Essentials Cover

Essentials Cover is a great option if you just want the basics covered for a short trip close to home or you're budget conscious. And you can always customise to suit by adding optional covers to ensure you have the cover you need for your intended travel.

Essentials Cover is available for travellers up to the age of 70.

It 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


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.

Cancellation/Travel Disruption Benefits  
Loss of deposit/cancellation $5,000
Curtailment $5,000
Missed connection/travel delays $500
Medical Benefits  
Medical $250,000
Dental as a result of injury $500
Life Benefits  
Funeral expenses $10,000
Baggage, Personal Effects and Money Benefits  
Personal baggage - total limit $5,000
Baggage - item limit $750
Electronic equipment, video and camera equipment $750
Emergency baggage $250
Replacement of travel documents $500
Personal Liability Benefits  
Rental vehicle excess $1,000
Personal liability $500,000


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 Updates

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