How to choose

Go direct and save!


Did you realise that up to half the price of the policy you buy from a travel agent goes to them as commission? By buying direct online you and your family can save many hundreds of dollars which are better spent at the beach.

There is no magic here: the quality of the product is one of the best in the market and all we are doing is using the efficiency of the internet to cut out the middle man.

So how to choose

Travel insurance policies have a wide variety of conditions, exclusions, and levels of cover so before you choose Travel Insurance Direct ask yourself the following:

1. What type of insurance do you need?

A backpacker going overseas for a year or more has very different insurance needs from a family holiday to Italy for 3 weeks where you need a much more comprehensive package of benefits such as cancellation and delay cover.
Check out our Easy Guide for more information on the sections of a policy to find out what suits you and always read the policy wording carefully.

2. Where are you going?

Medical and legal costs as well as the quality of medical services, can vary widely between countries with the USA, Canada and Japan typically being the most expensive. If you required emergency medical evacuation what would the likely costs be?

3. How old are you?

Older travellers may simply pay more for their travel insurance (but they do get cheaper car insurance). Depending on where they are going, Travel Insurance Direct can cover people less than age 86 at the time the policy is issued.

4. Do you have any existing medical conditions?

Pre-existing medical conditions are usually defined as any medical or dental condition for which you've received treatment or advice within a specified time prior to the policy being issued. Some minor medical conditions are often covered free of charge. If you are pregnant, cover is limited to less than 26 weeks into the pregnancy.

5. What will you be doing while you are away?

Will you be taking a laptop or expensive camera or will you be travelling light? Will you be skiing, canyoning or bungy-jumping? Almost all policies exclude mountaineering using ropes and professional sports. Check the policy wording in detail if your trip is 'unconventional' and always ask before you buy if you still aren't sure.

Travel Insurance Guide

Get your quote

North America including Hawaii, South America, Central America, Middle East, Arctic & Antarctic Circles.
Europe and the African continent (North Africa, Southern Africa and Egypt)
United Kingdom and Asia (UK, Ireland, Asia, Japan and the Indian sub-continent).
Tonga, Samoa, Papua New Guinea, Tahiti, Christmas Island and Cocos (Keeling) Islands
Australia, Fiji, Norfolk Island and Bali
for travel within New Zealand only

Not sure which region to choose?

Covers you and your dependent children or grandchildren under the age of 21 at the date of policy issue who are travelling with you.

Covers you and your travel partner named in the Certificate of Insurance and your dependent children or grandchildren under the age of 21 at the date of policy issue who are travelling with you.

Image of Visa credit card, MasterCard and American Express credit card

If you are not a citizen of New Zealand or a permanent resident, click here

Select your travel region

Hints & Tips:

When making the region selection, choose the region where you will spend the majority of your trip and this will also cover you for all other areas you travel to.

For example, if you are spending 3 days in Singapore, 2 weeks in the UK and 4 weeks in Europe, select 'Europe' as your destination and you will be covered in Singapore and the UK also.

Travel Insurance Direct ® is a registered trademark of Travel Insurance Direct Pty Limited. Travel Insurance Direct Pty Ltd ACN 121 659 470 AR 305589 is an authorised representative of ETI Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Mondial Assistance. Travel Insurance is arranged and managed by Mondial Assistance and is issued by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence 234708. You should consider the Product Disclosure Statement before buying this product, available from us, to ensure the product is right for you.