Yes, if you have already confirmed cover online, then your trip will still be covered after 1 October 2026 under Zurich’s policy wording.

Any policy options you have purchased, will continue to apply to your trip, even if you received confirmation from AIG.

If your claim event occurs before 1 October 2026, AIG will be responsible for the claim. Zurich New Zealand will be responsible for claims that occur on or after 1 October 2026.

The same claims team at Travel Guard will be handling your case though, regardless of the date, so you don’t need to do anything.

No, there are no changes. Age limits, duration limits and the requirement to use your card to pay for at least part of your trip are all remaining unchanged.

You should always review the policy before every trip, to ensure that you are covered, and that the benefits meet your personal requirements.

The best way to be certain your trip is covered is to Check Your Cover. 

Yes, you can Check Your Cover at any time if you need to customise your policy with options like pre-existing medical condition cover, including if your trip is on or after 1 October.

Yes, some benefits are changing. It is always important though to check your cover and review the policy wording in full, before each and every trip as even parts of the policy that have not changed may be relevant to your individual requirements.

The maximum amount payable for Repatriation of mortal remains or funeral at place of death is increasing from $20,000 to $30,000.

This only applies for persons under 75 years of age, or who have purchased mature traveller cover.

We have made this change to reduce the chance of claims exceeding the policy limit.

The sublimit for any one item is increasing from $2,000 to $3,000.

We have made this change because some common items such as cell phones can cost over $2,000.

We have also updated the section exclusions relating to unattended luggage and personal items. This is to ensure it is easy to understand the circumstances where your items will not be covered, such as if you leave items behind in a taxi.

The maximum amount payable per journey is increasing from $5,000 to $8,000.

We have made this change to reduce the chance of claims exceeding the policy limit.

We are also removing the policy excess applicable to this section.

We have changed the definition of a cruise to take into account that some cruises include both international and domestic stops. To make it easier to understand what cruises you can cover, we have changed the definition of multi-night cruise.

In the new policy wording cruise means

“Travelling as a passenger for two or more nights, inclusive of port stops and cruise excursions, aboard a commercially registered cruise ship which during your trip:

 a) Visits at least one overseas port: and

 b)  Sails on any of a river, in a harbour, on an ocean or at sea.”

You can purchase cover for your cruise itinerary as long as at least one international port is included. If your itinerary does not include an overseas port is will not be considered to be an overseas trip and the BNZ Platinum advantage policy does not apply.

The contact phone number for emergency assistance will not change. If you're overseas and you need emergency or medical assistance, please call +64 9 359 1687.

We do have a new dedicated email address, bnzassistance@travelguard.com if you prefer to contact the assistance team by email.

If you need to make a claim, you can obtain a claim form and see some helpful tips for how to submit your claim on the claims page.

You can also call us on 0800 269 872 to have a copy of the claim form sent to you.