House of Travel Travel Insurance for Business & Leisure

Travel Insurance FAQs

• 1. Is it cheaper to buy travel insurance a few days before I depart?

  No, travel insurance is the same price if you buy it straight away, or on the day of departure. Delaying the purchase simply leaves you uninsured for the travel funds you have just invested. More than a third of all claim costs paid by Allianz Global Assistance are for customers that were unable to travel due to unexpected events, so we strongly recommend to everyone to take out travel insurance on the day you pay your deposit.
  
  

• 2. Are all travel insurance policies the same?

  No, travel insurance policies can vary greatly, so it is very important that travellers check through and make sure that the policy suits your needs.
  
  

• 3. Do I need travel insurance if I am only going to Australia or the Pacific Islands?

  Yes, travel insurance is needed for all international travel. Some people assume that they don’t need travel insurance because New Zealand has a reciprocal health agreement with Australia. However, not all health costs are covered, including ambulance call outs, doctor visits or private hospitalisation.

  As there are no reciprocal health agreements in place with the South Pacific nations, any healthcare costs need to be paid for. Even relatively small injuries or illness can run into thousands of dollars.
  
  

• 4. Are there differences in policies sold online to those sold in-store at House of Travel?

  Yes, policy terms & conditions will vary, including the House of Travel online policy offered by Mix & Match. We recommend that travellers check through and make sure that the policy suits your needs.
  
  

• 5. What do I need to look out for when buying a travel insurance policy?

  Travel insurance policies can differ greatly, including the level of cover, automatically included benefits, exclusions and terms and conditions.

  It is important to check that the policy meets your requirements for cancellation benefits, coverage of any pre-existing medical conditions and coverage of higher value personal effects. We recommend that travellers check through the policy to make sure that it meets your needs. 
  
  

• 6. What are the benefits of buying a policy with House of Travel in-store??

  Buying a travel insurance policy at your local store will provide you with back up and support from your House of Travel consultant. With customer permission, our booking system also allows us to track our customers around the world. This has proved to be incredibly useful during crisis around the world.
  
  

• 7. What if I need to make a claim or ask for assistance while I am away?

  With House of Travel Travel Insurance, Allianz Global Assistance’s doctors, registered nurses, logistic professionals and support personnel will be there for you. If you need emergency help, call Allianz Global Assistance toll-free 24/7. The assistance team based in Brisbane will assign you a case manager who will assist.

  For non-emergency help or to lodge a claim you can contact Allianz Global Assistance claims team who are based in Auckland.
  
  

• 8. How do I declare my pre-existing medical conditions?
  Your House of Travel consultant will give you a toll-free telephone number to call the Allianz Global Assistance’s medical assessment team, Monday-Friday, 9-5pm. Please have your travel insurance policy or quote number ready to give to the medical assessor. You will be asked a series of questions about your medical conditions. If you are unsure of your conditions, please discuss with your treating doctor first. 
  
• 9. Anything else I need to do before I leave home?

  Yes, House of Travel strongly recommends you register your travel plans at www.safetravel.govt.nz before you travel. Safe Travel is the official registration website for New Zealanders travelling or living overseas. Ask your House of Travel consultant for our travel insurance Policy Wording.