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.

WhenWe 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 on the next page.
You go skiing or snowboarding
If you are skiing, snowboarding or participating in any snow sports you must add this option on the next page to be covered by the Policy including Medical, Cancellation and Additional Expenses.
Optional
$1,000 piste closure
$1,000 pre-paid costs
$1,500 equipment replacement
$2,000 hire equipment

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