Things to know before you go overseas

International travel is an adventure - but as with any adventure there are risks. You might get sick, miss your travel connection or your bags could get lost in transit. You’ll enjoy your adventures more if you take precautions against unforeseen risks, and one of the easiest things to do is to arrange travel insurance before you leave home.


Why you should take out ASB travel insurance

It's important to sort out your travel insurance as soon as possible, as you may be covered if there are any unexpected events outside of your control that affect your travel arrangements. Your policy will have agreed limits.

The policy includes:

  • cover for abandonment or alteration of your travel due to any unexpected event outside of your control
  • cover for any illness or injury suffered by you while you are outside of New Zealand. If you have a pre-existing medical condition, you will need to apply for additional cover when you purchase your travel insurance, alternatively you can call Cigna on 0800 660 141 if you have already purchased your ASB Travel Insurance
  • if getting home is critical for medical reasons, our policy will pay all costs relating to your medical repatriation
  • if you are taking high value items away with you, such as an expensive camera or watch, you can arrange special cover for those up to a certain limit

Terms and conditions apply. Please refer to our travel insurance policy document for further details.

For more information on what's included and what kind of cover to choose, check the ASB Travel Insurance policy document.

Arrange ASB travel insurance

Arranging travel insurance before you go is easy. Simply get a quote and buy online. This means that if anything happens to your plans, even before you leave, you're covered.


Things you may not be covered for

Holidays are about having fun, but before you take part in any adventurous activities, check that they’re covered in the insurance policy you've chosen.

If you have a pre-existing medical condition you'll need to apply for additional cover when you purchase your travel insurance, or phone Cigna on 0800 660 141 to add it to your existing travel insurance policy.


Pre-existing medical conditions

Pre-existing medical conditions are any illness, injury or medical condition during the 2 years prior to the policy start date.

You'll need to apply for additional cover when you purchase your ASB Travel Insurance, or if you have already purchased your travel insurance and would like to apply for cover for you pre-existing condition, phone Cigna on 0800 660 141.

If you suffer a new injury or illness after you've purchased or activated your travel insurance, you should contact Cigna on 0800 660 141 to apply for cover.

Please check our policy wording for more information on pre-existing medical conditions, as well as cover for people who are pregnant.


Specified items

If you're taking any expensive items away with you, you might need to specify them with Cigna and ensure they are covered for the right amount. Limits apply, so check our travel insurance policy document for full details. You can purchase cover for your items when you purchase your travel insurance, or you can add them to your existing policy by phoning Cigna on 0800 660 141.


Other tips before you go

Take copies

It’s a good idea to take copies of your passport, travel insurance policy, emergency phone numbers, credit and debit card numbers, hotel receipts and travel itinerary. Keep a set for yourself and leave another set with family or friends.

Call ASB

Call ASB (or your credit card provider) and tell us that you’re going travelling and where you’re off to.  If your card is suddenly being used in a different country, we may think it’s being used fraudulently, and lock your card as a security measure to protect you.

Bill payments

Set up automatic bill payments for your regular bills, so you can relax and know that your bills will be paid while you’re away. You can do this online using FastNet Classic internet banking.

Baggage allowance

Check your airline’s policy on baggage, so you know about restrictions on the number of bags you check in and carry on, as well as their maximum weight. This means you can avoid additional baggage costs at the airport.


Set up a Skype or Facetime account so you can keep in touch with friends and family. This way you can use the internet instead of worrying about the cost of phone calls from abroad (be careful about data roaming charges though).

Safe travel

You can register with safetravel.govt.nz so the government can locate and contact you in case of an emergency. You’ll also find loads of information on travel advisories, safety tips, and general travel news on this website.

Extra clothes

It’s a good idea to pack an extra set of clothes in your carry-on bag in case the airline misplaces your luggage.


Check whether you need vaccinations. If you’re going to a country where vaccinations are recommended, sort this out with your doctor well in advance of you leaving. You can find more information on the holiday health website, or if you have any questions or concerns you can speak to your doctor.


What about money?

Take several different methods of payment with you, including an emergency card. It’s a good idea to carry cash and cards in different places, just in case. More top travel tips.


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Other helpful guides

The availability of insurance cover is subject to your application being approved. Exclusions apply. For full details, refer to the Policy Document which is available from ASB Bank Limited. This insurance is underwritten by Cigna Life Insurance New Zealand Limited.


Travel insurance Things to know before you go