up to 35 days’ overseas travel insurance
• Westpac Airpoints World Mastercard : up to 120 days’ overseas travel insurance
• hotpoints Platinum Mastercard : overseas travel insurance for up to 35 days per round trip, with no limit to the number of trips you can take each year
• hotpoints World Mastercard : overseas travel insurance for up to 120 days per round trip, with no limit to the number of trips you can take each year
• Accidental Death: Up to $100,000

In addition, all the above Westpac cards come with purchase protection and extended warranty insurance (T&Cs apply):

Offers 90 days cover against theft or accidental damage over new personal items that you purchase with your eligible card:

• Limit per claim/per year: $3000/$125,000

Extended warranty insurance

Offers up to 12 months of extended warranty on personal items that you purchase with your eligible card.

• Limit per year: $10,000

Credit card travel insurance

If you are going to make use of your credit card’s travel insurance, there are some important points that you should keep in mind. And if you have any questions, don’t hesitate to contact your credit card/insurance provider:

• Always check your eligibility and that your insurance is in place before you travel – don’t take it for granted that you’re covered
• Check age limits: those over 75 are not automatically covered, and different providers have different rules about when children stop being covered by family insurance
• It’s vital you check that any traveller’s pre-existing medical conditions are covered, many serious ailments aren’t covered
• Check the duration of the cover, most insurance is for trips between 40-90 days. For longer periods, you might be able to pay extra to extend your cover
• Most credit card travel insurance requires you to put your travel purchases on your card, but exceptions can be made, for example if using your card to book incurs a fee. For example, you can still be eligible for ANZ’s card’s insurance cover if you pay for your trip directly from an ANZ account
• If you’ve won your trip, or been gifted it, you may still be eligible to claim your card’s complimentary travel insurance cover
• Check any excesses you might have to pay in the event of a claim

Compare Credit Cards with Canstar

If you’re interested in a new credit card, our free comparison tool covers all the major cards in the market, and includes our prestigious Star Ratings.

The comparison table below displays some of the rewards credit cards currently available on Canstar’s database for Kiwis looking to spend around $2000 per month (some may have links to providers’ websites). The products are sorted by Star Rating (highest to lowest), followed by provider name (alphabetical). Use Canstar’s credit card comparison selector to view a wider range of credit cards. Canstar may earn a fee for referrals.

Compare credit cards

About the author of this page

Enjoy reading this article?

Sign up to receive more news like this straight to your inbox.

By subscribing you agree to the Canstar Privacy Policy

Share this article

Compare credit cards, nz's best credit cards.

NZ's Best Rewards & Airpoints Credit Cards

Best Balance Transfer Credit Cards

• Canstar is an information provider and in giving you product information Canstar is not making  a recommendation or giving an opinion in relation to acquiring or disposing of a particular credit product or loan. If you decided to apply for a credit product or loan, you will deal directly with a credit provider, and not with Canstar. Rates and product information should be confirmed with the relevant credit provider. For more information, read the product disclosure statement (PDS) and Canstar’s terms of use and liability disclaimer .
• This is provided for information purposes only.  It is general in nature and has not taken into account your particular financial situation or goals so is not a personalised service. Consider whether this  information is right for you. It is recommended that you consult a financial adviser before making any financial decision.

Quick Links   

•   Overseas Trip
•   Domestic Trip
•   Frequent Traveller
•   Already Overseas
•   Comprehensive
•   Compare Plans
•   Medical Conditions
•   Ski Insurance
•   Cruise Insurance
•   Sports & Activities
•   Manage Policy
•   Policy Documents
•   Make a Claim
•   FAQs
•   About Us
•   Contact Us
•   Travel Tips & Guides
•   Travel Alerts
• Travel Insurance Resources
• Credit Card Cover

CREDIT CARD TRAVEL INSURANCE- IT'S CRUNCH TIME!

facebook twitter google email

Your credit card provides free travel insurance great now proceed with caution..

The lead up to a holiday is an exciting time, particularly when you’re heading somewhere particularly new and exotic. There’s so much to consider– what to do, where to , accommodation to book so it’s all too easy to let a detail like travel insurance fall by the wayside. The last thing you may feel like doing is getting bogged down in the nitty gritty of travel insurance. It’s a well documented fact that very few travellers truly understand all the ins and outs of their policies. It also comes as no surprise that a quarter of travellers won’t take out a policy until two days before they leave! Say what! But travel insurance needn’t be so much of a hassle. You might even be covered already as part of your credit card deal. So what is credit card travel insurance, and is it worth looking into?

FREE TRAVEL INSURANCE? WHERE DO I SIGN UP?

Hold your horses! Credit card travel insurance may be 'free'  but only ‘free’ in the sense that you don’t have to pay extra for it. Most policies are only provided with ‘top end’ cards, which will most likely come with a higher annual fee than a standard credit card.

I’VE GOT A CREDIT CARD, SO I’M AUTOMATICALLY COVERED, RIGHT?

Wrong! (Well not necessarily). Never assume that your card provides you with free cover as standard. Always check and never just assume you are automatically covered. Imagine the horror of discovering you’ll have to pay for those ludicrously high medical bills as you didn’t have travel insurance after all!

Even if you do have a card with cover included, you’re more than likely going to have to jump through a few hoops to activate it. Activating your cover usually involves paying a certain percentage of your holiday with the card and ensuring sure that you exceed the minimum spend necessary. You may begin to feel like a performing sea-lion, but at least your ‘free’ policy will be activated!

THE CREDIT CARD CRUNCH: PROS AND CONS

So you’ve got a credit card and you’ve turned all the tricks you need to activate the insurance, so are you really getting the cover you anticipated? Let’s take a look at those pros and cons of credit card insurance:

• If you already pay for a high-end card, free cover is a nice handy perk
• If you were already planning to use your credit card to pay for your holiday, you may not be too put off having to exceed the activation ‘limit’ on your card.
• Elderly travellers may find that they get a better deal as some credit card companies have fewer age limits or don’t apply age loadings.
• Credit card companies usually provide higher levels of cover in the event of cash loss or theft, which is handy if someone pinches your wallet!

Credit card cover will (usually) provide cover wherever you . Usually there are no additional costs for different regions, so you don’t have to pay extra depending on your destination.  Cons:

• You’re only covered if you pay for your holiday using your credit card – and you might be charged an annual fee on top of that.
• With many cards, the policy offered will only apply to the cardholder, not family members too, so you’ll have to buy them separate policies to ensure they are covered.
• Credit card travel insurance cover will often only cover you for shorter periods than regular travel insurance (usually around 35 days per trip). Some providers only offer up to three months’ worth of protection. 
• It is often difficult to extend your cover, unlike standard cover.
• Many policies will not cover you for pre-existing medical conditions – so make sure you read the small print so you’re not caught out.
• Excesses tends to be higher with credit card cover.
• You may not be covered for lost items, only those that are stolen or damaged
• Some activities such as extreme sports and other adventurous holiday pastimes may not be covered by your credit card policy.

CHOOSING THE RIGHT CREDIT CARD INSURANCE

Just like any other purchase it pays to shop around to find yourself a good deal. Lucky for you there are heaps of handy comparison tools to help you make your decision that little bit easier. The benefits, features, limits and exclusions will differ greatly from one card to the next, so it’s wise to pay close attention to the small print and check you’re buying adequate cover.

Questions to ask yourself include:

• Are all family members covered?
• Does the policy provide enough cover for your valuables?
• What is maximum trip length allowed?
• Which pre-existing medical conditions are excluded?
• Am I covered for business and leisure trips?
• Am I covered for domestic and international holidays?
• What do I need to do to activate cover?
• Is there a minimum spend required?

Once you have a good idea of the circumstances that may affect your cover you can then use that information to decide what type of cover is right for you. Of course, you may want to  factor in any exciting card benefits like reward loyalty schemes and frequent flyer points.

WHICH CARDS OFFER FREE COVER?

Kiwibank offer complementary cover underwritten by Tower with their MasterCard Gold or Air New Zealand Airpoints Platinum MasterCard. You must be a Kiwi resident, under 80 years of age.

Westpac Hotspots Platinum card provide complimentary cover underwritten by AIG which includes you cover for 35 day trips, minimum spends and family member restrictions apply.

BNZ Gold or Platinum Visa cardholders  get cover underwritten by Cigna for return (leisure only) international trips. You must pay at least $250-$500 on the card to activate. You can choose from 35 days or 90 days policies.

ANZ Airports Visa Platinum offers cover underwritten by AIG when you pay for at least half of your pre-paid travel expenses with your card.

ASB’s Visa Platinum with Rewards offer cover underwritten by Tower for 120 days when you pay for at least 50% of your holiday using the card.

American Express Platinum Edge offer complimentary domestic and international cover underwritten by ACE.

In summary, the term ‘free’ does not necessarily mean ‘free’. Credit cards that provide ‘complimentary’ travel insurance typically have annual fees ranging anywhere from $50 to over $500.

Having said that, if you’re a healthy, savvy traveller who takes more than two standard short trips a year, credit card travel insurance could be the winning ticket. When you compare the card’s annual fee cost with the price of standalone cover, it may well be more cost effective to choose credit card insurance. However, be mindful of the fact that in doing so, you may lose out on some important benefits and risk exposure to certain exclusions.

FURTHER READING

Annual travel insurance

Are you a frequent flyer? One policy can cover you for the next 12 months of travel.     

Make sure you're covered when swooshing down the slopes.   

We cover a range of high octane activities.

POPULAR RESOURCES

Travel insurance tips

Off-piste skiing

Travel insurance and Hurricanes

Don't let bad weather blow your trip to shreds.

STUFF WE COVER

• Domestic cover Cruises Cancellation
• Terrorism ...and way more!

Because life’s a trip

Before You Buy

Top searches, popular destinations, customer rating.

About us | Contact us | Policy Wording | Privacy

Policy Information

Visit links below to find more information

• Policy Benefits
• Pre-existing Medical Conditions
• Age Limits and Mature Age Cover
• Trip duration limits and extensions
• High Value Personal Items
• Website Terms and Conditions
• Privacy Policy

ASB Visa Platinum Travel Insurance (‘Insurance’) is subject to the terms, conditions, exclusions (for example business travel, age limitations etc.) and activation criteria contained in the policy document. You should read the Policy Wording and Schedule of Benefits considering your personal circumstances, prior to making any decision to acquire the product. The Insurance is provided to ASB Visa Platinum Rewards cardholders by AIG Insurance New Zealand Limited (‘AIG’) under an agreement with ASB. ASB does not underwrite the Insurance, is not an agent of AIG, and does not guarantee the obligations of AIG. Premiums are payable for policy extensions such as pre-existing cover, duration extension and specified items.

This portal is owned and managed by AIG for the purposes only of delivering AIG insurance services. ASB does not have access to this portal, does not collect any personal information via this portal and has no liability in relation to this portal. For more information about AIG’s privacy practices, please check AIG’s privacy statement at www.aig.co.nz/privacy-policy .

The AIG Logo is a registered trademark. Insurance products and services are provided by AIG Insurance New Zealand Limited.  

Air New Zealand Airpoints™ Platinum Visa

You'll earn 1 Airpoints Dollar™ for every:

• $115 spent on eligible purchases*
• 1 Status Point for every $200 you spend on eligible purchases*
• Your Airpoints Dollars will never expire, as long as you have a current card and you're the nominated earner

Airpoints Dollars™

• 1 Airpoints Dollar is equal to $1 when purchasing any Air New Zealand flight¹. You can also use your Airpoints Dollars for rental cars or shopping in the Airpoints Store
• If you aren't already an Airpoints™ member, we'll sign you up when your Airpoints credit card is approved

Airpoints Dollars Advance

Get access to a 200 Airpoints Dollars Advance .

Airpoints Dollars Top-Up

Buy additional Airpoints Dollars online for a fee with Airpoints Dollars Top-Up. Purchases of Airpoints Dollars are non-refundable , please double check your purchase before you confirm. Terms and conditions apply .

Built-In Travel Insurance

Built-in overseas travel insurance² for you, your spouse and your kids if they're travelling with you. Age restrictions apply.

Concierge service

Get 24-hour access to the exclusive Visa Concierge service.

Koru discounts

Each cardholder will get a Koru membership discount - no joining fee for an individual membership, plus get $145 off the standard individual annual fee.

How the extras work

Rates and fees

• 20.95% p.a. purchase interest rate. (Interest rates are subject to change)
• 20.95% p.a. cash advance interest rate. (Interest rates are subject to change)
• Up to 44 interest free days, as long as you pay off your entire balance in full every month by the due date. The interest free period does not apply to cash advances or balance transfers
• 5% or $10 minimum monthly repayments – whichever is greater
• $90 account fee every six months
• $15 fee for a joint or additional cardholder every six months
• Other fees apply
• Kiwibank lending criteria, credit limits and terms and conditions apply

View all terms, fees, policies and other key information for these cards

Eligibility

To apply for an Air New Zealand Airpoints Platinum Visa, you must be at least 18 years of age, a New Zealand resident, and have a good credit history.

Also check out

Air New Zealand Airpoints Low Fee Visa Want to pay an annual account fee of only $50, get a sharp interest rate and still earn Airpoints Dollars? This is the card for you. Find out more about the Air New Zealand Airpoints Low Fee Visa .

* Eligible purchases exclude fee or interest, balance transfers, credit card repayment insurance**, gambling chips, gambling transactions (including online gambling), money orders, travellers cheques or foreign currencies in cash, cash advances or cash withdrawals made from an ATM, or any transaction that is reversed, refunded or charged back, or Airpoints Dollars Top-Ups.

**As of 1 April 2021, customers are no longer able to apply for Credit Card Repayment Insurance policy when opening a new credit card account. 

1 An "Air New Zealand flight" means a flight that is ticketed and operated by Air New Zealand and certain airline partner codeshare flights - view the full list of Air New Zealand airline Airpoints partners . Any applicable third party taxes, levies or surcharges can't be paid for with Airpoints Dollars, unless the fare is a New Zealand domestic fare.

2 Your overseas travel insurance is arranged by Kiwibank and provided by TOWER Insurance Limited and TOWER Insurance Limited is solely responsible for any claims under the policy.

Kiwibank is the issuer of the Air New Zealand Airpoints credit cards. Airpoints terms and conditions apply .

Domestic Rental Vehicle Benefit

Domestic rental vehicle collision damage and theft excess cover, this benefit applies to platinum advantage visa cardholders only..

If you rent a vehicle within New Zealand and pay the rental cost using your Platinum Advantage Visa card, you will be covered under the Domestic Rental Vehicle Collision Damage and Theft Excess Cover policy. This policy covers the excess you become legally liable to pay in the event your rental car is damaged or stolen during the rental period . A maximum rental period of 31 days applies.

For full details of the terms, conditions, exclusions and eligibility criteria please refer to your policy wording .

This benefit is not included with Business Advantage cards.

You can download a claim form below. Completed claim forms can be sent to [email protected]

Policy definitions

The following definitions are used for domestic rental vehicle cover and are different from definitions used for the equivalent overseas travel insurance benefit.

Rental Vehicle - means a motor vehicle rented or hired by you under a rental agreement from a recognised motor vehicle rental company within New Zealand and is intended for the carriage of passengers.  This would include, but is not limited to, cars, SUV’s, vans and campervans.

Special Type Rental Vehicles are excluded.  These include any vehicle designed for carrying freight, trailers, motorcycles, mopeds, modified or improved vehicle, all terrain vehicles or quadbikes, any vehicle with less than or more than four (4) wheels, and/or vehicle equipped with a lifting apparatus, except if designed for a disabled driver. 

• AIG Domestic Rental Vehicle Excess Insurance Claim Form 1.7MB pdf
• Terms and Conditions
• Privacy Policy

BNZ Advantage Visa Platinum Credit Card Travel Insurance and BNZ Advantage Visa Business Credit Card Travel Insurance (‘Insurance’) is subject to the terms, conditions, exclusions (for example business travel, age limitations etc.) and eligibility criteria contained in the policy document. You should read the policy document to make sure that the Insurance meets your needs. The Insurance is provided to Platinum Advantage and Business Advantage cardholders by AIG Insurance New Zealand Limited (‘AIG’) under an agreement with BNZ. BNZ does not underwrite the Insurance, is not an agent of AIG, and does not guarantee the obligations of AIG. Premiums are payable for policy extensions such as pre-existing cover, duration extension and specified items.

This portal is owned and managed by AIG for the purposes only of delivering AIG insurance services. BNZ does not have access to this portal, does not collect any personal information via this portal and has no liability in relation to this portal. For more information about AIG’s privacy practices, please check AIG’s privacy statement at www.aig.co.nz/privacy-policy .

The AIG Logo is a registered trademark. Insurance products and services are provided by AIG Insurance New Zealand Limited. Terms, conditions and exclusions apply. You should read the Policy Wording and Schedule of Benefits considering your personal circumstances, prior to making any decision to acquire the product.