Kiwi tourists are still expected to travel to terror hotspots in the wake of the Brussels attacks - but insurance is unlikely to cover any terror-related cancellations.
A security expert is urging New Zealanders to be more vigilant after this week's Islamic State suicide bombings that killed 34 people and injured hundreds in the Belgian capital.
Bridgette Sullivan-Taylor, whose CV includes reviewing the UK's national security and Civil Contingencies Act for then-Prime Minister Tony Blair, says crowded areas, landmarks, major cities, airports and stations should all be approached with caution, even in New Zealand.
"People here and travelling overseas need to be more vigilant, manage their own security and have contingency plans. Don't depend on the authorities," Sullivan-Taylor told the Herald on Sunday.
"The pattern of these attacks is always the same: soft targets, crowded places and rush hours, where large numbers are moving through stations and airports and it causes the most chaos. People travelling in similar places anywhere in the world need to always be vigilant."