Get additional cover for your snow sport activities
Getting out on the slopes and amongst the fresh powder can be an adrenalin rush.
Remember, while there is fun and excitement - there is also the risk of injuries, as well as loss or damage to expensive ski equipment.
Allianz Comprehensive, Domestic and Multi-trip Travel Insurance plans provide the option to add a Snow Pack for an additional premium.
Our Snow Pack is designed to cover your equipment, piste closure, emergency rescue and more1.
If you are heading to the snow, this pack is designed to provide cover for you to take part in snow sport activities. Refer to the Policy Wording for a definition of ‘Snow Sport Activities’ (Our Definitions) and full details of what the Snow Pack covers.
You must be under 75 years at the time of issue of your Certificate of Insurance to buy this optional pack.
We will arrange assistance services if you get injured, sick, or need treatment for a pre-existing condition while participating in snow sports overseas. Provided the relevant injury or sickness is covered by your policy. It includes:
This benefit also applies if you are diagnosed with COVID-19 and suffer losses due to the illness.
We will cover the repair or replacements costs if your equipment is stolen, accidently damaged or lost.
Costs to hire equipment if your own equipment is stolen, accidently damaged, lost or delayed.
Cover unused pre-booked and pre-paid ski passes, ski hire, tuition fees or lift passes if you are injured or become sick during your trip.
If you are unable to participate in planned Snow Sport Activities due to the lift systems being closed because of insufficient snow, bad weather, or power failure we will reimburse your expenses.
We will reimburse you for additional travel and accommodation expenses you incur if your outward or return journey is delayed due to bad weather or an avalanche.
Please note: Snow Packs have an additional excess of $500, which cannot be changed or removed. Overseas Medical and Hospital Expenses or Cancellation claims arising from or are in any way connected with you participating in Snow Sport Activities will incur a $500 excess in addition to your chosen base excess.
It's important to note that coverage and benefits limits can vary depending on the policy you choose. Therefore, it's important for you to consider the Policy Wording before making any decisions about your travel insurance.
Conditions apply
The table below shows the benefits of a Snow Pack and the maximum amount we will pay, per person, for all claims combined under each benefit. This is a summary only and not all circumstances are covered, please read the Policy Wording for full details.
You only have cover for these benefits if you add a Snow Pack.
*Sub-Limits apply – refer to the Optional Covers - Cruise Pack and Snow Pack Policy Benefits section of the Policy Wording for details.
#You only have cover for these Benefits if the relevant Pack has been purchased.
^You don't have cover under this benefit while travelling in New Zealand.
Note all limits and premiums are in New Zealand dollars.
View our Financial Strength Rating.
Allianz Comprehensive, Domestic and Multi Trip plans do not automatically include cover for activities and losses related to skiing or snow activities as standard.
To get cover for snow activities you'll need to select the Snow Pack when you first purchase your travel insurance policy.
Our Snow Pack is an add on product that covers you specifically for the ski or snowboarding element of your trip, and can be added to Comprehensive, Domestic and Multi Trip plans for an additional premium.
If you are planning a trip to the snow that will involve snow sports, adding a Snow Pack to your travel insurance policy can cover you for things like loss or damage to your equipment, piste closure, emergency rescue and more.
Our Snow Pack covers amateur skiing, snowboarding, sledding, tobogganing, or tubing conducted on groomed terrain, marked slopes or trails that are open, maintained and monitored within ski resort boundaries.
An Allianz Travel Insurance Snow Pack does not cover you for:
The Snow Pack doesn't provide cover for permanent disability or personal liability claims arising from your participation in snow sports activities.
The Snow Pack doesn't cover you for emergency rescue or medical evacuation within New Zealand.
Our Comprehensive and Multi-trip plans provide cover for overseas emergency medical and hospital expenses arising from your participation in snow sport activities only when a Snow Pack has been purchased. An additional $500 excess applies for any of these claims.
Please note: Medical expenses while you are in New Zealand are NOT covered under our Snow Pack.
Yes, Snow Packs will have an additional premium, which is determined by your age and destination.
Our Snow Pack also has an additional excess of $500, which cannot be changed or removed. Overseas Medical and Hospital Expenses or Cancellation claims arising from your participation in snow sport activities will incur a $500 excess in addition to your chosen base excess.
Yes, you must be under 75 years at the time of issue of your Certificate of Insurance to buy this optional pack.
Allianz Travel Insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners (NZBN 9429035270157) under binder with and on behalf of Mitsui Sumitomo Insurance Company, Limited (NZBN 9429039809810, FSP Number 20661) (Incorporated in Japan) as the underwriter.
You should read the policy wording and consider obtaining independent legal or financial advice before making any decisions about this insurance. Terms, conditions, limits, sub-limits and exclusions apply.
Mitsui Sumitomo Insurance Company, Limited – Financial Strength Rating
Mitsui Sumitomo Insurance Company, Limited has a financial strength rating of A+ (Stable) given by S&P Global Ratings. The S&P Global rating scale* in summary form is:
AAA |
Extremely Strong |
BB |
Marginal |
R |
Under Regulatory Supervision |
AA |
Very Strong |
B |
Weak |
SD |
Selective Default |
A |
Strong |
CCC |
Very Weak |
D |
Default |
BBB |
Good |
CC |
Extremely Weak |
NR |
Not Rated |
The rating may be modified by the addition of a plus (+) or minus (-) sign to show relative standings within the major rating categories.
Further information on the S&P Global ratings is available here.
Further information on Mitsui Sumitomo Insurance Company, Limited is available here.
