Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Argen na

"Outstanding Value"

Columbus Direct Travel Ins NZ Single Trip Standard 20000 100000 10005000000050000000 15000 500 4000

TINZ Comprehensive 50000.00 30000.00 2000.00UnlimitedUnlimited 30000.00 500.00 6000.00

Webjet NZ Plan A ‐ Comprehensive Unlimited 50000 2000UnlimitedUnlimited 10000 500 3000

Webjet NZ Plan B ‐ Essen als 10000 30000 200010000000Unlimited 6000 N/A 1000

1Cover Direct Insurance NZ Plan A ‐ Comprehensive Unlimited 50000 1000UnlimitedUnlimited 30000 500 5000

American Express NZ Interna onal Comprehensive 20000 50000 UnlimitedUnlimitedUnlimited 20000 500 3000

Cigna Insurance Comprehensive Travel Insurance 200000 100000 6000UnlimitedUnlimited 40000 750 2500

Columbus Direct Travel Ins NZ Single Trip Premier 40000 150000 20005000000050000000 20000 1000 5000

Countdown Comprehensive Travel Insurance 200000 100000 3000UnlimitedUnlimited 40000 750 2500

House of Travel NZ Online Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

NZ Travel Insurance Premier 50000 30000 6000UnlimitedUnlimited 20000 500 6000

Southern Cross Travel Ins NZ Travel Care Single Journey Policy Unlimited 50000 3000UnlimitedUnlimited 50000 500 5000

TINZ Essen als 20000.00 N/A 1000.00UnlimitedUnlimited 10000.00 N/A N/A

World Nomads NZ Standard 7000 N/A 1000100000010000000 4000 N/A N/A

Worldcare NZ Comprehensive Unlimited 50000 6000UnlimitedUnlimited 50000 1000 6000

Travel Insurance Star Ratings 2019 - Page1Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Argen na

AA Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

Air New Zealand Interna onal Single Trip Unlimited 100000 4000UnlimitedUnlimited 50000 1500 5000

Air Pacific Plan A ‐ Comprehensive Unlimited 50000 4000UnlimitedUnlimited 10000.00 500.00 3000

Air Pacific Plan B ‐ Essen als Unlimited N/A 4000UnlimitedUnlimited 10000.00 N/A 3000

AMI Insurance NZ Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

AMP Bank NZ Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

ANZ Bank NZ Travel Protector Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

BNZ Travel Insurance 200000 200000 3000UnlimitedUnlimited 40000 750 2500

Chubb Insurance NZ Comprehensive 30000 2000 UnlimitedUnlimitedUnlimited 20000 400 5000

Chubb Insurance NZ Essen als 20000 2000 UnlimitedUnlimitedUnlimited 10000 N/A N/A

Chubb Insurance NZ Pres ge Unlimited 2000 UnlimitedUnlimitedUnlimited 40000 400 3000

Cover‐More Travel Insurance NZ Essen als Plan ‐ IE N/A 10000 UnlimitedUnlimitedUnlimited 8000 500 N/A

Cover‐More Travel Insurance NZ YourCover Interna onal ‐ Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

Downunder Insurance NZ Backpackers 10000 N/A 1500UnlimitedUnlimited 6000 500 N/A

Downunder Insurance NZ Comprehensive 40000 50000 1500UnlimitedUnlimited 10000 500 N/A

nib NZ Interna onal Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

NZ Travel Insurance Essen als 10000 N/A N/A10000001000000 5000 N/A N/A

Travel Insurance Star Ratings 2019 - Page2Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Argen na

STA Travel NZ Basic Interna onal Plan A Unlimited 20000 200000002000000020000000 6000 N/A 5000

STA Travel NZ Comprehensive Interna onal Plan A Unlimited 50000 UnlimitedUnlimitedUnlimited 24000 400 5000

State Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

TINZ Comprehensive Plus Unlimited 50000.00 5000.00UnlimitedUnlimited 50000.00 500.00 6000.00

Tower Limited Cover4Travel (Plan B) Unlimited 100000 3000.00400000400000 20000 1000 2000

Travel Insurance Direct NZ Interna onal Trip Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

Virgin Australia NZ Comprehensive Plan Unlimited 50000 4000UnlimitedUnlimited 10000 500 3000

Virgin Australia NZ Essen als Plan Unlimited N/A 4000UnlimitedUnlimited 10000 N/A 3000

Westpac NZ Westpac TravelPlus Unlimited 32000.00 UnlimitedUnlimitedUnlimited 25000.00 500.00 10000.00

World Nomads NZ Explorer Unlimited 25000 1000UnlimitedUnlimited 20000 250 3000

Worldcare NZ Budget 10000 N/A N/A500000500000 4000 N/A N/A

AMP Bank NZ Essen als 10000 N/A 1000500000500000 10000 N/A 1000

Aon NZ Elite Unlimited 100000 UnlimitedUnlimitedUnlimited 40000 400 5000

House of Travel NZ Online Insurance Basic 10000 N/A 1000500000500000 10000 N/A 1000

AA Insurance Essen als 10000 N/A 1000500000500000 10000 N/A 1000

Travel Insurance Star Ratings 2019 - Page3Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Australia

"Outstanding Value"

House of Travel NZ Online Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

NZ Travel Insurance Premier 50000 30000 6000UnlimitedUnlimited 20000 500 6000

Southern Cross Travel Ins NZ Travel Care Single Journey Policy Unlimited 50000 3000UnlimitedUnlimited 50000 500 5000

Worldcare NZ Comprehensive Unlimited 50000 6000UnlimitedUnlimited 50000 1000 6000

Travel Insurance Star Ratings 2019 - Page4Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Australia

1Cover Direct Insurance NZ Plan A ‐ Comprehensive Unlimited 50000 1000UnlimitedUnlimited 30000 500 5000

AA Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

AMP Bank NZ Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

ANZ Bank NZ Travel Protector Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

BNZ Travel Insurance 200000 200000 3000UnlimitedUnlimited 40000 750 2500

House of Travel NZ Online Insurance Basic 10000 N/A 1000500000500000 10000 N/A 1000

NZ Travel Insurance Essen als 10000 N/A N/A10000001000000 5000 N/A N/A

TINZ Comprehensive 50000.00 30000.00 2000.00UnlimitedUnlimited 30000.00 500.00 6000.00

TINZ Comprehensive Plus Unlimited 50000.00 5000.00UnlimitedUnlimited 50000.00 500.00 6000.00

TINZ Essen als 20000.00 N/A 1000.00UnlimitedUnlimited 10000.00 N/A N/A

Travel Insurance Direct NZ Interna onal Trip Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

Webjet NZ Plan A ‐ Comprehensive Unlimited 50000 2000UnlimitedUnlimited 10000 500 3000

Webjet NZ Plan B ‐ Essen als 10000 30000 200010000000Unlimited 6000 N/A 1000

Worldcare NZ Budget 10000 N/A N/A500000500000 4000 N/A N/A

Travel Insurance Star Ratings 2019 - Page5Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Australia

AA Insurance Essen als 10000 N/A 1000500000500000 10000 N/A 1000

Air New Zealand Interna onal Single Trip Unlimited 100000 4000UnlimitedUnlimited 50000 1500 5000

American Express NZ Interna onal Comprehensive 20000 50000 UnlimitedUnlimitedUnlimited 20000 500 3000

AMI Insurance NZ Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

AMP Bank NZ Essen als 10000 N/A 1000500000500000 10000 N/A 1000

Chubb Insurance NZ Essen als 20000 2000 UnlimitedUnlimitedUnlimited 10000 N/A N/A

Cigna Insurance Comprehensive Travel Insurance 200000 100000 6000UnlimitedUnlimited 40000 750 2500

Columbus Direct Travel Ins NZ Single Trip Premier 40000 150000 20005000000050000000 20000 1000 5000

Columbus Direct Travel Ins NZ Single Trip Standard 20000 100000 10005000000050000000 15000 500 4000

Countdown Comprehensive Travel Insurance 200000 100000 3000UnlimitedUnlimited 40000 750 2500

Cover‐More Travel Insurance NZ Essen als Plan ‐ IE N/A 10000 UnlimitedUnlimitedUnlimited 8000 500 N/A

Cover‐More Travel Insurance NZ YourCover Interna onal ‐ Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

Downunder Insurance NZ Comprehensive 40000 50000 1500UnlimitedUnlimited 10000 500 N/A

nib NZ Interna onal Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

STA Travel NZ Basic Interna onal Plan A Unlimited 20000 200000002000000020000000 6000 N/A 5000

STA Travel NZ Comprehensive Interna onal Plan A Unlimited 50000 UnlimitedUnlimitedUnlimited 24000 400 5000

State Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

Travel Insurance Star Ratings 2019 - Page6Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Australia

Virgin Australia NZ Essen als Plan Unlimited N/A 4000UnlimitedUnlimited 10000 N/A 3000

Westpac NZ Westpac TravelPlus Unlimited 32000.00 UnlimitedUnlimitedUnlimited 25000.00 500.00 10000.00

Air Pacific Plan A ‐ Comprehensive Unlimited 50000 4000UnlimitedUnlimited 10000.00 500.00 3000

Chubb Insurance NZ Comprehensive 30000 2000 UnlimitedUnlimitedUnlimited 20000 400 5000

Chubb Insurance NZ Pres ge Unlimited 2000 UnlimitedUnlimitedUnlimited 40000 400 3000

Downunder Insurance NZ Backpackers 10000 N/A 1500UnlimitedUnlimited 6000 500 N/A

Tower Limited Cover4Travel (Plan A) Unlimited 100000.00 3000.00200000200000 20000 1000 2000

Virgin Australia NZ Comprehensive Plan Unlimited 50000 4000UnlimitedUnlimited 10000 500 3000

World Nomads NZ Explorer Unlimited 25000 1000UnlimitedUnlimited 20000 250 3000

Air Pacific Plan B ‐ Essen als Unlimited N/A 4000UnlimitedUnlimited 10000.00 N/A 3000

Aon NZ Elite Unlimited 100000 UnlimitedUnlimitedUnlimited 40000 400 5000

World Nomads NZ Standard 7000 N/A 1000100000010000000 4000 N/A N/A

Travel Insurance Star Ratings 2019 - Page7Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family China

"Outstanding Value"

NZ Travel Insurance Premier 50000 30000 6000UnlimitedUnlimited 20000 500 6000

Southern Cross Travel Ins NZ Travel Care Single Journey Policy Unlimited 50000 3000UnlimitedUnlimited 50000 500 5000

TINZ Comprehensive 50000.00 30000.00 2000.00UnlimitedUnlimited 30000.00 500.00 6000.00

Webjet NZ Plan A ‐ Comprehensive Unlimited 50000 2000UnlimitedUnlimited 10000 500 3000

Webjet NZ Plan B ‐ Essen als 10000 30000 200010000000Unlimited 6000 N/A 1000

American Express NZ Interna onal Comprehensive 20000 50000 UnlimitedUnlimitedUnlimited 20000 500 3000

AMP Bank NZ Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

ANZ Bank NZ Travel Protector Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

Columbus Direct Travel Ins NZ Single Trip Standard 20000 100000 10005000000050000000 15000 500 4000

House of Travel NZ Online Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

TINZ Comprehensive Plus Unlimited 50000.00 5000.00UnlimitedUnlimited 50000.00 500.00 6000.00

TINZ Essen als 20000.00 N/A 1000.00UnlimitedUnlimited 10000.00 N/A N/A

Travel Insurance Direct NZ Interna onal Trip Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

Worldcare NZ Comprehensive Unlimited 50000 6000UnlimitedUnlimited 50000 1000 6000

Travel Insurance Star Ratings 2019 - Page8Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family China

1Cover Direct Insurance NZ Plan A ‐ Comprehensive Unlimited 50000 1000UnlimitedUnlimited 30000 500 5000

AA Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

Air New Zealand Interna onal Single Trip Unlimited 100000 4000UnlimitedUnlimited 50000 1500 5000

Air Pacific Plan A ‐ Comprehensive Unlimited 50000 4000UnlimitedUnlimited 10000.00 500.00 3000

Air Pacific Plan B ‐ Essen als Unlimited N/A 4000UnlimitedUnlimited 10000.00 N/A 3000

AMI Insurance NZ Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

AMP Bank NZ Essen als 10000 N/A 1000500000500000 10000 N/A 1000

BNZ Travel Insurance 200000 200000 3000UnlimitedUnlimited 40000 750 2500

Chubb Insurance NZ Comprehensive 30000 2000 UnlimitedUnlimitedUnlimited 20000 400 5000

Chubb Insurance NZ Essen als 20000 2000 UnlimitedUnlimitedUnlimited 10000 N/A N/A

Chubb Insurance NZ Pres ge Unlimited 2000 UnlimitedUnlimitedUnlimited 40000 400 3000

Cigna Insurance Comprehensive Travel Insurance 200000 100000 6000UnlimitedUnlimited 40000 750 2500

Columbus Direct Travel Ins NZ Single Trip Premier 40000 150000 20005000000050000000 20000 1000 5000

Countdown Comprehensive Travel Insurance 200000 100000 3000UnlimitedUnlimited 40000 750 2500

Cover‐More Travel Insurance NZ Essen als Plan ‐ IE N/A 10000 UnlimitedUnlimitedUnlimited 8000 500 N/A

Cover‐More Travel Insurance NZ YourCover Interna onal ‐ Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

Downunder Insurance NZ Backpackers 10000 N/A 1500UnlimitedUnlimited 6000 500 N/A

Travel Insurance Star Ratings 2019 - Page9Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family China

Downunder Insurance NZ Comprehensive 40000 50000 1500UnlimitedUnlimited 10000 500 N/A

House of Travel NZ Online Insurance Basic 10000 N/A 1000500000500000 10000 N/A 1000

nib NZ Interna onal Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

NZ Travel Insurance Essen als 10000 N/A N/A10000001000000 5000 N/A N/A

STA Travel NZ Basic Interna onal Plan A Unlimited 20000 200000002000000020000000 6000 N/A 5000

STA Travel NZ Comprehensive Interna onal Plan A Unlimited 50000 UnlimitedUnlimitedUnlimited 24000 400 5000

State Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

Virgin Australia NZ Comprehensive Plan Unlimited 50000 4000UnlimitedUnlimited 10000 500 3000

Virgin Australia NZ Essen als Plan Unlimited N/A 4000UnlimitedUnlimited 10000 N/A 3000

Westpac NZ Westpac TravelPlus Unlimited 32000.00 UnlimitedUnlimitedUnlimited 25000.00 500.00 10000.00

World Nomads NZ Explorer Unlimited 25000 1000UnlimitedUnlimited 20000 250 3000

World Nomads NZ Standard 7000 N/A 1000100000010000000 4000 N/A N/A

Worldcare NZ Budget 10000 N/A N/A500000500000 4000 N/A N/A

AA Insurance Essen als 10000 N/A 1000500000500000 10000 N/A 1000

Aon NZ Elite Unlimited 100000 UnlimitedUnlimitedUnlimited 40000 400 5000

Tower Limited Cover4Travel (Plan B) Unlimited 100000 3000.00400000400000 20000 1000 2000

Travel Insurance Star Ratings 2019 - Page10Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Cruise Fiji

"Outstanding Value"

NZ Travel Insurance Premier 50000 30000 6000UnlimitedUnlimited 20000 500 6000

Southern Cross Travel Ins NZ Travel Care Single Journey Policy Unlimited 50000 3000UnlimitedUnlimited 50000 500 5000

TINZ Comprehensive 50000.00 30000.00 2000.00UnlimitedUnlimited 30000.00 500.00 6000.00

TINZ Essen als 20000.00 N/A 1000.00UnlimitedUnlimited 10000.00 N/A N/A

AA Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

AMP Bank NZ Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

ANZ Bank NZ Travel Protector Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

BNZ Travel Insurance 200000 200000 3000UnlimitedUnlimited 40000 750 2500

Countdown Comprehensive Travel Insurance 200000 100000 3000UnlimitedUnlimited 40000 750 2500

House of Travel NZ Online Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

TINZ Comprehensive Plus Unlimited 50000.00 5000.00UnlimitedUnlimited 50000.00 500.00 6000.00

Worldcare NZ Comprehensive Unlimited 50000 6000UnlimitedUnlimited 50000 1000 6000

Travel Insurance Star Ratings 2019 - Page11Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Cruise Fiji

1Cover Direct Insurance NZ Plan A ‐ Comprehensive Unlimited 50000 1000UnlimitedUnlimited 30000 500 5000

Air New Zealand Interna onal Single Trip Unlimited 100000 4000UnlimitedUnlimited 50000 1500 5000

Air Pacific Plan A ‐ Comprehensive Unlimited 50000 4000UnlimitedUnlimited 10000.00 500.00 3000

American Express NZ Interna onal Comprehensive 20000 50000 UnlimitedUnlimitedUnlimited 20000 500 3000

AMI Insurance NZ Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

AMP Bank NZ Essen als 10000 N/A 1000500000500000 10000 N/A 1000

Cigna Insurance Comprehensive Travel Insurance 200000 100000 6000UnlimitedUnlimited 40000 750 2500

Columbus Direct Travel Ins NZ Single Trip Premier 40000 150000 20005000000050000000 20000 1000 5000

Columbus Direct Travel Ins NZ Single Trip Standard 20000 100000 10005000000050000000 15000 500 4000

Cover‐More Travel Insurance NZ Essen als Plan ‐ IE N/A 10000 UnlimitedUnlimitedUnlimited 8000 500 N/A

Cover‐More Travel Insurance NZ YourCover Interna onal ‐ Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

Downunder Insurance NZ Comprehensive 40000 50000 1500UnlimitedUnlimited 10000 500 N/A

House of Travel NZ Online Insurance Basic 10000 N/A 1000500000500000 10000 N/A 1000

nib NZ Interna onal Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

NZ Travel Insurance Essen als 10000 N/A N/A10000001000000 5000 N/A N/A

STA Travel NZ Basic Interna onal Plan A Unlimited 20000 200000002000000020000000 6000 N/A 5000

STA Travel NZ Comprehensive Interna onal Plan A Unlimited 50000 UnlimitedUnlimitedUnlimited 24000 400 5000

Travel Insurance Star Ratings 2019 - Page12Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Cruise Fiji

State Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

Tower Limited Cover4Travel (Plan A) Unlimited 100000.00 3000.00200000200000 20000 1000 2000

Travel Insurance Direct NZ Interna onal Trip Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

Virgin Australia NZ Comprehensive Plan Unlimited 50000 4000UnlimitedUnlimited 10000 500 3000

Virgin Australia NZ Essen als Plan Unlimited N/A 4000UnlimitedUnlimited 10000 N/A 3000

Webjet NZ Plan A ‐ Comprehensive Unlimited 50000 2000UnlimitedUnlimited 10000 500 3000

Westpac NZ Westpac TravelPlus Unlimited 32000.00 UnlimitedUnlimitedUnlimited 25000.00 500.00 10000.00

World Nomads NZ Explorer Unlimited 25000 1000UnlimitedUnlimited 20000 250 3000

World Nomads NZ Standard 7000 N/A 1000100000010000000 4000 N/A N/A

Worldcare NZ Budget 10000 N/A N/A500000500000 4000 N/A N/A

Aon NZ Elite Unlimited 100000 UnlimitedUnlimitedUnlimited 40000 400 5000

Chubb Insurance NZ Comprehensive 30000 2000 UnlimitedUnlimitedUnlimited 20000 400 5000

Chubb Insurance NZ Essen als 20000 2000 UnlimitedUnlimitedUnlimited 10000 N/A N/A

AA Insurance Essen als 10000 N/A 1000500000500000 10000 N/A 1000

Air Pacific Plan B ‐ Essen als Unlimited N/A 4000UnlimitedUnlimited 10000.00 N/A 3000

Chubb Insurance NZ Pres ge Unlimited 2000 UnlimitedUnlimitedUnlimited 40000 400 3000

Travel Insurance Star Ratings 2019 - Page13Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Cruise New Zealand

"Outstanding Value"

House of Travel NZ Online Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

NZ Travel Insurance Premier 50000 30000 6000UnlimitedUnlimited 20000 500 6000

Worldcare NZ Comprehensive Unlimited 50000 6000UnlimitedUnlimited 50000 1000 6000

AMP Bank NZ Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

ANZ Bank NZ Travel Protector Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

House of Travel NZ Online Insurance Basic 10000 N/A 1000500000500000 10000 N/A 1000

NZ Travel Insurance Essen als 10000 N/A N/A10000001000000 5000 N/A N/A

Worldcare NZ Budget 10000 N/A N/A500000500000 4000 N/A N/A

Travel Insurance Star Ratings 2019 - Page14Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Cruise New Zealand

1Cover Direct Insurance NZ Domes c Travel Insurance Unlimited 50000 N/AN/AN/A 30000 N/A 5000

AA Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

Air New Zealand Domes c Comprehensive 20000 20000 N/AN/AN/A 10000 N/A 4000

AMI Insurance NZ Domes c Plan D 20000 20000 N/AN/AN/A 10000 N/A 4000

AMP Bank NZ Essen als 10000 N/A 1000500000500000 10000 N/A 1000

Chubb Insurance NZ Comprehensive 30000 2000 UnlimitedUnlimitedUnlimited 20000 400 5000

Chubb Insurance NZ Essen als 20000 2000 UnlimitedUnlimitedUnlimited 10000 N/A N/A

Chubb Insurance NZ Pres ge Unlimited 2000 UnlimitedUnlimitedUnlimited 40000 400 3000

Columbus Direct Travel Ins NZ Single Trip Premier 40000 150000 20005000000050000000 20000 1000 5000

Columbus Direct Travel Ins NZ Single Trip Standard 20000 100000 10005000000050000000 15000 500 4000

Cover‐More Travel Insurance NZ Domes c Plan D 20000 20000 N/AN/AN/A 10000 N/A 4000

State Domes c Plan D 20000 20000 N/AN/AN/A 10000 N/A 4000

TINZ Comprehensive 50000.00 30000.00 2000.00UnlimitedUnlimited 30000.00 500.00 6000.00

TINZ Comprehensive Plus Unlimited 50000.00 5000.00UnlimitedUnlimited 50000.00 500.00 6000.00

TINZ Essen als 20000.00 N/A 1000.00UnlimitedUnlimited 10000.00 N/A N/A

Travel Insurance Direct NZ Interna onal Trip Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

Virgin Australia NZ Domes c Plan Unlimited 50000 N/AN/AN/A 10000 N/A 3000

Travel Insurance Star Ratings 2019 - Page15Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Cruise New Zealand

Webjet NZ Domes c Unlimited 50000 N/AN/AN/A 10000 N/A 3000

Air Pacific Plan B ‐ Essen als Unlimited N/A 4000UnlimitedUnlimited 10000.00 N/A 3000

Aon NZ Elite Unlimited 100000 UnlimitedUnlimitedUnlimited 40000 400 5000

Downunder Insurance NZ Domes c Travel Insurance 20000 50000 N/AN/AN/A 10000 N/A 3000

AA Insurance Essen als 10000 N/A 1000500000500000 10000 N/A 1000

Travel Insurance Star Ratings 2019 - Page16Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Fiji

"Outstanding Value"

BNZ Travel Insurance 200000 200000 3000UnlimitedUnlimited 40000 750 2500

Southern Cross Travel Ins NZ Travel Care Single Journey Policy Unlimited 50000 3000UnlimitedUnlimited 50000 500 5000

TINZ Comprehensive 50000.00 30000.00 2000.00UnlimitedUnlimited 30000.00 500.00 6000.00

House of Travel NZ Online Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

NZ Travel Insurance Premier 50000 30000 6000UnlimitedUnlimited 20000 500 6000

TINZ Comprehensive Plus Unlimited 50000.00 5000.00UnlimitedUnlimited 50000.00 500.00 6000.00

TINZ Essen als 20000.00 N/A 1000.00UnlimitedUnlimited 10000.00 N/A N/A

Webjet NZ Plan A ‐ Comprehensive Unlimited 50000 2000UnlimitedUnlimited 10000 500 3000

Webjet NZ Plan B ‐ Essen als 10000 30000 200010000000Unlimited 6000 N/A 1000

Worldcare NZ Comprehensive Unlimited 50000 6000UnlimitedUnlimited 50000 1000 6000

Travel Insurance Star Ratings 2019 - Page17Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Fiji

1Cover Direct Insurance NZ Plan A ‐ Comprehensive Unlimited 50000 1000UnlimitedUnlimited 30000 500 5000

AA Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

American Express NZ Interna onal Comprehensive 20000 50000 UnlimitedUnlimitedUnlimited 20000 500 3000

AMI Insurance NZ Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

AMP Bank NZ Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

ANZ Bank NZ Travel Protector Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

Chubb Insurance NZ Comprehensive 30000 2000 UnlimitedUnlimitedUnlimited 20000 400 5000

Chubb Insurance NZ Essen als 20000 2000 UnlimitedUnlimitedUnlimited 10000 N/A N/A

Chubb Insurance NZ Pres ge Unlimited 2000 UnlimitedUnlimitedUnlimited 40000 400 3000

Cigna Insurance Comprehensive Travel Insurance 200000 100000 6000UnlimitedUnlimited 40000 750 2500

Columbus Direct Travel Ins NZ Single Trip Premier 40000 150000 20005000000050000000 20000 1000 5000

Columbus Direct Travel Ins NZ Single Trip Standard 20000 100000 10005000000050000000 15000 500 4000

Countdown Comprehensive Travel Insurance 200000 100000 3000UnlimitedUnlimited 40000 750 2500

Downunder Insurance NZ Backpackers 10000 N/A 1500UnlimitedUnlimited 6000 500 N/A

Downunder Insurance NZ Comprehensive 40000 50000 1500UnlimitedUnlimited 10000 500 N/A

House of Travel NZ Online Insurance Basic 10000 N/A 1000500000500000 10000 N/A 1000

nib NZ Interna onal Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

Travel Insurance Star Ratings 2019 - Page18Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Fiji

NZ Travel Insurance Essen als 10000 N/A N/A10000001000000 5000 N/A N/A

STA Travel NZ Comprehensive Interna onal Plan A Unlimited 50000 UnlimitedUnlimitedUnlimited 24000 400 5000

State Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

Tower Limited Cover4Travel (Plan A) Unlimited 100000.00 3000.00200000200000 20000 1000 2000

Travel Insurance Direct NZ Interna onal Trip Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

Virgin Australia NZ Comprehensive Plan Unlimited 50000 4000UnlimitedUnlimited 10000 500 3000

Virgin Australia NZ Essen als Plan Unlimited N/A 4000UnlimitedUnlimited 10000 N/A 3000

Westpac NZ Westpac TravelPlus Unlimited 32000.00 UnlimitedUnlimitedUnlimited 25000.00 500.00 10000.00

World Nomads NZ Explorer Unlimited 25000 1000UnlimitedUnlimited 20000 250 3000

World Nomads NZ Standard 7000 N/A 1000100000010000000 4000 N/A N/A

Worldcare NZ Budget 10000 N/A N/A500000500000 4000 N/A N/A

Travel Insurance Star Ratings 2019 - Page19Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Fiji

AA Insurance Essen als 10000 N/A 1000500000500000 10000 N/A 1000

Air New Zealand Interna onal Single Trip Unlimited 100000 4000UnlimitedUnlimited 50000 1500 5000

Air Pacific Plan A ‐ Comprehensive Unlimited 50000 4000UnlimitedUnlimited 10000.00 500.00 3000

Air Pacific Plan B ‐ Essen als Unlimited N/A 4000UnlimitedUnlimited 10000.00 N/A 3000

AMP Bank NZ Essen als 10000 N/A 1000500000500000 10000 N/A 1000

Aon NZ Elite Unlimited 100000 UnlimitedUnlimitedUnlimited 40000 400 5000

Cover‐More Travel Insurance NZ Essen als Plan ‐ IE N/A 10000 UnlimitedUnlimitedUnlimited 8000 500 N/A

Cover‐More Travel Insurance NZ YourCover Interna onal ‐ Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

STA Travel NZ Basic Interna onal Plan A Unlimited 20000 200000002000000020000000 6000 N/A 5000

Travel Insurance Star Ratings 2019 - Page20Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family France

"Outstanding Value"

Southern Cross Travel Ins NZ Travel Care Single Journey Policy Unlimited 50000 3000UnlimitedUnlimited 50000 500 5000

TINZ Comprehensive 50000.00 30000.00 2000.00UnlimitedUnlimited 30000.00 500.00 6000.00

TINZ Essen als 20000.00 N/A 1000.00UnlimitedUnlimited 10000.00 N/A N/A

Webjet NZ Plan A ‐ Comprehensive Unlimited 50000 2000UnlimitedUnlimited 10000 500 3000

Webjet NZ Plan B ‐ Essen als 10000 30000 200010000000Unlimited 6000 N/A 1000

1Cover Direct Insurance NZ Plan A ‐ Comprehensive Unlimited 50000 1000UnlimitedUnlimited 30000 500 5000

American Express NZ Interna onal Comprehensive 20000 50000 UnlimitedUnlimitedUnlimited 20000 500 3000

Downunder Insurance NZ Comprehensive 40000 50000 1500UnlimitedUnlimited 10000 500 N/A

nib NZ Interna onal Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

NZ Travel Insurance Premier 50000 30000 6000UnlimitedUnlimited 20000 500 6000

TINZ Comprehensive Plus Unlimited 50000.00 5000.00UnlimitedUnlimited 50000.00 500.00 6000.00

Travel Insurance Direct NZ Interna onal Trip Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

Worldcare NZ Comprehensive Unlimited 50000 6000UnlimitedUnlimited 50000 1000 6000

Travel Insurance Star Ratings 2019 - Page21Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family France

AA Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

Air New Zealand Interna onal Single Trip Unlimited 100000 4000UnlimitedUnlimited 50000 1500 5000

Air Pacific Plan A ‐ Comprehensive Unlimited 50000 4000UnlimitedUnlimited 10000.00 500.00 3000

Air Pacific Plan B ‐ Essen als Unlimited N/A 4000UnlimitedUnlimited 10000.00 N/A 3000

AMI Insurance NZ Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

AMP Bank NZ Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

AMP Bank NZ Essen als 10000 N/A 1000500000500000 10000 N/A 1000

ANZ Bank NZ Travel Protector Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

Aon NZ Elite Unlimited 100000 UnlimitedUnlimitedUnlimited 40000 400 5000

BNZ Travel Insurance 200000 200000 3000UnlimitedUnlimited 40000 750 2500

Chubb Insurance NZ Comprehensive 30000 2000 UnlimitedUnlimitedUnlimited 20000 400 5000

Chubb Insurance NZ Essen als 20000 2000 UnlimitedUnlimitedUnlimited 10000 N/A N/A

Chubb Insurance NZ Pres ge Unlimited 2000 UnlimitedUnlimitedUnlimited 40000 400 3000

Cigna Insurance Comprehensive Travel Insurance 200000 100000 6000UnlimitedUnlimited 40000 750 2500

Columbus Direct Travel Ins NZ Single Trip Premier 40000 150000 20005000000050000000 20000 1000 5000

Columbus Direct Travel Ins NZ Single Trip Standard 20000 100000 10005000000050000000 15000 500 4000

Countdown Comprehensive Travel Insurance 200000 100000 3000UnlimitedUnlimited 40000 750 2500

Travel Insurance Star Ratings 2019 - Page22Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family France

Cover‐More Travel Insurance NZ Essen als Plan ‐ IE N/A 10000 UnlimitedUnlimitedUnlimited 8000 500 N/A

Cover‐More Travel Insurance NZ YourCover Interna onal ‐ Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

Downunder Insurance NZ Backpackers 10000 N/A 1500UnlimitedUnlimited 6000 500 N/A

House of Travel NZ Online Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

NZ Travel Insurance Essen als 10000 N/A N/A10000001000000 5000 N/A N/A

STA Travel NZ Basic Interna onal Plan A Unlimited 20000 200000002000000020000000 6000 N/A 5000

STA Travel NZ Comprehensive Interna onal Plan A Unlimited 50000 UnlimitedUnlimitedUnlimited 24000 400 5000

State Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

Virgin Australia NZ Comprehensive Plan Unlimited 50000 4000UnlimitedUnlimited 10000 500 3000

Virgin Australia NZ Essen als Plan Unlimited N/A 4000UnlimitedUnlimited 10000 N/A 3000

Westpac NZ Westpac TravelPlus Unlimited 32000.00 UnlimitedUnlimitedUnlimited 25000.00 500.00 10000.00

World Nomads NZ Explorer Unlimited 25000 1000UnlimitedUnlimited 20000 250 3000

World Nomads NZ Standard 7000 N/A 1000100000010000000 4000 N/A N/A

Worldcare NZ Budget 10000 N/A N/A500000500000 4000 N/A N/A

AA Insurance Essen als 10000 N/A 1000500000500000 10000 N/A 1000

House of Travel NZ Online Insurance Basic 10000 N/A 1000500000500000 10000 N/A 1000

Travel Insurance Star Ratings 2019 - Page23Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family France

Tower Limited Cover4Travel (Plan C) Unlimited 100000.00 3000.00UnlimitedUnlimited 20000 1000 2000

Travel Insurance Star Ratings 2019 - Page24Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Indonesia

"Outstanding Value"

ANZ Bank NZ Travel Protector Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

BNZ Travel Insurance 200000 200000 3000UnlimitedUnlimited 40000 750 2500

NZ Travel Insurance Premier 50000 30000 6000UnlimitedUnlimited 20000 500 6000

Southern Cross Travel Ins NZ Travel Care Single Journey Policy Unlimited 50000 3000UnlimitedUnlimited 50000 500 5000

TINZ Comprehensive 50000.00 30000.00 2000.00UnlimitedUnlimited 30000.00 500.00 6000.00

TINZ Comprehensive Plus Unlimited 50000.00 5000.00UnlimitedUnlimited 50000.00 500.00 6000.00

TINZ Essen als 20000.00 N/A 1000.00UnlimitedUnlimited 10000.00 N/A N/A

Travel Insurance Star Ratings 2019 - Page25Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Indonesia

1Cover Direct Insurance NZ Plan A ‐ Comprehensive Unlimited 50000 1000UnlimitedUnlimited 30000 500 5000

Cigna Insurance Comprehensive Travel Insurance 200000 100000 6000UnlimitedUnlimited 40000 750 2500

Columbus Direct Travel Ins NZ Single Trip Premier 40000 150000 20005000000050000000 20000 1000 5000

Columbus Direct Travel Ins NZ Single Trip Standard 20000 100000 10005000000050000000 15000 500 4000

Countdown Comprehensive Travel Insurance 200000 100000 3000UnlimitedUnlimited 40000 750 2500

House of Travel NZ Online Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

Tower Limited Cover4Travel (Plan A) Unlimited 100000.00 3000.00200000200000 20000 1000 2000

Webjet NZ Plan A ‐ Comprehensive Unlimited 50000 2000UnlimitedUnlimited 10000 500 3000

Webjet NZ Plan B ‐ Essen als 10000 30000 200010000000Unlimited 6000 N/A 1000

Worldcare NZ Comprehensive Unlimited 50000 6000UnlimitedUnlimited 50000 1000 6000

Travel Insurance Star Ratings 2019 - Page26Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Indonesia

AA Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

Air New Zealand Interna onal Single Trip Unlimited 100000 4000UnlimitedUnlimited 50000 1500 5000

Air Pacific Plan A ‐ Comprehensive Unlimited 50000 4000UnlimitedUnlimited 10000.00 500.00 3000

Air Pacific Plan B ‐ Essen als Unlimited N/A 4000UnlimitedUnlimited 10000.00 N/A 3000

American Express NZ Interna onal Comprehensive 20000 50000 UnlimitedUnlimitedUnlimited 20000 500 3000

AMI Insurance NZ Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

AMP Bank NZ Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

AMP Bank NZ Essen als 10000 N/A 1000500000500000 10000 N/A 1000

Aon NZ Elite Unlimited 100000 UnlimitedUnlimitedUnlimited 40000 400 5000

Chubb Insurance NZ Comprehensive 30000 2000 UnlimitedUnlimitedUnlimited 20000 400 5000

Chubb Insurance NZ Essen als 20000 2000 UnlimitedUnlimitedUnlimited 10000 N/A N/A

Chubb Insurance NZ Pres ge Unlimited 2000 UnlimitedUnlimitedUnlimited 40000 400 3000

Cover‐More Travel Insurance NZ Essen als Plan ‐ IE N/A 10000 UnlimitedUnlimitedUnlimited 8000 500 N/A

Cover‐More Travel Insurance NZ YourCover Interna onal ‐ Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

Downunder Insurance NZ Backpackers 10000 N/A 1500UnlimitedUnlimited 6000 500 N/A

Downunder Insurance NZ Comprehensive 40000 50000 1500UnlimitedUnlimited 10000 500 N/A

nib NZ Interna onal Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

Travel Insurance Star Ratings 2019 - Page27Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Indonesia

NZ Travel Insurance Essen als 10000 N/A N/A10000001000000 5000 N/A N/A

STA Travel NZ Basic Interna onal Plan A Unlimited 20000 200000002000000020000000 6000 N/A 5000

STA Travel NZ Comprehensive Interna onal Plan A Unlimited 50000 UnlimitedUnlimitedUnlimited 24000 400 5000

State Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

Travel Insurance Direct NZ Interna onal Trip Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

Virgin Australia NZ Comprehensive Plan Unlimited 50000 4000UnlimitedUnlimited 10000 500 3000

Virgin Australia NZ Essen als Plan Unlimited N/A 4000UnlimitedUnlimited 10000 N/A 3000

Westpac NZ Westpac TravelPlus Unlimited 32000.00 UnlimitedUnlimitedUnlimited 25000.00 500.00 10000.00

World Nomads NZ Explorer Unlimited 25000 1000UnlimitedUnlimited 20000 250 3000

World Nomads NZ Standard 7000 N/A 1000100000010000000 4000 N/A N/A

Worldcare NZ Budget 10000 N/A N/A500000500000 4000 N/A N/A

AA Insurance Essen als 10000 N/A 1000500000500000 10000 N/A 1000

House of Travel NZ Online Insurance Basic 10000 N/A 1000500000500000 10000 N/A 1000

Travel Insurance Star Ratings 2019 - Page28Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Japan

"Outstanding Value"

American Express NZ Interna onal Comprehensive 20000 50000 UnlimitedUnlimitedUnlimited 20000 500 3000

Southern Cross Travel Ins NZ Travel Care Single Journey Policy Unlimited 50000 3000UnlimitedUnlimited 50000 500 5000

Webjet NZ Plan A ‐ Comprehensive Unlimited 50000 2000UnlimitedUnlimited 10000 500 3000

Webjet NZ Plan B ‐ Essen als 10000 30000 200010000000Unlimited 6000 N/A 1000

ANZ Bank NZ Travel Protector Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

Columbus Direct Travel Ins NZ Single Trip Premier 40000 150000 20005000000050000000 20000 1000 5000

Columbus Direct Travel Ins NZ Single Trip Standard 20000 100000 10005000000050000000 15000 500 4000

nib NZ Interna onal Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

NZ Travel Insurance Premier 50000 30000 6000UnlimitedUnlimited 20000 500 6000

STA Travel NZ Comprehensive Interna onal Plan A Unlimited 50000 UnlimitedUnlimitedUnlimited 24000 400 5000

Travel Insurance Direct NZ Interna onal Trip Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

Worldcare NZ Comprehensive Unlimited 50000 6000UnlimitedUnlimited 50000 1000 6000

Travel Insurance Star Ratings 2019 - Page29Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Japan

1Cover Direct Insurance NZ Plan A ‐ Comprehensive Unlimited 50000 1000UnlimitedUnlimited 30000 500 5000

AA Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

Air New Zealand Interna onal Single Trip Unlimited 100000 4000UnlimitedUnlimited 50000 1500 5000

Air Pacific Plan A ‐ Comprehensive Unlimited 50000 4000UnlimitedUnlimited 10000.00 500.00 3000

AMI Insurance NZ Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

AMP Bank NZ Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

BNZ Travel Insurance 200000 200000 3000UnlimitedUnlimited 40000 750 2500

Chubb Insurance NZ Comprehensive 30000 2000 UnlimitedUnlimitedUnlimited 20000 400 5000

Chubb Insurance NZ Essen als 20000 2000 UnlimitedUnlimitedUnlimited 10000 N/A N/A

Chubb Insurance NZ Pres ge Unlimited 2000 UnlimitedUnlimitedUnlimited 40000 400 3000

Cigna Insurance Comprehensive Travel Insurance 200000 100000 6000UnlimitedUnlimited 40000 750 2500

Cover‐More Travel Insurance NZ Essen als Plan ‐ IE N/A 10000 UnlimitedUnlimitedUnlimited 8000 500 N/A

Cover‐More Travel Insurance NZ YourCover Interna onal ‐ Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

Downunder Insurance NZ Backpackers 10000 N/A 1500UnlimitedUnlimited 6000 500 N/A

Downunder Insurance NZ Comprehensive 40000 50000 1500UnlimitedUnlimited 10000 500 N/A

House of Travel NZ Online Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

NZ Travel Insurance Essen als 10000 N/A N/A10000001000000 5000 N/A N/A

Travel Insurance Star Ratings 2019 - Page30Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Japan

STA Travel NZ Basic Interna onal Plan A Unlimited 20000 200000002000000020000000 6000 N/A 5000

State Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

TINZ Comprehensive 50000.00 30000.00 2000.00UnlimitedUnlimited 30000.00 500.00 6000.00

TINZ Comprehensive Plus Unlimited 50000.00 5000.00UnlimitedUnlimited 50000.00 500.00 6000.00

TINZ Essen als 20000.00 N/A 1000.00UnlimitedUnlimited 10000.00 N/A N/A

Virgin Australia NZ Comprehensive Plan Unlimited 50000 4000UnlimitedUnlimited 10000 500 3000

Virgin Australia NZ Essen als Plan Unlimited N/A 4000UnlimitedUnlimited 10000 N/A 3000

Westpac NZ Westpac TravelPlus Unlimited 32000.00 UnlimitedUnlimitedUnlimited 25000.00 500.00 10000.00

World Nomads NZ Explorer Unlimited 25000 1000UnlimitedUnlimited 20000 250 3000

World Nomads NZ Standard 7000 N/A 1000100000010000000 4000 N/A N/A

Worldcare NZ Budget 10000 N/A N/A500000500000 4000 N/A N/A

Travel Insurance Star Ratings 2019 - Page31Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family Japan

AA Insurance Essen als 10000 N/A 1000500000500000 10000 N/A 1000

Air Pacific Plan B ‐ Essen als Unlimited N/A 4000UnlimitedUnlimited 10000.00 N/A 3000

AMP Bank NZ Essen als 10000 N/A 1000500000500000 10000 N/A 1000

Aon NZ Elite Unlimited 100000 UnlimitedUnlimitedUnlimited 40000 400 5000

Countdown Comprehensive Travel Insurance 200000 100000 3000UnlimitedUnlimited 40000 750 2500

House of Travel NZ Online Insurance Basic 10000 N/A 1000500000500000 10000 N/A 1000

Tower Limited Cover4Travel (Plan C) Unlimited 100000.00 3000.00UnlimitedUnlimited 20000 1000 2000

Travel Insurance Star Ratings 2019 - Page32Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family South Africa

"Outstanding Value"

ANZ Bank NZ Travel Protector Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

House of Travel NZ Online Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

NZ Travel Insurance Premier 50000 30000 6000UnlimitedUnlimited 20000 500 6000

TINZ Comprehensive 50000.00 30000.00 2000.00UnlimitedUnlimited 30000.00 500.00 6000.00

TINZ Essen als 20000.00 N/A 1000.00UnlimitedUnlimited 10000.00 N/A N/A

Worldcare NZ Comprehensive Unlimited 50000 6000UnlimitedUnlimited 50000 1000 6000

1Cover Direct Insurance NZ Plan A ‐ Comprehensive Unlimited 50000 1000UnlimitedUnlimited 30000 500 5000

AMP Bank NZ Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

BNZ Travel Insurance 200000 200000 3000UnlimitedUnlimited 40000 750 2500

nib NZ Interna onal Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

NZ Travel Insurance Essen als 10000 N/A N/A10000001000000 5000 N/A N/A

TINZ Comprehensive Plus Unlimited 50000.00 5000.00UnlimitedUnlimited 50000.00 500.00 6000.00

Travel Insurance Direct NZ Interna onal Trip Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

Webjet NZ Plan A ‐ Comprehensive Unlimited 50000 2000UnlimitedUnlimited 10000 500 3000

Travel Insurance Star Ratings 2019 - Page33Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family South Africa

AA Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

Air New Zealand Interna onal Single Trip Unlimited 100000 4000UnlimitedUnlimited 50000 1500 5000

Air Pacific Plan A ‐ Comprehensive Unlimited 50000 4000UnlimitedUnlimited 10000.00 500.00 3000

American Express NZ Interna onal Comprehensive 20000 50000 UnlimitedUnlimitedUnlimited 20000 500 3000

AMI Insurance NZ Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

AMP Bank NZ Essen als 10000 N/A 1000500000500000 10000 N/A 1000

Chubb Insurance NZ Comprehensive 30000 2000 UnlimitedUnlimitedUnlimited 20000 400 5000

Chubb Insurance NZ Essen als 20000 2000 UnlimitedUnlimitedUnlimited 10000 N/A N/A

Chubb Insurance NZ Pres ge Unlimited 2000 UnlimitedUnlimitedUnlimited 40000 400 3000

Cigna Insurance Comprehensive Travel Insurance 200000 100000 6000UnlimitedUnlimited 40000 750 2500

Columbus Direct Travel Ins NZ Single Trip Premier 40000 150000 20005000000050000000 20000 1000 5000

Columbus Direct Travel Ins NZ Single Trip Standard 20000 100000 10005000000050000000 15000 500 4000

Countdown Comprehensive Travel Insurance 200000 100000 3000UnlimitedUnlimited 40000 750 2500

Cover‐More Travel Insurance NZ Essen als Plan ‐ IE N/A 10000 UnlimitedUnlimitedUnlimited 8000 500 N/A

Cover‐More Travel Insurance NZ YourCover Interna onal ‐ Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

Downunder Insurance NZ Backpackers 10000 N/A 1500UnlimitedUnlimited 6000 500 N/A

Downunder Insurance NZ Comprehensive 40000 50000 1500UnlimitedUnlimited 10000 500 N/A

Travel Insurance Star Ratings 2019 - Page34Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family South Africa

House of Travel NZ Online Insurance Basic 10000 N/A 1000500000500000 10000 N/A 1000

Southern Cross Travel Ins NZ Travel Care Single Journey Policy Unlimited 50000 3000UnlimitedUnlimited 50000 500 5000

STA Travel NZ Basic Interna onal Plan A Unlimited 20000 200000002000000020000000 6000 N/A 5000

STA Travel NZ Comprehensive Interna onal Plan A Unlimited 50000 UnlimitedUnlimitedUnlimited 24000 400 5000

State Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

Virgin Australia NZ Comprehensive Plan Unlimited 50000 4000UnlimitedUnlimited 10000 500 3000

Virgin Australia NZ Essen als Plan Unlimited N/A 4000UnlimitedUnlimited 10000 N/A 3000

Webjet NZ Plan B ‐ Essen als 10000 30000 200010000000Unlimited 6000 N/A 1000

Westpac NZ Westpac TravelPlus Unlimited 32000.00 UnlimitedUnlimitedUnlimited 25000.00 500.00 10000.00

World Nomads NZ Explorer Unlimited 25000 1000UnlimitedUnlimited 20000 250 3000

World Nomads NZ Standard 7000 N/A 1000100000010000000 4000 N/A N/A

Worldcare NZ Budget 10000 N/A N/A500000500000 4000 N/A N/A

AA Insurance Essen als 10000 N/A 1000500000500000 10000 N/A 1000

Air Pacific Plan B ‐ Essen als Unlimited N/A 4000UnlimitedUnlimited 10000.00 N/A 3000

Tower Limited Cover4Travel (Plan B) Unlimited 100000 3000.00400000400000 20000 1000 2000

Aon NZ Elite Unlimited 100000 UnlimitedUnlimitedUnlimited 40000 400 5000

Travel Insurance Star Ratings 2019 - Page35Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family United Kingdom

"Outstanding Value"

American Express NZ Interna onal Comprehensive 20000 50000 UnlimitedUnlimitedUnlimited 20000 500 3000

NZ Travel Insurance Premier 50000 30000 6000UnlimitedUnlimited 20000 500 6000

Southern Cross Travel Ins NZ Travel Care Single Journey Policy Unlimited 50000 3000UnlimitedUnlimited 50000 500 5000

TINZ Comprehensive 50000.00 30000.00 2000.00UnlimitedUnlimited 30000.00 500.00 6000.00

Webjet NZ Plan A ‐ Comprehensive Unlimited 50000 2000UnlimitedUnlimited 10000 500 3000

Webjet NZ Plan B ‐ Essen als 10000 30000 200010000000Unlimited 6000 N/A 1000

1Cover Direct Insurance NZ Plan A ‐ Comprehensive Unlimited 50000 1000UnlimitedUnlimited 30000 500 5000

ANZ Bank NZ Travel Protector Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

Chubb Insurance NZ Essen als 20000 2000 UnlimitedUnlimitedUnlimited 10000 N/A N/A

House of Travel NZ Online Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

STA Travel NZ Basic Interna onal Plan A Unlimited 20000 200000002000000020000000 6000 N/A 5000

TINZ Essen als 20000.00 N/A 1000.00UnlimitedUnlimited 10000.00 N/A N/A

Travel Insurance Direct NZ Interna onal Trip Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

Worldcare NZ Comprehensive Unlimited 50000 6000UnlimitedUnlimited 50000 1000 6000

Travel Insurance Star Ratings 2019 - Page36Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family United Kingdom

AA Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

Air New Zealand Interna onal Single Trip Unlimited 100000 4000UnlimitedUnlimited 50000 1500 5000

Air Pacific Plan A ‐ Comprehensive Unlimited 50000 4000UnlimitedUnlimited 10000.00 500.00 3000

Air Pacific Plan B ‐ Essen als Unlimited N/A 4000UnlimitedUnlimited 10000.00 N/A 3000

AMI Insurance NZ Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

AMP Bank NZ Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

AMP Bank NZ Essen als 10000 N/A 1000500000500000 10000 N/A 1000

BNZ Travel Insurance 200000 200000 3000UnlimitedUnlimited 40000 750 2500

Chubb Insurance NZ Comprehensive 30000 2000 UnlimitedUnlimitedUnlimited 20000 400 5000

Chubb Insurance NZ Pres ge Unlimited 2000 UnlimitedUnlimitedUnlimited 40000 400 3000

Cigna Insurance Comprehensive Travel Insurance 200000 100000 6000UnlimitedUnlimited 40000 750 2500

Columbus Direct Travel Ins NZ Single Trip Premier 40000 150000 20005000000050000000 20000 1000 5000

Columbus Direct Travel Ins NZ Single Trip Standard 20000 100000 10005000000050000000 15000 500 4000

Countdown Comprehensive Travel Insurance 200000 100000 3000UnlimitedUnlimited 40000 750 2500

Cover‐More Travel Insurance NZ Essen als Plan ‐ IE N/A 10000 UnlimitedUnlimitedUnlimited 8000 500 N/A

Cover‐More Travel Insurance NZ YourCover Interna onal ‐ Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

Downunder Insurance NZ Backpackers 10000 N/A 1500UnlimitedUnlimited 6000 500 N/A

Travel Insurance Star Ratings 2019 - Page37Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family United Kingdom

Downunder Insurance NZ Comprehensive 40000 50000 1500UnlimitedUnlimited 10000 500 N/A

House of Travel NZ Online Insurance Basic 10000 N/A 1000500000500000 10000 N/A 1000

nib NZ Interna onal Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

NZ Travel Insurance Essen als 10000 N/A N/A10000001000000 5000 N/A N/A

STA Travel NZ Comprehensive Interna onal Plan A Unlimited 50000 UnlimitedUnlimitedUnlimited 24000 400 5000

State Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

TINZ Comprehensive Plus Unlimited 50000.00 5000.00UnlimitedUnlimited 50000.00 500.00 6000.00

Virgin Australia NZ Comprehensive Plan Unlimited 50000 4000UnlimitedUnlimited 10000 500 3000

Virgin Australia NZ Essen als Plan Unlimited N/A 4000UnlimitedUnlimited 10000 N/A 3000

Westpac NZ Westpac TravelPlus Unlimited 32000.00 UnlimitedUnlimitedUnlimited 25000.00 500.00 10000.00

World Nomads NZ Explorer Unlimited 25000 1000UnlimitedUnlimited 20000 250 3000

World Nomads NZ Standard 7000 N/A 1000100000010000000 4000 N/A N/A

Worldcare NZ Budget 10000 N/A N/A500000500000 4000 N/A N/A

AA Insurance Essen als 10000 N/A 1000500000500000 10000 N/A 1000

Aon NZ Elite Unlimited 100000 UnlimitedUnlimitedUnlimited 40000 400 5000

Tower Limited Cover4Travel (Plan B) Unlimited 100000 3000.00400000400000 20000 1000 2000

Travel Insurance Star Ratings 2019 - Page38Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family USA

"Outstanding Value"

Southern Cross Travel Ins NZ Travel Care Single Journey Policy Unlimited 50000 3000UnlimitedUnlimited 50000 500 5000

TINZ Comprehensive 50000.00 30000.00 2000.00UnlimitedUnlimited 30000.00 500.00 6000.00

Webjet NZ Plan A ‐ Comprehensive Unlimited 50000 2000UnlimitedUnlimited 10000 500 3000

Webjet NZ Plan B ‐ Essen als 10000 30000 200010000000Unlimited 6000 N/A 1000

Travel Insurance Star Ratings 2019 - Page39Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family USA

1Cover Direct Insurance NZ Plan A ‐ Comprehensive Unlimited 50000 1000UnlimitedUnlimited 30000 500 5000

American Express NZ Interna onal Comprehensive 20000 50000 UnlimitedUnlimitedUnlimited 20000 500 3000

BNZ Travel Insurance 200000 200000 3000UnlimitedUnlimited 40000 750 2500

Chubb Insurance NZ Essen als 20000 2000 UnlimitedUnlimitedUnlimited 10000 N/A N/A

Columbus Direct Travel Ins NZ Single Trip Premier 40000 150000 20005000000050000000 20000 1000 5000

Columbus Direct Travel Ins NZ Single Trip Standard 20000 100000 10005000000050000000 15000 500 4000

Downunder Insurance NZ Comprehensive 40000 50000 1500UnlimitedUnlimited 10000 500 N/A

House of Travel NZ Online Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

NZ Travel Insurance Premier 50000 30000 6000UnlimitedUnlimited 20000 500 6000

TINZ Comprehensive Plus Unlimited 50000.00 5000.00UnlimitedUnlimited 50000.00 500.00 6000.00

TINZ Essen als 20000.00 N/A 1000.00UnlimitedUnlimited 10000.00 N/A N/A

Virgin Australia NZ Comprehensive Plan Unlimited 50000 4000UnlimitedUnlimited 10000 500 3000

Worldcare NZ Comprehensive Unlimited 50000 6000UnlimitedUnlimited 50000 1000 6000

Travel Insurance Star Ratings 2019 - Page40Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family USA

AA Insurance Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

Air New Zealand Interna onal Single Trip Unlimited 100000 4000UnlimitedUnlimited 50000 1500 5000

Air Pacific Plan A ‐ Comprehensive Unlimited 50000 4000UnlimitedUnlimited 10000.00 500.00 3000

Air Pacific Plan B ‐ Essen als Unlimited N/A 4000UnlimitedUnlimited 10000.00 N/A 3000

AMI Insurance NZ Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

AMP Bank NZ Comprehensive Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

ANZ Bank NZ Travel Protector Unlimited 100000 6000UnlimitedUnlimited 60000 1000 6000

Aon NZ Elite Unlimited 100000 UnlimitedUnlimitedUnlimited 40000 400 5000

Chubb Insurance NZ Comprehensive 30000 2000 UnlimitedUnlimitedUnlimited 20000 400 5000

Chubb Insurance NZ Pres ge Unlimited 2000 UnlimitedUnlimitedUnlimited 40000 400 3000

Cigna Insurance Comprehensive Travel Insurance 200000 100000 6000UnlimitedUnlimited 40000 750 2500

Countdown Comprehensive Travel Insurance 200000 100000 3000UnlimitedUnlimited 40000 750 2500

Cover‐More Travel Insurance NZ Essen als Plan ‐ IE N/A 10000 UnlimitedUnlimitedUnlimited 8000 500 N/A

Cover‐More Travel Insurance NZ YourCover Interna onal ‐ Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

Downunder Insurance NZ Backpackers 10000 N/A 1500UnlimitedUnlimited 6000 500 N/A

nib NZ Interna onal Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

NZ Travel Insurance Essen als 10000 N/A N/A10000001000000 5000 N/A N/A

Travel Insurance Star Ratings 2019 - Page41Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Family USA

STA Travel NZ Basic Interna onal Plan A Unlimited 20000 200000002000000020000000 6000 N/A 5000

STA Travel NZ Comprehensive Interna onal Plan A Unlimited 50000 UnlimitedUnlimitedUnlimited 24000 400 5000

State Interna onal Plan I N/A 30000 UnlimitedUnlimitedUnlimited 50000 1000 10000

Tower Limited Cover4Travel (Plan C) Unlimited 100000.00 3000.00UnlimitedUnlimited 20000 1000 2000

Travel Insurance Direct NZ Interna onal Trip Unlimited 50000 500UnlimitedUnlimited 24000 250 4000

Virgin Australia NZ Essen als Plan Unlimited N/A 4000UnlimitedUnlimited 10000 N/A 3000

Westpac NZ Westpac TravelPlus Unlimited 32000.00 UnlimitedUnlimitedUnlimited 25000.00 500.00 10000.00

World Nomads NZ Explorer Unlimited 25000 1000UnlimitedUnlimited 20000 250 3000

World Nomads NZ Standard 7000 N/A 1000100000010000000 4000 N/A N/A

Worldcare NZ Budget 10000 N/A N/A500000500000 4000 N/A N/A

AA Insurance Essen als 10000 N/A 1000500000500000 10000 N/A 1000

AMP Bank NZ Essen als 10000 N/A 1000500000500000 10000 N/A 1000

House of Travel NZ Online Insurance Basic 10000 N/A 1000500000500000 10000 N/A 1000

Travel Insurance Star Ratings 2019 - Page42Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.