The regions are organised from highest to lowest - Worldwide, Europe, Asia, Pacific. When you take out travel insurance for a region, you're automatically covered for any lower priced destinations. So, for example, a Worldwide policy covers you for anywhere in the world, while a Europe policy also covers you for Asia and the Pacific, as well as for travel in New Zealand for certain Policy Sections (see your Policy Wording for details).
We understand that international travel often involves stopovers, so you're also covered for stopovers of up to 2 nights at any destination outside your selected area (see your Policy Wording for details).2. Which region do I choose?
If you are travelling to the USA, Hawaii, Canada, Africa, Japan, China, Hong Kong, South America, Antarctic or any Cruise destination, select Worldwide.
If you are travelling only to Europe, Russia, the UK, select Europe.
If you are travelling to Asia (excluding Japan, China, Hong Kong, and Bali) select Asia.
If you are travelling to the South West Pacific, Australia, Papua New Guinea, Bali, or Norfolk Island, select Pacific.3. When does my cover start?
If you pay for your travel insurance online, you'll receive confirmation and Certificate of Insurance - and you're covered from the time those documents are issued.4. Is my luggage covered?
Under a Comprehensive, Cancellation & Protection - Essentials, New Zealand Only or Cancellation & Luggage policy, your luggage is covered, subject to terms, conditions and exclusions applying to your policy.5. Can I take out a policy if I am already overseas?
No, you must purchase your travel insurance policy before you leave your home to go to your departure point.6. If I'm 61 or older, can I still buy travel insurance through Expedia.co.nz?
No, cover is only available for travellers aged 60 years and under at the time of policy purchase.7. Can I get any refund on my insurance if I return earlier than planned?
No, premiums will only be refunded by Allianz Global Assistance if you cancel within the first 14 days after you are issued with a Certificate of Insurance (the Cooling Off Period) provided you have not started your journey and you do not want to make a claim or to exercise any other right under the policy.