Comprehensive Cover

Comprehensive Cover is our top of the range travel policy that allows you to customise your cover to suit your travel plans.

It provides an extensive range of covers for your peace of mind and includes the following features:

  • Medical and repatriation expenses
  • Emergency Medical Assistance 24/7 provided by Allianz Global Assistance
  • Replacement cover on baggage items less than two years old
  • Free cover for dependent children under 21 years
  • Recreational sports cover free of charge:
    • Leisure skiing and snowboarding
    • Scuba diving (with PADI or NAUI qualification)
    • Hot air ballooning
    • Parasailing and paragliding
    • Bungee jumping
    • White-water rafting in rivers Grade 4 or less


Optional covers include:

  • Private hospital care
  • Excess buyout
  • Increased cover for specified high value items
  • Civil unrest in the Pacific Islands
  • Terrorism
  • Automatic free cover for some pre-existing medical conditions


Please see the Schedule of Benefits below for a full summary of the covers and the maximum benefits available. Our friendly insurance advisers can help you build the policy around your intended travel plans.


Pre-existing medical conditions

Some pre-existing medical conditions are automatically covered under the Comprehensive Cover option.  For other medical conditions, call the Medical Hotline on 0800 100 124 to see if you can get cover for an additional premium.


Cover for travellers over 70 years of age

Acceptance is subject to a review and will include your medical condition(s), age, your intended destination, travel start date, and the duration of your journey.

Cancellation/Travel Disruption Benefits  
Loss of deposit/cancellation Unlimited
Curtailment Unlimited
Missed connection/travel delays $15,000
Frequent flyer points $5,000
Strikes/hijacks $10,000
Resumption of travel $10,000
Evacuation - civil unrest in the Pacific Islands $1,500
Additional expenses/terrorism $3,000
Medical Benefits  
Medical Unlimited
Medical/terrorism $250,000
Follow-on treatment $2,000
Dental as a result of injury $3,000
Emergency dental - pain relief $1,000
Incidental hospital expenses $4,000
Accompanying person Reasonable costs
Search and rescue $20,000
Life Benefits  
Funeral expenses $25,000
Accidental death $50,000
Accidental death terrorism $25,000
Baggage, Personal Effects and Money Benefits  
Personal baggage - total limit $30,000
Baggage - item limit $1,500
Electronic equipment, video and camera equipment $2,500
Emergency baggage $1,500
Replacement of travel documents $3,000
Money $500
Additional expenses as a result of terrorism $3,000
Personal Liability Benefits  
Rental vehicle excess $6,000
Personal liability $2,500,000
Wrongful arrest $10,000


Leisure Travel insurance is arranged by Southsure Assurance Limited, issued and managed by Allianz Global Assistance New Zealand Limited, and underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 (incorporated in Australia) trading as Allianz New Zealand (Allianz).

This webpage is only a summary of the features and benefits of travel insurance and is intended to be of a general nature.  It does not constitute personalised financial advice under the Financial Advisers Act 2008.  To the extent that any content constitutes financial advice, it is class advice only and does not take into account any individual's particular financial situation or goals.  We recommend you seek personalised financial advice.  

All insurance cover is subject to the policy terms and conditions, including the limits and exclusions that apply, which are set out in the policy document. 

Neither SBS Bank nor any member of the SBS Bank Group guarantees the obligations of (or any products issued by) Southsure, Allianz Global Assistance New Zealand, or Allianz New Zealand.

For Allianz's financial strength rating, please click here

Buying tip

Plan your travel insurance as carefully as your itineary and be sure to compare policies thoroughly.

You need to know what you'll be covered for and the cover limits. 

Ask for examples of real-life claims and how the travel insurance company was able to help.

Coronavirus Update

For information on Coronavirus (Covid-19) and the implications on travel insurance please click here for an Allianz Coronavirus Travel Advisory update.