Tower Travel Insurance Review

Compare Tower travel insurance policies to find the right cover to meet your needs.

Tower Insurance is a provider with over 140 years of experience offering cover for cars, houses, contents and businesses. Tower offers just two travel insurance policies, with cover for over-65s and those with pre-existing conditions.

What travel insurance policies does Tower offer?


Cover4Travel is a policy designed for those wanting simple insurance they can arrange online without needing to speak to anybody. To be eligible, you must be under the age of 65 and have no pre-existing medical conditions. You also must be travelling for 120 days or less. Cover4Travel includes cover for emergency medical expenses, travel delays, theft and loss. You can choose to have a policy for worldwide travel, worldwide excluding the USA or just for Australia and the Pacific Islands when you complete your quote online.


The Provider policy provides insurance for people over the age of 65 or for anyone that has pre-existing medical conditions. It’s suitable for travellers who will be away from New Zealand for more than 120 days and will be taking high-value items such as jewellery or electronics with them. You’ll find higher limits than on the Cover4Travel policy to give you peace of mind that you’re covered for a wide range of accidents, emergencies, loss and damage. There are discounts for groups of 10 or more travelling together, with special plans for families and couples. You’ll need to speak to someone at Tower to get a quote, as it’s not possible to get a quote for this policy online.

Benefits of Tower travel insurance

  • Children are free. Dependent children under 18 can travel with you for free as long as they’re New Zealand residents and live with you.
  • Deposits and cancellations. Get unlimited cover for lost deposits and cancellation.
  • Medical cover. Unlimited cover for emergency medical expenses.
  • Baggage and personal items. Get up to $20,000 for an individual for damage or loss to personal belongings.
  • Permanent disability or death. You’re covered up to $50,000 if you’re left permanently disabled or die as the result of an unexpected event overseas.
  • Strikes and hijacks. Get up to $5,000 for an individual if your travel plans are affected by a strike or hijacking.
  • Personal liability. You’re covered up to $2 million if you cause loss or damage to a property, or injure a person while overseas.
  • Cameras. You can get up to $2,500 per item.
  • Rental vehicle. $2,000 is included to cover your excess if you have an accident.

Tower travel insurance claims

When you need to make a claim, you have three options:

  • Fill in a claim form online
  • Download a claim form then email it to Tower
  • Download a claim form and send it by post

Whichever option you choose, you’ll need to fill in your reference number, personal details and what you’re claiming for. You may be asked to supply supporting documents depending on the situation of the claim.

After your claim is submitted, you’ll be contacted to inform you of what will happen next as quickly as possible.

Who is eligible for Tower travel insurance?

Tower travel insurance is available for New Zealand residents who are travelling abroad and returning to New Zealand.

Special requirements of the Cover4Travel policy include the following:

  • You must be under 65 years old
  • You must have no pre-existing conditions
  • You must be travelling for no more than 120 days

The Provider policy is open to anyone who is over 65, travelling for more than 120 days or has pre-existing medical conditions.

Frequently asked questions

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