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01 Aug 2016, Catherine W.
It was free - that's paid for by our bank fees
Coverage seemed reasonable
It is NOT a general travel insurance. It is only for Leisure travel, and if you go to a conference or do voluntary work you are not covered, even if you are unpaid and do it in your holiday time. Two agents I spoke to on separate occasions insisted that it did not cover any "work", including voluntary unpaid work, attending a conference for a voluntary group. When I pressed them for a definition of "work" they insisted there was one in the General Exclusions of the BNZ gold card policy, but on the web policy I could not find it. They insisted it is a limit of their policy. So, beware.
Maybe, it depends on what you're after.