Only ASB Visa Platinum Rewards cards include travel insurance benefits. If you are unsure what type of card you hold, please check your credit card statement. 

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. 

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, there is no cover under any part if the policy if you are 76 years, or older, at the start of your trip. For information about age limits and mature age cover, please click here.

No. To be eligible for cover you must hold a return travel ticket for your travel 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.

Yes, you will still be covered for the first 90 days of your trip if you have met the activation requirements of the policy. For information about duration limits and duration extensions, please click here.

No. This policy only covers trips starting and finishing in New Zealand. In addition, you must be residing in New Zealand and returning to New Zealand to live at the end of your journey.

No, the ASB Visa Platinum Rewards Travel Insurance Policy only covers overseas trips. You may also be covered for domestic travel from your home or place of business to your international departure point if such travel is direct and no more than 24 hours in duration. 

Your policy number is the first 6 digits of your individual credit card number.

If you have completed the online questionnaire and we have sent you a confirmation letter this will show a policy number specific to your questionnaire answers for that specific trip only. 

You can reference either policy number when contacting AIG Travel.

An excess of $200 is applicable to each and every claim arising from the same event under each of the following sections:

Section 1. Medical and Evacuation Expenses;

Section 2. Cancellation and changes to planned travel; and

Section 3. Luggage, Money and Replacement Travel Documents.

Only one excess applies if you make more than one claim because of a single event. If you claim for two or more separate unrelated claim events two excesses shall apply. If a family claims, only one excess shall apply to each claim event.

Dependent Child(ren): means person who:

• is the natural, step, or legally adopted child of the Platinum Cardholder; and
• is unmarried and not living in a relationship equivalent to marriage; and
  • is under the age of 18 years at the date Travel commences; or
  • is a full-time student at an accredited institution of higher learning and is primarily dependent on the Platinum Cardholder for maintenance and support and is under the age of 25 years.

Spouse means A person aged 75 years or under:

• to whom the ASB Visa Platinum Rewards Cardholder is legally married; or
• with whom the Platinum Cardholder lives in a relationship equivalent to marriage (whether of the same or opposite gender) and has done so for a continuous period of at least 3 months prior to the date Travel commences;

and from whom the ASB Visa Platinum Rewards Cardholder has not separated or the relationship terminated prior to the period of Travel.

The policy only covers accompanying spouses and or dependent children.

Accompanying means departing and returning with and following the same general itinerary as the ASB Visa Platinum Rewards Cardholder during a journey, however allowing for overnight or day excursions (not exceeding a maximum of five (5) nights or 20% of your journey, whichever is the lesser) during the journey that the ASB Visa Platinum Rewards Cardholder and their family may not undertake together.

If your spouse 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. Spouse and dependent children are only covered if they are accompanying a cardholder who has met the activation requirements for a cardholder travelling with their family.

Accompanying means departing and returning with and following the same general itinerary as the ASB Visa Platinum Rewards Cardholder during a journey, however allowing for overnight or day excursions (not exceeding a maximum of five (5) nights or 20% of your journey, whichever is the lesser) during the journey that the ASB Visa Platinum Rewards Cardholder and their family may not undertake together.

Family members who are joint or additional cardholders may be eligible for cover subject to meeting the activation requirements.

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 Travel Insurance  covers 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 for cover your pre-existing medical conditions (you cannot apply to cover the pre-existing medical conditions of anyone other than yourself) complete the activation questionnaire.

If we accept your application for cover of your pre-existing medical conditions, a premium will be payable.

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 for cover your pre-existing medical conditions (you cannot apply to cover the pre-existing medical conditions of anyone other than yourself) complete the activation questionnaire.

If we accept your application for cover of your pre-existing medical conditions, a premium will be payable.

There is no cover for pregnancy or childbirth. This exclusion does not apply where costs are incurred because of unexpected medical complications or emergencies which occur before the 28th week of your pregnancy.

We do not consider uncomplicated pregnancy to be a pre-existing medical condition and you cannot apply to cover pregnancy. Medical complications relating to pregnancy, such as diabetes in pregnancy, are considered pre-existing medical conditions and you can apply to cover such medical complications. If such complications are covered, such cover remains subject to normal policy terms and conditions and is therefore only in force up to the 28th week of your pregnancy.

When you complete our pre-existing medical conditions questionnaire to apply for cover for your pre-existing medical conditions your results may show specific references to 'Linked Conditions' which you included in your declaration. These are conditions that are directly medically linked to those conditions declared by you on your application. Where you have a condition or set of conditions for which we are unable to provide cover, any conditions on your assessment outcome which are noted as 'Linked Conditions' will similarly be excluded from cover.

Section 8: Rental Vehicle Excess Cover covers the excess you become legally liable to pay in the event of a claim against your rental vehicle's insurance policy. It does not cover the vehicle itself. Please refer to the policy wording for a full description of cover.

Rental Vehicle means a standard model motor vehicle designed to carry no more than 8 passengers including the driver (including mopeds and motorcycles with a maximum of 200 cc rating and motor homes providing they are not designed to carry more than 8 passengers), rented by You from a licensed motor vehicle rental agency.

Yes, overseas cruises are covered if your trip meets the normal activation requirements of the policy. 

If you are travelling to an international destination on a cruise that includes New Zealand waters or ports, cover will be provided subject to the terms of this Policy, while You are unable to leave the vessel. Where Your cruise departs from New Zealand Your Travel begins when You leave the first port.

Skiing or snowboarding within the designated boundaries of a commercially operated ski field is covered.

Hazardous sports however are not covered, this includes any racing or deliberate exposure to exceptional danger and there is no cover for any professional sporting activities.

There is no cover under the policy for professional or competitive sporting activities. If you are being paid for your involvement, or there is any prize money involved in the competition, or you have been selected to represent a national sporting body, then we consider the activity to be professional. Racing (other than on foot) is a general exclusion under the policy and other hazardous sports are also excluded.

Please contact us for individual consideration on 0800 660 141 if you are unsure whether your planned sports activity might be covered.

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 .

"Hazardous activities" includes :

• professional sport;
• competitive sport;
• racing of any sort (other than on foot);
• motor sports;
• hunting of any sort;
• pot-holing or caving;
• snow skiing or snow boarding except at a recognised commercial field;
• hang gliding or microlight flying or kite surfing;
• ocean yachting;
• parachuting (including tandem parachuting) or bungy jumping or whitewater rafting or blackwater rafting unless it is with a licensed and approved operator;
• mountaineering or rock climbing necessitating the use of ropes or guides;

• remote area touring except as part of a licensed organised tour;
• underwater activities involving the use of an artificial breathing apparatus unless You hold an open water diving certificate or are diving with a qualified instructor

Guided treks that are arranged by a licensed commercial operator following established trekking routes will be covered, however the policy specifically excludes mountaineering or rock climbing involving the use of climbing equipment, ropes or guides, and any trekking activity above an elevation of 3,000m. If you are unsure whether your trekking activities will be covered call us on 0800 660 141.

Ocean yachting is specifically excluded. We consider ocean yachting any sailing that ventures beyond 12 nautical miles from land. This means we will cover yachting that is coastal in nature only, and for which the entire sailing itinerary remains within 12 nautical miles of land. There may however be specific attributes of your planned coastal yachting that should be disclosed as a hazardous activity. If you have any questions regarding possible hazardous aspects of your itinerary that may trigger your duty of disclosure, please call us on 0800 660 141.

Luggage and personal effects are subject to a per item limit of $2,000 (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, and $15,000 for all specified items) for an additional premium.

This specified item extension will only increase the limit any one item, not the policy limit under Section 3. Luggage, Money and Replacement 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 will also need to provide proof of the value of the item such as a purchase receipt, or in relation to items of jewellery, a valuation of less than 12 months provided by a registered valuer.

No. The maximum amount payable under Section 3. Luggage, Money and Replacement Travel Documents remains the same even if you nominate items for extended cover.

Yes, sporting equipment is covered but there is no cover for damage to sporting equipment whilst in use. 

No. Sporting equipment cannot be specified under your policy.

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. Once you have decided to cancel you should contact airlines or other providers to request refunds.

If you are not able to obtain a refund but you can obtain a credit to use later, you should accept that option. If it turns out that you are unable to use the credit before it expires you can contact us when the credit expires and we will reopen an existing claim or you can lodge a new claim, regardless of how long it has been since the original trip was cancelled.

This benefit provides a lump sum payment if you suffer death or permanent paralysis because of an accident while you are travelling on or in a scheduled transport, including boarding and alighting, during your journey.

This section of the policy has additional activation requirements, over and above the normal policy activation criteria. In addition to the normal policy activation criteria, you must have charged the full cost of your common carrier ticket (and that of any accompanying dependent child or spouse) to your ASB Visa Platinum Rewards card.

Scheduled Transport means an air, rail, sea and/or coach transport operated by an established, licensed airline, passenger carrying service operator, tour operator or operated as a public transport service in each case providing regular, scheduled transport for fare paying passengers.

No. While you will not be eligible for the benefit of Scheduled Transport Accident you can still be covered under your overseas travel insurance policy for all other benefits - including Section 4. Personal Accident - provided you meet the normal policy eligibility criteria.