bnz platinum visa travel insurance brochure

Age Limits and Mature Traveller Medical Cover

There is no cover under this policy for travelers aged 90 years or older at the date they are scheduled to depart on their trip.

There are also limitations for cover provided to travelers aged 75-89 years at the date they are scheduled to depart on their trip, specifically:

• Benefit Section A. Travel Cancellation before your journey starts: Cover is limited to $5,000 per person.
• Benefit Section B. Travel Cancellation after your journey starts: Cover is limited to $5,000 per person.
• Benefit Section H (3). Accidental death and disablement common carrier: Cover is limited to $100,000 and the benefit only applies where the common carrier is a passenger aircraft.
• Benefit Section C. Overseas medical expenses,
• Benefit Section H (8). Loss of income,
• Benefit Section L. Epidemics and pandemics

Cover you can purchase for Mature Travellers

Travellers  aged 75 years and older (including over age 90) can apply to remove some age limitations described above and any extension of cover in this context is referred to as Mature Traveler  cover. This type of cover can only be purchased prior to your departure from New Zealand.

If you are aged between 75 and 89 years (inclusive), you can apply to remove the age limits applicable to:

• Benefit Section A. Travel Cancellation before your journey starts,
• Benefit Section B. Travel Cancellation after your journey starts,
• Benefit Section L. Epidemics and pandemics.

If you are 75 to 89 years of age and you choose not to purchase mature age cover you will still be covered for benefits other than those listed above however this site will not produce a confirmation of cover letter. If you require confirmation of non-medical benefits, please call us on 0800 269 872 .

If you are aged 90 years and older , you can apply for cover under all benefits stated in the policy except Benefit Section H. Accident lump sum benefits and loss of income

• Terms and Conditions
• Privacy Policy

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

This portal is owned and managed by AIG for the purposes only of delivering AIG insurance services. BNZ does not have access to this portal, does not collect any personal information via this portal and has no liability in relation to this portal. For more information about AIG’s privacy practices, please check AIG’s privacy statement at www.aig.co.nz/privacy-policy .

The AIG Logo is a registered trademark. Insurance products and services are provided by AIG Insurance New Zealand Limited. Terms, conditions and exclusions apply. You should read the Policy Wording and Schedule of Benefits considering your personal circumstances, prior to making any decision to acquire the product.

BNZ Advantage Visa Platinum Credit Card

• Earn 1 Flybuys point per $15 spent or 1.6 BNZ Points per $1 spent. Eligible purchases only.
• 18.95% p.a. interest rate on cash advances and purchases.
• Comes with complimentary travel insurance.
• Up to 55 interest-free days on purchases.

Pros and cons

• Earn rewards points or cashback on eligible purchases.
• BNZ Points can be transferred to a range of airline and hotel partner programs.
• Includes international and domestic travel insurance, rental vehicle excess insurance, and emergency travel assistance.
• Access to the concierge service.
• Supports Apple Pay and Google Pay digital wallets.
• No sign up bonus points on offer.
• Airpoints is not a transfer partner.

Convenience

Customer service, rates and fees.

• Additional cardholders . You can add an additional cardholder to your BNZ Advantage Visa Platinum Credit Card for a fee of $20 per card per year. The primary cardholder will be responsible for all account activity and payments. BNZ Points will accrue under the primary cardholder's account.
• Digital wallets. This card is compatible with Apple Pay and Google Pay.
• Gambling transactions. Gambling-related transactions are allowed but classified as cash advances.

Rewards and benefits

• Complimentary travel insurance. The BNZ Advantage Visa Platinum Credit Card comes with complimentary international travel insurance coverage for up to 90 days.
• Concierge services. Comes with access to a 24/7 concierge service for help with arranging travel bookings, making reservations, organising excursions, finding the best prices, and more.
• Insurances. This card offers fraud protection, emergency travel assistance, and domestic rental vehicle excess insurance. There are no other insurance benefits.
• Rewards points. Earn either Flubuys or BNZ Points on eligible spending. Earn rates are 1 Flybuys points per $15 spent or 1.6 BNZ points per $1 spent. Spending $90 gets you BNZ points equivalent to $1 cashback. Balance transfers and cash advances are not eligible transactions for earning points. BNZ Points can be transferred to British Airways Executive Club, Emirates Skywards, Etihad Guest, Flybuys, Qantas Frequent Flyer, Qatar Privilege Club, and United MileagePlus. They can also be transferred to Accor Live Limitless, IHG One Rewards, and Wyndham Rewards. Having a range of transfer partners like this makes it much easier to maximise the redemption value by booking expensive flights and upgrades.
• Sign up bonus. BNZ does not offer any sign up bonus for new customers.
• Annual fee. The ongoing annual fee is $90 p.a. This fee is payable in two instalments over the year.
• Balance transfers. This credit card currently has no balance transfer offer.
• Cash advances. It's 18.95% p.a. on any cash advances made, with interest accruing immediately from the day of the transaction. In addition to interest, there is a one-off cash advance fee.
• Foreign exchange fee. Purchases made online or overseas in a foreign currency will incur a 2.25% fee.
• Interest-free period. You can get up to 55 days interest-free on your purchases (except cash advances) when you pay the account balance in full by the due date or make the minimum required payments.
• Purchases. Unfortunately, there is no introductory offer on purchases. The ongoing rate for purchases is 18.95% p.a. This is slightly lower than the typical rewards card.

Reviewed by Nilooka Dissanayake

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Some of the products and services listed on our website are from partners who compensate us. This may influence which products we compare and the pages they are listed on. Partners have no influence over our editorial staff.

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Disclaimer: You need to be logged in to claim Finty Rewards. If you proceed without logging in, you will not be able to claim Finty Rewards at a later time. In order for your rewards to be paid, you must submit your claim within 45 days. Please refer to our T&Cs for more information.

PremierCare Vehicle, Home or Contents claim approvals

Once you’ve lodged your claim, our claims team will review all the information as quickly as possible and contact you within two business days.

If approved, the team will organise for the damages to be repaired and items to be replaced. If your policy requires you to pay an excess, they’ll typically ask you to pay the excess directly to the agreed repairer or supplier.

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• Credit Card Cover

CREDIT CARD TRAVEL INSURANCE- IT'S CRUNCH TIME!

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Your credit card provides free travel insurance great now proceed with caution..

The lead up to a holiday is an exciting time, particularly when you’re heading somewhere particularly new and exotic. There’s so much to consider– what to do, where to , accommodation to book so it’s all too easy to let a detail like travel insurance fall by the wayside. The last thing you may feel like doing is getting bogged down in the nitty gritty of travel insurance. It’s a well documented fact that very few travellers truly understand all the ins and outs of their policies. It also comes as no surprise that a quarter of travellers won’t take out a policy until two days before they leave! Say what! But travel insurance needn’t be so much of a hassle. You might even be covered already as part of your credit card deal. So what is credit card travel insurance, and is it worth looking into?

FREE TRAVEL INSURANCE? WHERE DO I SIGN UP?

Hold your horses! Credit card travel insurance may be 'free'  but only ‘free’ in the sense that you don’t have to pay extra for it. Most policies are only provided with ‘top end’ cards, which will most likely come with a higher annual fee than a standard credit card.

I’VE GOT A CREDIT CARD, SO I’M AUTOMATICALLY COVERED, RIGHT?

Wrong! (Well not necessarily). Never assume that your card provides you with free cover as standard. Always check and never just assume you are automatically covered. Imagine the horror of discovering you’ll have to pay for those ludicrously high medical bills as you didn’t have travel insurance after all!

Even if you do have a card with cover included, you’re more than likely going to have to jump through a few hoops to activate it. Activating your cover usually involves paying a certain percentage of your holiday with the card and ensuring sure that you exceed the minimum spend necessary. You may begin to feel like a performing sea-lion, but at least your ‘free’ policy will be activated!

THE CREDIT CARD CRUNCH: PROS AND CONS

So you’ve got a credit card and you’ve turned all the tricks you need to activate the insurance, so are you really getting the cover you anticipated? Let’s take a look at those pros and cons of credit card insurance:

• If you already pay for a high-end card, free cover is a nice handy perk
• If you were already planning to use your credit card to pay for your holiday, you may not be too put off having to exceed the activation ‘limit’ on your card.
• Elderly travellers may find that they get a better deal as some credit card companies have fewer age limits or don’t apply age loadings.
• Credit card companies usually provide higher levels of cover in the event of cash loss or theft, which is handy if someone pinches your wallet!

Credit card cover will (usually) provide cover wherever you . Usually there are no additional costs for different regions, so you don’t have to pay extra depending on your destination.  Cons:

• You’re only covered if you pay for your holiday using your credit card – and you might be charged an annual fee on top of that.
• With many cards, the policy offered will only apply to the cardholder, not family members too, so you’ll have to buy them separate policies to ensure they are covered.
• Credit card travel insurance cover will often only cover you for shorter periods than regular travel insurance (usually around 35 days per trip). Some providers only offer up to three months’ worth of protection. 
• It is often difficult to extend your cover, unlike standard cover.
• Many policies will not cover you for pre-existing medical conditions – so make sure you read the small print so you’re not caught out.
• Excesses tends to be higher with credit card cover.
• You may not be covered for lost items, only those that are stolen or damaged
• Some activities such as extreme sports and other adventurous holiday pastimes may not be covered by your credit card policy.

CHOOSING THE RIGHT CREDIT CARD INSURANCE

Just like any other purchase it pays to shop around to find yourself a good deal. Lucky for you there are heaps of handy comparison tools to help you make your decision that little bit easier. The benefits, features, limits and exclusions will differ greatly from one card to the next, so it’s wise to pay close attention to the small print and check you’re buying adequate cover.

Questions to ask yourself include:

• Are all family members covered?
• Does the policy provide enough cover for your valuables?
• What is maximum trip length allowed?
• Which pre-existing medical conditions are excluded?
• Am I covered for business and leisure trips?
• Am I covered for domestic and international holidays?
• What do I need to do to activate cover?
• Is there a minimum spend required?

Once you have a good idea of the circumstances that may affect your cover you can then use that information to decide what type of cover is right for you. Of course, you may want to  factor in any exciting card benefits like reward loyalty schemes and frequent flyer points.

WHICH CARDS OFFER FREE COVER?

Kiwibank offer complementary cover underwritten by Tower with their MasterCard Gold or Air New Zealand Airpoints Platinum MasterCard. You must be a Kiwi resident, under 80 years of age.

Westpac Hotspots Platinum card provide complimentary cover underwritten by AIG which includes you cover for 35 day trips, minimum spends and family member restrictions apply.

BNZ Gold or Platinum Visa cardholders  get cover underwritten by Cigna for return (leisure only) international trips. You must pay at least $250-$500 on the card to activate. You can choose from 35 days or 90 days policies.

ANZ Airports Visa Platinum offers cover underwritten by AIG when you pay for at least half of your pre-paid travel expenses with your card.

ASB’s Visa Platinum with Rewards offer cover underwritten by Tower for 120 days when you pay for at least 50% of your holiday using the card.

American Express Platinum Edge offer complimentary domestic and international cover underwritten by ACE.

In summary, the term ‘free’ does not necessarily mean ‘free’. Credit cards that provide ‘complimentary’ travel insurance typically have annual fees ranging anywhere from $50 to over $500.

Having said that, if you’re a healthy, savvy traveller who takes more than two standard short trips a year, credit card travel insurance could be the winning ticket. When you compare the card’s annual fee cost with the price of standalone cover, it may well be more cost effective to choose credit card insurance. However, be mindful of the fact that in doing so, you may lose out on some important benefits and risk exposure to certain exclusions.

FURTHER READING

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Has anyone used BNZ credit card for travel insurance overseas. Unsure whether to use it.??

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Asb credit card travel insurance.

You might already have access to overseas travel insurance if you've got an ASB Visa Platinum Rewards credit card. Find out how to activate it correctly.

Check activation Make a claim

Benefits at a glance

• Access to a wide range of benefits – from lost luggage to cancelled flights and medical emergencies
• Emergency assistance that you can call from anywhere in the world 24/7
• Cover for you, your spouse and your dependent children when they're travelling with you
• Protect your travel plans and get peace of mind when heading overseas

How ASB credit card travel insurance works

You can access up to 90 days travel insurance per overseas return trip on an ASB Visa Platinum Rewards card. And if you're travelling with your spouse or your dependent children, they're included too (as long as all of the terms and conditions  are met).

The ASB Visa Platinum Travel Insurance policy provides cover for a wide range of benefits. Here are some examples, but please read the policy wording  for full details:

• Medical and emergency evacuations.
• Cancellation of your trip due to an unexpected event.
• Lost or stolen luggage, including luggage delays of 12 hours or more.
• Accidental death or personal injury.

How to activate your travel insurance

To activate your travel insurance you simply need to pay for at least 50% of your overseas return travel tickets using your ASB Visa Platinum Rewards credit card. Remember to keep any receipts, emails, bank statements or other proof that you've activated your travel insurance. If you make a claim, we'll need to see this.

You can check activation of your travel insurance or purchase additional cover by visiting www.asbtravel.co.nz .

Here are several other quick and easy ways to activate your travel insurance prior to leaving New Zealand:

• Use your True Rewards dollars , Airpoints or other frequent flyer points to buy your overseas return travel tickets. If you don't have enough True Rewards dollars or frequent flyer points for the whole amount, you can use another activation method to pay at least 50% of the balance to qualify for cover.
• Get a cash advance from your ASB Visa Platinum Rewards account and on the same day use these funds to pay for at least 50% of your overseas return travel tickets.
• Pay for at least 50% of your overseas return travel tickets from your ASB bank account if you're unable to use your ASB Visa Platinum Rewards credit card to pay for your tickets, or there's an additional charge for using your credit card (your travel provider must give you written confirmation that your credit card is not acceptable or would incur an additional charge).
• Travel on return overseas tickets that you've won in a prize draw or competition.

Important information you need to know

• Pre-existing conditions aren't automatically covered. If you'd like to apply for a pre-existing condition to be covered, please apply at www.asbtravel.co.nz now.
• There is no cover for any personal items, money or documents that have been mislaid or forgotten, for example left on transport or in a hotel room or other accommodation.
• For ASB Visa Platinum Rewards cardholders aged 76 and over, you are not eligible for cover under the base policy however can purchase additional cover.
• There are a number of exclusions which apply to this policy, please see the policy document  for details.
• It's a good idea to check travel advisories when you're travelling overseas. You can check these at safetravel.govt.nz to see how your travel will be affected.

Which company underwrites this policy?

ASB has chosen AIG to underwrite our ASB Visa Platinum Rewards Travel Insurance. This means they'll answer your policy questions and be on hand to help if you call emergency assistance or make a claim.

Get started today

If you haven't already got an  ASB Visa Platinum Rewards credit card ,  apply for one now . 

02. Understand

Read the applicable travel insurance policy document  to get a full understanding of what is and isn't covered and how to make a claim.

03. Activate

To make sure you are covered, you need to activate your ASB Visa Platinum Travel Insurance and keep proof of activation in case you need to claim.  You can check activation online at www.asbtravel.co.nz .

If you need to make a claim, request this through the Digital Claim Portal or call AIG Travel on 0800 660 141 or +64 (4) 916 6312 .

Calling from New Zealand

For enquiries and claims in New Zealand, please call AIG.

0800 660 141

Calling from overseas

If you're overseas and you need emergency or medical assistance, please call AIG Travel.

+64 4 916 6312

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Top tips and travel essentials.

Before you leave check out or travel guide. It Includes great tips for keeping safe before and during your trip, as well as money tips for when you’re overseas.

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Frequently asked questions.

Manage your account

ASB's lending criteria and terms apply. Interest rate on cash advances currently 22.95% p.a applies. Interest rates may change. Fees apply, refer to asb.co.nz for details. Fees may change. Refer to asb.co.nz for other fees and charges. Please refer to the ASB Visa Platinum Travel Insurance Policy for full details. If you are 76 years of age or over, you are not eligible for cover under the base policy, but may be able to purchase Mature Age cover to receive travel insurance benefits. Other exclusions and limitations apply.

ASB's Credit Card Conditions of Use  and ASB Rewards Programme Terms apply. Everyday Rewards programme terms and conditions apply.

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