Does Travel Insurance Cover Terrorism?
Find out how we could help if you're caught up in a terror attack.
For information relating to policies purchased prior to 05 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 05 May 2022 please see below.
This information is for New Zealand residents.
There's a lot of media around this, and there's a lot of allure in danger too. When everyone is saying something different about the risks of travel, it's hard to get a clear picture of what's going on. It also raises lots of questions about how insurance works.
What can travel insurance cover if there's a terror attack?
If the event is unforeseen – which by their very nature terrorist attacks almost all are, you could be covered for:
- Hospitalisation
- Out-patient treatment
- Prescribed medicines
- Medical transportation to bring you home
In addition, we also have 24/7 Emergency Assistance Teams who can assist you – keeping you informed, putting you in contact with consular officials, arranging medical care, and getting in touch with your family for you.
What’s not covered by travel insurance if there's a terror attack?
Travel insurance isn’t designed to cover everything. We often see claims for terrorism that we have to decline because the New Zealand plans excludes them:
- Cancellation
- Trip interruption expenses
- Changing your mind to travel
- Buying a policy AFTER the event happens
- If the New Zealand government says a destination is "Do not travel" and you still travel there
Also, we don't cover anything that happens because you made jokes about terrorism or bombs while standing in an airport security screening area or other high security environment. Those people do not have a sense of humour, and you won't be laughing when they reach for the latex gloves.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
How to get help if you're hurt in a terror attack
It’s essential that you get in contact with our 24/7 Emergency Assistance Team as soon as possible so that our team can support you from the time you fall sick or get injured until the time you get home.
So that our 24/7 Emergency Assistance Team can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Protect your trip from unexpected cancellation.
- Explorer Plan: Unlimited
- Standard Plan: $5,000
Trip Protection
- Have you died?
- Has one of your relos died?
- Has an earthquake damaged your home?
We’ve got your back.
Emergency Medical Overseas
Take the pain out of medical costs.
- Explorer Plan: Unlimited
- Standard Plan: $5,000,000
Emergency Medical Insurance
- Need medicine?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transport
We'll get you to hospital in a flash
- Explorer Plan: Unlimited
- Standard Plan: $500,000
Evacuation and Repatriation
- Banged up abroad?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Cover your stolen or damaged gear and tech.
- Explorer Plan: $10,000
- Standard Plan: $2,000
Protect your gear
- Damaged docs?
- Passport pilfered?
- Tech trashed?
Help starts here.
- Overseas Medical Expenses
- Emergency dental treatment
- 24 hour assistance
- Emergency medical transport & repatriation
- Cancellation costs
- Trip interruption costs
- Compassionate emergency visit home
- Resumption of trip
- Theft or accidental damage to baggage and personal items
- Baggage delay over 12 hours
- Funeral expenses overseas or repatriation of remains
- Personal liability
24/7 emergency assistance
If you need medical assistance or emergency medical evacuation our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
From New Zealand & Overseas:
+61 2 8263 0470 or
+61 2 8292 1470
(reverse charges via an operator from anywhere in the world)
Within Australia (Free call): 1800 611 210
FAQ
Here are our most frequently asked questions about cover for Terrorism. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
-
Am I covered if I need to cancel my plans as a result of terrorism?
There's no cover in the New Zealand policies for cancellation as a result of terrorism.
-
Can you refund the rest of my policy because I’ve returned home early?
No. If you’ve traveled on your policy, there are no partial refunds.
-
What if I have to leave my baggage behind?
To get coverage, we would need you to report your bags missing and get written documentation from the relevant authorities.
Before your trip, check the latest government advice for any travel alerts for your destination.