Comprehensive Travel Insurance


Keeping You Safe is Our Top Priority

As of 20 March 2020, DownUnder Insurance is temporarily ceasing to issue new international Travel Insurance policies based on the Ministry of Foreign Affairs and Trade (MFAT) travel advice being upgraded to Do Not Travel (Level 4) for all overseas destinations.



Comprehensive Travel Insurance in the form of our Comprehensive (International) Plan is available to New Zealanders, or permanent residents of New Zealand. It offers good levels of cover and is great for most travellers, whether retirees, backpackers wanting higher levels of cover, families or businessmen.

What is our Comprehensive Travel Insurance Plan? Well, it has extensive levels of cover, including: Medical and Repatriation (Unlimited), Hospital Cash Allowance, Accidental Death (max. Benefit $25,000), Travel delay Allowance and Alternative Transport expenses, Permanent disability, Personal Effects and Luggage, Cancellation and Curtailment, Personal Liability ($5,000,000) and Theft of Cash*.


Compare Policy Benefits Backpacker Comprehensive Premier

Cancellation fees and lost deposits*

$5,000 $20,000 UNLIMITED

Overseas Emergency Medical Assistance^*


Overseas Emergency Medical and hospital expenses^*


Dental expenses^

$750 $750 $750

Additional accommodation & travel expenses*




Includes family emergency*

- Yes Yes

Includes emergency companion cover*

- Yes Yes

Hospital cash allowance^*

N/A $2,000 $2,000

Accidental death*

- $25,000 $30,000

Permanent disability*

- $25,000 $50,000

Travel documents, Credit cards & Travellers cheques

N/A $1,000 $1,000

Theft of cash

- $250 $500

Luggage and personal effects*

$3,000  $5,000 $7,500 

Luggage and personal effects delay expenses

N/A $250 $250

Travel delay expenses

- $1,000 $1,000

Alternative transport expenses

- $3,000 $3,000

Personal liability


*Sub-limits apply-see "what your policy covers".

^ There is no cover under these policy sections while travelling in New Zealand.

For full details please read the Policy Wording