Travel smarter in uncertain times

International travel tops the wish list for four out of five Kiwis in 2025, according to Southern Cross Travel Insurance’s Future of Travel report. With geopolitical unrest, natural disasters, and conflict defining the global environment at present, today’s travellers must navigate a world where plans can shift in an instant. That’s why understanding what your travel insurance covers, and what it doesn’t, is more important than ever.

As recent events have shown, conflict and unrest can unfold swiftly and at times in unexpected places. Travel insurers typically exclude destinations already experiencing conflict from their policies. Currently, this includes countries such as Israel, North Korea, Venezuela, Afghanistan, Syria, Sudan, Iran, and Iraq. If conflict is well-publicised before you depart, it’s unlikely your travel insurance will cover related claims. However, if unrest emerges unexpectedly after you’ve already begun your journey, your policy is likely to provide cover.

According to the Future of Travel report, three out of four New Zealanders believe travel insurance is more important now that climate change has made weather patterns unpredictable and natural disasters more likely. Most travel policies cover unforeseen weather events that occur after the policy is purchased. However, it is important to note that there will be no cover for claims made on a new policy taken out after it is reasonably expected to be aware of the weather event, such as when a storm has been widely reported or a weather alert has been issued.

Thanks to our partnership with Southern Cross Travel Insurance (SCTI), Gallagher clients have access to SCTI's comprehensive travel products – alongside expert advice from brokers who understand your travel plans and assess your specific travel risks. "As SCTI’s first broking partner we are proud to be able to offer our clients access to premier insurance products not previously available through insurance brokers," states Myles Noble, Head of Insurer Relationships at Gallagher. "SCTI is renowned for its exceptional claims service, further adding to the value we deliver to clients.”

Before you set off on your next adventure, talk to your Gallagher broker. Our brokers can advise on the latest travel advisories and help you navigate the fine print to secure the right protection – so you can travel with confidence, no matter what the world throws your way.