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Columbus Direct Travel Insurance Review

Heading overseas? Consider Columbus Direct Travel Insurance policies to get cover for ski trips and cruises.


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Columbus Direct Travel Insurance provides single and multi-trip policies with different benefit limits so you can choose the right coverage for your needs. You can add on special packs for winter sports and high-risk sporting activities to have peace of mind in case something goes wrong while you are having the time of your life.

What policies does Columbus Direct Travel Insurance offer?

Single Trip

The Single Trip policy offered by Columbus Direct caters for trips up to 365 days out of New Zealand and comes with different cover levels and additional options, so you can tailor your policy to suit your vacation needs. The Premier Single Trip policy has a $100 excess, with high limits for each area of cover. If you choose the Standard Single Trip policy, your excess will be $150 with lower limits for cancellation, personal baggage and personal accident benefit.

Annual Multi-Trip

With the Annual Multi-Trip policy, you can go on as many trips as you like within a year, and you don’t need to tell Columbus Direct that you are getting on a plane. Each trip that you take can last up to 60 days, and you have the option of choosing a Worldwide policy or a Worldwide excluding the USA and Canada policy. This means that you are covered for anywhere you want to go provided it’s not categorised as an unsafe destination by the New Zealand government.

The Annual Multi-Trip policy doesn’t just cover overseas trips, as some domestic travel is included as well if you are staying at least 500km away from home and in third-party accommodation for at least two nights.

Benefits of Columbus Direct Travel Insurance policies

  • Two levels of cover. Choose the policy you need to suit your budget and needs.
  • Medical expenses. Up to $25 million for overseas expenses when you become sick or injured.
  • 24/7 multilingual emergency assistance. In case you need emergency medical treatment.
  • Baggage and personal items. Cover for up to $10,000 for your belongings and up to $3,000 for electronics including cameras and laptops.
  • Children. When travelling with parents or grandparents, two infants under two years old and three children aged between two and eighteen are covered if their names are included on the policy.
  • Legal expenses. Up to $75,000 for legal advice or expenses to seek compensation if you are injured.
  • Hospital cover. If you are hospitalised for more than 24 hours, you can receive a daily cash benefit.
  • Cruises. Cover may be included depending on where your ship is sailing to.
  • Personal liability. Up to $5 million for damage to property or injury to another person.
  • Cooling off period. You have 19 days from the time you purchase your policy to change your mind.

Additional options available:

  • Winter sports cover. Included expenses related to piste closure, ski equipment, ski hire and the value of a ski pass that you are unable to use due to injury or illness.
  • Sports, leisure and work activity packs. You have two add-on packs to choose from that cover certain high-risk activities.
  • Pregnancy extension is available for travelling between your 25th and 30th week. The cover is automatically included up to 25 weeks.

Columbus Direct Travel Insurance claims

If you need to make a claim on your Columbus Direct insurance policy, you can do so within 31 days of arriving back in New Zealand.

  • Find the correct email address to use to make your claim on the Columbus Direct website. Policies before and after 1 January 2019 have different contacts.
  • Write an email describing what happened. Make sure to include your Insurance Schedule Number, your full name, phone number and address.
  • Keep any receipts, invoices, police reports or medical reports in a safe place until you are contacted about your claim. You may be asked to send these to Columbus Direct to support your claim.

Who is eligible for Columbus Direct Travel Insurance?

Unlike with other New Zealand insurance companies, you don’t need to be a New Zealand citizen or permanent resident to take out a policy with Columbus Direct. This means that if you have been living in New Zealand under a work visa, working holiday visa or temporary resident visa for at least three months prior to getting a policy, you are eligible.

However, non-residents wanting to take out a policy should understand the following:

  • If you are needed to be repatriated from your destination due to medical reasons, you will need to go back to New Zealand rather than your home country.
  • You can only cancel or curtail your trip for the death, injury or illness of a relative living in New Zealand that is under 85 years of age.
  • No cover for medical treatment in New Zealand is included.

Frequently asked questions

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