Claims

How to make a travel insurance claim

We’re here to help you when you face a loss. We have two options for submitting travel insurance claims.

Supporting Documentation

Along with a claim form, you will need to provide supporting documentation.

In all cases, you will need to provide evidence relating to how you met the policy eligibility criteria prior to departure, including a copy of your itinerary showing prepaid return tickets and a credit card statement showing that you paid $500 or more of your return travel tickets using your card*.

In addition to evidence supporting your eligibility for and activation of cover you will also need to supply information relating to the claim itself.

  • For baggage claims include receipts or other proof of ownership, and police reports or other documentation demonstrating that you reported the loss to the authorities.

  • For medical claims include details of the accident or injury and costs you have incurred. We may also require supporting evidence from your normal doctor or general practitioner in New Zealand showing the claim is not related to a pre-existing medical condition.

  • For cancellation claims include confirmation from your airline or other provider that your bookings were cancelled and if a refund, partial or otherwise, was provided.

Feel free to include any additional information that you feel is relevant to your case. If the claim form has insufficient space, you may attach a cover letter.

*You can also activate cover by taking a cash advance of $500 or more from your card account on the same day as you use funds from any other ASB account to pay for your pre-paid deposits, or by redeeming your True Rewards dollars, or by winning your overseas travel tickets in a prize draw

NoteThe Travel Guard companies – part of the Zurich Insurance Group – provide services in support of this insurance including claims on behalf of Zurich Australian Insurance Limited, trading as Zurich New Zealand.

Our Claims Team

Our claims team is committed to providing fast and efficient settlement of your claim. We aim to:

  • Register your claim within one business day of receipt.

  • Assign a Claims Examiner to assess your claim.

  • Acknowledge your claim by e-mail within five business days of receiving your electronic claim lodgement.

  • Make a determination on your claim within 10 business days of receiving all information we need to determine your claim. If we can’t meet this timeframe – for example, because the claim is complex or depends on getting information from a third-party – we’ll tell you why, let you know how long we expect it will take to make a decision on your claim and keep you informed at least once every 20 business days, or another time internal we may agree with you, until your claim is resolved.

  • Ensure a decision maker is available to respond on as needed basis.

Fair Insurance Code

We are a member of the Insurance Council of NZ and adhere to the Fair Insurance Code, which provides you with assurance that we have high standards of service for our customers. Please visit https://www.icnz.org.nz/individuals/about-the-code/ for more information. 

Feedback and Complaints

We strive to provide a high standard of service at all times. If you have a concern or complaint, we want to hear from you so that we have the opportunity to make it right.

Information about our complaints process

You can contact Zurich Australian Insurance Limited ACN 000 296 640 (“Zurich New Zealand”), in the following ways if you wish to make a complaint about a Zurich New Zealand product or service you have received:

Call: 0508 987 424 (New Zealand only) or +64 9 928 8000 (Overseas)

Email: nz.claims@zurich.co.nz

Mail: Zurich New Zealand, PO Box 497 Shortland Street, Auckland 1140.

Zurich New Zealand will acknowledge receipt of your complaint within 5 business days of receiving your complaint. They will respond to your complaint within 10 business days of the date they have all the information needed to determine your complaint. If they have to do more work or ask for more information, they may agree a reasonable timeframe with you. Zurich New Zealand will update you at least once every 20 business days, or another time interval they may agree with you, until your complaint is resolved.

You may ask to have the matter considered under their internal dispute resolution process - please contact Zurich New Zealand for more information. Zurich New Zealand may use a service provider to manage some complaints and/or internal dispute resolution process.

Zurich New Zealand expects their internal dispute resolution process will deal fairly and promptly with your complaint. However, if you disagree with their final decision as part of their dispute resolution process and in accordance with the Fair Insurance Code, you may be able to refer the dispute to the Insurance & Financial Services Ombudsman (“IFSO”). Zurich New Zealand is member of this free, independent dispute resolution scheme.

IFSO’s contact details are:

Call: 0800 888 202 or +64 (04) 499 7612

Email: info@ifso.nz

In writing: Insurance & Financial Services Ombudsman Scheme,

PO Box 10-845

Wellington 6143

New Zealand

Website: www.ifso.nz

If you need extra support

If you need help lodging your complaint, for example due to illness, disability or English as a second language, please contact Zurich New Zealand so they can provide the necessary support to help you manage your complaint. You can find more information on their website.