Travel insurance

International travel insurance is available as a card benefit if you have a current BNZ Advantage Visa Platinum or Advantage Visa Business credit card. This is a benefit for you and accompanying spouse and dependent children.

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

Check your cover

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Travel insurance changes

We’ve worked with AIG, our travel insurance provider to make changes to the travel insurance BNZ Advantage credit cardholders receive as a card benefit. Some cover that used to be automatic is now optional and is available to add-on. This includes Cruise Cover^ and Snow Sports Cover. These changes could impact cover for your overseas travel, particularly if any part of your trip includes a cruise of 2 or more nights. If you have travel booked or planned that departs New Zealand on or after 3 February 2026, check your travel insurance policy. Add on any additional cover before departure at bnztravel.co.nz.

Key international travel insurance cover benefits

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.

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.

Emergency travel assistance

If you have a medical emergency while overseas, you can contact AIG Travel Assistance 24/7 from anywhere in the world, on +64 (9) 359 1687. Call costs are claimable as part of an eligible insurance claim.

You can also download the AIG Travel Assistance app to connect directly with AIG in an emergency.

More about emergency travel assistance

Additional cover options

Some cover that used to be automatic is now optional. If you have travel booked or planned, check your travel insurance policy and add on any additional cover at www.bnztravel.co.nz before leaving New Zealand.

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.

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

If your trip is longer than 90 days round trip (Advantage Visa Platinum cardholders) or 35 days round trip (Advantage Business cardholders), you have no cover for any part of your trip. If it's longer, you can purchase trip extension cover for trips 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.

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.

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