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 call the Medical Hotline on 0800 822 135 to apply for cover
  • 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 brochure.

Arrange ASB travel insurance

Arranging travel insurance before you go is easy. Simply phone our Travel line on 0800 925 566 or call into any ASB branch. 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 call the Medical Hotline on 0800 822 135 to apply for cover.


Pre-existing medical conditions

If you have suffered a physical injury, or have an existing or recurring illness which you’re aware of, or had treatment for, prior to the activation or purchase date of the insurance policy, we will treat this as a pre-existing medical condition.

You’ll need to call the Medical Hotline on 0800 822 135 to apply for cover. Any details you provide are treated with complete confidentiality.

If you suffer a new injury or illness after you've purchased or activated your travel insurance, you should contact the Medical Hotline on 0800 822 135 to apply for cover.

Please check our travel insurance brochure 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 Tower and ensure they’re covered for the right amount. Limits apply, so check our travel insurance policy document for full details. You can purchase cover for your items by calling 0800 822 135.


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.


Contact us

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Other helpful guides

ASB Travel Insurance is underwritten by Tower Insurance Limited. For full details, refer to the relevant travel insurance policy document which is also available on request from any ASB branch or by calling 0800 200 252. The availability of insurance cover is subject to your application being approved. Exclusions apply. See further information regarding Tower's financial strength rating.

Travel insurance Things to know before you go