Travel insurance

BNZ offers travel insurance for you and accompanying spouse and dependent children, if you have a current BNZ Advantage Visa Platinum or Advantage Visa Business credit card.

Visit the BNZ travel website for a full list of benefits and to check your cover.

Check your cover

Key travel insurance cover benefits

Epidemic, pandemic, and overseas medical expenses

Some cover is provided for cancellation or medical expenses if you or your accompanying relatives are diagnosed with COVID-19.

More about COVID-19 cover

Cancellations, delays & missed connections

Cover is available in the event that you have to cancel your trip before you leave (including travel agent cancellation fees) or if you experience travel delays or interruptions while you’re away.

Luggage and personal items

Cover for luggage (including emergency replacement), personal effects, and travel documents. If you’re travelling with valuables, like laptops or cameras, you can purchase an extension to cover items up to a maximum of $10,000.

Overseas rental car excess

You’ll be covered for the excess you become legally liable to pay in the event your rental car is damaged or stolen during the rental period.

Domestic rental car excess

Advantage Visa Platinum cardholders only

If you rent a vehicle within New Zealand and pay the rental cost using your BNZ Advantage Visa Platinum card, you’ll be covered for the excess you are 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.

Additional cover options

Pre-existing medical conditions

Pre-existing medical conditions aren’t covered, but you can apply for cover. You’ll need to answer some screening questions about your specific conditions.

More on pre-existing medical conditions

Travellers aged 75-90

There are limitations for travellers over the age of 75. Travellers aged 75-89 can apply to remove these limitations. There is no automatic cover for travellers aged 90 or over, but you can apply for cover.

More about mature traveller medical cover

Trip limits

The maximum duration of cover for Advantage Visa Platinum cardholders is 90 days (round trip), or for Advantage Business cardholders 35 days (round trip).  You can purchase trip extension for a trip of up to 180 days (round trip).

More about trip duration limits

Making a claim

It’s important to keep receipts, bank statements, emails or other proof of your eligibility for travel insurance. If you make a claim, we’ll need to see these original documents.

The AIG claims team is available 24/7 online. If you make a claim through the online claims portal, the team will:

  • acknowledge your claim by email within 24 hours of receiving your electronic claim
  • assign a Claims Examiner to assess your claim
  • pay a covered claim within ten working days of receiving your claims form and supporting documentation
  • ensure a decision maker is available to respond on an ‘as needed’ basis.

You can also make a claim by downloading and completing a claim form, and posting or emailing it to our team.

More about making a claim

Financial strength rating

This insurance is underwritten by AIG Insurance New Zealand Limited, which has an A (Strong) financial strength rating given by Standard & Poor’s (Australia) Pty Ltd. A full description of the rating scale is available on Standard & Poor’s website.

The rating scale is: AAA Extremely Strong | AA Very Strong | A Strong | BBB Good | BB Marginal | B Weak | CCC Very Weak | CC Extremely Weak | R Regulatory Action | SD Selective Default | D Default | NR Not Rated 

Help and support

Contact the BNZ travel team at AIG with any queries. Call 0800 269 872 and choose option 1.

You’ll need to submit a completed form and documentation for all claims. Find out more

Small Print

BNZ Advantage Visa Platinum and Business card insurances are provided by AIG.  See the public notice detailing the travel insurance provider switch from Cigna to AIG on 1 December 2021.

  1. BNZ Advantage Visa Platinum – Credit Card Insurances (PDF 245KB) (‘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 Advantage Visa Platinum cardholders by AIG Insurance New Zealand Limited(‘Insurer’) under an agreement with BNZ. BNZ does not underwrite the Insurance, is not an agent of the Insurer, and does not guarantee the obligations of the Insurer. Premiums are payable for policy extensions such as pre-existing cover, duration extension and specified items.

  2. 35 Day Business International Travel Insurance ('Insurance') is subject to the terms, conditions, exclusions (for example age limitations etc.) and activation requirements contained in the policy document. Read the policy document PDF 203KB to make sure that the Insurance meets your needs. The Insurance is provided to BNZ Advantage Business cardholders by AIG Insurance New Zealand Limited ('Insurer') under an agreement with BNZ. BNZ does not underwrite the Insurance, is not an agent of the Insurer, and does not guarantee the obligations of the Insurer. Premiums are payable for policy extensions such as pre-existing cover, duration extension and specified items. Visit the BNZ travel website to check your cover eligibility.

The travel insurance portal and online claims portal is owned and managed by AIG for the purposes only of delivering AIG Insurance services. BNZ does not have access to the portal, does not collect any personal information via the portal and has no liability in relation to this portal. By providing your personal information to AIG, and/or by proceeding to submit your claim with AIG – you agree with this statement, and consent to the collection and processing of your personal information as described in AIG’s Privacy Policy statement at www.aig.co.nz/privacy-policy.