Travel insurance with your credit card

You may be eligible for overseas travel insurance through your Air New Zealand Airpoints™ Platinum Visa.

Travel advisory

Within an approved travel bubble: If you're a Kiwibank Platinum Visa or Air New Zealand Airpoints Platinum Visa cardholder, you maybe eligible for overseas travel insurance if you meet the normal activation criteria and all other terms and conditions under the Travel Insurance for Kiwibank Credit Cards Policy Wording (PDF 297.3 KB) and travel to any location within a travel bubble approved by the New Zealand Government after the date such bubble opened. Please note there is no cover for any COVID-19 related claims or claims arising from any change in Quarantine-free travel status or the action of any government.

Outside an approved travel bubble: If you're a Kiwibank Platinum Visa or Air New Zealand Airpoints Platinum Visa cardholder and are considering overseas travel, you need to be aware that you won’t be covered for travel to, from or while staying in a location outside any travel bubble approved by the New Zealand Government (including, but not limited to, any location classified as ‘Do Not Travel’ by the Ministry of Foreign Affairs and Trade (MFAT)). We strongly recommend that you check the Safe Travel website to confirm whether your travel destination is safe. You can also register your plans with Safe Travel, so MFAT can contact you in the event of an emergency.

If you already have travel insurance through your Kiwibank Credit Card, are currently overseas and need assistance arranging travel home, please call Tower's Worldwide Emergency Assistance Service on +64 9 985 5000.

Find out more by calling 0800 876 541

Benefits at a glance

  • Covers up to 40 days away. If you need cover for longer call 0800 876 541 before you go away.

  • Protection for your spouse and dependent children if they’re travelling with you.

  • 24-hour worldwide emergency assistance.

  • Cover is provided by Tower Limited and managed by AWP Services New Zealand Limited trading as Allianz Partners.

What you’re covered for

  • Medical expenses if you’re injured or have an accident
  • Loss or damage to your things or travel documents
  • Unforeseeable cancellations, delays and loss of deposits
  • Kidnap and ransom
  • Rental vehicle excess
  • Pre-existing medical conditions are not automatically covered. If you have a pre-existing medical condition, you might be able to arrange cover for an extra premium. Call 0800 845 010 to find out more.

How to get overseas travel insurance

Overseas travel insurance will be activated if you use an eligible credit card to pay for at least one of these things: overseas travel tickets, one or more nights of pre-paid accommodation, a pre-paid rental car, pre-paid scheduled transport ticket or a pre-paid guided tour.

You have to be a New Zealand citizen or permanent resident, be under 80 years old, be returning to New Zealand at the end of your trip, have an active Platinum Visa or Air New Zealand Platinum Visa for the duration of your trip.

Business trips are covered under some circumstances, call 0800 845 010 to find out more.

How to make a claim

Please contact us as soon as you can after something goes wrong.


  • Within New Zealand: call 0800 876 541 between 8.30am to 5pm, Monday to Friday.
  • Overseas: call collect on +64 9 985 5000 we're available 24 hours a day, seven days a week.

Complete a claim form

Download and complete the online travel insurance claim form on the Tower website. Make a claim.