Holidaying is a time to pack your bags, not your worries. You want to be relaxing, not fretting about unexpected incidents that could disrupt your travel plans. That's why it's important to consider buying travel insurance that can offer protection for your well-earned trip, just as you would your home or car.

At Flight Centre we offer travel insurance coverage through Europ Assistance, a global travel insurance operator.

This handy travel insurance guide will help you choose the travel insurance coverage that's right for you.

We offer you travel insurance coverage that caters to a variety of trip types and travel styles. Whether you're exploring your own backyard or venturing overseas, back-packing solo or on a cruise with the kids, you can choose from several types of travel insurance to cover the things that are most important to you while travelling.  

How to choose travel insurance that best suits you depends on how far you're going. If you're travelling domestically within New Zealand, we can offer you travel insurance coverage for things like trip cancellations or delays, event cancellations, lost, stolen or delayed luggage, lost or stolen travel documents, rental car excess and even personal liability and loss of income.

If you're travelling internationally, we can offer you travel insurance coverage for all of this, plus things like overseas medical, emergency dental costs and even pet care. 

If you travel often, you can also opt for a convenient Annual Multi-trip plan.

The domestic and international plans we offer are available to you in three tiers (Bronze, Silver and Gold), one of which you can select depending on whether you need comprehensive coverage that may give you peace of mind, or a more budget-friendly option.

Our travel insurance guide below will help you choose which type of travel insurance is right for you.

To find out more about the types of travel insurance available to you through Flight Centre you should read the Policy Wording. 

It's important to know the travel insurance coverage of your policy to ensure you have a level of cover to suit your individual needs. If you have a pre-existing medical condition that is not automatically covered, you can apply for additional cover at the time you buy your policy or within your cooling off period by completing a medical screening. Refer to the Policy Wording for specifics on pre-existing medical conditions and what is already covered.   

Step 1: 

Fill Out a Claim Form

To start your claim, complete a claim form either:

• Online through our e-Claims portal
• Download and print a claim form

We recommend submitting your claim within 30 days after returning home. If more time is needed, don’t worry – claims can still be made later. 

Step 2: 

Provide Supporting Documents

Gather and provide all essential supporting documents, which may include:

• Police or medical reports
• Hospital invoices or receipts
• Proof of New Zealand residency 
• Travel itineraries, documents, or e-tickets
• Details of any supplier cancellation fees or amendment terms (e.g., airline, tour company, hotel, or cruise)

Your travel agent may help you obtain some of these documents if needed! 

Step 3: 

We Evaluate Your Claim

Once all necessary documents are received, we will assess your claim. During this step, we may request additional documentation to support your claim if required.

Step 4: 

Claim Decision

Europ Assistance will make a claims decision within 10 days after you submit your claim provided we have all the required supporting documents. If approved, the payment will be transferred directly to your bank account. If we can't approve your claim, we'll provide a clear explanation of why. 

To ensure your claim is processed quickly and efficiently, keep these tips in mind:

• Complete the form thoroughly: Provide as much detail as possible.
• Use e-Claims: Opting for our online portal may speed up the process.
• Prove ownership: For claims related to belongings, include receipts, bank statements, invoices, or other proof of ownership.
• Keep records: Save all receipts and invoices for expenses related to your claim.
• Be responsive: Keep an eye on your email and phone for any follow-up requests from our team. 

How Your Travel Agent Can Help

Your travel agent can provide any necessary documents related to your travel arrangements, such as refund information, cancellation fees, and terms and conditions. 

24/7 Emergency Assistance

If your need is urgent, Europ Assistance have a 24-hour emergency assistance team you can contact on +64 9 872 5015. This team can offer you practical support and guide you through your crisis 24 hours a day, 7 days a week, so you’re never alone in your moment of need.  

To ensure you make an informed decision about purchasing travel insurance, you must read the Policy Wording. This document is designed to assist you in your decision making and contains information about everything that is and isn’t covered, your rights and obligations, plus all terms, conditions and limitations of the travel insurance policy.  

Safetravel.govt.nz/travel-insurance states “If you can’t afford travel insurance, you can’t afford to travel.” 

This insurance is underwritten by the insurer Mitsui Sumitomo Insurance Company Limited (MSI), NZBN 9429039809810 (registered as an overseas company in New Zealand). Europ Assistance Australia Pty Ltd (EAA) (registered as an overseas company in New Zealand) NZBN 9429051834036 holds a binding authority from the insurer, MSI to issue contracts of insurance and to deal with or settle claims on MSI’s behalf and as MSI’s agent. Flight Centre (NZ) Limited, NZBN 9429039591678, trading as Flight Centre, is appointed by MSI and EAA to act as a product distributor for this insurance product. Any information provided is factual only. Consider and read the Policy Wording and your personal circumstances before purchase.  

*Important message if your travel insurance policy was issued before 8 December 2024.

If your policy was issued by Cover-More Travel Insurance on or before 8 December 2024 (your policy number starts with a 7 and contains 12 digits) please click here.

You can access the Policy Wording for full terms, conditions, inclusions and exclusions. This page also provides you with up to date information on Travel alerts, your best contacts for Emergency Assistance and all you need to know if you want to lodge a claim or seek information regarding your policy.