No trip cancellation. This benefit is not included with this card. Prepaid flights, hotels and tours are not reimbursable if you cancel, and a non-refundable week in Tokyo for two commonly runs to several thousand dollars.
Does the Farmers Mastercard include travel insurance, or do you need your own?
Farmers·$50/year·Mastercard·None (no complimentary insurance)
0,0/5Independent review · verified October 2026
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Our Verdict · Travel Insurance
Our take on travel insurance for the Farmers Farmers Mastercard
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
Farmers Club Points on every swipe. No travel insurance at all. Here's what that means before you book. So, you're in a clinic in Bali with a fever and the front desk wants payment up front: the Farmers Mastercard can pay that bill, but nothing on the card pays you back. Most people assume a Mastercard comes with some cover for overseas trips. This one doesn't, and ACC (the Accident Compensation Corporation) and the public health system pay nothing for treatment outside New Zealand either. Short answer on Farmers Mastercard travel insurance: there is none, so overseas the card brings 1 Farmers Club Point per $10 spent and a 1.4% international transaction fee, nothing more. A standalone New Zealand travel policy usually covers overseas medical with no dollar cap, plus cancellation, delays and lost bags. If you travel overseas, buy that policy before you leave; if the card only ever sees the inside of a Farmers store, the missing cover will never cost you a cent.
What works on travel
- 1 Farmers Club Point per $10 spent overseas: holiday spending still builds towards Farmers Club vouchers
- Accepted wherever Mastercard is, with Apple Pay and contactless payments
- Up to 4 additional cardholders at no extra cost, so a travelling partner can carry their own card
Where travel breaks down
- No overseas medical cover: ACC and the public health system pay nothing for treatment overseas, so a hospital bill abroad is yours
- No cancellation, delay or baggage cover: every prepaid cost and every lost bag is on you
- 1.4% international transaction fee on overseas purchases, charged on the NZD converted value
- $50 annual fee, billed as $25 every 6 months, with no travel benefit attached to it
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 Farmers Farmers Mastercard Travel Insurance actually cover?
What's not covered
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
No overseas medical cover. This benefit is not included with this card. All medical costs overseas are the cardholder's responsibility, because ACC and the public health system don't pay for treatment overseas, and a few nights in a Honolulu hospital commonly run to six figures.
What's not covered
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
No evacuation cover. This benefit is not included with this card. Evacuation and repatriation costs are entirely the cardholder's responsibility, and an air ambulance from Bali to New Zealand commonly costs six figures.
What's not covered
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
No emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket, because ACC and the public health system don't pay for treatment overseas.
What's not covered
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
No hospital cash allowance. This benefit is not included with this card. No daily allowance is paid during a hospital stay overseas, so the incidental costs of an admission are yours to cover.
What's not covered
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
No additional expenses cover. This benefit is not included with this card. Extra accommodation and transport after a disruption, such as a cyclone closing Nadi airport, are the cardholder's responsibility.
What's not covered
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
No travel delay cover. This benefit is not included with this card. Meals, accommodation and transport during a long delay, such as an unplanned night in Honolulu, are the cardholder's responsibility.
What's not covered
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
No alternative transport. This benefit is not included with this card. The cost of alternative transport to reach a prepaid cruise, tour or event on time is out of pocket.
What's not covered
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
No return home cover. This benefit is not included with this card. The cost of flying home after a family emergency, and of resuming the trip afterwards, is out of pocket.
What's not covered
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
No luggage delay cover. This benefit is not included with this card. Clothes and toiletries bought while your bag is delayed, say on arrival in Rarotonga, are out of pocket.
What's not covered
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
No luggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags and belongings are the cardholder's responsibility.
What's not covered
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
No travel documents cover. This benefit is not included with this card. Replacing a lost passport or stolen cash overseas, including the extra travel to reach a consulate, is out of pocket.
What's not covered
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
No liability cover. This benefit is not included with this card. Legal liability for injuring someone or damaging property overseas is uninsured, and claims of this kind commonly reach hundreds of thousands of dollars.
What's not covered
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
No accidental death cover. This benefit is not included with this card. No lump sum is paid to you or your estate if an accident on the trip causes death or permanent disablement.
What's not covered
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
No income protection. This benefit is not included with this card. Injured in Bali and off work for 8 weeks on your return, you get no income replacement from this card, and ACC weekly compensation only applies to injuries ACC covers.
What's not covered
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
No domestic cancellation. This benefit is not included with this card. Prepaid domestic flights and accommodation, such as a Queenstown ski week, are not reimbursable if you cancel.
What's not covered
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
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
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
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
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
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
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
No domestic bag delay. 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
- The Farmers Mastercard carries no complimentary insurance, so this situation is uninsured whatever the circumstances.
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the Farmers Farmers Mastercard wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Trip cancellation: not covered by this card
Medical fees abroad: not covered by this card
Medical repatriation: not covered by this card
Compare
Farmers MastercardThis card0.0/5?
$50/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$297 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Farmers Farmers Mastercard stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Farmers Mastercard shoppers also consider.
| Card | This card Farmers Mastercard Farmers · $50/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 | Not covered Cover this gap → | Unlimited All prepaid deposits, no dollar cap | $30,000 per person All prepaid travel, $30,000 cap | |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | Unlimited Unlimited, ages 75 and under | $5,000,000 Capped $5,000,000, overseas only | |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | Unlimited Included in unlimited medical | $5,000,000 Approved by Chubb Assistance | |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | 6h / $400 Trigger: more than 6 hours | 4h / $650 Trigger: 4 hours | |
Trip interruption Covered amount | Not covered Cover this gap → | 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 Farmers Farmers Mastercard
SQ
Squibbly (ChoiceCheapies)
Low 1.4% foreign currency conversion fee
Just make sure you don't get charged interest :) Although the Foreign Currency conversion fee is quite low at 1.4%
Emergency · Card assistance line
How to contact Farmers Farmers Mastercard assistance?
Farmers Mastercard customer service
0800 990 077
Free call within New Zealand · 8.30am to 6pm, Monday to Saturday
Farmers Mastercard from overseas (no emergency assistance line)
+64 9 953 0556
International call · 8.30am to 6pm New Zealand time, Monday to Saturday
Benefit administrator: None: no complimentary insurance (card issued by Columbus Financial Services, humm group)
Claims & pre-authorizations
No insurance claim on the Farmers Mastercard: what to do instead
1
Step 1: Buy a standalone travel policy before you leave New Zealand
The Farmers Mastercard has no complimentary travel insurance, so there is no policy to activate and no claims line to call. Buy a standalone travel policy before departure, and add snow sports or rental excess cover if your trip needs them. Save that insurer's 24/7 emergency number in your phone before you fly.
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Step 2: Claim with your own travel insurer, not with Farmers Mastercard
If something goes wrong overseas, call your travel insurer's emergency line before treatment where you can, and keep itemised bills, receipts and any police or airline report. You can still pay with the Farmers Mastercard, but the claim goes to the insurer that sold you the policy.
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Step 3: Card account problems go to humm, then to FSCL
For a problem with the card itself, contact the complaints team at Columbus Financial Services (humm group) through 0800 990 077 or in writing to Private Bag 94013, Auckland 2241. It aims to resolve complaints within 20 working days. If it can't, Financial Services Complaints Ltd (FSCL), a free independent dispute resolution scheme, can review the complaint.
FAQ
What people ask about the Farmers Farmers Mastercard
- There is nothing to activate: the Farmers Mastercard does not come with complimentary travel insurance. Its benefits are Farmers Club Points (1 point for every $10 spent), up to 55 days interest free on purchases, Long Term Finance deals at Farmers and up to 4 additional cardholders at no extra cost. Paying for flights or accommodation with the card earns points, but it does not switch on any cover, because there is no policy wording (the insurer's full policy document) behind the card. If you are travelling overseas, buy a standalone travel policy before you leave New Zealand, since ACC and the public health system pay nothing for treatment overseas.
- Nobody, because the Farmers Mastercard carries no complimentary insurance of any kind. That applies to the primary cardholder and to the up to 4 additional cardholders the account allows at no extra cost. Holding a Farmers Mastercard gives a spouse, partner or child travelling with you no medical, cancellation or baggage cover. If several of you are travelling, a standalone family or couple travel policy is the way to cover everyone, and it is worth checking that it includes every traveller's age and any planned activities, such as skiing or diving.
- No, the Farmers Mastercard does not reimburse rental car excess, whether you hire overseas or in New Zealand. The excess is the amount the rental company charges you after damage to or theft of a hire car, and on this card it stays entirely with you. Paying the hire charge with the card earns Farmers Club Points (1 per $10), but it does not add any cover. Before you pick up the keys, choose between the hire company's excess-reduction option and a standalone rental excess policy, and compare the daily cost of the two on the length of your hire.
- You can't make an insurance claim on the Farmers Mastercard, because the card has no complimentary insurance and no insurer behind it. If you bought a standalone travel policy, the claim goes to that insurer: call its emergency line before treatment where you can, and keep itemised bills, receipts and any police or airline report. For a problem with the card account itself, contact the issuer, Columbus Financial Services (humm group), on 0800 990 077. If its complaints team cannot resolve it within 20 working days, Financial Services Complaints Ltd (FSCL), a free independent dispute resolution scheme, can review the complaint.
- The Farmers Mastercard carries no complimentary insurance, so it covers none of the situations a travel or purchase policy would. There is no overseas medical or evacuation cover, no trip cancellation, no travel delay or baggage cover, and no rental car excess. Skiing and snowboarding are not covered either, and there is no purchase protection, extended warranty or mobile phone cover at home. The gap that costs most is medical: ACC and the public health system pay nothing for treatment overseas, so a hospital stay in Honolulu is billed to you in full unless you bought a standalone travel policy before leaving.
- No, the Farmers Mastercard has no snow sports cover, and there is no add-on to buy through the card. A ski injury overseas, a mountain rescue, lost or damaged skis and an unused lift pass are all out of pocket. ACC does not pay for an injury treated overseas, so a fracture on a ski field in Japan quickly reaches five figures. If you are planning a snow trip abroad, buy a standalone travel policy with its snow sports option before you go, and check that it covers the runs you plan to ski, because off-piste skiing is often excluded.
- Yes, if you travel overseas you need separate travel insurance, because the Farmers Mastercard includes none. The card works abroad wherever Mastercard is accepted, and earns 1 Farmers Club Point per $10, but every overseas purchase carries a 1.4% international transaction fee and there is no cover for medical bills, cancellation, delays or lost luggage. A standalone New Zealand travel policy usually covers overseas medical with no dollar cap. Buy it as soon as you book, because cancellation cover only protects you from the date the policy starts.
- The Farmers Mastercard replaced the Farmers Finance Card: in March 2019, Farmers announced it would turn its long-standing Farmers Finance Card into the new Farmers Mastercard. The change moved the store card onto the Mastercard network, so it now works wherever Mastercard is accepted, with Apple Pay, and earns 1 Farmers Club Point for every $10 spent. The card is run by humm group through Columbus Financial Services. What did not change is insurance: neither card came with complimentary travel cover, so overseas trips still need a standalone policy.
- Every purchase made overseas, or online in a foreign currency, carries an international transaction fee of 1.4% of the New Zealand dollar converted value. Withdrawing cash from an ATM overseas costs a $3 fee, more at a teller, and cash advances are charged 29.50% p.a. interest, compared with 28.50% p.a. on purchases once an interest-free period ends. The account fee is $50 a year, charged as $25 every 6 months. None of these fees buys any travel insurance, so budget for a standalone policy on top.
Not just Farmers
Other cards worth considering
Farmers Mastercard is a strong choice — but depending on what you prioritize, one of these may suit you better.
Low Rate Visa
ANZ
Warehouse Money Visa
Warehouse Money
Zero Visa
Kiwibank
CashBack Visa Platinum
ANZ
Not sure how card insurance works? Read our guide to credit card travel insurance