Travel insurers operating in New Zealand continue to exclude losses linked to war and armed conflict, while taking differing approaches to terrorism, civil unrest, natural disasters, strikes, and pandemics, according to analysis by personal finance website MoneyHub. The research reviews policy wordings from four underwriting groups that support most retail travel insurance brands sold in New Zealand. Across those products, claims arising from war, military operations, or similar hostilities are excluded in all cases. MoneyHub’s report finds that terrorism-related benefits are limited. It identifies one insurer that offers terrorism-related medical cover and another that provides terrorism-related cancellation benefits, subject to defined conditions. Most policies reviewed exclude terrorism-related events under both medical and cancellation sections.