Cigna Travel Insurance NZ
Although Cigna are most well known for their life and funeral cover insurance policies they also offer excellent travel insurance options. Travel insurance is always a good idea and Cigna offers comprehensive cover options, with them allowing claims up to $100,000 per person in travel cancellation costs to be made, as well as providing unlimited medical cover. Quotes from Cigna Insurance can be easily seen by filling out just a few questions on their website, and glimp allows you to compare travel insurance options so that you can find your cheapest option and the one that works best for you!
Why get Travel Insurance with Cigna?
Cigna stands out as an affordable, strong travel insurance company in NZ- their financial strength has been ‘A’ (excellent) rated by A.M. Best Company Ltd. They offer 24 hour emergency assistance to travellers, cover for an extensive range of pre-existing medical conditions, provide affordable premiums with a 35% discount if you buy online and offer fully comprehensive cover options, including a quick and easy claims process that is able to be undertaken by telephone. Quotes from Cigna travel insurance are easy to obtain from their online site, and comparisons between Cigna and other NZ travel insurance companies can be easily seen on glimp’s comparison page.
Is it worth it to get Travel Insurance?
It doesn’t matter how many holidays you take in your lifetime, or where you go on those holidays, you can be virtually guaranteed that somewhere sometime, something will go wrong, whether it is losing a passport, sudden medical or dental costs, or missing a flight. Travel insurance is always a good idea to ensure protection so when this thing does go wrong, no matter how big or small it is, you have cover.
What can I claim?
Cigna’s fully comprehensive cover options means that you can claim up to $100,000 in travel cancellation costs per person and can claim unlimited medical cover. Cigna also provide cover for an extensive range of pre-existing medical conditions, and if you have children under the age of sixteen then they are covered for free as well when travelling with you.
Cigna Travel Insurance Policies NZ
Cigna offers several travel insurance policies for single trip holidays, which is when you leave New Zealand, travel for a time, and then return; it doesn’t matter if you’re visiting multiple countries, as you are still leaving and then returning home in one trip. Cigna’s travel insurance is tailored towards single trips and is thus an attractive option for anyone considering travel insurance.
Congratulations! You’re a big spender and have time and funds to go on several overseas trips a year; multi-trip insurance can cover a holiday period usually ranging from 30 to 75 days and can be used for several trips throughout the year, saving you money. Unfortunately, Cigna does not offer multi-trip insurance so it is best to look for other providers if this is your plan.
Tempted by deep sea diving, or winter sports, or literal mountain biking? Cigna offers Adventure Travel Insurance, which is similar to ordinary travel insurance but has been developed for people who like to go off the beaten track a bit and carry out physical activities like skydiving, skiing, and cycling. Cigna has a full list of what hazardous activities are covered under their normal travel insurance policy, and which ones aren’t in their Travel Insurance Policy Wording booklet available on their website.
Cigna Insurance FAQs
Cigna travel insurance offers a 35% discount if you buy online. This discount applies to base premium and cover for specified items, but does not apply to any additional premium for covered medical conditions. Once this discount is applied, Cigna travel insurance becomes one of NZ’s cheaper travel insurance providers, making them perfect for travellers on a budget.
A number of exclusions apply to Cigna travel insurance. Before the trip, you’re not covered for claims relating to pre-existing conditions not listed in your policy summary as covered conditions, your decision not to travel or the decision not to travel by anyone who is travelling with you, your failure to check in or board at the correct time for scheduled transport services and your failure to arrange, confirm and carry your visas, passports and other important documentation. A number of important conditions apply to misfortunes that may occur during your trip- a full policy wording of these is available on Cigna’s website.
Your insurance is provided and underwritten by Cigna Life Insurance New Zealand Limited (Cigna). Cigna will sign and accept liability, thus guaranteeing your payment in the event of setbacks occurring to your travel plans. Cigna is the only entity that can approve and accept your policy and as per their policy wording will undertake responsibility for administration, claims and other matters relating to your policy.
Depending on your individual wants and needs, Cigna can insure your trip by up to $100,000 per person. This will cover any hospital bills; emergency services that are needed; your baggage, personal items and travel documents; baggage delay; stolen cash, travellers cheques and bank cards; a cash allowance whilst you are in hospital; follow-up treatment; emergency dental treatment; medical evacuation; rental vehicle excess waiver if it is damaged or stolen; legal expenses for false arrest; accidental death and burial costs; and legal expenses relating to your death.