man with backpack on looking concerned talking on his mobile about TSB domestic travel insurance.

Domestic Travel Insurance²

Planning a trip within New Zealand? Your TSB Platinum Mastercard includes selected travel insurance cover for eligible domestic journeys. 

What’s covered
  • Cancellation cover: Up to $10,000 for eligible, non-refundable travel and accommodation costs if your journey is unexpectedly cancelled, rescheduled or shortened.
  • Travel delay cover: Up to $1,000 for reasonable additional meals and accommodation if your travel is delayed by at least six hours.
  • Eligible family members: Your partner and dependent children may also be covered when they travel with you.
  • Trips of up to 90 days: Cover for eligible domestic journeys lasting up to 90 consecutive days.
  • Selected epidemic and pandemic cover, including Covid-19. ³
What’s not covered

Some common things this insurance does not cover include: 

  • Medical expenses
  • Baggage or personal money
  • Personal liability
  • Transport accidents
  • Accidental death or disability
woman standing in airport with backpack on looking at her phone

International Travel Insurance

Heading overseas? Your TSB Platinum Mastercard includes travel insurance for a range of costs and unexpected events when you meet the requirements for cover.

What’s covered 

  • Cancellation and travel disruption: Eligible cancellation and additional travel expenses, up to $10,000 for each benefit, plus travel delay cover of up to $1,000. Age restrictions apply. 

  • Overseas medical treatment: Eligible hospital, medical, repatriation and emergency dental expenses. Age restrictions and sub-limits apply.  

  • Accidental death or permanent disability: Up to $100,000 per insured adult, with sub-limits for dependent children and events involving terrorism.  

  • Baggage and essential items: Up to $4,000 for personal baggage items, with per item sub-limits, and up to $1,500 for emergency essential replacement items when your baggage is delayed over a certain period of time while you are overseas.    

  • Travel documents and money: Up to $500 for the replacement of travel documents and $250 for personal money.  

  • Personal liability: Up to $675,000, plus up to $13,000 for eligible defence costs.  

  • Transport accidents: Up to $675,000 for an eligible fatal injury involving specified public transport paid for in full with their TSB Platinum Mastercard.  

  • Epidemic and pandemic cover3: Cover for specified events, such as you or your travelling companion being diagnosed with an epidemic or pandemic disease. 

What’s not covered 

Some common things this insurance does not cover include:  

  • Pre-existing medical conditions unless Allianz Partners has assessed and accepted to cover the condition in writing and you have paid any applicable premium. 

  • Medical treatment that was planned, ongoing before departure or the reason for travelling.  

  • Events you knew about before booking or activating your cover.  

  • Choosing not to travel, voluntarily changing your plans or travelling against medical advice or official government travel warnings.  

  • Broad lockdowns, government alert-level changes or generally applied quarantine restrictions.  

  • War, or any act of war, whether declared or not, government intervention and most terrorism-related losses, except where the policy provides a specific benefit.  

  • Losses you could reasonably prevent, including unattended or unsecured belongings, damage from wear and tear and losses caused by being under the influence of intoxicating liquor, drugs or substance except a drug prescribed to you. 

IMPORTANT

If you’re 75 or older

If you are aged 75 or above at the start date of your period of insurance for any journey under this insurance policy, you do not have automatic cover under: 

  • ‘Section 2: Medical benefits’; and 

  • ‘Section 1: Cancellation and travel disruption benefits’ for any claims arising directly or indirectly from your medical condition(s) or signs or symptoms, regardless of whether or not they are a pre-existing medical condition. 


You can apply to Allianz Partners for additional cover through a medical assessment.

See the FAQ below for more information >
 

How to get travel insurance for your journey

To activate your cover, you need to purchase at least 50% of your pre-paid travel expenses on your TSB Platinum Mastercard.

Your TSB Platinum Mastercard card must be current for the entire period of insurance.

What is an eligible travel expense?

These can include, but aren't limited to:

  • Flights and other transport
  • Accommodation
  • Car rental
  • Pre-paid tours
  • Cruises
  • Taxes
  • Other pre-paid travel costs purchased before your journey starts (as shown on your itinerary).

What if someone else paid for my trip?

If you don’t have pre-paid travel expenses because your trip was gifted, won or purchased for you, you may still be eligible for cover.

This doesn’t apply to business trips paid for by your employer or business, and your TSB Platinum Mastercard must be current for the entire period of insurance.

Eligibility can depend on your circumstances, so call Allianz Partners on 0800 800 357 to confirm whether you’re covered. They’re available 8.30am–5pm Monday to Friday, except public holidays.

Hands holding a smartphone and TSB card checking their banking account

Need to make a travel insurance claim?

Start your claim online and Allianz Partners will guide you through the next steps.

Before you start
  • Have your documents ready. This may include your travel itinerary, receipts, invoices, flight or medical information and bank account details. You can upload clear photos if you’re unable to scan them.
  • Allow 15–30 minutes. You can save your claim and come back later if you need more time.
  • Protect your card details. Don’t upload credit card statements or images showing your card information. If a statement supports your claim, Allianz Partners will explain how to provide it securely.

If you need help with your claim, call Allianz Partners on 0800 800 357 between 8.30am and 5pm Monday to Friday, except public holidays.

Start a claim online

Emergency travel assistance

Need urgent help while you’re overseas? 

Allianz Partners’ Emergency Assistance team is available 24 hours a day, 7 days a week. You can reverse the call charges from anywhere in the world.

Call +64 9 486 6868

General travel insurance enquiries

Have a question about your travel insurance? 

Contact the Allianz Partners Customer Care Team by phone, between 8.30am and 5pm Monday to Friday, except public holidays, or by email.

Call 0800 800 357 Email Allianz

Frequently asked questions

These FAQs provide general guidance only. For full details of your cover, including eligibility, limits and exclusions, check the TSB Credit Mastercard Insurance Terms and Conditions.

If you have any questions about your cover, you can call the Allianz Partners Customer Care Team on 0800 800 357 between 8.30am and 5pm Monday to Friday, except public holidays.

General FAQs

Planning your trip

Pre-existing medical conditions

Cover if you’re 75 years or older

Epidemic and pandemic cover

Important information
  1. Terms, conditions, limits, sub-limits, exclusions and eligibility criteria apply. See the TSB Credit Mastercard Insurance Terms and Conditions for full details. 
  2. If you’re travelling on a domestic journey within New Zealand, you only have cover under Section 1.1 Cancellation of Journey and Section 1.3 Travel Delay. If you’re travelling on an international journey, you have cover under all sections of this policy. 

  3. There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation that applies generally or broadly to some or all of a population, vessel or geographical area, or based on where you’re travelling to, from or through. As with any travel insurance, disinclination to travel due to fear or change of mind is not covered. 

    TSB Platinum Mastercard Travel Insurance is underwritten by Mitsui Sumitomo Insurance Company, Limited (MSI), FSP Number 20661 (Incorporated in Japan). AWP Services New Zealand Limited trading as Allianz Partners (AWP) holds a binding authority from MSI to issue and manage contracts of insurance and to deal with or settle claims on MSI’s behalf.

    You should read the Policy Wording and consider obtaining independent legal or financial advice before making any decisions about this insurance. Terms, conditions, limits, sub-limits, exclusions (such as age limitations) and eligibility criteria apply. See the TSB Credit Mastercard Insurance Terms and Conditions for details. 

Mitsui Sumitomo Insurance Company, Limited - Financial Strength Rating.

Mitsui Sumitomo Insurance Company, Limited has a financial strength rating of A+ (Stable) given by S&P Global Ratings.

The Standard & Poor's rating scale is:

AAA Extremely Strong                   BBB Good                CCC Very Weak                    SD Selective Default
AA Very Strong                              BB Marginal              CC Extremely weak               D Default
A Strong                                         B Weak                     C Regulatory Action               NR Not Rated


The rating may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.
Further information on the S&P Global ratings is available here.

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