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Travel Insurance

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What does travel insurance protect against?

Travel Cover

Travel insurance can provide financial protection and peace of mind during your travels by covering unexpected events. From trip cancellations to medical emergencies, it can be an essential part of planning your journey.

What Exactly Does Travel Insurance Cover?

Travel insurance typically includes coverage for a variety of situations, such as:

Trip Cancellation

Reimbursement for pre-paid, non-refundable travel expenses if you have to cancel your trip due to a covered reason like illness, injury, or the death of a family member.

Trip Interruption

Coverage for the non-refundable travel costs if your trip is interrupted due to covered events like severe weather or an unexpected illness.

Medical Emergencies

Coverage for medical and dental expenses that occur because of an illness or injury during your trip.

Emergency Evacuation

Pays for necessary evacuation if there is a medical emergency or if a natural disaster occurs during your trip.

Baggage and Personal Effects

Reimbursement for lost, stolen, or damaged baggage and personal items.

Travel Delay

Compensation for additional accommodation and travel expenses if your trip is delayed due to covered reasons.

Accidental Death and Dismemberment

A benefit paid if you lose your life or a limb in an accident while traveling.

24/7 Assistance Services

Access to a support team that can help with various travel-related issues, such as medical emergencies, lost passports, or legal troubles.

How Does Travel Insurance Work?

  • Choosing a Plan: You select a travel insurance plan that fits your needs and pay the premium before your trip begins.
  • Filing a Claim: If something goes wrong on your trip and you need to use your insurance, you file a claim with the insurance company.
  • Documentation: You provide the necessary documentation that supports your claim, such as medical bills or a police report for stolen items.
  • Reimbursement or Direct Payment: Depending on your policy and the situation, the insurance company may reimburse you for expenses or pay providers directly.

Why Should You Consider Travel Insurance?

Travel insurance is an important part of trip planning because:

  • It protects your investment if your trip is unexpectedly canceled or cut short.
  • It covers medical emergencies that could be very expensive in another country.
  • It provides support in case of lost luggage or travel documents.

What Are the Disadvantages and Advantages of Travel Insurance?

  • Provides financial recovery for unforeseen travel-related expenses.
  • Gives access to emergency assistance services when abroad.
  • Offers peace of mind so you can enjoy your travels without worry.
  • It requires an additional cost upfront.
  • Not all reasons for canceling or interrupting a trip may be covered.
  • Claims processes can sometimes be complicated and require detailed documentation.

How Can You Do Travel Insurance Right?

  • Read the Fine Print: Understand what is and isn’t covered by your policy.
  • Buy Early: Purchase insurance soon after booking your trip to ensure coverage for pre-departure issues.
  • Keep Documentation: Save all documents related to your trip and any incidents that occur for a smooth claims process.

How can Gerrards help?

As a specialist in travel insurance in New Zealand, Gerrards can:

  • Help you understand the different types of travel insurance and what is best for your trip.
  • Guide you through the process of selecting the right coverage options.
  • Provide support if you need to make a claim while you’re traveling or after you return home


Travel insurance is a critical aspect of trip planning that can save you from significant financial loss and stress. By understanding what it covers and how it works, you can travel with confidence, knowing you’re protected against the unexpected. Gerrards is here to ensure that your travel insurance meets your needs so that you can focus on the adventure ahead.

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