Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Argen na

"Outstanding Value"

Single Trip StandardColumbus Direct Travel Ins NZ 20000 100000 50000000 50000000 1000 15000 500 4000

ComprehensiveTINZ 50000.00 30000.00 Unlimited Unlimited 2000.00 30000.00 500.00 6000.00

Plan A ‐ ComprehensiveWebjet NZ Unlimited 50000 Unlimited Unlimited 2000 10000 500 3000

Plan B ‐ Essen alsWebjet NZ 10000 30000 Unlimited 10000000 2000 6000 N/A 1000

Plan A ‐ Comprehensive1Cover Direct Insurance NZ Unlimited 50000 Unlimited Unlimited 1000 30000 500 5000

Plan A ‐ ComprehensiveAir Pacific Unlimited 50000 Unlimited Unlimited 4000 10000.00 500.00 3000

Interna onal ComprehensiveAmerican Express NZ 20000 50000 Unlimited Unlimited Unlimited 20000 500 3000

Essen alsChubb Insurance NZ 20000 2000 Unlimited Unlimited Unlimited 10000 N/A N/A

Single Trip PremierColumbus Direct Travel Ins NZ 40000 150000 50000000 50000000 2000 20000 1000 5000

Comprehensive Travel InsuranceCountdown 200000 100000 Unlimited Unlimited 3000 40000 750 2500

PremierNZ Travel Insurance 50000 30000 Unlimited Unlimited 6000 20000 500 6000

Travel Care Single Journey PolicySouthern Cross Travel Ins NZ Unlimited 50000 Unlimited Unlimited 1500 50000 500 5000

Essen alsTINZ 20000.00 N/A Unlimited Unlimited 1000.00 10000.00 N/A N/A

StandardWorld Nomads NZ 7000 N/A 10000000 1000000 1000 4000 N/A N/A

Travel Insurance Star Ratings 2019 - Page1Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Argen na

ComprehensiveAA Insurance Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Interna onal Single TripAir New Zealand Unlimited 100000 Unlimited Unlimited 4000 50000 1500 5000

Plan B ‐ Essen alsAir Pacific Unlimited N/A Unlimited Unlimited 4000 10000.00 N/A 3000

Interna onal Plan IAMI Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

ComprehensiveAMP Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Travel ProtectorANZ Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Travel InsuranceBNZ 200000 200000 Unlimited Unlimited 3000 40000 750 2500

ComprehensiveChubb Insurance NZ 30000 2000 Unlimited Unlimited Unlimited 20000 400 5000

Pres geChubb Insurance NZ Unlimited 2000 Unlimited Unlimited Unlimited 40000 400 3000

Comprehensive Travel InsuranceCigna Insurance 200000 100000 Unlimited Unlimited 3000 40000 750 2500

Essen als Plan ‐ IECover‐More Travel Insurance NZ N/A 10000 Unlimited Unlimited Unlimited 8000 500 N/A

YourCover Interna onal ‐ Plan ICover‐More Travel Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

BackpackersDownunder Insurance NZ 10000 N/A Unlimited Unlimited 1500 6000 250 N/A

ComprehensiveDownunder Insurance NZ 40000 50000 Unlimited Unlimited 1500 10000 500 N/A

Online Insurance ComprehensiveHouse of Travel NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Interna onalnib NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Essen alsNZ Travel Insurance 10000 N/A 1000000 1000000 N/A 5000 N/A N/A

Travel Insurance Star Ratings 2019 - Page2Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Argen na

Basic Interna onal Plan ASTA Travel NZ Unlimited 20000 20000000 20000000 20000000 6000 N/A 5000

Comprehensive Interna onal Plan ASTA Travel NZ Unlimited 50000 Unlimited Unlimited Unlimited 24000 400 5000

Interna onal Plan IState N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

Comprehensive PlusTINZ Unlimited 50000.00 Unlimited Unlimited 5000.00 50000.00 500.00 6000.00

Cover4Travel (Plan B)Tower Limited Unlimited 100000 400000 400000 3000.00 20000 1000 2000

Interna onal TripTravel Insurance Direct NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Comprehensive PlanVirgin Australia NZ Unlimited 50000 Unlimited Unlimited 4000 10000 500 3000

Essen als PlanVirgin Australia NZ Unlimited N/A Unlimited Unlimited 4000 10000 N/A 3000

Westpac TravelPlusWestpac NZ Unlimited 30000.00 Unlimited Unlimited Unlimited 25000.00 500.00 10000.00

ExplorerWorld Nomads NZ Unlimited 25000 Unlimited Unlimited 1000 20000 250 3000

ComprehensiveWorldcare NZ Unlimited 50000 Unlimited Unlimited 6000 50000 1000 6000

Essen alsAMP Bank NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

EliteAon NZ Unlimited 100000 Unlimited Unlimited Unlimited 40000 400 5000

Online Insurance BasicHouse of Travel NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

BudgetWorldcare NZ 10000 N/A 500000 500000 N/A 4000 N/A N/A

Essen alsAA Insurance 10000 N/A 500000 500000 1000 10000 N/A 1000

Travel Insurance Star Ratings 2019 - Page3Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Australia

"Outstanding Value"

Online Insurance ComprehensiveHouse of Travel NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

PremierNZ Travel Insurance 50000 30000 Unlimited Unlimited 6000 20000 500 6000

Travel Care Single Journey PolicySouthern Cross Travel Ins NZ Unlimited 50000 Unlimited Unlimited 1500 50000 500 5000

ComprehensiveTINZ 50000.00 30000.00 Unlimited Unlimited 2000.00 30000.00 500.00 6000.00

ComprehensiveWorldcare NZ Unlimited 50000 Unlimited Unlimited 6000 50000 1000 6000

Travel Insurance Star Ratings 2019 - Page4Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Australia

Plan A ‐ Comprehensive1Cover Direct Insurance NZ Unlimited 50000 Unlimited Unlimited 1000 30000 500 5000

ComprehensiveAA Insurance Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

ComprehensiveAMP Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Travel ProtectorANZ Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Travel InsuranceBNZ 200000 200000 Unlimited Unlimited 3000 40000 750 2500

Online Insurance BasicHouse of Travel NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

Essen alsNZ Travel Insurance 10000 N/A 1000000 1000000 N/A 5000 N/A N/A

Comprehensive Interna onal Plan ASTA Travel NZ Unlimited 50000 Unlimited Unlimited Unlimited 24000 400 5000

Comprehensive PlusTINZ Unlimited 50000.00 Unlimited Unlimited 5000.00 50000.00 500.00 6000.00

Essen alsTINZ 20000.00 N/A Unlimited Unlimited 1000.00 10000.00 N/A N/A

Plan A ‐ ComprehensiveWebjet NZ Unlimited 50000 Unlimited Unlimited 2000 10000 500 3000

Plan B ‐ Essen alsWebjet NZ 10000 30000 Unlimited 10000000 2000 6000 N/A 1000

BudgetWorldcare NZ 10000 N/A 500000 500000 N/A 4000 N/A N/A

Travel Insurance Star Ratings 2019 - Page5Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Australia

Essen alsAA Insurance 10000 N/A 500000 500000 1000 10000 N/A 1000

Interna onal Single TripAir New Zealand Unlimited 100000 Unlimited Unlimited 4000 50000 1500 5000

Plan A ‐ ComprehensiveAir Pacific Unlimited 50000 Unlimited Unlimited 4000 10000.00 500.00 3000

Interna onal ComprehensiveAmerican Express NZ 20000 50000 Unlimited Unlimited Unlimited 20000 500 3000

Interna onal Plan IAMI Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

Essen alsAMP Bank NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

ComprehensiveChubb Insurance NZ 30000 2000 Unlimited Unlimited Unlimited 20000 400 5000

Essen alsChubb Insurance NZ 20000 2000 Unlimited Unlimited Unlimited 10000 N/A N/A

Comprehensive Travel InsuranceCigna Insurance 200000 100000 Unlimited Unlimited 3000 40000 750 2500

Single Trip PremierColumbus Direct Travel Ins NZ 40000 150000 50000000 50000000 2000 20000 1000 5000

Single Trip StandardColumbus Direct Travel Ins NZ 20000 100000 50000000 50000000 1000 15000 500 4000

Comprehensive Travel InsuranceCountdown 200000 100000 Unlimited Unlimited 3000 40000 750 2500

Essen als Plan ‐ IECover‐More Travel Insurance NZ N/A 10000 Unlimited Unlimited Unlimited 8000 500 N/A

YourCover Interna onal ‐ Plan ICover‐More Travel Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

ComprehensiveDownunder Insurance NZ 40000 50000 Unlimited Unlimited 1500 10000 500 N/A

Interna onalnib NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Basic Interna onal Plan ASTA Travel NZ Unlimited 20000 20000000 20000000 20000000 6000 N/A 5000

Travel Insurance Star Ratings 2019 - Page6Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Australia

Interna onal Plan IState N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

Interna onal TripTravel Insurance Direct NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Essen als PlanVirgin Australia NZ Unlimited N/A Unlimited Unlimited 4000 10000 N/A 3000

Westpac TravelPlusWestpac NZ Unlimited 30000.00 Unlimited Unlimited Unlimited 25000.00 500.00 10000.00

ExplorerWorld Nomads NZ Unlimited 25000 Unlimited Unlimited 1000 20000 250 3000

Plan B ‐ Essen alsAir Pacific Unlimited N/A Unlimited Unlimited 4000 10000.00 N/A 3000

Pres geChubb Insurance NZ Unlimited 2000 Unlimited Unlimited Unlimited 40000 400 3000

BackpackersDownunder Insurance NZ 10000 N/A Unlimited Unlimited 1500 6000 250 N/A

Cover4Travel (Plan A)Tower Limited Unlimited 100000.00 200000 200000 3000.00 20000 1000 2000

Comprehensive PlanVirgin Australia NZ Unlimited 50000 Unlimited Unlimited 4000 10000 500 3000

EliteAon NZ Unlimited 100000 Unlimited Unlimited Unlimited 40000 400 5000

StandardWorld Nomads NZ 7000 N/A 10000000 1000000 1000 4000 N/A N/A

Travel Insurance Star Ratings 2019 - Page7Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple China

"Outstanding Value"

PremierNZ Travel Insurance 50000 30000 Unlimited Unlimited 6000 20000 500 6000

Travel Care Single Journey PolicySouthern Cross Travel Ins NZ Unlimited 50000 Unlimited Unlimited 1500 50000 500 5000

ComprehensiveTINZ 50000.00 30000.00 Unlimited Unlimited 2000.00 30000.00 500.00 6000.00

Plan A ‐ ComprehensiveWebjet NZ Unlimited 50000 Unlimited Unlimited 2000 10000 500 3000

Plan B ‐ Essen alsWebjet NZ 10000 30000 Unlimited 10000000 2000 6000 N/A 1000

Plan A ‐ ComprehensiveAir Pacific Unlimited 50000 Unlimited Unlimited 4000 10000.00 500.00 3000

Interna onal ComprehensiveAmerican Express NZ 20000 50000 Unlimited Unlimited Unlimited 20000 500 3000

ComprehensiveAMP Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Travel ProtectorANZ Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Single Trip StandardColumbus Direct Travel Ins NZ 20000 100000 50000000 50000000 1000 15000 500 4000

Online Insurance ComprehensiveHouse of Travel NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Comprehensive PlusTINZ Unlimited 50000.00 Unlimited Unlimited 5000.00 50000.00 500.00 6000.00

Essen alsTINZ 20000.00 N/A Unlimited Unlimited 1000.00 10000.00 N/A N/A

ComprehensiveWorldcare NZ Unlimited 50000 Unlimited Unlimited 6000 50000 1000 6000

Travel Insurance Star Ratings 2019 - Page8Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple China

Plan A ‐ Comprehensive1Cover Direct Insurance NZ Unlimited 50000 Unlimited Unlimited 1000 30000 500 5000

ComprehensiveAA Insurance Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Interna onal Single TripAir New Zealand Unlimited 100000 Unlimited Unlimited 4000 50000 1500 5000

Plan B ‐ Essen alsAir Pacific Unlimited N/A Unlimited Unlimited 4000 10000.00 N/A 3000

Interna onal Plan IAMI Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

Essen alsAMP Bank NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

Travel InsuranceBNZ 200000 200000 Unlimited Unlimited 3000 40000 750 2500

ComprehensiveChubb Insurance NZ 30000 2000 Unlimited Unlimited Unlimited 20000 400 5000

Essen alsChubb Insurance NZ 20000 2000 Unlimited Unlimited Unlimited 10000 N/A N/A

Pres geChubb Insurance NZ Unlimited 2000 Unlimited Unlimited Unlimited 40000 400 3000

Comprehensive Travel InsuranceCigna Insurance 200000 100000 Unlimited Unlimited 3000 40000 750 2500

Single Trip PremierColumbus Direct Travel Ins NZ 40000 150000 50000000 50000000 2000 20000 1000 5000

Comprehensive Travel InsuranceCountdown 200000 100000 Unlimited Unlimited 3000 40000 750 2500

YourCover Interna onal ‐ Plan ICover‐More Travel Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

BackpackersDownunder Insurance NZ 10000 N/A Unlimited Unlimited 1500 6000 250 N/A

ComprehensiveDownunder Insurance NZ 40000 50000 Unlimited Unlimited 1500 10000 500 N/A

Interna onalnib NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Travel Insurance Star Ratings 2019 - Page9Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple China

Essen alsNZ Travel Insurance 10000 N/A 1000000 1000000 N/A 5000 N/A N/A

Basic Interna onal Plan ASTA Travel NZ Unlimited 20000 20000000 20000000 20000000 6000 N/A 5000

Comprehensive Interna onal Plan ASTA Travel NZ Unlimited 50000 Unlimited Unlimited Unlimited 24000 400 5000

Interna onal Plan IState N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

Interna onal TripTravel Insurance Direct NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Comprehensive PlanVirgin Australia NZ Unlimited 50000 Unlimited Unlimited 4000 10000 500 3000

Essen als PlanVirgin Australia NZ Unlimited N/A Unlimited Unlimited 4000 10000 N/A 3000

Westpac TravelPlusWestpac NZ Unlimited 30000.00 Unlimited Unlimited Unlimited 25000.00 500.00 10000.00

ExplorerWorld Nomads NZ Unlimited 25000 Unlimited Unlimited 1000 20000 250 3000

StandardWorld Nomads NZ 7000 N/A 10000000 1000000 1000 4000 N/A N/A

BudgetWorldcare NZ 10000 N/A 500000 500000 N/A 4000 N/A N/A

Essen alsAA Insurance 10000 N/A 500000 500000 1000 10000 N/A 1000

EliteAon NZ Unlimited 100000 Unlimited Unlimited Unlimited 40000 400 5000

Essen als Plan ‐ IECover‐More Travel Insurance NZ N/A 10000 Unlimited Unlimited Unlimited 8000 500 N/A

Online Insurance BasicHouse of Travel NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

Cover4Travel (Plan B)Tower Limited Unlimited 100000 400000 400000 3000.00 20000 1000 2000

Travel Insurance Star Ratings 2019 - Page10Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Cruise Fiji

"Outstanding Value"

PremierNZ Travel Insurance 50000 30000 Unlimited Unlimited 6000 20000 500 6000

Travel Care Single Journey PolicySouthern Cross Travel Ins NZ Unlimited 50000 Unlimited Unlimited 1500 50000 500 5000

ComprehensiveTINZ 50000.00 30000.00 Unlimited Unlimited 2000.00 30000.00 500.00 6000.00

Essen alsTINZ 20000.00 N/A Unlimited Unlimited 1000.00 10000.00 N/A N/A

ComprehensiveAMP Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Travel ProtectorANZ Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Travel InsuranceBNZ 200000 200000 Unlimited Unlimited 3000 40000 750 2500

Comprehensive Travel InsuranceCountdown 200000 100000 Unlimited Unlimited 3000 40000 750 2500

Online Insurance ComprehensiveHouse of Travel NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Comprehensive PlusTINZ Unlimited 50000.00 Unlimited Unlimited 5000.00 50000.00 500.00 6000.00

ComprehensiveWorldcare NZ Unlimited 50000 Unlimited Unlimited 6000 50000 1000 6000

Travel Insurance Star Ratings 2019 - Page11Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Cruise Fiji

Plan A ‐ Comprehensive1Cover Direct Insurance NZ Unlimited 50000 Unlimited Unlimited 1000 30000 500 5000

ComprehensiveAA Insurance Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Interna onal Single TripAir New Zealand Unlimited 100000 Unlimited Unlimited 4000 50000 1500 5000

Plan A ‐ ComprehensiveAir Pacific Unlimited 50000 Unlimited Unlimited 4000 10000.00 500.00 3000

Plan B ‐ Essen alsAir Pacific Unlimited N/A Unlimited Unlimited 4000 10000.00 N/A 3000

Interna onal ComprehensiveAmerican Express NZ 20000 50000 Unlimited Unlimited Unlimited 20000 500 3000

Interna onal Plan IAMI Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

Comprehensive Travel InsuranceCigna Insurance 200000 100000 Unlimited Unlimited 3000 40000 750 2500

Single Trip PremierColumbus Direct Travel Ins NZ 40000 150000 50000000 50000000 2000 20000 1000 5000

Single Trip StandardColumbus Direct Travel Ins NZ 20000 100000 50000000 50000000 1000 15000 500 4000

YourCover Interna onal ‐ Plan ICover‐More Travel Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

ComprehensiveDownunder Insurance NZ 40000 50000 Unlimited Unlimited 1500 10000 500 N/A

Online Insurance BasicHouse of Travel NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

Interna onalnib NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Essen alsNZ Travel Insurance 10000 N/A 1000000 1000000 N/A 5000 N/A N/A

Comprehensive Interna onal Plan ASTA Travel NZ Unlimited 50000 Unlimited Unlimited Unlimited 24000 400 5000

Interna onal Plan IState N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

Travel Insurance Star Ratings 2019 - Page12Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Cruise Fiji

Cover4Travel (Plan A)Tower Limited Unlimited 100000.00 200000 200000 3000.00 20000 1000 2000

Comprehensive PlanVirgin Australia NZ Unlimited 50000 Unlimited Unlimited 4000 10000 500 3000

Essen als PlanVirgin Australia NZ Unlimited N/A Unlimited Unlimited 4000 10000 N/A 3000

Plan A ‐ ComprehensiveWebjet NZ Unlimited 50000 Unlimited Unlimited 2000 10000 500 3000

Westpac TravelPlusWestpac NZ Unlimited 30000.00 Unlimited Unlimited Unlimited 25000.00 500.00 10000.00

ExplorerWorld Nomads NZ Unlimited 25000 Unlimited Unlimited 1000 20000 250 3000

StandardWorld Nomads NZ 7000 N/A 10000000 1000000 1000 4000 N/A N/A

BudgetWorldcare NZ 10000 N/A 500000 500000 N/A 4000 N/A N/A

ComprehensiveChubb Insurance NZ 30000 2000 Unlimited Unlimited Unlimited 20000 400 5000

Essen alsChubb Insurance NZ 20000 2000 Unlimited Unlimited Unlimited 10000 N/A N/A

Pres geChubb Insurance NZ Unlimited 2000 Unlimited Unlimited Unlimited 40000 400 3000

Essen als Plan ‐ IECover‐More Travel Insurance NZ N/A 10000 Unlimited Unlimited Unlimited 8000 500 N/A

Basic Interna onal Plan ASTA Travel NZ Unlimited 20000 20000000 20000000 20000000 6000 N/A 5000

Interna onal TripTravel Insurance Direct NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Travel Insurance Star Ratings 2019 - Page13Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Cruise Fiji

Essen alsAA Insurance 10000 N/A 500000 500000 1000 10000 N/A 1000

Essen alsAMP Bank NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

EliteAon NZ Unlimited 100000 Unlimited Unlimited Unlimited 40000 400 5000

Travel Insurance Star Ratings 2019 - Page14Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Cruise New Zealand

"Outstanding Value"

Online Insurance ComprehensiveHouse of Travel NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

PremierNZ Travel Insurance 50000 30000 Unlimited Unlimited 6000 20000 500 6000

ComprehensiveWorldcare NZ Unlimited 50000 Unlimited Unlimited 6000 50000 1000 6000

ComprehensiveAMP Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Travel ProtectorANZ Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Online Insurance BasicHouse of Travel NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

Essen alsNZ Travel Insurance 10000 N/A 1000000 1000000 N/A 5000 N/A N/A

ComprehensiveTINZ 50000.00 30000.00 Unlimited Unlimited 2000.00 30000.00 500.00 6000.00

BudgetWorldcare NZ 10000 N/A 500000 500000 N/A 4000 N/A N/A

Travel Insurance Star Ratings 2019 - Page15Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Cruise New Zealand

Domes c Travel Insurance1Cover Direct Insurance NZ Unlimited 50000 N/A N/A N/A 30000 N/A 5000

ComprehensiveAA Insurance Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Domes c ComprehensiveAir New Zealand 20000 20000 N/A N/A N/A 10000 N/A 4000

Plan B ‐ Essen alsAir Pacific Unlimited N/A Unlimited Unlimited 4000 10000.00 N/A 3000

Domes c Plan DAMI Insurance NZ 20000 20000 N/A N/A N/A 10000 N/A 4000

Essen alsAMP Bank NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

ComprehensiveChubb Insurance NZ 30000 2000 Unlimited Unlimited Unlimited 20000 400 5000

Essen alsChubb Insurance NZ 20000 2000 Unlimited Unlimited Unlimited 10000 N/A N/A

Pres geChubb Insurance NZ Unlimited 2000 Unlimited Unlimited Unlimited 40000 400 3000

Single Trip PremierColumbus Direct Travel Ins NZ 40000 150000 50000000 50000000 2000 20000 1000 5000

Single Trip StandardColumbus Direct Travel Ins NZ 20000 100000 50000000 50000000 1000 15000 500 4000

Domes c Plan DCover‐More Travel Insurance NZ 20000 20000 N/A N/A N/A 10000 N/A 4000

Domes c Plan DState 20000 20000 N/A N/A N/A 10000 N/A 4000

Comprehensive PlusTINZ Unlimited 50000.00 Unlimited Unlimited 5000.00 50000.00 500.00 6000.00

Essen alsTINZ 20000.00 N/A Unlimited Unlimited 1000.00 10000.00 N/A N/A

Interna onal TripTravel Insurance Direct NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Domes c PlanVirgin Australia NZ Unlimited 50000 N/A N/A N/A 10000 N/A 3000

Travel Insurance Star Ratings 2019 - Page16Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Cruise New Zealand

Domes cWebjet NZ Unlimited 50000 N/A N/A N/A 10000 N/A 3000

EliteAon NZ Unlimited 100000 Unlimited Unlimited Unlimited 40000 400 5000

Domes c Travel InsuranceDownunder Insurance NZ 20000 50000 N/A N/A N/A 10000 N/A 3000

Essen alsAA Insurance 10000 N/A 500000 500000 1000 10000 N/A 1000

Travel Insurance Star Ratings 2019 - Page17Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Fiji

"Outstanding Value"

Travel InsuranceBNZ 200000 200000 Unlimited Unlimited 3000 40000 750 2500

Travel Care Single Journey PolicySouthern Cross Travel Ins NZ Unlimited 50000 Unlimited Unlimited 1500 50000 500 5000

ComprehensiveTINZ 50000.00 30000.00 Unlimited Unlimited 2000.00 30000.00 500.00 6000.00

Plan A ‐ ComprehensiveWebjet NZ Unlimited 50000 Unlimited Unlimited 2000 10000 500 3000

Interna onal ComprehensiveAmerican Express NZ 20000 50000 Unlimited Unlimited Unlimited 20000 500 3000

ComprehensiveAMP Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Travel ProtectorANZ Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Comprehensive Travel InsuranceCountdown 200000 100000 Unlimited Unlimited 3000 40000 750 2500

Online Insurance ComprehensiveHouse of Travel NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

PremierNZ Travel Insurance 50000 30000 Unlimited Unlimited 6000 20000 500 6000

Comprehensive PlusTINZ Unlimited 50000.00 Unlimited Unlimited 5000.00 50000.00 500.00 6000.00

Essen alsTINZ 20000.00 N/A Unlimited Unlimited 1000.00 10000.00 N/A N/A

Plan B ‐ Essen alsWebjet NZ 10000 30000 Unlimited 10000000 2000 6000 N/A 1000

ComprehensiveWorldcare NZ Unlimited 50000 Unlimited Unlimited 6000 50000 1000 6000

Travel Insurance Star Ratings 2019 - Page18Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Fiji

Plan A ‐ Comprehensive1Cover Direct Insurance NZ Unlimited 50000 Unlimited Unlimited 1000 30000 500 5000

ComprehensiveAA Insurance Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Plan A ‐ ComprehensiveAir Pacific Unlimited 50000 Unlimited Unlimited 4000 10000.00 500.00 3000

Plan B ‐ Essen alsAir Pacific Unlimited N/A Unlimited Unlimited 4000 10000.00 N/A 3000

Interna onal Plan IAMI Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

ComprehensiveChubb Insurance NZ 30000 2000 Unlimited Unlimited Unlimited 20000 400 5000

Essen alsChubb Insurance NZ 20000 2000 Unlimited Unlimited Unlimited 10000 N/A N/A

Pres geChubb Insurance NZ Unlimited 2000 Unlimited Unlimited Unlimited 40000 400 3000

Comprehensive Travel InsuranceCigna Insurance 200000 100000 Unlimited Unlimited 3000 40000 750 2500

Single Trip PremierColumbus Direct Travel Ins NZ 40000 150000 50000000 50000000 2000 20000 1000 5000

Single Trip StandardColumbus Direct Travel Ins NZ 20000 100000 50000000 50000000 1000 15000 500 4000

BackpackersDownunder Insurance NZ 10000 N/A Unlimited Unlimited 1500 6000 250 N/A

ComprehensiveDownunder Insurance NZ 40000 50000 Unlimited Unlimited 1500 10000 500 N/A

Online Insurance BasicHouse of Travel NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

Interna onalnib NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Essen alsNZ Travel Insurance 10000 N/A 1000000 1000000 N/A 5000 N/A N/A

Comprehensive Interna onal Plan ASTA Travel NZ Unlimited 50000 Unlimited Unlimited Unlimited 24000 400 5000

Travel Insurance Star Ratings 2019 - Page19Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Fiji

Interna onal Plan IState N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

Cover4Travel (Plan A)Tower Limited Unlimited 100000.00 200000 200000 3000.00 20000 1000 2000

Comprehensive PlanVirgin Australia NZ Unlimited 50000 Unlimited Unlimited 4000 10000 500 3000

Westpac TravelPlusWestpac NZ Unlimited 30000.00 Unlimited Unlimited Unlimited 25000.00 500.00 10000.00

ExplorerWorld Nomads NZ Unlimited 25000 Unlimited Unlimited 1000 20000 250 3000

StandardWorld Nomads NZ 7000 N/A 10000000 1000000 1000 4000 N/A N/A

BudgetWorldcare NZ 10000 N/A 500000 500000 N/A 4000 N/A N/A

Essen alsAA Insurance 10000 N/A 500000 500000 1000 10000 N/A 1000

Interna onal Single TripAir New Zealand Unlimited 100000 Unlimited Unlimited 4000 50000 1500 5000

Essen alsAMP Bank NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

EliteAon NZ Unlimited 100000 Unlimited Unlimited Unlimited 40000 400 5000

Basic Interna onal Plan ASTA Travel NZ Unlimited 20000 20000000 20000000 20000000 6000 N/A 5000

Interna onal TripTravel Insurance Direct NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Essen als PlanVirgin Australia NZ Unlimited N/A Unlimited Unlimited 4000 10000 N/A 3000

Essen als Plan ‐ IECover‐More Travel Insurance NZ N/A 10000 Unlimited Unlimited Unlimited 8000 500 N/A

YourCover Interna onal ‐ Plan ICover‐More Travel Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

Travel Insurance Star Ratings 2019 - Page20Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple France

"Outstanding Value"

Travel Care Single Journey PolicySouthern Cross Travel Ins NZ Unlimited 50000 Unlimited Unlimited 1500 50000 500 5000

ComprehensiveTINZ 50000.00 30000.00 Unlimited Unlimited 2000.00 30000.00 500.00 6000.00

Plan A ‐ ComprehensiveWebjet NZ Unlimited 50000 Unlimited Unlimited 2000 10000 500 3000

Plan B ‐ Essen alsWebjet NZ 10000 30000 Unlimited 10000000 2000 6000 N/A 1000

Plan A ‐ Comprehensive1Cover Direct Insurance NZ Unlimited 50000 Unlimited Unlimited 1000 30000 500 5000

Interna onal ComprehensiveAmerican Express NZ 20000 50000 Unlimited Unlimited Unlimited 20000 500 3000

Essen alsChubb Insurance NZ 20000 2000 Unlimited Unlimited Unlimited 10000 N/A N/A

ComprehensiveDownunder Insurance NZ 40000 50000 Unlimited Unlimited 1500 10000 500 N/A

Interna onalnib NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

PremierNZ Travel Insurance 50000 30000 Unlimited Unlimited 6000 20000 500 6000

Comprehensive PlusTINZ Unlimited 50000.00 Unlimited Unlimited 5000.00 50000.00 500.00 6000.00

Essen alsTINZ 20000.00 N/A Unlimited Unlimited 1000.00 10000.00 N/A N/A

Interna onal TripTravel Insurance Direct NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

ComprehensiveWorldcare NZ Unlimited 50000 Unlimited Unlimited 6000 50000 1000 6000

Travel Insurance Star Ratings 2019 - Page21Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple France

ComprehensiveAA Insurance Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Interna onal Single TripAir New Zealand Unlimited 100000 Unlimited Unlimited 4000 50000 1500 5000

Plan A ‐ ComprehensiveAir Pacific Unlimited 50000 Unlimited Unlimited 4000 10000.00 500.00 3000

Plan B ‐ Essen alsAir Pacific Unlimited N/A Unlimited Unlimited 4000 10000.00 N/A 3000

Interna onal Plan IAMI Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

ComprehensiveAMP Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Travel ProtectorANZ Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Travel InsuranceBNZ 200000 200000 Unlimited Unlimited 3000 40000 750 2500

ComprehensiveChubb Insurance NZ 30000 2000 Unlimited Unlimited Unlimited 20000 400 5000

Pres geChubb Insurance NZ Unlimited 2000 Unlimited Unlimited Unlimited 40000 400 3000

Comprehensive Travel InsuranceCigna Insurance 200000 100000 Unlimited Unlimited 3000 40000 750 2500

Single Trip PremierColumbus Direct Travel Ins NZ 40000 150000 50000000 50000000 2000 20000 1000 5000

Single Trip StandardColumbus Direct Travel Ins NZ 20000 100000 50000000 50000000 1000 15000 500 4000

Comprehensive Travel InsuranceCountdown 200000 100000 Unlimited Unlimited 3000 40000 750 2500

Essen als Plan ‐ IECover‐More Travel Insurance NZ N/A 10000 Unlimited Unlimited Unlimited 8000 500 N/A

YourCover Interna onal ‐ Plan ICover‐More Travel Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

BackpackersDownunder Insurance NZ 10000 N/A Unlimited Unlimited 1500 6000 250 N/A

Travel Insurance Star Ratings 2019 - Page22Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple France

Online Insurance ComprehensiveHouse of Travel NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Comprehensive Interna onal Plan ASTA Travel NZ Unlimited 50000 Unlimited Unlimited Unlimited 24000 400 5000

Interna onal Plan IState N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

Comprehensive PlanVirgin Australia NZ Unlimited 50000 Unlimited Unlimited 4000 10000 500 3000

Essen als PlanVirgin Australia NZ Unlimited N/A Unlimited Unlimited 4000 10000 N/A 3000

Westpac TravelPlusWestpac NZ Unlimited 30000.00 Unlimited Unlimited Unlimited 25000.00 500.00 10000.00

ExplorerWorld Nomads NZ Unlimited 25000 Unlimited Unlimited 1000 20000 250 3000

StandardWorld Nomads NZ 7000 N/A 10000000 1000000 1000 4000 N/A N/A

Essen alsAA Insurance 10000 N/A 500000 500000 1000 10000 N/A 1000

Essen alsAMP Bank NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

EliteAon NZ Unlimited 100000 Unlimited Unlimited Unlimited 40000 400 5000

Online Insurance BasicHouse of Travel NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

Essen alsNZ Travel Insurance 10000 N/A 1000000 1000000 N/A 5000 N/A N/A

Basic Interna onal Plan ASTA Travel NZ Unlimited 20000 20000000 20000000 20000000 6000 N/A 5000

BudgetWorldcare NZ 10000 N/A 500000 500000 N/A 4000 N/A N/A

Cover4Travel (Plan C)Tower Limited Unlimited 100000.00 Unlimited Unlimited 3000.00 20000 1000 2000

Travel Insurance Star Ratings 2019 - Page23Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Indonesia

"Outstanding Value"

Travel ProtectorANZ Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Travel InsuranceBNZ 200000 200000 Unlimited Unlimited 3000 40000 750 2500

Travel Care Single Journey PolicySouthern Cross Travel Ins NZ Unlimited 50000 Unlimited Unlimited 1500 50000 500 5000

ComprehensiveTINZ 50000.00 30000.00 Unlimited Unlimited 2000.00 30000.00 500.00 6000.00

Comprehensive PlusTINZ Unlimited 50000.00 Unlimited Unlimited 5000.00 50000.00 500.00 6000.00

Essen alsTINZ 20000.00 N/A Unlimited Unlimited 1000.00 10000.00 N/A N/A

Plan A ‐ ComprehensiveWebjet NZ Unlimited 50000 Unlimited Unlimited 2000 10000 500 3000

Plan A ‐ Comprehensive1Cover Direct Insurance NZ Unlimited 50000 Unlimited Unlimited 1000 30000 500 5000

Comprehensive Travel InsuranceCigna Insurance 200000 100000 Unlimited Unlimited 3000 40000 750 2500

Single Trip StandardColumbus Direct Travel Ins NZ 20000 100000 50000000 50000000 1000 15000 500 4000

Comprehensive Travel InsuranceCountdown 200000 100000 Unlimited Unlimited 3000 40000 750 2500

PremierNZ Travel Insurance 50000 30000 Unlimited Unlimited 6000 20000 500 6000

Cover4Travel (Plan A)Tower Limited Unlimited 100000.00 200000 200000 3000.00 20000 1000 2000

Plan B ‐ Essen alsWebjet NZ 10000 30000 Unlimited 10000000 2000 6000 N/A 1000

ComprehensiveWorldcare NZ Unlimited 50000 Unlimited Unlimited 6000 50000 1000 6000

Travel Insurance Star Ratings 2019 - Page24Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Indonesia

ComprehensiveAA Insurance Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Interna onal Single TripAir New Zealand Unlimited 100000 Unlimited Unlimited 4000 50000 1500 5000

Plan A ‐ ComprehensiveAir Pacific Unlimited 50000 Unlimited Unlimited 4000 10000.00 500.00 3000

Plan B ‐ Essen alsAir Pacific Unlimited N/A Unlimited Unlimited 4000 10000.00 N/A 3000

Interna onal ComprehensiveAmerican Express NZ 20000 50000 Unlimited Unlimited Unlimited 20000 500 3000

Interna onal Plan IAMI Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

ComprehensiveAMP Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

ComprehensiveChubb Insurance NZ 30000 2000 Unlimited Unlimited Unlimited 20000 400 5000

Essen alsChubb Insurance NZ 20000 2000 Unlimited Unlimited Unlimited 10000 N/A N/A

Pres geChubb Insurance NZ Unlimited 2000 Unlimited Unlimited Unlimited 40000 400 3000

Single Trip PremierColumbus Direct Travel Ins NZ 40000 150000 50000000 50000000 2000 20000 1000 5000

YourCover Interna onal ‐ Plan ICover‐More Travel Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

BackpackersDownunder Insurance NZ 10000 N/A Unlimited Unlimited 1500 6000 250 N/A

ComprehensiveDownunder Insurance NZ 40000 50000 Unlimited Unlimited 1500 10000 500 N/A

Online Insurance ComprehensiveHouse of Travel NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Interna onalnib NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Essen alsNZ Travel Insurance 10000 N/A 1000000 1000000 N/A 5000 N/A N/A

Travel Insurance Star Ratings 2019 - Page25Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Indonesia

Basic Interna onal Plan ASTA Travel NZ Unlimited 20000 20000000 20000000 20000000 6000 N/A 5000

Comprehensive Interna onal Plan ASTA Travel NZ Unlimited 50000 Unlimited Unlimited Unlimited 24000 400 5000

Interna onal Plan IState N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

Interna onal TripTravel Insurance Direct NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Comprehensive PlanVirgin Australia NZ Unlimited 50000 Unlimited Unlimited 4000 10000 500 3000

Essen als PlanVirgin Australia NZ Unlimited N/A Unlimited Unlimited 4000 10000 N/A 3000

Westpac TravelPlusWestpac NZ Unlimited 30000.00 Unlimited Unlimited Unlimited 25000.00 500.00 10000.00

ExplorerWorld Nomads NZ Unlimited 25000 Unlimited Unlimited 1000 20000 250 3000

StandardWorld Nomads NZ 7000 N/A 10000000 1000000 1000 4000 N/A N/A

Essen alsAA Insurance 10000 N/A 500000 500000 1000 10000 N/A 1000

Essen alsAMP Bank NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

EliteAon NZ Unlimited 100000 Unlimited Unlimited Unlimited 40000 400 5000

Essen als Plan ‐ IECover‐More Travel Insurance NZ N/A 10000 Unlimited Unlimited Unlimited 8000 500 N/A

Online Insurance BasicHouse of Travel NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

BudgetWorldcare NZ 10000 N/A 500000 500000 N/A 4000 N/A N/A

Travel Insurance Star Ratings 2019 - Page26Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Japan

"Outstanding Value"

Travel ProtectorANZ Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Travel Care Single Journey PolicySouthern Cross Travel Ins NZ Unlimited 50000 Unlimited Unlimited 1500 50000 500 5000

Plan A ‐ ComprehensiveWebjet NZ Unlimited 50000 Unlimited Unlimited 2000 10000 500 3000

Plan B ‐ Essen alsWebjet NZ 10000 30000 Unlimited 10000000 2000 6000 N/A 1000

Plan A ‐ Comprehensive1Cover Direct Insurance NZ Unlimited 50000 Unlimited Unlimited 1000 30000 500 5000

Interna onal ComprehensiveAmerican Express NZ 20000 50000 Unlimited Unlimited Unlimited 20000 500 3000

Essen alsChubb Insurance NZ 20000 2000 Unlimited Unlimited Unlimited 10000 N/A N/A

Single Trip StandardColumbus Direct Travel Ins NZ 20000 100000 50000000 50000000 1000 15000 500 4000

PremierNZ Travel Insurance 50000 30000 Unlimited Unlimited 6000 20000 500 6000

Interna onal TripTravel Insurance Direct NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

ComprehensiveWorldcare NZ Unlimited 50000 Unlimited Unlimited 6000 50000 1000 6000

Travel Insurance Star Ratings 2019 - Page27Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Japan

ComprehensiveAA Insurance Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Interna onal Single TripAir New Zealand Unlimited 100000 Unlimited Unlimited 4000 50000 1500 5000

Plan A ‐ ComprehensiveAir Pacific Unlimited 50000 Unlimited Unlimited 4000 10000.00 500.00 3000

Plan B ‐ Essen alsAir Pacific Unlimited N/A Unlimited Unlimited 4000 10000.00 N/A 3000

Interna onal Plan IAMI Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

ComprehensiveAMP Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Travel InsuranceBNZ 200000 200000 Unlimited Unlimited 3000 40000 750 2500

ComprehensiveChubb Insurance NZ 30000 2000 Unlimited Unlimited Unlimited 20000 400 5000

Pres geChubb Insurance NZ Unlimited 2000 Unlimited Unlimited Unlimited 40000 400 3000

Single Trip PremierColumbus Direct Travel Ins NZ 40000 150000 50000000 50000000 2000 20000 1000 5000

Essen als Plan ‐ IECover‐More Travel Insurance NZ N/A 10000 Unlimited Unlimited Unlimited 8000 500 N/A

YourCover Interna onal ‐ Plan ICover‐More Travel Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

BackpackersDownunder Insurance NZ 10000 N/A Unlimited Unlimited 1500 6000 250 N/A

ComprehensiveDownunder Insurance NZ 40000 50000 Unlimited Unlimited 1500 10000 500 N/A

Online Insurance ComprehensiveHouse of Travel NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Interna onalnib NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Essen alsNZ Travel Insurance 10000 N/A 1000000 1000000 N/A 5000 N/A N/A

Travel Insurance Star Ratings 2019 - Page28Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Japan

Comprehensive Interna onal Plan ASTA Travel NZ Unlimited 50000 Unlimited Unlimited Unlimited 24000 400 5000

Interna onal Plan IState N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

ComprehensiveTINZ 50000.00 30000.00 Unlimited Unlimited 2000.00 30000.00 500.00 6000.00

Comprehensive PlusTINZ Unlimited 50000.00 Unlimited Unlimited 5000.00 50000.00 500.00 6000.00

Essen alsTINZ 20000.00 N/A Unlimited Unlimited 1000.00 10000.00 N/A N/A

Comprehensive PlanVirgin Australia NZ Unlimited 50000 Unlimited Unlimited 4000 10000 500 3000

Essen als PlanVirgin Australia NZ Unlimited N/A Unlimited Unlimited 4000 10000 N/A 3000

Westpac TravelPlusWestpac NZ Unlimited 30000.00 Unlimited Unlimited Unlimited 25000.00 500.00 10000.00

ExplorerWorld Nomads NZ Unlimited 25000 Unlimited Unlimited 1000 20000 250 3000

StandardWorld Nomads NZ 7000 N/A 10000000 1000000 1000 4000 N/A N/A

Travel Insurance Star Ratings 2019 - Page29Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple Japan

Essen alsAA Insurance 10000 N/A 500000 500000 1000 10000 N/A 1000

Essen alsAMP Bank NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

EliteAon NZ Unlimited 100000 Unlimited Unlimited Unlimited 40000 400 5000

Comprehensive Travel InsuranceCigna Insurance 200000 100000 Unlimited Unlimited 3000 40000 750 2500

Comprehensive Travel InsuranceCountdown 200000 100000 Unlimited Unlimited 3000 40000 750 2500

Online Insurance BasicHouse of Travel NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

Basic Interna onal Plan ASTA Travel NZ Unlimited 20000 20000000 20000000 20000000 6000 N/A 5000

BudgetWorldcare NZ 10000 N/A 500000 500000 N/A 4000 N/A N/A

Cover4Travel (Plan C)Tower Limited Unlimited 100000.00 Unlimited Unlimited 3000.00 20000 1000 2000

Travel Insurance Star Ratings 2019 - Page30Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple South Africa

"Outstanding Value"

PremierNZ Travel Insurance 50000 30000 Unlimited Unlimited 6000 20000 500 6000

ComprehensiveTINZ 50000.00 30000.00 Unlimited Unlimited 2000.00 30000.00 500.00 6000.00

Essen alsTINZ 20000.00 N/A Unlimited Unlimited 1000.00 10000.00 N/A N/A

Plan A ‐ ComprehensiveWebjet NZ Unlimited 50000 Unlimited Unlimited 2000 10000 500 3000

ComprehensiveWorldcare NZ Unlimited 50000 Unlimited Unlimited 6000 50000 1000 6000

Plan A ‐ Comprehensive1Cover Direct Insurance NZ Unlimited 50000 Unlimited Unlimited 1000 30000 500 5000

ComprehensiveAMP Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Travel ProtectorANZ Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Online Insurance ComprehensiveHouse of Travel NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Interna onalnib NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Essen alsNZ Travel Insurance 10000 N/A 1000000 1000000 N/A 5000 N/A N/A

Comprehensive PlusTINZ Unlimited 50000.00 Unlimited Unlimited 5000.00 50000.00 500.00 6000.00

Interna onal TripTravel Insurance Direct NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Plan B ‐ Essen alsWebjet NZ 10000 30000 Unlimited 10000000 2000 6000 N/A 1000

Travel Insurance Star Ratings 2019 - Page31Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple South Africa

ComprehensiveAA Insurance Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Interna onal Single TripAir New Zealand Unlimited 100000 Unlimited Unlimited 4000 50000 1500 5000

Plan A ‐ ComprehensiveAir Pacific Unlimited 50000 Unlimited Unlimited 4000 10000.00 500.00 3000

Plan B ‐ Essen alsAir Pacific Unlimited N/A Unlimited Unlimited 4000 10000.00 N/A 3000

Interna onal ComprehensiveAmerican Express NZ 20000 50000 Unlimited Unlimited Unlimited 20000 500 3000

Interna onal Plan IAMI Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

Essen alsAMP Bank NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

Travel InsuranceBNZ 200000 200000 Unlimited Unlimited 3000 40000 750 2500

ComprehensiveChubb Insurance NZ 30000 2000 Unlimited Unlimited Unlimited 20000 400 5000

Essen alsChubb Insurance NZ 20000 2000 Unlimited Unlimited Unlimited 10000 N/A N/A

Pres geChubb Insurance NZ Unlimited 2000 Unlimited Unlimited Unlimited 40000 400 3000

Comprehensive Travel InsuranceCigna Insurance 200000 100000 Unlimited Unlimited 3000 40000 750 2500

Single Trip PremierColumbus Direct Travel Ins NZ 40000 150000 50000000 50000000 2000 20000 1000 5000

Single Trip StandardColumbus Direct Travel Ins NZ 20000 100000 50000000 50000000 1000 15000 500 4000

Comprehensive Travel InsuranceCountdown 200000 100000 Unlimited Unlimited 3000 40000 750 2500

BackpackersDownunder Insurance NZ 10000 N/A Unlimited Unlimited 1500 6000 250 N/A

ComprehensiveDownunder Insurance NZ 40000 50000 Unlimited Unlimited 1500 10000 500 N/A

Travel Insurance Star Ratings 2019 - Page32Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple South Africa

Travel Care Single Journey PolicySouthern Cross Travel Ins NZ Unlimited 50000 Unlimited Unlimited 1500 50000 500 5000

Interna onal Plan IState N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

Comprehensive PlanVirgin Australia NZ Unlimited 50000 Unlimited Unlimited 4000 10000 500 3000

Westpac TravelPlusWestpac NZ Unlimited 30000.00 Unlimited Unlimited Unlimited 25000.00 500.00 10000.00

ExplorerWorld Nomads NZ Unlimited 25000 Unlimited Unlimited 1000 20000 250 3000

StandardWorld Nomads NZ 7000 N/A 10000000 1000000 1000 4000 N/A N/A

BudgetWorldcare NZ 10000 N/A 500000 500000 N/A 4000 N/A N/A

Essen alsAA Insurance 10000 N/A 500000 500000 1000 10000 N/A 1000

EliteAon NZ Unlimited 100000 Unlimited Unlimited Unlimited 40000 400 5000

Essen als Plan ‐ IECover‐More Travel Insurance NZ N/A 10000 Unlimited Unlimited Unlimited 8000 500 N/A

YourCover Interna onal ‐ Plan ICover‐More Travel Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

Online Insurance BasicHouse of Travel NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

Basic Interna onal Plan ASTA Travel NZ Unlimited 20000 20000000 20000000 20000000 6000 N/A 5000

Comprehensive Interna onal Plan ASTA Travel NZ Unlimited 50000 Unlimited Unlimited Unlimited 24000 400 5000

Cover4Travel (Plan B)Tower Limited Unlimited 100000 400000 400000 3000.00 20000 1000 2000

Essen als PlanVirgin Australia NZ Unlimited N/A Unlimited Unlimited 4000 10000 N/A 3000

Travel Insurance Star Ratings 2019 - Page33Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple United Kingdom

"Outstanding Value"

PremierNZ Travel Insurance 50000 30000 Unlimited Unlimited 6000 20000 500 6000

Travel Care Single Journey PolicySouthern Cross Travel Ins NZ Unlimited 50000 Unlimited Unlimited 1500 50000 500 5000

ComprehensiveTINZ 50000.00 30000.00 Unlimited Unlimited 2000.00 30000.00 500.00 6000.00

Plan A ‐ ComprehensiveWebjet NZ Unlimited 50000 Unlimited Unlimited 2000 10000 500 3000

Plan B ‐ Essen alsWebjet NZ 10000 30000 Unlimited 10000000 2000 6000 N/A 1000

Plan A ‐ Comprehensive1Cover Direct Insurance NZ Unlimited 50000 Unlimited Unlimited 1000 30000 500 5000

Interna onal ComprehensiveAmerican Express NZ 20000 50000 Unlimited Unlimited Unlimited 20000 500 3000

Travel ProtectorANZ Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

ComprehensiveChubb Insurance NZ 30000 2000 Unlimited Unlimited Unlimited 20000 400 5000

Essen alsChubb Insurance NZ 20000 2000 Unlimited Unlimited Unlimited 10000 N/A N/A

ComprehensiveDownunder Insurance NZ 40000 50000 Unlimited Unlimited 1500 10000 500 N/A

Online Insurance ComprehensiveHouse of Travel NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Essen alsTINZ 20000.00 N/A Unlimited Unlimited 1000.00 10000.00 N/A N/A

ComprehensiveWorldcare NZ Unlimited 50000 Unlimited Unlimited 6000 50000 1000 6000

Travel Insurance Star Ratings 2019 - Page34Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple United Kingdom

ComprehensiveAA Insurance Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Interna onal Single TripAir New Zealand Unlimited 100000 Unlimited Unlimited 4000 50000 1500 5000

Plan A ‐ ComprehensiveAir Pacific Unlimited 50000 Unlimited Unlimited 4000 10000.00 500.00 3000

Plan B ‐ Essen alsAir Pacific Unlimited N/A Unlimited Unlimited 4000 10000.00 N/A 3000

Interna onal Plan IAMI Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

ComprehensiveAMP Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Travel InsuranceBNZ 200000 200000 Unlimited Unlimited 3000 40000 750 2500

Pres geChubb Insurance NZ Unlimited 2000 Unlimited Unlimited Unlimited 40000 400 3000

Comprehensive Travel InsuranceCigna Insurance 200000 100000 Unlimited Unlimited 3000 40000 750 2500

Single Trip PremierColumbus Direct Travel Ins NZ 40000 150000 50000000 50000000 2000 20000 1000 5000

Single Trip StandardColumbus Direct Travel Ins NZ 20000 100000 50000000 50000000 1000 15000 500 4000

Comprehensive Travel InsuranceCountdown 200000 100000 Unlimited Unlimited 3000 40000 750 2500

BackpackersDownunder Insurance NZ 10000 N/A Unlimited Unlimited 1500 6000 250 N/A

Interna onalnib NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Essen alsNZ Travel Insurance 10000 N/A 1000000 1000000 N/A 5000 N/A N/A

Basic Interna onal Plan ASTA Travel NZ Unlimited 20000 20000000 20000000 20000000 6000 N/A 5000

Comprehensive Interna onal Plan ASTA Travel NZ Unlimited 50000 Unlimited Unlimited Unlimited 24000 400 5000

Travel Insurance Star Ratings 2019 - Page35Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple United Kingdom

Interna onal Plan IState N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

Comprehensive PlusTINZ Unlimited 50000.00 Unlimited Unlimited 5000.00 50000.00 500.00 6000.00

Interna onal TripTravel Insurance Direct NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Comprehensive PlanVirgin Australia NZ Unlimited 50000 Unlimited Unlimited 4000 10000 500 3000

Essen als PlanVirgin Australia NZ Unlimited N/A Unlimited Unlimited 4000 10000 N/A 3000

Westpac TravelPlusWestpac NZ Unlimited 30000.00 Unlimited Unlimited Unlimited 25000.00 500.00 10000.00

ExplorerWorld Nomads NZ Unlimited 25000 Unlimited Unlimited 1000 20000 250 3000

StandardWorld Nomads NZ 7000 N/A 10000000 1000000 1000 4000 N/A N/A

BudgetWorldcare NZ 10000 N/A 500000 500000 N/A 4000 N/A N/A

Essen alsAA Insurance 10000 N/A 500000 500000 1000 10000 N/A 1000

Essen alsAMP Bank NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

EliteAon NZ Unlimited 100000 Unlimited Unlimited Unlimited 40000 400 5000

Essen als Plan ‐ IECover‐More Travel Insurance NZ N/A 10000 Unlimited Unlimited Unlimited 8000 500 N/A

YourCover Interna onal ‐ Plan ICover‐More Travel Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

Online Insurance BasicHouse of Travel NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

Cover4Travel (Plan B)Tower Limited Unlimited 100000 400000 400000 3000.00 20000 1000 2000

Travel Insurance Star Ratings 2019 - Page36Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple USA

"Outstanding Value"

Interna onal ComprehensiveAmerican Express NZ 20000 50000 Unlimited Unlimited Unlimited 20000 500 3000

Travel Care Single Journey PolicySouthern Cross Travel Ins NZ Unlimited 50000 Unlimited Unlimited 1500 50000 500 5000

ComprehensiveTINZ 50000.00 30000.00 Unlimited Unlimited 2000.00 30000.00 500.00 6000.00

Plan A ‐ ComprehensiveWebjet NZ Unlimited 50000 Unlimited Unlimited 2000 10000 500 3000

Plan B ‐ Essen alsWebjet NZ 10000 30000 Unlimited 10000000 2000 6000 N/A 1000

Plan A ‐ Comprehensive1Cover Direct Insurance NZ Unlimited 50000 Unlimited Unlimited 1000 30000 500 5000

Plan A ‐ ComprehensiveAir Pacific Unlimited 50000 Unlimited Unlimited 4000 10000.00 500.00 3000

Plan B ‐ Essen alsAir Pacific Unlimited N/A Unlimited Unlimited 4000 10000.00 N/A 3000

Travel InsuranceBNZ 200000 200000 Unlimited Unlimited 3000 40000 750 2500

Essen alsChubb Insurance NZ 20000 2000 Unlimited Unlimited Unlimited 10000 N/A N/A

Single Trip StandardColumbus Direct Travel Ins NZ 20000 100000 50000000 50000000 1000 15000 500 4000

Online Insurance ComprehensiveHouse of Travel NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

PremierNZ Travel Insurance 50000 30000 Unlimited Unlimited 6000 20000 500 6000

Essen alsTINZ 20000.00 N/A Unlimited Unlimited 1000.00 10000.00 N/A N/A

Travel Insurance Star Ratings 2019 - Page37Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple USA

ComprehensiveAA Insurance Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Interna onal Single TripAir New Zealand Unlimited 100000 Unlimited Unlimited 4000 50000 1500 5000

Interna onal Plan IAMI Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

ComprehensiveAMP Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

Travel ProtectorANZ Bank NZ Unlimited 100000 Unlimited Unlimited 6000 60000 1000 6000

EliteAon NZ Unlimited 100000 Unlimited Unlimited Unlimited 40000 400 5000

ComprehensiveChubb Insurance NZ 30000 2000 Unlimited Unlimited Unlimited 20000 400 5000

Pres geChubb Insurance NZ Unlimited 2000 Unlimited Unlimited Unlimited 40000 400 3000

Comprehensive Travel InsuranceCigna Insurance 200000 100000 Unlimited Unlimited 3000 40000 750 2500

Single Trip PremierColumbus Direct Travel Ins NZ 40000 150000 50000000 50000000 2000 20000 1000 5000

Comprehensive Travel InsuranceCountdown 200000 100000 Unlimited Unlimited 3000 40000 750 2500

Essen als Plan ‐ IECover‐More Travel Insurance NZ N/A 10000 Unlimited Unlimited Unlimited 8000 500 N/A

YourCover Interna onal ‐ Plan ICover‐More Travel Insurance NZ N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

BackpackersDownunder Insurance NZ 10000 N/A Unlimited Unlimited 1500 6000 250 N/A

ComprehensiveDownunder Insurance NZ 40000 50000 Unlimited Unlimited 1500 10000 500 N/A

Online Insurance BasicHouse of Travel NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

Interna onalnib NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Travel Insurance Star Ratings 2019 - Page38Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.

Travel Insurance Star RatingsWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.

All ra ngs take into account costs and features ‐ see our methodology document for further details

Company Product 24 Hour Help Line

Cancella on Fee Cover

Accidental DeathCover

Overseas Medical

Overseas Hospital

Repatria on/Evalua on

Overseas Dental

Luggage/ Personal Effects

The of Cash

Personal BelongingsRental Vehicle Excess Covered

Couple USA

Essen alsNZ Travel Insurance 10000 N/A 1000000 1000000 N/A 5000 N/A N/A

Basic Interna onal Plan ASTA Travel NZ Unlimited 20000 20000000 20000000 20000000 6000 N/A 5000

Comprehensive Interna onal Plan ASTA Travel NZ Unlimited 50000 Unlimited Unlimited Unlimited 24000 400 5000

Interna onal Plan IState N/A 30000 Unlimited Unlimited Unlimited 50000 1000 10000

Comprehensive PlusTINZ Unlimited 50000.00 Unlimited Unlimited 5000.00 50000.00 500.00 6000.00

Cover4Travel (Plan C)Tower Limited Unlimited 100000.00 Unlimited Unlimited 3000.00 20000 1000 2000

Interna onal TripTravel Insurance Direct NZ Unlimited 50000 Unlimited Unlimited 500 24000 250 4000

Comprehensive PlanVirgin Australia NZ Unlimited 50000 Unlimited Unlimited 4000 10000 500 3000

Essen als PlanVirgin Australia NZ Unlimited N/A Unlimited Unlimited 4000 10000 N/A 3000

Westpac TravelPlusWestpac NZ Unlimited 30000.00 Unlimited Unlimited Unlimited 25000.00 500.00 10000.00

ExplorerWorld Nomads NZ Unlimited 25000 Unlimited Unlimited 1000 20000 250 3000

StandardWorld Nomads NZ 7000 N/A 10000000 1000000 1000 4000 N/A N/A

BudgetWorldcare NZ 10000 N/A 500000 500000 N/A 4000 N/A N/A

ComprehensiveWorldcare NZ Unlimited 50000 Unlimited Unlimited 6000 50000 1000 6000

Essen alsAA Insurance 10000 N/A 500000 500000 1000 10000 N/A 1000

Essen alsAMP Bank NZ 10000 N/A 500000 500000 1000 10000 N/A 1000

Travel Insurance Star Ratings 2019 - Page39Report Date: March, 2019. (All information correct as at February, 2019.)

This Report should be read together with the Methodology document. Together the two documents form the research report in relation to the subject matter.