Unfortunately, it’s not worth the paper it’s printed on.
If you’re relying on the cover for upcoming trips, don’t expect them to pay out, they will try every exclusion or piece of fine print they can.
I was in a kiteboarding accident so needed to cancel an upcoming trip, but it was declined by Cigna (BNZ’s credit card travel insurance partner).
I’ve subsequently compared the BNZ credit card travel policy vs travel policies offered by other providers (buying direct) and it definately appears the BNZ one to be a watered down version.
Disappointing, I think it’s time to find a new bank/credit card provider. Slowly watched the benefits with BNZ erode, starting with Airpoints being taken away, the credit card cashback rate being significantly reduced and now the travel policy not paying out.