Travel Insurance Direct - What we cover

What we cover | What we don't cover

We want people to go, explore the world, and return home safely without ever having needed to call us. But TID gets to see all the unexpected things that happen to people overseas every single day so our policy is designed to cover such events, making it helpful, easy and great value.

Each plan has different policy benefits. You can compare the benefits in the table below. Like all travel insurance policies they don't cover everything. You should read the PDS carefully to ensure you select the cover that is best for you.

When	We pay
You need Medical Help for Sudden Illness, including unexpected issues relating to 43 Existing Medical Conditions.	Unlimited Overseas Medical Expenses including hospitals, ambulance, doctors and evacuation for up to a year after the sudden illness first appeared, and repatriation home if required.
You are in an Accident and sustain a Serious Injury	Unlimited Overseas Medical Expenses including hospitals, ambulance, doctors and evacuation for up to a year after the injury first occurred, and repatriation home if required.
You need Medical Evacuation due to Sudden Illness or Serious Injury	Unlimited Medical Evacuation to the nearest appropriate medical facility, or repatriation home, for up to a year after first onset of a sudden illness or the serious injury.
Your Passport or Travel Documents are lost or stolen	Unlimited Cancellation Costs and Additional Expenses
Your Luggage & personal effects are stolen, Accidentally lost or damaged	$12,000 single / $24,000 family Laptops, tablets & cameras are covered up to $4,000 & all other items up to $700 or you can add other valuable items as an option.
You have to cancel your trip due to unforeseeable events outside of Your control (e.g. Sudden Illness)	Unlimited Cancellation Costs (e.g. loss of deposit)
Your Flight is cancelled or delayed due to bad weather, natural disaster, riot, hijacking, strike or civil commotion	Unlimited Cancellation Costs (e.g. loss of deposit) and Additional Expenses (e.g. additional accommodation expenses)
You have to return home early due to unforeseeable events outside of Your control (e.g. a close relative is hospitalised due to Serious Injury; or Your home is destroyed by fire)	Unlimited Cancellation Costs (e.g. loss of deposit) and Additional Expenses (e.g. additional travel expenses). In certain circumstances, we may also pay for you to resume Your trip (up to $3,000).
Your Credit Cards are lost, stolen or used fraudulently	$2,000 for financial losses
You become Legally Liable when Your negligence leads to injury or loss/damage to property (Personal Liability).	$2,500,000 for amounts that You are legally liable for (i.e. compensation) as well as Reasonable legal costs
A Natural Disaster means Your flight or other pre-booked public transport is cancelled, delayed or rescheduled	Unlimited Cancellation Costs and Additional Expenses (e.g. additional accommodation expenses)
Bad Weather means Your flight or other pre-booked public transport is cancelled, delayed or rescheduled	Unlimited Cancellation Costs and Additional Expenses (e.g. additional accommodation expenses)
You Die whilst on Your Trip due to Sudden Illness or Serious Injury	Unlimited Cancellation Costs and Additional Expenses. Also, we will repatriate Your remains to New Zealand (up to $12,000) if needed. Where Your death is as a direct result of an Injury on Your Trip we will also pay $25,000 to Your estate.
You suffer from Loss Of Income due to an Accidental Injury on Your Trip	$10,000 towards Your income
You suffer a Total Permanent Disability due to an accidental injury on Your trip	$12,500 as a benefit
Your bags are Delayed by the airline or other Carrier	$500 for essential items to tide you over until Your baggage arrives
Your Travel Is Delayed For Operational Reasons (e.g. if the Airline delays Your flight due to mechanical reasons)	$2,000 for any Reasonable additional meals and accommodation; or refund of pre-paid travel arrangements
You have to pay Rental Car Excess when Your Rental Vehicle is in an accident, is damaged or stolen	$4,000 You can increase the Rental Vehicle excess by paying an additional premium.
You go skiing or snowboarding Cover is available for many snow sports under the Policy on all of our Plans.	Single Benefits $500 piste closure $200 pre-paid costs $200 equipment replacement

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What we cover | What we don't cover

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