Travel
Give yourself peace of mind when you’re away from home, covering unexpected costs like medical emergencies, trip cancellations, lost luggage, and travel delays - so you can focus on enjoying your journey instead of worrying about what might go wrong.
Travel insurance provides financial protection when things go wrong before or during your trip, whether you’re travelling domestically or overseas. It’s designed to cover unexpected events such as medical emergencies, trip cancellations, lost luggage, travel delays, and personal liability. Policies can also include repatriation, ensuring you can be brought home safely if you become seriously ill or injured while abroad. For many travellers, it’s the difference between a minor inconvenience and a major financial setback - especially when medical costs overseas can be significantly higher than in New Zealand. Travel insurance gives you peace of mind so you can focus on enjoying your journey, knowing you’re protected against the unexpected.
At C&R Insurance, we’re serving the insurance needs of Central Otago and Southland. Because we believe insurance should be personal, we come to you, value face‑to‑face conversations, and provide straightforward advice. Whether you’re planning a family holiday, an OE, or a business trip, we help you choose a policy that reflects your destination, activities, and the true cost of potential disruptions.
We also review your cover regularly, making sure your policy keeps pace with changing travel requirements, airline conditions, and the specific risks of where you’re heading.
Protect your trip from the unexpected - our brokers make choosing the right travel cover straightforward.
Why Travel Insurance Matters
Travelling comes with risks that can quickly become expensive without the right protection. Even a simple flight delay can lead to unexpected accommodation costs, while lost luggage can disrupt your plans entirely. More serious events (such as medical emergencies or needing to return home urgently) can cost tens of thousands of dollars without insurance. Travel insurance is designed to step in when these situations arise, covering both everyday mishaps and major emergencies.
What Travel Insurance Typically Covers
1. Medical Emergencies & Repatriation
Overseas medical treatment, hospital stays, and emergency care.
Medical evacuation if local treatment isn’t adequate.
Repatriation - the cost of bringing you home if the worst should happen.
2. Disruptions & Cancellations
Trip Cancellation: Reimburses non‑refundable costs if you can’t travel due to illness, injury, or a death in the family.
Trip Interruption: Covers the cost of returning home early if an emergency occurs while you’re away.
Travel Delays: Pays for meals, accommodation, and essentials if your flight is delayed beyond a set period (e.g., 6–12 hours).
3. Personal Belongings
Theft or Damage: Protection for luggage, phones, cameras, passports, and other valuables.
Luggage Delay: A daily allowance for essential items if your bags are delayed for more than 12 hours.
4. Personal Liability
Covers legal costs and damages if you accidentally injure someone or damage property - for example, a hotel room, rental apartment, or hired equipment.
What Travel Insurance Usually Doesn’t Cover
Understanding exclusions is just as important as knowing what’s included:
Unattended Items: Bags left on café chairs, in unlocked vehicles, or out of sight.
High‑Risk Activities: Skydiving, scuba diving, skiing, or adventure sports often require an add‑on.
Alcohol or Drugs: Claims are typically denied if intoxication contributed to the incident.
Change of Mind: Deciding not to travel isn’t covered unless you have a specific “Cancel for Any Reason” policy. A
A Quick Tip for New Zealand Travellers
Many Gold or Platinum credit cards include built‑in travel insurance - but it usually only activates if you pay for your flights with that card. Coverage limits can also be lower than a standalone policy, so always check the fine print to ensure it’s suitable for your destination and activities.
Benefits
Travel insurance protects you from costly medical emergencies overseas, including evacuation and repatriation.
It reimburses you for cancellations, delays, or disruptions that force you to change your travel plans unexpectedly.
Your belongings are covered if your luggage, passport, or valuables are lost, stolen, or damaged while travelling.
Personal liability cover protects you if you accidentally injure someone or damage property while abroad.