How do I activate the Airpoints Visa Platinum complimentary travel insurance?

You activate it by paying for at least 50% of your prepaid travel costs with the Airpoints Visa Platinum, and prepaid costs include air tickets, accommodation, car hire, tours, cruises and taxes. Holding the card is not enough. If the trip is booked with Airpoints Dollars or other points, at least 50% of your prepaid accommodation or other itinerary items must go on the card instead, and if the card isn't accepted or carries a surcharge, another ANZ account can be used. You also need to live in New Zealand, be a citizen or resident, and hold a return ticket within 90 days before you leave. There is no registration step: checkyourcover.co.nz only confirms you qualify.

Who is covered under my Airpoints Visa Platinum complimentary insurance?

The cardholder is covered, including additional cardholders on the same account, and so is a spouse, de facto or civil union partner travelling with them. Dependent children are covered when they travel with you, are under 19 and not in full-time work, or under 26 if they are full-time students who rely on you for support. The catch is the limits: children share the limits of the adult they travel with. One adult and two children get one $30,000 baggage limit between them, not three, while two adults travelling with two children get $60,000.

Does the Airpoints Visa Platinum cover rental car excess?

Yes, up to $6,000 for a hire car rented overseas. It reimburses the excess the rental company charges you after damage or theft, so it is an excess-reimbursement benefit and not a damage waiver. You must have been the driver (or had the car in your custody if it was stolen), rented from a licensed rental agency, kept to the rental agreement, and had the claim accepted by the vehicle's insurer. Campervans up to 4.5 tonnes count. Hires inside New Zealand are not covered unless they are part of an overseas trip's itinerary.

How do I make a claim on my Airpoints Visa Platinum insurance?

Claims on the ANZ platinum credit card travel insurance go to Allianz Partners, which manages the policy for the underwriter Mitsui Sumitomo: lodge online at claimmanager.co.nz, call 0800 499 666 or email anzcardclaims@allianz-assistance.co.nz. Tell them as soon as possible, and submit full details in writing within 30 days of getting home, with itemised bills, any police or airline report, and proof that at least 50% of your prepaid travel costs went on the card. A $200 excess comes off medical, additional expenses and baggage claims. If you disagree with the outcome, use Allianz Partners' internal dispute process first, then take it to the Insurance & Financial Services Ombudsman Scheme (IFSO Scheme), a free independent service, usually within 3 months of reaching deadlock. It can award up to $500,000 + GST.

What does the Airpoints Visa Platinum not cover?

The cover is strong, but five traps catch people. If less than 50% of your prepaid travel costs went on the card, there is no cover at all. Pre-existing medical conditions are not covered unless Allianz Partners assesses and accepts them before you leave. A trip longer than 90 days is not covered even for its first 90 days, unless an extension is agreed and paid for before departure. From age 75 there is no automatic medical cover. And trips within New Zealand, skiing outside resort boundaries and claims from general lockdowns or quarantine rules are excluded.

Does the Airpoints Visa Platinum travel insurance cover COVID-19?

Yes, through its Epidemics and Pandemics benefit (section 1.5), although the policy wording never names COVID-19: it applies to any disease the World Health Organization or a government authority recognises as an epidemic or pandemic. If you or your travelling companion are diagnosed and can't start or finish the trip, the cancellation and additional expenses cover applies, and overseas medical treatment is carved back in too. Allianz Partners' own FAQ confirms cover for a positive COVID-19 test abroad, with a supervised RAT or PCR result or a doctor's certificate as proof. A New Zealand Government quarantine order on you personally pays $200 a day, up to $1,400 per adult. Lockdowns or isolation rules that apply to a whole population, ship or destination pay nothing.

Does the Airpoints Visa Platinum cover skiing or snowboarding?

Yes, inside ski resort boundaries: skiing and snowboarding on marked runs are not excluded, so the unlimited overseas medical cover applies to a fall, for travellers under 75, after a $200 excess. Going outside resort boundaries is excluded, Allianz Partners treats heli-skiing and snowcat skiing as excluded extreme sports, and any injury where you ignored safety warnings or skipped protective gear is not paid. Your own skis and snowboards are a weak spot: the baggage cover only pays for them if they are damaged in transit with a commercial carrier, or burnt or stolen from locked accommodation. There is no benefit for hired ski gear or an unused lift pass.

Are pre-existing medical conditions covered by the Airpoints Visa Platinum?

No, not automatically. The policy wording excludes any condition you knew about, and any condition you saw a doctor about or took medication for in the 12 months before you activated cover. You can ask Allianz Partners for a medical assessment on 0800 499 666 before the journey starts, and if they accept the condition you may have to pay a premium. Some conditions can never be covered, such as one with surgery planned or still under investigation. Skip the assessment and a claim linked to that condition is declined, even if the rest of the trip was covered.

Does the Airpoints Visa Platinum cover medical bills overseas?

Yes, with no dollar cap for travellers under 75: medical and repatriation expenses are listed as Unlimited, and emergency dental treatment too. That matters because ACC and New Zealand's public health system do not pay for treatment overseas, and a few nights in a Honolulu hospital can run to six figures. A $200 excess applies to medical claims, and costs must be reasonable. From age 75 there is no automatic medical cover, though you can apply to Allianz Partners for it before you go. Medical costs caused by a terrorist act are capped at $250,000.

How long must my flight be delayed before the Airpoints Visa Platinum pays out?

Six hours. If circumstances outside your control delay your journey by at least six hours, the Airpoints Visa Platinum reimburses reasonable extra meals and accommodation up to $250 per adult for that first block. It then pays up to $250 per adult for each further full 24 hours of delay, with a $15,000 maximum. Keep receipts and written confirmation of the delay from the airline, because the claim needs both. The delay benefit cannot be claimed on top of cancellation or additional expenses for the same event, so pick the section that pays the most.

ANZ credit card travel insurance: what does the Airpoints Visa Platinum cover?

ANZ·$150/year·Visa Platinum·Mitsui Sumitomo Insurance Company, Limited (managed by Allianz Partners)

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated 20 October 20268 min read

3,1/5Independent review · verified October 2026

Travel Insurance

3,9

Car Rental

2,6

Winter Sports

3,0

Protection

0,0

Our Verdict · Travel Insurance

Our take on travel insurance for the ANZ Airpoints Visa Platinum

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

Unlimited overseas medical. Half the trip must go on the card. So, you're in a clinic in Bali and the front desk asks who's paying: with the ANZ Visa Platinum travel insurance, the answer is Mitsui Sumitomo, through Allianz Partners, with no dollar cap on medical and repatriation costs for travellers under 75 and a $200 excess (the first slice of each claim you pay yourself). Most cardholders assume holding the card is enough. It isn't: the policy wording (the insurer's full policy document for the card's cover) only switches cover on when at least 50% of your prepaid travel costs go on the card, and on an Airpoints redemption that means 50% of the accommodation or other itinerary items. The kicker: a journey longer than 90 days has no cover at all, not even for its first 90 days, and from age 75 there is no automatic medical cover. ACC (the Accident Compensation Corporation) and the public health system pay nothing overseas, so if you are 75 or older or planning a long OE, a standalone New Zealand travel policy is the safer choice; if you are under 75 and pay for the trip on the card, this cover is probably enough.

What works on travel

Unlimited overseas medical and repatriation for travellers under 75, $200 excess per event
Cancellation and additional expenses with no dollar cap, extended to a diagnosed epidemic or pandemic illness
Travel delay pays from 6 hours: $250 per adult per block, up to $15,000
$30,000 baggage limit per adult, $2,000 per item and $5,000 for laptops and cameras
Loss of income up to $1,000 a week, $12,000 maximum, if an overseas injury keeps you off work

Where travel breaks down

Half the trip on the card: cover only starts when at least 50% of prepaid travel costs are charged to it
90-day cap: a 91-day journey has no cover at all unless an extension is bought before departure
No automatic medical cover from age 75: a medical assessment and a premium are needed
Pre-existing medical conditions excluded unless assessed and accepted before you leave
No cover for trips within New Zealand

Our methodology

Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.

Travel Insurance · 20 guarantees

What does ANZ Airpoints Visa Platinum Travel Insurance actually cover?

Cover only applies if at least half your prepaid travel costs went on the card. On an Airpoints booking, the accommodation or other itinerary items must go on it.

Deductible : No deductible

Covers all prepaid non-refundable travel and accommodation with no dollar cap, if the journey is cancelled, rescheduled or shortened for reasons outside your control. Lost Airpoints Dollars and other points are reimbursed too, and travel agent cancellation fees are paid up to 10% of the trip cost or $500 per adult, whichever is less. No excess applies to this section.

What's covered

Non-refundable prepaid travel and accommodation
Lost frequent flyer points, air miles and vouchers
Reasonable rescheduling costs
Travel agent cancellation fees (10% of trip cost or $500 per adult, whichever is less)
Cancellation after an epidemic or pandemic diagnosis (section 1.5)

What's not covered

Changing your mind or personal wishes
Redundancy, financial circumstances or your employer's request
Insolvency of an airline, tour operator or travel agent
General lockdowns, alert level changes and quarantine rules applying to a whole population
Close relative's pre-existing condition: capped at $2,000 per adult, $4,000 maximum
From age 75, claims arising from your own medical conditions unless assessed and accepted

Unlimited only until 75: from age 75 the medical benefit is Nil unless extra cover is bought. ACC and the public health system pay nothing overseas.

Deductible : $200

Unlimited overseas hospital, medical and surgical costs for travellers under 75, including medical repatriation, after a $200 excess per event. From age 75 the benefit is Nil unless cover is bought after a medical assessment. Costs caused by a terrorist act are capped at $250,000, and up to $10,000 of continuing treatment back in New Zealand is paid within 12 months.

What's covered

Overseas hospital, medical and surgical treatment
Medical repatriation
Emergency calls and taxi fares up to $100 per adult
Continuing treatment after return, up to $10,000 within 12 months
Epidemic or pandemic illness (carved back from general exclusion 25)

What's not covered

Pre-existing medical conditions unless assessed and accepted
Age 75 and over without an approved medical assessment
Private treatment when public treatment is available
Treatment that started before the journey
Travelling against medical advice or for medical treatment
Skiing outside resort boundaries and other excluded activities

Deductible : $200

Medical repatriation sits inside the unlimited Medical and Repatriation Expenses benefit for travellers under 75, arranged through the Allianz Partners 24/7 emergency line. The insurer can choose to bring you back to New Zealand once you are fit to travel. Funeral costs or returning remains to New Zealand are paid up to $25,000.

What's covered

Medical evacuation and repatriation to New Zealand
Travel and accommodation for a companion or relative to escort you, with prior approval
Funeral expenses or return of remains, up to $25,000

What's not covered

Refusing to return to New Zealand when fit to travel ends overseas medical cover
Pre-existing medical conditions unless assessed and accepted

Deductible : No deductible

Emergency dental treatment overseas is listed as Unlimited for travellers under 75. It only pays for the immediate relief of sudden, acute pain in healthy natural teeth after an infection or a broken tooth, certified in writing by the treating dentist.

What's covered

Emergency relief of sudden acute pain
Treatment of an infection or broken tooth

What's not covered

Dental treatment in New Zealand
Routine maintenance, decay and deterioration
Dentures, crowns, bridges and cosmetic dentistry
Wisdom teeth unless impacted

Deductible : No deductible

Pays $150 for each 24 hours you spend in an overseas hospital, up to $5,000 per adult. The stay must exceed 48 hours, and the first 48 continuous hours are never paid.

What's covered

Daily cash benefit during an overseas hospital stay

What's not covered

The first 48 continuous hours in hospital
Stays caused by excluded conditions or activities

Deductible : $200

Reasonable extra accommodation and travel costs are covered with no dollar cap when illness, injury, a relative's death, a strike, bad weather, a natural disaster or lost travel documents disrupt the journey. A $200 excess applies per event.

What's covered

Extra accommodation and travel if you are certified unfit to travel
Costs to stay with an injured travelling companion
A companion or relative travelling to escort you
Early return home after a death or serious illness in the family
Disruption from strike, riot, weather, natural disaster or a transport accident
Home made uninhabitable by fire, earthquake or flood

What's not covered

Airline, tour operator or travel agent insolvency
Delays or rescheduling by the carrier itself
General lockdowns and quarantine rules
Close relative's pre-existing condition: capped at $2,000 per adult, $4,000 maximum

Deductible : No deductible

Pays reasonable extra meals and accommodation once your journey is delayed by at least 6 hours for reasons outside your control. You get up to $250 per adult after the first 6 hours, then $250 per adult for each further full 24 hours, up to $15,000.

What's covered

Extra meals
Extra accommodation

What's not covered

Failure to check in on time or standby travel
Costs already claimed under another section 1 benefit

No alternative transport cover. Additional Expenses (section 1.2) pays extra travel costs when a scheduled connection is cancelled or delayed by a strike or bad weather, but there is no benefit to reach a prepaid event on time. The cost of alternative transport to reach a prepaid cruise, tour or event on time is out of pocket.

What's not covered

No dedicated alternative transport benefit in the policy wording

Deductible : No deductible

If a close relative's serious injury, illness or death forces you home, the extra cost of returning is paid under Additional Expenses, and the cost of flying back out to resume the trip is paid up to $10,000. Resumption only applies to journeys of at least 14 days when you had been away for less than half of them.

What's covered

Early return home (section 1.2)
Public transport to resume the original itinerary, up to $10,000

What's not covered

Close relative's pre-existing condition: capped at $2,000 per adult, $4,000 maximum
Resumption claimed for an event already claimed under Additional Expenses

Deductible : $200

If your bag is temporarily lost in transit and not back within 12 hours, essentials are reimbursed up to $500. A further $500 is payable after another 48 hours and again after another 72 hours, up to $1,500 in total.

What's covered

Emergency purchase of essential replacement items

What's not covered

Bags delayed on the flight home at the end of the journey
Amounts are deducted from any later baggage loss claim

Deductible : $200

Lost, stolen or damaged personal baggage is covered up to $30,000 per adult, with a $2,000 limit per item and $5,000 per item for laptops and cameras. Items over two years old are depreciated by at least 20% a year, and proof of ownership is needed for claims over $500.

What's covered

Suitcases and their contents
Items worn or carried
Laptops and cameras up to $5,000 per item

What's not covered

Bags left unattended in a public place
Bags visible in an unlocked or unforced vehicle
Jewellery not worn or locked away
Skis and snowboards except in transit with a commercial carrier or stolen from locked accommodation
Sporting equipment in use
Electronic malfunction

Deductible : $200

Replacing lost, damaged or stolen passports, visas and credit cards is covered up to $5,000, including fraudulent use of them by someone else. Cash for personal use is a separate benefit capped at $500, and only when it was on you, in a locked safe or in your room with you present.

What's covered

Replacement passports and visas
Replacement credit cards and their unauthorised use
Personal cash up to $500

What's not covered

Cash left in a room you were not in or outside a locked safe
Documents not reported within 24 hours

Deductible : No deductible

Covers your legal liability for accidentally injuring someone or damaging their property overseas, up to $2,500,000. Defence costs, including wrongful arrest, are paid up to $13,000 with the insurer's consent.

What's covered

Compensation for accidental injury or death of others
Accidental damage to other people's property
Litigation costs
Defence costs and wrongful arrest, up to $13,000

What's not covered

Motor vehicles, aircraft and most watercraft
Your business or occupation
Property you own or control
Contractual liability, fines and punitive damages

Deductible : No deductible

Pays $100,000 per adult for accidental death or permanent total disablement during the journey, and $10,000 for a dependent child, with partial amounts for loss of a limb, sight or hearing. Death on a scheduled public transport trip paid in full on the card has a separate Transport Accident benefit of up to $1,000,000, reduced by any life benefit paid for the same event.

What's covered

Accidental death
Permanent total disablement
Loss of limbs, sight, speech or hearing (scaled)
Transport Accident benefit up to $1,000,000

What's not covered

Illness, disease or natural causes
Deliberate exposure to danger

Deductible : No deductible

Pays up to $1,000 a week, to a maximum of $12,000, if an injury suffered overseas stops you returning to your usual full-time job in New Zealand within 90 days. The first 30 days after you planned to go back to work are not paid.

What's covered

Weekly income replacement after an overseas injury

What's not covered

The first 30 days after your planned return to work
Illness or disease

No domestic cancellation cover. This benefit is not included with this card, and travel within New Zealand is excluded unless it is part of an international itinerary. Prepaid domestic flights and accommodation, such as a Queenstown ski week, are not reimbursable if you cancel.

What's not covered

Travel within New Zealand unless part of the international itinerary (general exclusion 29)

No domestic delay cover. This benefit is not included with this card. Meals and accommodation during a delayed or cancelled domestic flight are the cardholder's responsibility.

What's not covered

Travel within New Zealand unless part of the international itinerary (general exclusion 29)

No domestic disruption cover. This benefit is not included with this card. Extra accommodation and transport after a disruption on a trip within New Zealand are out of pocket.

What's not covered

Travel within New Zealand unless part of the international itinerary (general exclusion 29)

No domestic luggage cover. This benefit is not included with this card. Lost or stolen luggage on a trip within New Zealand is not reimbursable through this card.

What's not covered

Travel within New Zealand unless part of the international itinerary (general exclusion 29)

No domestic bag delay cover. This benefit is not included with this card. Essentials bought while your bag is delayed on a domestic flight are out of pocket.

What's not covered

Travel within New Zealand unless part of the international itinerary (general exclusion 29)

Policy document

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

Report an error Send updated PDF

Coverage Radar

Where the ANZ Airpoints Visa Platinum wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Trip cancellation: well above the market average

Overseas emergency dental: well above the market average

Medical repatriation: well above the market average

Compare

Airpoints Visa PlatinumThis card3.1/5?

$150/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$297 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the ANZ Airpoints Visa Platinum stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Airpoints Visa Platinum shoppers also consider.

Card	This card Airpoints Visa Platinum ANZ · $150/yr 3.1/5?	Low Rate Visa ANZ · $0/yr 0.0/5?	Visa Platinum Rewards ASB · $125/yr 3.2/5?	Platinum Card American Express · $850/yr 3.6/5?
Trip cancellation Per person, per trip cap	Unlimited All prepaid travel, no dollar cap	Not covered	Unlimited All prepaid deposits, no dollar cap	$30,000 per person All prepaid travel, $30,000 cap
Emergency medical Hospital bills abroad	Unlimited Unlimited under age 75	Not covered	Unlimited Unlimited, ages 75 and under	$5,000,000 Capped $5,000,000, overseas only
Emergency evacuation Air ambulance + repatriation	Unlimited Included in unlimited medical	Not covered	Unlimited Included in unlimited medical	$5,000,000 Approved by Chubb Assistance
Trip delay trigger Hours before benefits kick in	6h / $250 Trigger: 6 hours	Not covered	6h / $400 Trigger: more than 6 hours	4h / $650 Trigger: 4 hours
Trip interruption Covered amount	Unlimited Unlimited, broad list of events	Not covered	Unlimited Unlimited, broad list of events	$5,000 per person Trip change during the trip

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

Cardholder reviews

What cardholders say about the ANZ Airpoints Visa Platinum

Real experiences on travel cover and claims 4 reviews

u/beach-chicken10 (r/PersonalFinanceNZ)

July 2025

Claim approved in 2 hours

I use ANZ airpoints platinum. Generally decent exchange rates plus if you book / pay for majority of your trip on the credit card then you get free travel insurance My partner and I got Bali belly, ending up spending $3k on flight changes etc - insurance claim approved in 2 hours of submitting and paid out 100% of claimed value a couple of days later

FineWine (Geekzone)

May 2023

Certificate of insurance for a cruise

We are going on a 9 day island hopper cruise with P&O in August. We have ANZ Premium card travel insurance. We requested a Certificate of Insurance from ANZ as requested by P&O and had no trouble obtaining it. This is for two people.

lxsw20 (Geekzone)

June 2026

A claim form, and a GP check

Not sure what card you have but with ANZ Visa Platinum there is a form to fill out still. If you have preexisting conditions don't lie, they will check with your GP before payout.

u/thescullywag (r/PersonalFinanceNZ)

May 2025

Half the Amex earn rate, Koru passes gone

Terrible card. The airppints earn rate is half as much as Amex and they took away the bonus koru passes which was the only thing that made it worthwhile.

New Zealand Claims & Enquiries

0800 499 666

Free call within New Zealand · 8.30am to 5pm, Monday to Friday

Overseas Emergency Assistance (call collect)

+61 7 3305 7194

Call collect accepted · 24/7

Benefit administrator: Allianz Partners for Mitsui Sumitomo Insurance (ANZ)

Claims & pre-authorizations

How to make an Airpoints Visa Platinum claim

Step 1: Call the 24/7 emergency line before treatment where possible

If you are hurt or ill overseas, call Allianz Partners Emergency Assistance collect on +61 7 3305 7194 before you are admitted or treated. The policy wording says a claim can be declined if prior approval for hospitalisation was not sought when it was possible. Report lost or stolen items to the police, or to the airline, and get a written report.

Step 2: Lodge the claim with proof you met the activation rule

Lodge online at claimmanager.co.nz, call 0800 499 666 (+64 9 487 0823 from overseas) or email anzcardclaims@allianz-assistance.co.nz, and send full details in writing within 30 days of getting home. Include itemised bills, receipts, any police or airline report, and the card statement showing at least 50% of your prepaid travel costs went on the Airpoints Visa Platinum. A $200 excess comes off medical, additional expenses and baggage claims.

Step 3: If the insurer says no, take it to the IFSO Scheme

Start with Allianz Partners' internal dispute process on 0800 499 666 or DisputeResolution@allianzassistance.co.nz. If you reach deadlock, the Insurance & Financial Services Ombudsman Scheme (IFSO Scheme) reviews the complaint for free, usually within 3 months of deadlock, and can award up to $500,000 + GST.

You activate it by paying for at least 50% of your prepaid travel costs with the Airpoints Visa Platinum, and prepaid costs include air tickets, accommodation, car hire, tours, cruises and taxes. Holding the card is not enough. If the trip is booked with Airpoints Dollars or other points, at least 50% of your prepaid accommodation or other itinerary items must go on the card instead, and if the card isn't accepted or carries a surcharge, another ANZ account can be used. You also need to live in New Zealand, be a citizen or resident, and hold a return ticket within 90 days before you leave. There is no registration step: checkyourcover.co.nz only confirms you qualify.
The cardholder is covered, including additional cardholders on the same account, and so is a spouse, de facto or civil union partner travelling with them. Dependent children are covered when they travel with you, are under 19 and not in full-time work, or under 26 if they are full-time students who rely on you for support. The catch is the limits: children share the limits of the adult they travel with. One adult and two children get one $30,000 baggage limit between them, not three, while two adults travelling with two children get $60,000.
Yes, up to $6,000 for a hire car rented overseas. It reimburses the excess the rental company charges you after damage or theft, so it is an excess-reimbursement benefit and not a damage waiver. You must have been the driver (or had the car in your custody if it was stolen), rented from a licensed rental agency, kept to the rental agreement, and had the claim accepted by the vehicle's insurer. Campervans up to 4.5 tonnes count. Hires inside New Zealand are not covered unless they are part of an overseas trip's itinerary.
Claims on the ANZ platinum credit card travel insurance go to Allianz Partners, which manages the policy for the underwriter Mitsui Sumitomo: lodge online at claimmanager.co.nz, call 0800 499 666 or email anzcardclaims@allianz-assistance.co.nz. Tell them as soon as possible, and submit full details in writing within 30 days of getting home, with itemised bills, any police or airline report, and proof that at least 50% of your prepaid travel costs went on the card. A $200 excess comes off medical, additional expenses and baggage claims. If you disagree with the outcome, use Allianz Partners' internal dispute process first, then take it to the Insurance & Financial Services Ombudsman Scheme (IFSO Scheme), a free independent service, usually within 3 months of reaching deadlock. It can award up to $500,000 + GST.
The cover is strong, but five traps catch people. If less than 50% of your prepaid travel costs went on the card, there is no cover at all. Pre-existing medical conditions are not covered unless Allianz Partners assesses and accepts them before you leave. A trip longer than 90 days is not covered even for its first 90 days, unless an extension is agreed and paid for before departure. From age 75 there is no automatic medical cover. And trips within New Zealand, skiing outside resort boundaries and claims from general lockdowns or quarantine rules are excluded.
Yes, through its Epidemics and Pandemics benefit (section 1.5), although the policy wording never names COVID-19: it applies to any disease the World Health Organization or a government authority recognises as an epidemic or pandemic. If you or your travelling companion are diagnosed and can't start or finish the trip, the cancellation and additional expenses cover applies, and overseas medical treatment is carved back in too. Allianz Partners' own FAQ confirms cover for a positive COVID-19 test abroad, with a supervised RAT or PCR result or a doctor's certificate as proof. A New Zealand Government quarantine order on you personally pays $200 a day, up to $1,400 per adult. Lockdowns or isolation rules that apply to a whole population, ship or destination pay nothing.
Yes, inside ski resort boundaries: skiing and snowboarding on marked runs are not excluded, so the unlimited overseas medical cover applies to a fall, for travellers under 75, after a $200 excess. Going outside resort boundaries is excluded, Allianz Partners treats heli-skiing and snowcat skiing as excluded extreme sports, and any injury where you ignored safety warnings or skipped protective gear is not paid. Your own skis and snowboards are a weak spot: the baggage cover only pays for them if they are damaged in transit with a commercial carrier, or burnt or stolen from locked accommodation. There is no benefit for hired ski gear or an unused lift pass.
No, not automatically. The policy wording excludes any condition you knew about, and any condition you saw a doctor about or took medication for in the 12 months before you activated cover. You can ask Allianz Partners for a medical assessment on 0800 499 666 before the journey starts, and if they accept the condition you may have to pay a premium. Some conditions can never be covered, such as one with surgery planned or still under investigation. Skip the assessment and a claim linked to that condition is declined, even if the rest of the trip was covered.
Yes, with no dollar cap for travellers under 75: medical and repatriation expenses are listed as Unlimited, and emergency dental treatment too. That matters because ACC and New Zealand's public health system do not pay for treatment overseas, and a few nights in a Honolulu hospital can run to six figures. A $200 excess applies to medical claims, and costs must be reasonable. From age 75 there is no automatic medical cover, though you can apply to Allianz Partners for it before you go. Medical costs caused by a terrorist act are capped at $250,000.
Six hours. If circumstances outside your control delay your journey by at least six hours, the Airpoints Visa Platinum reimburses reasonable extra meals and accommodation up to $250 per adult for that first block. It then pays up to $250 per adult for each further full 24 hours of delay, with a $15,000 maximum. Keep receipts and written confirmation of the delay from the airline, because the claim needs both. The delay benefit cannot be claimed on top of cancellation or additional expenses for the same event, so pick the section that pays the most.