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Check Your Cover

Use this form to tell us about you and your trip. We'll be able to confirm if you are covered and any additional premiums that may apply. In the event of a claim, we may require you to provide evidence that the information provided is correct. This form is for overseas travel insurance only.

If you are interested in Domestic Rental Vehicle cover, you don’t need to complete this form.  Please click here for further information on this benefit.

 

Your Card, Dates and Region

If you are unsure, check the name on your card.

From 28 February, you will be required to use your BNZ Advantage Visa Platinum or BNZ Advantage Business card to make a payment of any value) to be eligible for overseas travel insurance cover. If you paid for your trip before 28 February 2024, please answer yes to this question.

We use this to match the card type you chose above. If you have both Business and Platinum cards, you can enter the first six digits of either card numbers.

Do you hold a return ticket for your trip?

To be eligible you must hold a return ticket before you depart New Zealand. This can include two or more tickets purchased separately if you have confirmed bookings to depart from and return to New Zealand. If you do not have return tickets booked, you may still be covered if you must cancel planned travel before you depart however you will not be able to confirm eligibility for the overseas portion of your trip till you have a return ticket.

This is the date you are scheduled to depart from New Zealand. If you are traveling domestically prior to your international departure, do not include domestic travel days. Please include the time of your scheduled travel so we can be certain of the number of days, measured in consecutive 24-hour blocks, that you are overseas (NZ time zone).  Ensure you consider time differences/zones and travel times.

This is the date you are scheduled to arrive in New Zealand, not the date you board your flight. If you are traveling domestically following your arrival in New Zealand, do not include domestic travel days. Please include the time of your scheduled travel so we can be certain of the number of days, measured in consecutive 24-hour blocks, that you are overseas (NZ time zone).  Ensure you consider time differences/zones and travel times.

 

Is one of the reasons for your travel to engage in business or work related activities?

Business related travel is not covered for Advantage Platinum Visa cardholders, unless you also hold an Advantage Business Visa card. If you hold a Advantage Business Visa card, certain work related activities are not covered. View the relevant policy wordings for more information.

Which regions will you be visiting for more than three consecutive days, while travelling overseas?

The regions you visit can affect if you are covered and this information is also used to assess the risk associated with your travel itinerary

Card Holder

There is no automatic medical cover for persons aged 75 years and over. Information about age limits can be found here.

Are you a citizen or permanent resident of New Zealand?

Cover may be limited if you are not a New Zealand Citizen or permanent resident. 

This policy provides cover for cardholders intending to return to New Zealand at the conclusion of their travel. If you do not hold New Zealand citizenship or Permanent Resident status then AIG may not be able to assist with medical evacuation in the event of a medical emergency overseas. In the event that you cannot return to New Zealand to continue receiving treatment due to your residency status then cover under the policy may no longer be available. If you are unsure about your residency status, please seek independent advice. AIG cannot provide any advice relating to your immigration status.

Do you require medical cover for a pre-existing condition?

You are not automatically covered for pre-existing medical conditions. Information about pre-existing medical conditions can be found here.

Are you on a waiting list for treatment in a hospital?

You cannot apply to cover pre-existing medical conditions if you are on a waiting list for in-patient treatment for one or more conditions.

Are you travelling overseas to seek medical treatment or advice?

You cannot apply to cover pre-existing medical conditions if part of your trip is for medical treatment or advice. This includes cosmetic or dental surgery.

Have you been diagnosed with a terminal condition?

You cannot apply to cover pre-existing medical conditions if you have received a terminal diagnosis.

Do you have symptoms without a known diagnosis or for which you are awaiting the result of diagnostic tests?

You cannot apply to cover pre-existing medical conditions if you do not have a confirmed diagnosis. You can return to this site later and complete an application for a cover extension if you subsequently receive a confirmed diagnosis. Tests to monitor the status of a diagnosed condition are not considered to be diagnostic tests.

Will your Spouse be accompanying you for the entire trip?

Spouse means your spouse or de facto partner of either gender, who you have continuously lived with for a period of three consecutive months or more. Accompanying means departing with you, returning with you and following the same itinerary. This allows for side trips of up to 5 days or 20% of your trip, whichever is the lesser.

 

Will dependent children be accompanying you for the entire trip?

Dependent children means means your children (including your step children and any legally adopted children) who are:
a) unmarried; and
b) under 19 years of age and living with you; or
c) under 25 years of age and are registered as a full-time

Accompanying means departing with you, returning with you and following the same general itinerary. This allows for side trips of up to 5 days or 20% of your trip, whichever is lesser.

 

Your Spouse

Spouse means your spouse or de facto partner of either gender, with whom you have continuously lived with for a period of three consecutive months or more. Accompanying means departing with you, returning with you and following the same itinerary. This allows for side trips of up to 5 days or 20% of your trip, whichever is the lesser.

 

There is no automatic medical cover for persons aged 75 years and over. Information about age limits can be found here.

Are they a citizen or permanent resident of New Zealand?

Cover may be limited if you are not a New Zealand Citizen or permanent resident. 

This policy provides cover for cardholders intending to return to New Zealand at the conclusion of their travel. If you do not hold New Zealand citizenship or Permanent Resident status then AIG may not be able to assist with medical evacuation in the event of a medical emergency overseas. In the event that you cannot return to New Zealand to continue receiving treatment due to your residency status then cover under the policy may no longer be available. If you are unsure about your residency status, please seek independent advice. AIG cannot provide any advice relating to your immigration status.

Do they require medical cover for a pre-existing condition?

You are not automatically covered for pre-existing medical conditions. Information about pre-existing medical conditions can be found here.

Are they on a waiting list for treatment in a hospital?

You cannot apply to cover pre-existing medical conditions if you are on a waiting list for in-patient treatment for one or more conditions.

Are they travelling overseas to seek medical treatment or advice?

You cannot apply to cover pre-existing medical conditions if part of your trip is for medical treatment or advice. This includes cosmetic or dental surgery.

Have they been diagnosed with a terminal condition?

You cannot apply to cover pre-existing medical conditions if you have received a terminal diagnosis.

Do they have symptoms without a known diagnosis or for which they are awaiting the result of diagnostic tests?

You cannot apply to cover pre-existing medical conditions if you do not have a confirmed diagnosis. You can return to this site later and complete an application for a cover extension if you subsequently receive a confirmed diagnosis. Tests to monitor the status of a diagnosed condition are not considered to be diagnostic tests.

Optional Cover
Do you need cover for high value personal items?

Cover for any item, pair or set of items is subject to a limit of $2,000 (except for laptop computers (inclusive of all accessories), which is $6,000). Information about high value items can be found here.

Include make or model information if available. You will be required to supply proof of ownership and valuation of the item in the event of a claim. Note that sporting equipment cannot be covered as high value items.

AIG

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.

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