Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Frequent flyer? Whether you're seeing the world for business, or you're a regular holiday-maker, if you're travelling multiple times a year, you can often make big savings by choosing a annual travel insurance policy (also known as a frequent traveller or multi trip policy).
An annual travel insurance policy is for travellers who leave home multiple times a year on shorter trips. This differs from a year-long single trip policy, which gives you coverage to be away from home for one twelve-month long trip.
Annual travel insurance policies have different maximum trip duration limits - that is, the maximum number of days you can spend overseas before you have to come home again. For example, if you purchase a 30-day annual travel insurance policy, you can go on a ten-day trip to Fiji for a friend's wedding in April, go on a seven-day Pacific cruise in July, go trekking for three weeks in New Zealand and have a month-long break over Christmas in the USA, and they can all be covered under the one policy.
Which region shjould I pick? If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re traveling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in Asia and Pacific.
Worldwide means anywhere in the world
Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean
Europe means all European countries, including UK
Middle East refers to the area from Syria to Yemen; Egypt to Iran
Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*
Pacific means Australia, the South West Pacific, and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters
Australia means travel within Australia and New Zealand
New Zealand (domestic) means travel within New Zealand only
*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.
Depending on your circumstances, such as your age, and your trip durations and destinations, it can sometimes be cheaper to buy two or three single trip policies than an annual policy, so there are savings to be made by shopping around and comparing your options.
Are you a frequent traveller considering an annual travel insurance policy? Check out our top tips for regular jetsetters:
If you're travelling with one travel insurance policy for a whole year, you're going to want peace of mind that you've got the right one for you and your needs. So if you've read the PDS and still can't decide, consider checking out the thousands of reviews left by Kiwi travellers about their experience with their travel insurer. Were they helpful on the phone? Was their website easy to use? And most importantly, how did they go when customers needed to claim?
Or perhaps you want to have your say? Whether you love or loathe your travel insurer rate them on customer service, value for money & more! Help out your fellow savvy shoppers today!