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Yes, complete an activation questionnaire and we will verify your eligibility. You will be able to print a copy of the outcome of your assessment, or if you provide your details at the end of the questionnaire, we will email you with confirmation of your cover.
No. There is no requirement to call us to advise when you are travelling. You will be covered, subject to normal policy terms, conditions and exclusions, when you have met the activation requirements of the policy, but you should make sure you have met these requirements before relying on this policy for your cover.
If you want to check that you have met the eligibility or activation requirements and get extra peace of mind once you have your trip planned, or if you need confirmation documents for any reason, go to the Activation Questionnaire and enter your trip details.
Yes, age limits apply. In particular, there is no cover under any part of the policy if you are 76 years, or older, at the date of departure from New Zealand. For information about age limits and mature age cover, please click here.
No. To be eligible for cover while you are overseas you must hold a return travel ticket for your travel before you depart New Zealand.
If you have met the policy Activation requirements (e.g. paying $500 or more towards your pre-paid deposits using your ASB Visa Platinum Rewards credit card) but you have not completed your travel plans by purchasing return travel tickets, your pre-paid deposits may still be covered under Benefit B1 Cover before you depart New Zealand.
Yes, if you hold stand-by tickets for your return travel at the time you depart New Zealand, then you will be considered by us as having satisfied the return ticket requirement.
Please note that there is no cover for any costs or losses arising from any itinerary changes arising directly or indirectly from your holding a stand-by ticket as changes to your travel dates would be considered foreseeable.
No, if you are travelling for more than 90 days, you will not be covered for any part of your trip (unless you have purchased a Trip Duration Extension prior to departing New Zealand.
For information about Trip Duration limits and duration extensions, please click here.
No, the ASB Visa Platinum Rewards Travel Insurance Policy only covers overseas trips.
If you have a cruise that will include both overseas and domestic port stops click here for more information.
Your policy number is the first 6 digits of your individual credit card number.
If you have completed the online Activation Questionnaire and we have sent you a certificate confirming cover, that will also include a unique policy reference.
You can reference either your unique certificate reference, or the first 6 digits of your card as a policy number.
An excess of $200 is applicable to each and every claim arising from the same event under each of the following sections:
Benefit A. Medical and evacuation expenses;
Benefit B. Travel cancellation and additional expenses.
Benefit C. Luggage, personal belongings and travel documents.
Only one excess applies if a single event results in a claim against more than one benefit (such as medical and cancellation).
If you claim for two or more separate unrelated claim events two excesses will apply.
For a single event, only one excess will apply, even if the claim is for more than one person.
Dependent Child(ren):
means each person who:
1) Is your natural, step, or legally adopted child; and
2) Is unmarried and not living in a relationship equivalent to marriage; and
a) Is under the age of 19 years at the date of departure for a covered trip; or
b) Is under the age of 25 and is a full-time student who is currently enrolled, or is enrolled in the next academic term or semester, and who is primarily dependent on the platinum cardholder for maintenance and support.
To be covered under this policy, a dependent child must be accompanying the cardholder on a covered trip.
Accompanying requires departing and returning with the cardholder and generally travelling together on the same trip. This allows for differences in itineraries of the lesser of five nights or 20% of the covered trip.
Spouse means your spouse or de facto partner with whom you have continuously cohabited for a period of three (3) consecutive months or more immediately preceding the commencement of a covered trip.
To be covered under this policy, a spouse must be accompanying the cardholder on a covered trip, or a cardholder in their own right.
Accompanying requires departing and returning with the cardholder and generally travelling together on the same trip. This allows for differences in itineraries of the lesser of five nights or 20% of the covered trip.
The policy only covers accompanying spouses and or dependent children.
Accompanying means a spouse and/or dependent children travelling together with the platinum cardholder on a covered trip and generally on the same itinerary. This means departing and returning with the platinum cardholder but allowing for a difference in itineraries of the lesser of five nights or 20% of the covered trip.
If your spouse or dependent child is not accompanying you they will not be covered.
If your spouse is a joint or additional cardholder, they can be covered in their own right as long as they meet the normal cardholder activation criteria.
The policy only covers accompanying spouses and or dependent children.
Accompanying means a spouse and/or dependent children travelling together with the platinum cardholder on a covered trip and generally on the same itinerary. This means departing and returning with the platinum cardholder but allowing for a difference in itineraries of the lessor of than five nights or 20% of the covered trip.
If your spouse or dependent child is not accompanying you they will not be covered.
If your spouse is a joint and/or additional cardholder, they can be covered in their own right as long as they meet the normal cardholder activation criteria.
No. This insurance is available only to you and your spouse and dependent children as defined in the policy. If members of your travelling party do not meet the definition of spouse and/or dependent children, they cannot be covered under the policy.
Yes, medical emergencies can happen overseas. ASB Visa Platinum Rewards Travel Insurance provides cover for medical expenses, including; treatment costs, ambulance fees, and where appropriate, medical evacuation back to New Zealand. Changes to your itinerary required by illness or injury can also be covered. Check the policy wording for full details.
There are some limitations on medical cover, including that there is no automatic cover for any event that is caused by or arises because of any pre-existing medical condition - including a pre-existing medical condition of yours or someone else on whom your travel relies.
To apply to cover pre-existing medical conditions of you, and/or your accompanying spouse, and/or your accompanying dependent children, (you cannot apply to cover the pre-existing medical conditions of anyone else) complete the activation questionnaire.
Pain relief for sudden and acute dental pain to sound and natural teeth is included (refer to benefit A2. Extra medical cover, 1. Dental Pain relief for details).
There is no cover for routine dental healthcare, cosmetic treatment, or restorative treatment such as crowns or fillings.
No, there is no automatic cover for any event that is caused by or arises because of any pre-existing medical condition - including a pre-existing medical condition of yours or someone else on whom your travel relies.
To apply to cover pre-existing medical conditions of you, and/or your accompanying spouse, and/or your accompanying dependent children, (you cannot apply to cover the pre-existing medical conditions of anyone else) complete the activation questionnaire.
If we accept your application for cover of your pre-existing medical conditions, a premium will be payable.
Unforeseeable medical events related to pregnancy that occur before the 24th week of gestation may be covered.
There is no cover for routine pre-natal care for pregnancy (at any stage of a pregnancy), and, from the time you are more than 23 weeks and 6 days pregnant there is no cover for:
Childbirth;
Any neo-natal care; or
Maternity care of the mother.
Benefit D: Overseas rental vehicle hire provides cover for the excess or deductible that you become legally liable to pay, following damage to or theft of a rental vehicle.
The policy does not cover the vehicle itself (only the excess or deductible), or any third-party liability, so you need to ensure that the rental agreement includes protection, either under an insurance policy or similar arrangement.
This benefit does not cover vehicles borrowed from friends or family.
Rental Vehicle means a passenger-class four-wheeled motor vehicle rented or hired by you from a licensed car rental agency, which is designed to carry no more than 8 passengers, including the driver, and is not for the carriage of commercial goods.
Cruise cover is no longer automatic.
Cruises are only covered if you have purchased cruise add-on cover using the Activation Questionnaire. This is important. If your trip includes a cruise and you have not applied for and paid for cruise cover, your entire trip will not be covered under your travel insurance policy. For more information click here.
A Cruise is defined as:
Travelling as a passenger for two or more nights, inclusive of port stops and cruise excursions, aboard a commercially registered cruise ship which during your trip:
a) Visits at least one Overseas port; and
b) Sails on any of a river, in a harbour, on an ocean or at sea.
If your cruise meets the above definition, but you do not arrange cruise cover, your overseas itinerary will not be covered as a whole. Click here for more information.
Enter your trip details into the Activation Questionnaire and simply tick the box for cruising.
You will need to let us know the total cost of your cruise (including any options such as pre-paid meal packages and/or shore excursions) as we use the total value of deposits you pay the cruise line to calculate the premium that will apply.
For more information on what to include in the cost of your cruise click here.
We require all travellers to complete their insurance arrangements before leaving New Zealand. If you weren’t able to do so (or if you didn’t know you were going to be taking a cruise) please call Travel Guard 24/7 on +64 4 916 6312.
In some circumstances, we might be able to add this option for you, but we do not guarantee approval.
If you are taking a cruise but you choose not to arrange cruise cover, then there is no cover for any part of your trip.
We recognise that short cruises do not have the same risk as longer cruises, and they are usually less expensive. This is why we ask for the cost of the cruise and charge a lower premium for cheaper cruises.
Yes, business or work-related travel can be covered, however manual labour is not covered.
Manual labour means your active personal participation in work which involves physical labour or manual operation, including but not limited to:
Outside building or installation work performed three or more metres above the ground, underground work, mining work, military duties, offshore work, manual agricultural labour or construction work;
Work that involves heavy machinery, explosives or hazardous materials;
Work as a diver, lifeguard, taxi driver, bus driver, or other commercial vehicle or heavy vehicle driver, dispatch rider or delivery person;
Work of a manual nature that involves specialist equipment and training, or work that presents risk of serious injury including but not limited to oil riggers, fishermen, crane operators or welders; or
Work as a bar, restaurant or hotel staff, or work as musicians and singers, or fruit pickers if the fruit pickers are operating machinery.
Yes, Snow sports within marked commercial ski field boundaries are covered.
Hazardous sports however are not covered, and this includes snow sport activities outside ski area boundaries, in closed or out of bounds areas, and any racing or competitive snow sports activities.
No, competition sports (including training) are not covered.
Organised sanctioned competitions for primary or secondary school age students are covered (subject to normal policy terms) unless the activity in question is separately listed as a hazardous activity.
Most normal tourist activities that are provided, guided, or supervised by a local licensed commercial operator can be covered, however the policy does not cover hazardous activities .
Please refer to the policy wording for a full description of what are considered to be hazardous activities.
Sailing outside territorial waters is not covered.
Coastal yachting or sailing (excluding racing) is covered, subject to normal safety precautions being followed (such as vessel safety checks, use of normal safety equipment, and supervision from suitably qualified and experienced skipper).
Luggage and personal effects are subject to a per item limit of $3,000 (or $6,000 for laptops and associated accessories). You can specify items over that amount (to a maximum of $10,000 for any one item or set) for an additional premium.
This specified item extension will only increase the limit any one item, not the policy limit under Benefit C. Luggage, personal belongings and travel documents
If you would like to specify an item(s), go to the activation questionnaire and add cover for high value personal items.
In the event of a claim, you must provide a current valuation of the item (not older than 12 months) or a receipt showing the purchase price. If you cannot produce either of these we will not cover more than the non-specified item per item limit, which is $3,000.
If you are aware that you may have to cancel a planned trip the Policy conditions require you to minimise the total cost of cancellation. For instance, you should also cease paying any further pre-paid travel costs that may not be refundable.
Other things you should do include the following :
As soon as possible after the event causing your claim you must:
a) Recover any refund you are entitled to; and
b) Cancel any other travel or accommodation arrangements that depend on any cancelled arrangements and that you are now unable to use.
In circumstances where you are likely to incur substantial unexpected expenses, you or someone on your behalf must call Travel Guard as soon as possible on +64 4 916 6312 or email us at asbassistance@travelguard.com.
If your public transport has been disrupted, you need to obtain documentation from the carrier which states the details of the disruption. This may include the cause of and length of a travel delay, or the reason a service was cancelled or rescheduled.
Benefit E2 Scheduled Transport Accident provides a lump sum payment if you suffer death or permanent loss of use of two or more limbs because of an accident while you are travelling on or in a scheduled transport, including boarding and alighting, during a covered trip.
To be covered under E2 Scheduled Transport Accident, you must have paid the full value of the scheduled transport ticket using your platinum card.
Scheduled Transport means commercial public transport that is by aircraft, bus, or train which carries fare-paying passengers on regular and set routes at published rates. Scheduled transport does not mean or include any of the following: any sea-going vessel or cruise, rideshare services, or any air charter.
No. While you will not be eligible for the Scheduled Transport Accident benefit you can still be covered under your overseas travel insurance policy for all other benefits - including Benefit E1 Death or Permanent Disablement - provided you have met the normal policy eligibility and activation requirements for the trip.
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 Zurich Australian Insurance Limited, incorporated in Australia, ACN 000 296 640, trading as Zurich New Zealand (‘Zurich New Zealand’) under an agreement with ASB. ASB does not underwrite the Insurance, is not an agent of Zurich New Zealand, and does not guarantee the obligations of Zurich New Zealand. Premiums are payable for policy extensions such as pre-existing medical conditions, cruises, duration extension and specified items.
