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.
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