best travel insurance new zealand

Top Travel Insurances for New Zealand You Should Know in 2024

Byron Mühlberg, writer at Monito.com

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

New Zealand is known for its breathtaking landscapes, including glaciers, fjords, and the Southern Alps, as well as its unique Maori history. Visitors also come to experience the adventure activities, such as hiking, skiing, and rafting, and to see the unique wildlife like the Kiwi bird. Although travelling to New Zealand can be an accessible holiday destination for many people, out-the-pocket healthcare costs in the country tend to be expensive, so it's a very good idea to arrive there with travel insurance under your belt.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to New Zealand and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

New Zealand Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for New Zealand:

Best Travel Insurances for New Zealand

  • 01. Should I get travel insurance for New Zealand? scroll down
  • 02. Best medical coverage: VisitorsCoverage scroll down
  • 03. Best trip insurance: Insured Nomads scroll down
  • 04. Best mix for youth and digitial nomads: SafetyWing scroll down
  • 05. FAQ about travel insurance to New Zealand scroll down

Heading to New Zealand soon? Don't forget to check the following list before you travel:

  • 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
  • 🛂 Need a visa? Let iVisa take care of it for you.
  • ✈ Looking for flights? Compare on Skyscanner !
  • 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
  • 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for New Zealand?

No, there's currently no legal requirement to take out travel insurance for travel to or through New Zealand.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to New Zealand or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for New Zealand:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to New Zealand. It lets you choose between various plans tailored to meet the specific needs of your trip to New Zealand, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

Get a quote 🡪

  • Coverage 9.0
  • Quality of Service 9.0
  • Pricing 7.6
  • Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for New Zealand:

  • Policy names: Varies
  • Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
  • Trip coverage: Excellent - but only available for US residents.
  • Customer support: FAQ, live chat and phone support
  • Pricing range: USD 25 to USD 150 /traveller /month
  • Insurance underwriter: Lloyd's, Petersen, and others
  • Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

Get a quote 🡪

  • Coverage 7.8
  • Quality of Service 8.5
  • Pricing 7.4
  • Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

  • Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
  • Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
  • Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
  • Customer support: FAQ, live chat, phone support
  • Pricing range: USD 80 to USD 420 /traveller /month
  • Insurance underwriter: David Shield Insurance Company Ltd.
  • Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

Get a quote 🡪

  • Coverage 7.0
  • Quality of Service 8.0
  • Pricing 6.3
  • Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

  • Policy names: Nomad Insurance, Remote Health
  • Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
  • Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
  • Pricing range: USD 45 to USD 160 /traveller /month
  • Insurance underwriter: Tokyo Marine HCC
  • Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to New Zealand? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to New Zealand

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for New Zealand. However, we strongly encourage you to do so anyway, because the cost of healthcare in New Zealand can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

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Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

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Need some help? Use the search box below to find answers to all those tricky questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!

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Travel Insurance  Frequently Asked Questions

Does travel insurance cover coronavirus(covid-19).

It depends! Unfortunately, the answer isn't a straightforward one. There are some situations where cover is available, and others where it is an exclusion. It largely depends on which insurer you bought your policy with ; when you bought it; where you're travelling to; when you're travelling; and, the reason for your claim. One thing that is for certain - you're unlikely to be covered for claims relating to the coronavirus for future travel if you haven't yet purchased a travel insurance policy as this is a known event.

Which is the best travel insurance in New Zealand?

The best travel insurance for you depends entirely on your planned trip and your circumstances. If you're a backpacker on a tight budget, you might want a no-frills medical-only policy. Whereas, if you're heading on a once in a lifetime cruise, have outlaid a lot of money in upfront deposits or if you have health conditions, a comprehensive policy might be best for you. While there's no single best travel insurance that's right for everyone, finding a policy that works for you is easy when you use our quote comparison to start comparing prices and features. With Compare Travel Insurance, you can also read up on travel insurance reviews from customers to learn about their customer service and importantly, claims experience.

Is it too late to buy cover?

It's better late than never. We recommend buying a policy as soon as you've booked and started paying deposits for flights, accommodation and tours, but you can buy travel insurance at any point. Even if you forgot and are already overseas . Exclusions may apply though, so be sure to check the PDS and eligibility criteria before you buy.

Can I get cover for my medical conditions?

Cover is available for most medical conditions. Whether or not you need to declare your conditions and whether an additional charge will apply depends on the condition, its stability, current treatment, the recency of the diagnosis and your age. Minor conditions such as allergies, cataracts, and certain diabetes are often covered free of charge. However other medical conditions such as arthritis, any kind of cancer, heart conditions and hip & knee replacements require medical screenings and additional charges are likelt to apply. Today, most insurers use online medical screening software which makes it easy to declare your conditions and get covered in minutes. Although finding cover for terminal illnesses in New Zealand is difficult. Learn more about covering your conditions with our guide on declaring your medical conditions .

Can I purchase travel insurance at the airport?

Yes, you can. Generally speaking, you can purchase travel insurance up to a year before your trip, right up to boarding at the airport. With comprehensive travel insurance, you are covered for cancellation benefits from the moment you buy your policy, so we recommend buying it as soon as you start paying for flights, tours and accommodation.

Can I get travel insurance if I'm already overseas?

You can buy cover if you are already overseas, although each travel insurer has different rules on age limits and waiting periods. Check out our already overseas travel insurance guide to learn more.

Does travel insurance cover pregnancy?

You can buy travel insurance to cover you when you're pregnant, but different brands will have different rules around how many weeks gestation they will provide cover up until. Terms may also vary on whether you've had complications, have a multiple pregnancy, conceived via IVF and whether you're looking for cover in case of emergency birth. Check out the handy table in our pregnancy guide for more information.

Do I need cover in New Zealand?

Unexpected events can happen anywhere. It is just as important to have domestic cover when travelling around New Zealand as it is when travelling overseas. If you're a New Zealand resident, a domestic policy covers you for cancellations, luggage cover and often rental vehicle excess. Medical coverage is not included, but you'll be eligible for publicly funded health care services. For non-residents visiting New Zealand, discover International visitors to New Zealand are currently not required to have travel insurance by law, but it is highly recommended to protect you from eye-watering medical bills and more.

Which is the cheapest policy?

The cost of travel insurance depends on a range of factors including your destination, duration of travel, age of travellers, planned activities, whether or not you have any medical conditions and the type of cover you choose (medical only, mid-range or comprehensive). The cheapest travel insurance is generally to less risky parts of the world - places with cheaper healthcare and less risk of injury, illness or theft - and policies which offer less coverage - so ones without benefits for adventure activities or pre-existing conditions. To get cheap travel insurance from New Zealand for your upcoming trip, create a quote and compare prices, but remember that the cheapest isn't always the best. You should consider your trip and what you require cover for.

Why should I buy travel insurance direct online?

Comparing prices and features online makes it easier to find the policy that's right for you and your circumstances. With comparetravelinsurance.co.nz , the price you see is the same price direct from the insurer. Sometimes you're not after the best policy but rather the best bang for your buck and comparing prices and features online can save you time, worry and loads of money.

Trending Tips And Guides

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What activities are covered?

Are you a self-confessed adrenaline junkie? If you’re planning on doing some risky activities on your trip make sure you know if they’re covered, as not all of them are!

pre-existing-medical-conditions

Pre-existing medical conditions

Having pre-existing medical conditions doesn't mean you can't get cover or that it has to be expensive. It simply means that you need to dig a little deeper when doing your research.

coronavirus covid-19 travel insurance

coronavirus and travel insurance

The rapid spread of covid-19 around the globe has thrown the international travel industry into chaos.  Find out what's covered if you're travelling during the coronavirus outbreak.

Why Buy Travel Insurance?

We’re not silly, we know that plenty of New Zealanders go on holiday and have an amazing time exploring new and exciting places without buying travel insurance. But taking a gamble on your much needed break can be risky. Here’s why!

Exxy Medical Costs

If you buy a policy for just one reason this is it! Falling ill or being injured while travelling overseas can be extremely costly. Hospital costs in the USA can reach up to $10,000 per day, while emergency transport home for treatment can easily exceed $100,000! Ouch!

Disasters Can Strike

The excitement of getting on that plane has you knotted up like a pretzel. Picture your dismay if you had to cancel last minute. Worse still, imagine you’re mid-martini when bad news breaks. Should you need to return home, you’ll be covered for unforeseen events like injury or illness of a close relative.

Your stuff is important

Loss, theft or damage to your prized possessions can be a common, yet gut-wrenching experience. If your personal belongings go AWOL while you’re away the right policy will pay to replace or repair them. Win!

For your peace of mind

Travel insurance will take a load off so you can get some R&R. A comprehensive policy will cover you for an array of sticky situations while you're travelling within New Zealand, or overseas.

Because You Have To

Still not convinced? We hate to be the fun police, but some countries simply won’t let you in without cover! For example, it is mandatory to take out travel insurance when travelling to Thailand or Cuba.

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Or perhaps you want to have your say? Whether you love or loathe your travel insurer rate and review them today to help other savvy shoppers with their travel insurance.

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Our comparison is a free service that makes it easy for users to compare multiple quotes, saving both time and money. Our comparison ranks quotes according to price and is limited to those insurers that have agreed to participate on the site. CoverDirect NZ Limited does not hold a financial services licence. The comparison does not take your personal circumstances into account; as such, all information provided should be considered general and should not be considered as advice or a recommendation. Whilst we take all reasonable care when preparing this information, we do not warrant its accuracy. Pricing information is supplied by the insurance providers and ALL policy details should be verified with the before you purchase. This site links users to the website of the insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase. We do not issue insurance. Users purchase directly from the travel insurance provider.

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Canstar

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Outstanding Value Travel Insurance Awards

Click profile to compare 5-Star Outstanding Value Travel Insurance:

International travel, trans-tasman travel, south pacific cruise, seniors travel, 5-star international travel insurance, 5-star trans-tasman travel insurance, 5-star south pacific cruise travel insurance, 5-star seniors travel insurance.

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Canstar’s full travel insurance Star Ratings break down the best insurance providers and products for the following global holiday destinations, plus all destinations for senior travellers:

  • Africa & Middle East
  • Domestic Cruise
  • Pacific Cruise
  • Seniors – all destinations

Important information

  • The Star Ratings in this table were awarded November 2023. The current features, rates and fees may be different to what was rated. The Star Rating shown is only one factor to take into account when considering a product. See our Ratings Methodology .
  • The initial table display is sorted by Star Rating and then alphabetically by company.
  • Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Canstar is not providing a recommendation for your individual circumstances.  See our Detailed Disclosure .
  • Data in the table is updated from time to time to reflect product changes notified to us by product issuers. Check current product details and investment options with the product issuer. Consider the Product Disclosure Statement before making a purchase decision.
  • The table above may not include all providers in the market and may not compare all features relevant to you. Canstar is not providing a recommendation for your individual circumstances.
  • Canstar may earn a fee for referrals from its website tables, and from sponsorship (advertising) of certain products. Payment of sponsorship fees does not influence the star rating that Canstar awards to a sponsored product. Fees payable by product providers for referrals and sponsorship may vary between providers, website position, and revenue model. Sponsorship fees may be higher than referral fees. Sponsored products are clearly disclosed as such on website pages. They may appear in a number of areas of the website such as in comparison tables, on hub pages and in articles. Sponsored products may be displayed in a fixed position in a table, regardless of the product’s rating, price or other attributes. The table position of a sponsored product does not indicate any ranking, rating or endorsement by Canstar. See  How We Get Paid  for further information.

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Headed off overseas and looking for the best in money cards? Here’s a rundown of some of the most popular cards in New Zealand:

The display order does not reflect any ranking or rating by Canstar.

This information is not an endorsement by Canstar of travel money cards or any specific provider. Information correct as of 20/09/23. For full pricing details see individual providers’ websites.

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What is travel insurance and why do you need it when you travel?

What is travel insurance?

Travel insurance is financial cover for emergencies, accidents or loss that might occur to you or your belongings while you are travelling either domestically or internationally.

Why do you need travel insurance?

The New Zealand government website SafeTravel recommends travel insurance for anyone taking a trip away from home, especially overseas.

If you don’t have travel insurance and you lose your luggage, have an accident, medical emergency, or legal incident, you could face huge bills.

Cancelled flights and hotel accommodation can leave you out of pocket by thousands of dollars, but medical expenses can be even worse. A health emergency overseas can end up costing hundreds of thousands of dollars.

However, if you have travel insurance, you can travel confidently knowing you can get financial help in an emergency.

What else should you do before you travel?

In addition to organising travel insurance, before you leave:

  • If you are going overseas, visit the SafeTravel website’s Travel Advisories page to ascertain the current risks of travelling to your chosen destination. If a country is flagged with a “Do Not Travel” advisory, be aware that you may not be able to obtain insurance for the trip.
  • Regardless of where you are going, register your plans with SafeTravel. Your details will be stored securely and only used to reach you in an emergency.
  • Ensure you have all the relevant travel documentation to take with you on your trip, and that a trusted friend or relation in NZ has a copy, too.
  • Record the contact details of the New Zealand Embassy in your country of destination – just in case you need it.

Types of travel insurance and what they cover

There are two types of travel insurance cover policies.

1. Domestic travel insurance

Domestic travel insurance policies usually cover you for events such as:

  • Lost or stolen luggage or other items
  • Cancelling your trip unexpectedly due to illness, accident, holiday leave being revoked, or a natural disaster at home or at your intended destination
  • Rental vehicle excess you have to pay if you have an accident driving a hire car
  • Legal liability: the vast majority of policies researched include coverage for legal liability. Don’t take this as an excuse to break the law, though – you may end up invalidating your policy!

Domestic travel insurance usually doesn’t cover you for:

  • Medical cover. However, this is not a big problem because, as long as you’re in New Zealand, you can still access publicly funded health services or your private health insurance , if you have it
  • Certain “hazardous pursuits”. If you’re doing dangerous activities on your holiday, such as skiing, scuba diving, bungee jumping or rock climbing, you need to disclose it on your application. However, even if you disclose it, you still might not be covered for an accident that happens because of that activity, as it may be excluded from the policy. Ensure you read your policy terms and conditions carefully

2. International travel insurance

International travel insurance policies usually cover you for events such as:

  • Medical or dental emergency. Typical emergency medical cover will include hospital admission, emergency care and medical evacuation to another country’s hospital. If your medical situation is not an emergency, it is recommend you contact your insurer before you receive treatment, to check if it’s covered by your policy
  • Repatriation if you fall sick overseas and need to be evacuated back to NZ for treatment. Or if tragedy strikes, repatriation covers the cost of flying your body and belongings back home to NZ. Some travel insurance policies also include a separate sum for funeral expenses
  • Lost or stolen luggage, passport or other items. Replacing luggage and travel documents is the most common claim for travel insurance
  • Legal liability if you break a local law and need a lawyer and/or interpreter. Ignorance of local law is no excuse in most countries, so make sure you check SafeTravel before you depart. For example, in some Muslim countries it is an offence to wear a bikini on a public beach. If you break a law on purpose, your travel insurance policy may not cover your legal fees

International travel insurance usually doesn’t cover you for:

  • High-risk countries. Check the government’s SafeTravel website for the travel advisory status of your destination. Countries flagged with a “Do Not Travel” advisory may not be covered under your policy
  • Risky behavior. Any injury or loss caused by you behaving recklessly while you were under the influence of alcohol or drugs can be excluded from cover. This doesn’t apply to medication prescribed to you by a doctor and taken as prescribed
  • Pre-existing medical conditions. If you have experienced symptoms of a condition before travelling, even if the condition wasn’t diagnosed, medical expenses for it will generally not be covered. Read your policy’s terms and conditions carefully
  • High-value items. Many policies have a dollar limit that you can claim for each item, which may not be as much as it costs to replace the item
  • Notification period. Your policy may specify that you need to notify your insurer of an accident or event within a specified timeframe, such as 24 hours. It’s important to be aware of that notification period and to call your insurer as soon as you can, in the event of a potential claim
  • Loss of items left unattended. Keep an eye on your belongings at all times. You might not be covered if you leave your wallet and keys wrapped in a towel on the beach, or hidden in a shared room, or even in your checked-in luggage
  • Hazardous pursuits. Dangerous activities such as scuba diving, bungee jumping, rock climbing, off-piste skiing and hang-gliding are usually excluded, but they can often be added to your policy for an extra fee. Also be aware that riding a moped or motorcycle overseas might also not be covered, even if you are legally entitled to ride one in NZ

NB: No travel insurance policy will cover you for every single thing that might go wrong while you’re away, so it’s important to read your policy’s terms and conditions carefully to discover the full extent of your cover.

Travel insurance glossary of terms

  • Accident : An unexpected, unforeseeable, or unusual event that was unintended and caused loss or harm while you are on a trip covered by your policy.
  • Accommodation : Any type of dwelling or lodging that you pay a fee to stay in overnight.
  • Additional expenses : Additional expenses for accommodation and transportation that occur because of events such as illness, natural disasters, loss of travel documents, and transport union strikes.
  • Beneficiary : The person who would receive compensation from your insurance policy if you were to pass away during your travels.
  • Benefits: What your insurance provider gives you according to the terms of your policy. Benefits can apply if you make a claim or they can apply if a certain event happens, e.g. during an emergency.
  • Cancellation or amendment costs : The cost of cancelling, changing, or rearranging your journey because of unforeseen circumstances outside your control such as illness, accidents and extreme weather events.
  • Claim: A request for your insurance provider to pay certain expenses back to you in accordance with your policy.
  • Cover or coverage : The extent of protection given to you by your policy. If you are covered for an event, it means that you can claim back from your insurance provider a specified amount of expenses you incurred during that event.
  • Current market value : The amount of money you could get for an item if you sold it in the current local market. This amount is based on the original cost, the current condition and age of the item, and what it could be sold for in its present state.
  • Damage: Harm or injury to a person or property, resulting in the property losing value or not being able to be used properly.
  • Disability : A physical or mental condition that restricts a person’s movements, senses or activities. A disadvantage or handicap, especially one imposed or recognised by the law.
  • Emergency medical care : Medical care that is needed in an unexpected emergency. This does not include any type of regular medical care or foreseeable medical needs.
  • Endorsement: Any special condition listed on your insurance policy as an extra reason for you to buy the policy.
  • Excess: The excess is an amount that you pay instead of the insurer, e.g. “the first” $250 or $500 of a claim. Insurers usually have either a policy with different excess options that you choose between, or separate policies that each have a different excess amount. You can pay a lower premium if you have a higher excess, but you need to be sure that you could afford to pay the excess unexpectedly if you had to make a claim.
  • Exclusions : Anything that is not covered by your policy. Common exclusions include travel to high-risk countries, dangerous activities such as bungee jumping, risky behaviour, such as taking alcohol or drugs, pre-existing medical conditions, and loss of items left unattended.
  • Home: Your usual place of residence in New Zealand.
  • Incidental:  Costs associated with an unexpected covered event, which are not directly related to the event.
  • Inclusions: Any event, item or expense that is covered by your policy.
  • Injury: Anything that physically harms you and occurs by accidental or violent means, which is covered by your policy.
  • Journey: One of the terms insurers use to talk about the period you’re covered for, from the time you leave home until the time you return to your home. Also known as your trip, voyage, or travels.
  • Limit/benefit limit: Policies have a limit on the amount of benefits you can claim per year or per journey.
  • Luggage and personal effects: Personal items that you own or carry with you on a trip that is covered. This includes but is not limited to: suitcase or backpack, clothing, jewellery, computer or laptop, your phone and other portable electrical devices or equipment.
  • Medically necessary: Medical treatment that is needed to preserve your health, is suitable to treat your symptoms, and can be safely provided in your current location. This does not include treatment or procedures that are performed in your current location because it is merely convenient.
  • Natural disaster: An event caused by nature and not by any human activity, including earthquakes, storms, bushfires and floods.
  • Overseas medical expenses: Expenses incurred overseas for ambulance transport, hospital admission, surgical nursing, and emergency dental treatment.
  • Period of cover: The time your travel is covered by your policy.
  • Personal liability cover: Cover for costs incurred for which you are legally liable. You are legally liable if your negligence causes loss or damage to someone else’s property. Personal liability also covers you for injury to a person who is not a member of your family or travelling party. Personal liability cover does not cover damage you caused deliberately or that breaks the law; damage caused by your business or your employee; your ownership or use of a vehicle, aircraft or watercraft; or you passing on an illness to someone else.
  • Policy:  The travel insurance contract you have taken out with an insurance provider.
  • Pre-existing condition: A medical condition that existed in any form before you signed up for the insurance policy, whether or not you had your symptoms examined by a health practitioner. Your policy may usually list a time limit for the condition to be pre-existing, e.g. you have seen a medical practitioner in the past 90 days before you started your journey, or you have been prescribed a medication within the past 60 days.
  • Premium: The amount you pay your insurance provider for your travel insurance cover. Your premium must be paid on time for your travel to be covered.
  • Reasonable: When associated with an expense or cost, “reasonable” refers to what is usual, needed, and matches the standards of your previously scheduled travel.
  • Refund: Cash or company credit that can be given to you as reimbursement for your expenses, according to the terms of your policy.
  • Rental car insurance excess : The excess charged if your hire car is damaged or stolen.
  • Resumption of journey benefit : The benefit you receive if you claim the expense of resuming your travels. You can make a claim if you had to return to New Zealand suddenly due to a serious injury, illness, or the death of one of your relatives or business partners in New Zealand.
  • Sudden illness or serious injury : Illness or injury that occurs during your period of cover and requires immediate treatment by a health practitioner.
  • Travel delay : Scheduled transport that is delayed by over six hours. Scheduled transport can include plane flights, trains, trams, buses, ferries or cruises.
  • Unforeseen: Any circumstance that is out of your control. This can include illness, accident, cancelled flights, or natural disasters.

Which travel insurance providers are assessed by Canstar's ratings?

Products from the following travel insurance providers were rated in Canstar’s 2023 Travel Insurance Star Ratings and Awards:

  • 1Cover Direct Insurance
  • AA Insurance
  • Air New Zealand
  • American Express
  • Chubb Insurance
  • Cover-More Travel Insurance
  • House of Travel
  • Southern Cross Travel Insurance
  • World Nomads

Recent Award Winners

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New Zealand Working Holiday & Student Insurance: FULL Guide 🩹 [2024]

Article Single Pages

NZ Pocket Guide is 10 years old. Thank you for trusting us with your trip for over a decade!

How to pick the best insurance for a working holiday or studying new zealand.

The nitty-gritty of planning a trip to New Zealand starts here. Choosing the best medical, health and travel insurance for New Zealand can quickly become a nightmare and result in a decision made too quickly. You do not want to end up with a cover way too expensive or lacking the very basics that you will need for a working holiday or as an international student in New Zealand.

We have worked on a series of articles for you to understand the travel insurance world and make the best decision for you to get the right cover for your trip, such as the   14 Questions to Ask Before Buying Medical Travel Insurance . The article below, however, focuses on the basics of choosing a cover and what to look for when comparing your different options for working holiday and international student insurance for New Zealand.

What’s the Best Working Holiday and International Student Insurance for New Zealand?

Want to just skip to the good stuff? Scroll down to the “ What’s the Best Insurance for New Zealand? ” section toward the end of this insurance guide to get this question answered.

best travel insurance new zealand

Why Do You Need Insurance for a Working Holiday or Studying in New Zealand?

First up, if you are on a Working Holiday Visa or a Student Visa in New Zealand, it is mandatory for you to have comprehensive health insurance for the length of your stay. This is one of the conditions of your visa, according to Immigration New Zealand . Make sure that you have your insurance policy certificate with you when entering the country and your proof of cover. You will also need proof of insurance when enrolling as an international student at a New Zealand university.

If you are only visiting New Zealand on a Visitor Visa , it is not mandatory to have health and travel insurance. If you’re still interested in picking something out, check out our guide, How to Choose Travel Insurance for New Zealand .

What to Look for When Choosing Working Holiday or International Student Insurance for New Zealand…

Pexels

The Cover Length of New Zealand Travel Health and Travel Insurance

The first thing you need to consider when choosing working holiday insurance or international student insurance for New Zealand is how long the cover lasts, especially considering you could be in New Zealand for a few months to even a few years!

How Long to Get Insurance for a Working Holiday?

There are multiple schools of thought on the choice of cover length. If you have a Working Holiday Visa and have to get a cover for the length of your stay most people choose to go for a six months cover and renew it halfway through the year. This gives them more flexibility in case their trip runs short. On the other hand, this costs much more as two six-month plans are, on average, 30-40% more expensive than a 12-month plan, so bear that in mind.

How Long to Get Insurance for an International Student?

The length of your insurance cover for international students is usually a long more clear-cut. You can just select the length of your policy depending on when the term begins and ends (with a couple of weeks on either end to allow for settling in New Zealand, for example, see below). Or if you’re staying for the whole program, whether it’s a year, three years or five years, you can get cover for the first six months and see if you want to renew later. On the other hand, this costs much more as two six-month plans are, on average, 30-40% more expensive than a 12-month plan, so bear that in mind.

When to Start Your Cover

Then, there is also the matter of your cover start date. This determines the very day when your cover starts applying. If your cover includes transit to your destination then you will want the cover to start on the day you are planning to leave your home country. If it does not include transit, then get it to start on the day you are landing in New Zealand. The same rule applies to the cover end date.

Pexels

What’s Included in the Travel Insurance?

This is the very point where things become complicated. Every single insurance company and every insurance plan will have widely different offers. It is important that you carefully check out all the inclusions in an insurance plan and consider what is useful and what is not. Many insurance companies like to throw huge numbers at you like, “Evacuation cover up to 1 million dollars”, which is pure bogus. A plane ticket out of New Zealand even on a medical seat costs nowhere near that much. Don’t get scammed paying for things that you don’t need.

What to Look for in Your New Zealand Working Holiday or International Student Insurance are:

  • Medical care
  • Medical evacuation
  • Baggage/personal items (property)
  • Loss of deposits (including tuition fees for students)
  • Disrupted travel and transit .

Those are the items that you have the most chance of needing when travelling to, in and from New Zealand.

Bonus Tip : Covering possessions like your cell phone and laptop as an add-on to your travel insurance tends to be much cheaper than covering these items with separate insurance. By the way, be sure to check  Will Your Phone Work in New Zealand? and  How to Choose the Best Laptop for Backpacking .

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What’s Excluded From Travel Insurance for New Zealand?

This category is even more important than the inclusions of a plan. It will tell you what items are not covered and what would make an item not covered.

Take Note of the Insurance Excess

Exclusions also indicate when the insurance usually kicks in, also known as your “excess”. For example, many insurance companies will only pay for a claim after the first NZ$1,000 has been paid or on top of New Zealand’s universal cover, the ACC (find out what ACC is in What is ACC and Employee Accident Cover? ). If you are considering an insurance company with a very high excess that you believe you wouldn’t be able to afford to pay should something go wrong, then it’s best to go with another company.

Sports Exclusions

Most insurance plans will not include adventure sports, such as skydiving, white water rafting or anything in between. However, it is important for you to know that almost every single operator in New Zealand has insurance of their own that will cover you while on a tour with them. So those items are not as important as it seems at first glance.

New Zealand Working Holiday & Student Insurance: FULL Guide 🩹 [2023]

What Can You Add to Your New Zealand Travel Insurance?

Virtually every insurance company will offer you to add additional cover from a few personal items, such as your laptop or camera, to specific situations like sailing. This is a great way to personalise your cover plan to your very needs, so it is always worth asking. Asking about these extra services also helps you test the customer service level of an insurance provider. We strongly suggest you get in contact with an insurer prior to subscribing to one of their plans, so to help you know if they will be helpful or not when you really need them.

It is also very important for you to know what you are looking for before shopping for insurance. This will shape your discussion with your insurer and make sure that you get what you want. Sometimes a simple basic plan with a small add-on specific to you is all you need. This simple tip can save you hundreds!

Not sure of what to ask? Check out these  14 Questions to Ask Before Buying Medical Travel Insurance .

New Zealand Working Holiday & Student Insurance: FULL Guide 🩹 [2023]

Where is the Insurance Company Based?

Where are the insurance company that you are comparing based? Having a health insurance company based in New Zealand is likely to be a lot more helpful in desperate situations than back in your home country. If an insurance company is based in New Zealand, you know they are more specialised in dealing with emergencies that may occur in New Zealand, as well as the customs when it comes to medical situations.

Then again, if you have been using an insurance company from your home country for a long time and they have provided excellent service in the past, then you may feel safer going with what you know. But, for most international students and working holidaymakers in New Zealand, dealing with insurance companies for a long-term trip is often a new experience, so picking a company based in New Zealand is a great place to start.

New Zealand Working Holiday & Student Insurance: FULL Guide 🩹 [2023]

What’s the Best Insurance for New Zealand?

Due to many of the reasons we have covered above and because we like to support local businesses, we recommend you check out Orbit Protect . They offer insurance plans specially designed for working holidaymakers and international students and are some of the most affordable on the market.

The Best Working Holiday Insurance for New Zealand

Working holiday insurance for New Zealand that we have used and can vouch for, Orbit Protect ‘s Working Holiday Insurance is a good go-to for making sure you’re covered for the whole time you’re in New Zealand, as well as for up to 31 days if you’re travelling in the South-West Pacific to places like Australia , Fiji and New Caledonia .

Their working holiday insurance covers medical care, medical evacuation, loss of deposits with optional baggage cover, as well as cover for working in the most common jobs found in New Zealand.

The Best International Student Insurance for New Zealand

International student insurance that’s much more affordable than many of the New Zealand universities’ recommended choices, Orbit Protect ‘s International Student Insurance is a good go-to for your time in New Zealand. Their international student insurance has two cover choices: a fully comprehensive insurance covering medical care, medical evacuation, loss of deposits (including tuition fees) and property or a cheaper insurance policy excluding property cover.

Orbit Protect also has insurance plans, specially designed for seasonal workers and visitors (just in case your parents come to visit), so go and check them out at orbitprotect.com .

More About Working Holiday and International Student Insurance for New Zealand

And if you need more information about insurance and staying healthy during your working holiday or studies in New Zealand, we’ve got a lot of great easy-to-read articles to help you shop around and find the best fit for your trip. Check out:

  • How to Choose Travel Insurance for New Zealand
  • How to Pay for Healthcare Services in New Zealand
  • Things to Know Before Seeing a Doctor in New Zealand

For more pre-travel tips for a trip to New Zealand, make sure to read our Health Tips for Travelling to New Zealand .

The information in this guide has been compiled from our extensive research, travel and experiences across New Zealand and the South Pacific, accumulated over more than a decade of numerous visits to each destination. Additional sources for this guide include the following:

  • MBIE Immigration and Workers Rights (Working rights in New Zealand - Updated [2024])
  • Immigration New Zealand (Visa and immigration advice - Updated [2024])
  • Stats NZ (Statistics and travel data - Updated [2024])
  • Council websites (Local travel advice region by region - Updated [2024])
  • New Zealand Customs Service (Customs and Biosecurity - Updated [2024])
  • Tourism Export Council New Zealand (Tourism trade association - Updated [2024])
  • TIA (Independent tourism association - Updated [2024])
  • Tourism New Zealand (General travel advice - Updated [2024])

Our editorial standards : At NZ Pocket Guide, we uphold strict editorial standards to ensure accurate and quality content.

best travel insurance new zealand

About The Author

This article has been reviewed and approved by Robin, who is the co-founder of NZ Pocket Guide. With more than 15 years of experience in the New Zealand tourism industry, Robin has co-founded three influential tourism businesses and five additional travel guides for South Pacific nations. He is an expert in New Zealand travel and has tested over 600 activities and 300+ accommodations across the country.

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new zealand travel insurance

Travel Insurance for a New Zealand Vacation (2024)

Planning a getaway to New Zealand? Click below to see how much it would cost to protect your trip with travel insurance.

in under 2 mintes

Jessica Bergin Photo

Jessica Bergin is a Barcelona-based Australian writer who has worked in the travel industry for half a decade. Her passion for adventure, travel, culture and lifestyle has helped her navigate a successful career in the writing industry, including for World Words.

Tori Addison Photo

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Whether you plan to ski the slopes in Queenstown or sample the wineries in Wellington, travel insurance for New Zealand can offer financial protection and peace of mind. From medical emergencies to flight delays, unforeseen circumstances can occur while traveling. If things don’t go to plan, travel insurance can help recoup your losses by reimbursing nonrefundable trip costs.

We at the MarketWatch Guides Team have analyzed the best travel insurance companies to help you review travel insurance advantages, costs and coverage options for a New Zealand vacation.

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Compare The Best NZ Travel Insurance Companies

Use the table below to compare the costs and coverages of our top recommended travel insurance companies that will cover a trip to New Zealand:

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for New Zealand?

New Zealand does not require visitors to have travel insurance to enter the country. But it is recommended if your health insurance does not extend to emergency treatment abroad.

Framed by forested mountains, volcanoes, glaciers and beaches, New Zealand is known for its natural wonder. But considering the country’s vast landscape and unpredictable weather, it can take hours to reach remote places in an emergency. Whether you’re hiking, mountain biking or snowboarding, travel insurance can reimburse the cost of medical care in case of injury.

New Zealand extends some health care coverage to temporary visitors with its Accident Compensation Corporation (ACC) Program . However, the program may not cover all medical costs. Purchasing travel insurance can further protect you from financial burdens by offering additional medical coverage.

The weather in New Zealand is notoriously volatile , with extremes at each end of the year. Due to its geographical position, New Zealand is prone to natural disasters like earthquakes and volcanic eruptions. Such events could cause trip cancellations or travel delays. Travel insurance can reimburse you for prepaid, nonrefundable expenses (like your flight or hotel) if you experience an interruption due to severe weather.

Cancel for Any Reason Coverage

Cancel for any reason (CFAR) coverage allows you flexibility to cancel your trip for reasons outside those predetermined by your travel insurance policy. However, since CFAR coverage is considered a policy add-on, it is more expensive than a standard policy.

This type of coverage is also subject to disclaimers, deductibles and restrictions. You must meet certain requirements to qualify for CFAR insurance, including:

  • You have to cancel your trip within a certain timeframe, like at least 48 hours before your departure date.
  • You only have a specific number of days after booking your trip to buy CFAR coverage. Most insurance providers have a limit of 10 to 21 days after booking.

Gear Theft Protection

You may want to bring cameras, sporting gear or other valuables if you’re planning to explore New Zealand’s diverse destinations. Whether you want to photograph the rich Maori culture or mountain bike through the forest, gear theft protection can help recoup the cost of lost or stolen goods.

Each travel insurance policy will include specific coverage limits and exclusions regarding stolen or damaged gear. Gear theft protection is worth considering if you wish to bring the following on your trip:

  • A laptop, tablet or smartphone
  • Professional camera and equipment
  • Sporting equipment (like a surfboard or kayak)

Note that your insurance may not cover the full value of your items, so review the policy wording and product disclosure statement carefully to determine your coverage. If the total of the items you plan to bring exceeds your benefit limit, consider leaving some items at home.

Medical Emergency Insurance and Emergency Medical Evacuation

Although the ACC offers some medical coverage to non-residents, the program does not always cover the full cost of treatment. If your health insurance does not extend coverage in other countries, you can safeguard yourself with travel insurance for medical emergencies .

Travel medical insurance covers emergency medical expenses in the event of an injury or illness. Most providers also cover evacuation to your home country if you can’t receive health care locally and repatriation if you die while traveling.

A standard travel insurance policy may include the following medical emergency and assistance coverage:

  • Hospital admission costs
  • Surgical operations and related fees
  • Ambulance costs
  • X-rays and lab tests
  • Emergency dental fees

When booking your trip insurance, be sure to declare any pre-existing medical conditions like asthma or high blood pressure. While some providers do not extend coverage for pre-existing conditions, others may offer a pre-existing condition exclusion waiver.

Travel medical insurance also may not extend to injuries sustained as a result of extreme sports, but some providers may offer add-on coverage. Read your policy’s full details for restrictions and exclusions.

Rental Car Protection

New Zealand boasts an extensive network of public transport, making it easy to travel around big cities like Auckland and Wellington. But you may prefer to rent a car to explore on your own schedule.

As a tourist, you can legally drive for up to 12 months in New Zealand as long as you have a current driver’s license. If your license isn’t in English, you’ll need to obtain an English translation. Otherwise, you can opt for an International Driver’s Permit (IDP) issued or written in English.

New Zealand requires rental car companies to include basic insurance for coverage against accidents. The level of protection varies by provider, but usually covers the following:

  • Collision damage waiver
  • Windshield protection
  • Roadside protection
  • Theft protection

The insurance will include an excess or deductible or the amount of money you pay before the insurance policy covers the costs. Your rental car provider may offer a daily fee in exchange for reducing or eliminating the excess.

For example, let’s say that your rental car agreement offers a standard policy with a $1,000 excess. If your rental vehicle is damaged and costs $3,000 to repair, you’ll only need to pay the $1,000. As long as you’ve met the terms and conditions in your contract, the rental company will cover the remaining $2,000.

While you can purchase travel insurance with rental car protection, it may not be necessary for a trip to New Zealand. Consider existing rental car coverage before adding more with a travel insurance policy.

Trip Cancellation Insurance

Whether it’s extreme weather or natural disasters, unexpected circumstances can impact your trip to New Zealand. Trip cancellation insurance can reimburse you for prepaid, nonrefundable costs like your flight, hotel or travel excursions if you have to cancel your trip due to the following reasons:

  • Death of a traveling companion or family member
  • Diagnosis of a serious medical condition or injury
  • Natural disasters or dangerous weather conditions
  • Domestic or international terrorism
  • Legal obligations like jury or military duty

How Much Does New Zealand Travel Insurance Cost?

The cost of travel insurance can vary depending on your coverage preferences, personal details and travel logistics. Some providers offer single-trip plans for a one-time visit or annual multi-trip coverage if you travel more often.

Cheap travel insurance options are available if you are on a budget. To receive a quote from a provider, you’ll be required to submit the following information:

  • Destination country
  • Your country of residence
  • Age and the number of travelers
  • Trip duration
  • Total trip price

To help you determine average costs, we requested quotes from five travel insurance providers. The following quotes are based on a 35-year-old traveler from South Carolina traveling to New Zealand for two weeks in December. The total trip cost is $2,800.

*Costs were collected from each company’s website in May 2023.

Each of the above insurance plans includes the following coverage:

  • Trip cancellation
  • Trip interruption (including travel delays)
  • Medical evacuation
  • Emergency medical care
  • COVID-19-related medical care and trip cancellation

How Do I Get Travel Insurance for New Zealand?

Before you buy travel insurance for your New Zealand trip, check to see if your current health insurance plan or credit card offers some level of coverage. If you have private health insurance, it may include coverage for international travel and medical emergencies. Or you might have flight, rental car or other form of travel insurance through your credit card.

We recommend requesting a free quote from at least three travel insurance companies. Be sure to compare various trip insurance options and consider factors like COVID-19 coverage, emergency assistance and trip cancellation. Make sure your chosen travel insurance covers what you need. Carefully review policy wording for exclusions and consider add-ons to cover additional expenses.

New Zealand Safety Tips

According to the Global Peace Index , New Zealand is ranked as the second-safest country in the world. But crime can still happen while traveling. We’ve included the below information and travel tips to help you safely navigate New Zealand.

Crime and Safety

New Zealand is considered a safe destination for travelers, but it is not crime-free. Be careful not to leave valuables in campervans or parked cars near trailheads or tourist spots. When in the big cities, avoid walking alone late at night or in unlit alleyways.

Day Trips, Tours and Excursions

With fjords, dormant volcanoes and hidden beaches, New Zealand boasts a diversity of day trips. But don’t overestimate your ability or underestimate the risks of exploring the great outdoors. Plan your adventures ahead of time, use a local guide or tourist service if necessary, and be sure to research the destination and weather.

Some tourists may also plan to visit both New Zealand and Australia on the same trip. If you purchase travel insurance, check to make sure your policy covers travel to multiple destinations.

As of January 2023, New Zealand has lifted all pandemic-related restrictions . International travelers are not required to provide a vaccination passport or negative PCR test to enter the country. You are not required to wear a mask on public transport but may still encounter mask advisories in medical facilities or other buildings.

You will be required to self-isolate for seven days if you contract the coronavirus while in New Zealand.

Is Travel Insurance for a New Zealand Vacation Worth It?

It’s ultimately up to you to decide if travel insurance is worth it for your New Zealand vacation. Standard travel insurance can offer coverage for unexpected trip cancellations, lost baggage, flight postponements and other travel inconveniences. Although New Zealand offers some medical coverage for foreigners, the country will not always cover the full cost of your care. Travel insurance can extend emergency medical coverage if you are hurt or get sick while abroad.

If you opt for a more comprehensive travel insurance plan, you can consider add-on options like CFAR coverage, rental car damage or sporting gear protection for added peace of mind.

Frequently Asked Questions About Travel Insurance for New Zealand

How can i claim flight compensation for a trip to new zealand.

Travel insurance offers protection against financial loss if your flight is canceled or delayed. Otherwise, flight compensation is subject to the conditions of each airline and reimbursement is not guaranteed.

Do I need travel insurance for New Zealand?

Travel insurance is not mandatory for U.S. citizens entering New Zealand, but it is highly recommended if your health insurance does not extend abroad. Travel insurance can also protect you from financial loss if your trip is unexpectedly canceled, you experience travel delays or are traveling with expensive gear.

What is the best travel insurance for a New Zealand vacation?

The best travel insurance plan depends on your preferences, coverage needs and budget. To determine the best policy for you, compare at least three options. Pay attention to the coverage limits, policy exclusions and overall cost. Make sure you select a policy with enough coverage to offset potential financial losses.

What documents do I need to travel to New Zealand?

U.S. citizens must provide a valid passport and travel document to visit New Zealand. Your passport must be valid for at least three months prior to your planned departure date. Tourists from the U.S. must also have a travel visa or an NZeTA (New Zealand Electronic Travel Authority) to enter New Zealand.

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best travel insurance new zealand

Compare domestic, worldwide travel insurance quotes in NZ

No matter where in the world you may be travelling, it goes without saying that travel insurance is a must. With so many unpredictable things that could occur during your travels, travel insurance is the best way to ensure both you and your belongings are protected if the worst were to happen.

Travel insurance in NZ provides cover for your trips both overseas and domestically, and covers things such as medical expenses, trip cancellation, lost luggage and more.

When it comes to finding cheap travel insurance in NZ, you’ve come to the right place! Here at glimp, we’re passionate about helping Kiwis find the best travel insurance plans for their travels. Whether you’re flying across the country, or to the other side of the world, we’ll help you save time and money on your travel insurance. Compare travel insurance in NZ now and you’ll be able to find the perfect policy in no time.

Travel insurance providers

When searching for the right cover for your travels, you’ll probably be wondering “who are the best travel insurance companies?’ Luckily, you don’t have to spend hours online searching through dozens of travel insurance companies trying to find the best ones; we have them all here at glimp!

We’ve gathered all of New Zealand’s leading travel insurance companies together, including Southern Cross travel insurance, AA travel insurance and AMI travel insurance, making it easy for you to find the right insurer for your travel needs.

How does our travel comparison work?

Here at glimp, we’re committed to helping you find the best travel insurance online to suit your needs! Using our travel insurance comparison tool will help you save time, energy and, most importantly, money! Cheap travel insurance NZ can be hard to come by, but with glimp it’ll be a piece of cake.

Quick and easy to use

It’s never been easier to compare travel insurance quotes in New Zealand - simply enter a few details about your upcoming trip and we’ll deliver the latest insurance policies from New Zealand’s leading travel insurance companies. We’ve already helped thousands of Kiwis have already save on their travel insurance - now it’s your turn!

Find your best deal, free of charge

When it comes to the best travel insurance, it’s all about giving you great value for your money. Our vetted travel insurance policies cover all sorts of unprecedented costs at different values so that you can find the best travel insurance policy that suits your needs. Not to mention, our tool is 100% free to use too!

Buy direct and save more

Buying travel insurance from travel agents and airlines can mean that you’re paying extra for any commission fees. When you compare travel insurance with glimp, we’ll give you the best options and take you directly to your chosen travel insurance provider. Avoid paying those extra commission fees and buy directly from your insurance provider when you compare travel insurance with glimp!

Start saving on your travel insurance premium

Travel insurance comparison in NZ has never been easier. Spare a few minutes and start comparing travel insurance policies now to start saving on your travel insurance premium for your next trip. We help people like you save on their travel insurance policy every day, now it’s your turn.

Why compare travel insurance with glimp?

We save you time & money.

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What does travel insurance cover?

Cancellation cover.

You never know when you might need to cancel a flight and when that happens, your chosen airline can charge you a hefty fee for doing so or will not return your deposit. Standard travel insurance policies often cover this cost so that you can cancel your flight right up to the day of the flight at no cost at all. This applies to flight delays too.

Luggage & belongings

With so many bags constantly being lugged around, there are bound to be a few bags here and there that end up in the wrong place and it’s often out of your control. If you have travel insurance in NZ, your insurer will cover the purchase of a few essentials, meaning you won’t have to bear the brunt of the loss of your GoPro, laptop, camera and whatever else you may have lost.

Medical treatment

When you compare travel insurance policies in NZ, you may notice that most policies offer medical and dental cover. This may be just something simple like drugs for a cold or allergy while you’re overseas, or it could be something a little more complicated like surgery. Some policies may even pay for someone to escort you back home if you’re feeling really unwell.

Car rental excess

If you’ve rented a car while you’re overseas and it gets stolen or damaged then your travel insurance policy may be able to help you out, by providing cover for the excess you’ll need to pay for when you make a claim.

Personal liability

In the event that you accidentally damage property or are liable for damage to a person, your travel insurance provider may provide cover to pay the costs including legal fees to defend your claim and legal costs if you’re wrongly arrested or detained. While we hope it would never come to this, it doesn’t hurt to have the assurance that you would be covered if you were liable for something. Even the cheapest travel insurance policies in NZ usually provides cover for this.

Travel Insurance FAQ

What does travel insurance usually cover.

Although it will depend on your chosen insurance provider and policy type, a typical travel insurance plan will have coverage for all of a travelers main concerns. Standard travel insurance will generally cover you for trip cancellations, travel delays, medical emergencies, lost luggage and personal liability.

Most travel insurance policies are designed to be comprehensive, to protect you from a variety of situations and events that may cause financial loss. However, there are optional extras that can be added onto your policy, such as dental, adventure activities and rental car cover.

Should I get travel insurance?

While travel and adventure is always encouraged, the reality is that even the most well planned trips can go amiss. Nobody wants to prepare for the worst, but it’s absolutely vital to do so - and that’s why you should get travel insurance. Investing in travel insurance cover allows you to safeguard your trip, providing you with peace of mind and letting you get on with your holiday.

When should you buy travel insurance?

It goes without saying, that the best time to buy travel insurance in NZ is before you embark on your travels. However, the time you get travel insurance before that matters too. Ideally, you should book travel insurance within 15 days of trip purchase so that you have enough time to cancel the insurance if need be, and you won’t have any external events affecting the premium.

How do I file a claim for travel insurance?

While this may differ between different travel insurance companies, to claim for travel insurance you generally need to fill out an online claims form which you can find on your travel insurer’s website. You’ll then need to send supporting documents to confirm that it’s you filing the claim, and your insurer will start working on it!

Is there travel insurance for seniors in New Zealand?

Travelling can be the highlight of anyone’s year no matter where you’re venturing and we believe that age is no barrier to this. That’s why we can show you affordable travel insurance in NZ for seniors from insurers such as Southern Cross Travel Insurance, 1Cover and more that will insure you on your travels even if you’re older than 85.

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best travel insurance new zealand

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Travel Insurance

Existing State customers get a 10% discount.*

Use Promo code: STATECUST

*Discount applies to existing State customers and to premiums for the standard policies net of Government levies and GST (if applicable). Discounts do not apply to premiums for cover additional to standard policies or to any minimum premium.

Important information: The  Policy Wording  includes specific information on how State Travel Insurance will respond to claims related to Covid-19.

A range of options for your domestic or overseas travel

best travel insurance new zealand

Overseas cover & annual multi-trip cover

Your back up when going across the ditch or further afield.

Our cover includes medical and dental expenses* loss or theft of luggage, delayed travel and more. You can also select cover for travel related expenses if you need to change or cancel your trip.

Travel a lot? Take out our annual multi-trip option and you’re covered for as many trips as you like, for 12 months.**

See https://safetravel.govt.nz/ for the latest government advice regarding overseas travel.

best travel insurance new zealand

Anywhere in NZ

Domestic cancellation.

Covers changes and cancellations outside of your control before you leave and extra expenses due to unforeseen circumstances while you're away. You choose the cover amount.

Domestic Plan

Comprehensive cover that also includes lost luggage, medical and dental expenses, and rental vehicle excess cover.

Inbound Cover Visiting NZ

If you are a non-resident visiting NZ our Inbound policy can cover medical and dental expenses, luggage and travel documents, rental vehicle insurance excess and personal liability.

best travel insurance new zealand

Travel Cover During Covid-19

Travelling Overseas? Check out our handy scenario-based FAQs explaining how we could cover you if Covid-19 plays havoc with your trip: State Travel Cover and Covid-19 FAQs

Know before you go – our Covid-19 Benefits Destination Guide explains how State Travel cover applies when travelling to different international destinations: Covid-19 Benefits Destination Guide

*Medical cover will not exceed 12 months from onset. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to the Inbound Plan.

**For 12 months, over 100km from home, including domestic travel, up to maximum number of days per journey as selected by you.

Get more from your travel insurance

24-hour assistance.

24/7 access to a team of experts with a global network of doctors, nurses, and logistical staff. Cover for emergency accommodation and transport expenses if a disaster like a volcano, tsunami, earthquake, or flood disrupts your journey.

Overseas medical cover

Includes hospital, medical, surgical, emergency dental and ambulance costs. Plus help to arrange treatment and medical evacuation.

Get 10% off when you buy online

*Discount applies to existing State customers and to premiums for standard policies net of Government levies (if applicable) and GST. Discounts do not apply to premiums for cover additional to standard policies or to any minimum premium.

Quick online claims

You can claim  online  while you are travelling.  Find out more

Earn Flybuys™ on every policy you have with State. Don’t forget to  register your Flybuys  number with us, as we’ll also give you chances to get bonus Flybuys throughout the year too. Sweet.

The policy type you choose changes what you are covered for.

Select cover option:

International

Single Trip or Annual Multi-Trip

Limit per adult unless stated otherwise

Up to $1,500 for emergency dental expenses

Up to $1,000 per month

This is only a summary of the benefits provided. Please refer to the Policy Wordings for details of the cover provided.

Limit per adult

Up to $2,500 for personal vehicle insurance excess

Up to $250 per month

Single Trip

Limit per person

(choose the amount of cover that suits, on a per person basis)#

Not included

If you or your travelling companion are diagnosed with Covid-19 by a qualified medical practitioner and are unable to travel, you can claim cancellation or amendment costs for your prepaid trip up to a benefit limit of $10,000 per policy on an International Plan or $5,000 per policy on a Domestic Plan or if applicable, up to the level of cover purchased for cancellation (whichever is lower). There is also no cover if symptoms or diagnosis occurred prior to buying your policy. See the Policy Wording .

*Medical and dental expenses cover will not exceed 12 months from onset of the medical condition. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to the Inbound plan.

^ Cover chosen applies per policy. See the Policy Wording .

• Item limits applies for anyone item, set or pair of items including attached or unattached accessories. You may increase these item limits if you wish. See the Policy Wording .

No cover for trip cancellation costs for trips commencing within 21 days of policy purchase date if you test positive to COVID-19 and cannot travel. If your COVID-19 related cancellation claim is approved, then the maximum we will pay per policy is $5,000 for international trips and $2,500 for Domestic trips. See the Policy Wording .

# You can choose $200, $400, $800, or $1,500.

~ The maximum liability collectively for Sections 14, 15, and 16 is $15,000 International Plan, and $10,000 Domestic Plan.

This is only a summary of the benefit provided. Please refer to the Policy Wording . For details of the cover provided. Please read the entire document carefully to understand what the relevant policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply, and this summary of benefits table may change at any time.

Our State Travel Insurance  contains benefits relating to the Covid-19 pandemic. While your Policy Wording  may respond, your claim remains subject to the terms and conditions, limitations and exclusions set out in the Policy Wording . Please ensure you familiarise yourself with these in the Policy Wording before taking out travel cover. For Covid-19 cover to apply, you must not travel to a destination on the "Do not travel" list issued by SafeTravel.govt.nz .

Domestic Policy FAQ's

Why buy state domestic cover.

Our Domestic and Domestic Cancellation plans are for New Zealand residents travelling within New Zealand.

More than one third of domestic travellers experience an unexpected circumstance that can leave them out of pocket.

It doesn’t matter if you are travelling to Auckland or Amsterdam, if your child becomes unwell and you need to cancel your trip, it’s good to know you’re covered.

Specific terms, conditions and exclusions apply to Covid-19. See our State Travel Policy Wording for full details.

Here are some examples of real-life stories

  • An airline lost a customer’s suitcase and the items were not recoverable Luggage Value: $2,500
  • A customer’s rental vehicle was written off after a third-party collision Rental Vehicle Insurance Excess: $4,000.

Here are some examples of types of claims

Medical claims*

  • Sprained limbs or broken arm, leg, wrist due to outdoor activities
  • Asthma, seizure, stroke, heart attack
  • Swimmer's ear/ear infection.

*Pre-existing medical conditions must be declared, and extra cover purchased under Domestic Plan prior to departure

Your cancellation costs prior to travel

  • Prepaid deposits on motorhome rentals, scenic train, or ferry tickets
  • Prepaid fares for rail trips, adventure holidays and cruises
  • Costs for cancellation due to redundancy, illness, injury, and medical operations.

Cancellation prior to departure will result in the loss of deposits paid and in other instances full cancellation fees often apply.

Delayed travel

  • Travel delays due to weather e.g. snowstorms and fog delaying connecting flights.

Luggage claims

  • Broken cameras, smartphones and electronic items
  • Lost spectacles, hearing aids and damaged dentures.

What Domestic options are available?

We offer 3 Domestic plan options to choose from and these can be purchased quickly and easily on our website.

Domestic plan (Single Trip Policy or Annual Multi-Trip Policy)

Our Domestic plan (Single Trip Policy and Annual Multi-Trip Policy) is our most comprehensive domestic plan.

The Domestic plan Annual Multi-Trip Policy is sometimes a more suitable option for those travellers who are planning to travel more than twice this year and for no longer than 30 days at a time within New Zealand.

Domestic Cancellation plan Single Trip Policy

Our Domestic Cancellation plan covers domestic travellers for cancellation cover only and you choose the cancellation cover limit to best meet your needs when you purchase your policy.

What activities are covered?

There are plenty of fun activities to do around New Zealand year-round, and we have a comprehensive list of activities which are covered under our Domestic plans (excludes Domestic Cancellation Plan).

Our plans automatically include:

  • Bungy Jumping
  • Horse Riding
  • Jet Boating
  • Paragliding
  • Parasailing
  • Snorkelling
  • White Water Rafting

Other activities may be covered as an add-on to your Domestic plan (excludes Domestic Cancellation plan). See our State Travel Policy for full details.

What cover is available for Skiing and Snowboarding?

Because being on the snow and participating in winter sports activities often increases the risk of injuries or incidents, you'll need to ensure you amend your Domestic plan (excludes Domestic Cancellation plan) to include snow activities like skiing and snowboarding by purchasing a winter cover (snow sports) upgrade. This can help protect you against unforeseen costs should you have a mishap on the slopes and need medical assistance. Sporting and ski equipment are not covered whilst in use and if you are a New Zealand citizen, ACC may cover some costs due to injury caused by an accident.

You will only be covered if you have purchased the Domestic Plan with the winter cover (snow sports) upgrade and:

  • You are skiing, snowboarding or snowmobiling on-piste, or cross-country skiing;
  • You are not participating in a Professional capacity; and
  • You are not racing.

Note: sporting and ski equipment are not covered whilst in use.

What if I travel frequently in NZ, do you have a multi-trip option?

Multi-trip travel insurance may save you time and money. If you are planning to travel more than twice this year and for no longer than 30 days at a time within New Zealand, consider our Domestic Plan Annual Multi-Trip Policy.

Can you explain the rental vehicle insurance excess?

This benefit applies to our Domestic Plan (excludes Domestic Cancellation Plan) and covers the rental vehicle excess if your rental vehicle is stolen, or damaged while you are driving. You will still need to take out rental vehicle insurance.

A $4,000 rental vehicle excess cover can save you money if you need to make a claim.

Note: that your rental agreement may still require you to take out rental vehicle insurance.

If you are driving your personal vehicle on your domestic holiday there is bonus cover of $2,500 for your comprehensive vehicle insurance excess.

What does the medical cover provide for?

Our Domestic Plan D *(excludes Domestic Cancellation Plan) can provide you with cover for unexpected medical and dental expenses up to $1,500. This is for treatment provided in New Zealand.

It only applies up to 12 months from when you suffered a disabling injury, sickness, or disease. Travel insurance protects you from unforeseen events. Routine medical or dental treatments, prenatal visits and continuation of treatments are not covered.

What existing medical conditions are covered?

We automatically cover a range of existing medical conditions (EMC) under the Domestic plan (excludes Domestic Cancellation Plan). Automatically covered conditions include - asthma, epilepsy, gastric reflux and more! Read the State Travel Policy Wording for a full list of the conditions we automatically cover. If your existing medical conditions are not all automatically covered, you may complete an online medical assessment to determine if cover is available. Other travel insurance benefits unrelated to your EMC still apply, even if cover cannot be provided for your specific condition/s.

*Medical cover will not exceed 12 months from onset. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to International or Inbound Plans.

Before you travel

Travel safety.

Find out more information about events that may affect you when you travel.

Travel tips

Our team of intrepid Kiwi travellers have come up with a list of handy travel tips to help make your holiday even better.

Limits, sub-limits, conditions, and exclusions apply. Standard excess may apply. State Travel insurance is administered by Cover-More NZ Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. For further information see Zurich New Zealand’s financial strength rating . Any advice is general advice only. Consider the State Travel Policy Brochure and wording therein before deciding to buy this product. IAG receives a commission for the issue of State branded travel policies arranged through Cover-More (NZ) Limited ("Cover-More"). IAG New Zealand Limited ("IAG"), of which State is a business division, is not the insurer. IAG does not guarantee Zurich New Zealand or Cover-More.

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  • Travel Insurance

Already with AMI? Take 10% off your travel insurance.*

*Use promo code AMICUST Discount applies to existing AMI customers and to premiums for the standard policies net of Government levies and GST (if applicable). Discounts do not apply to premiums for cover additional to standard policies or to any minimum premium.

Great options to suit your travel within New Zealand or overseas

best travel insurance new zealand

Overseas cover & annual multi-trip cover

Our overseas travel covers medical, dental and hospital treatment*, lost luggage, and personal liability, and can get you and your family home in certain emergencies.

Travel a lot? Take out our annual multi-trip option and you’re covered for as many trips as you like, for 12 months.**

Find out more

best travel insurance new zealand

Domestic Cover

If your plans while travelling in New Zealand change unexpectedly, we can cover the cost of cancelling or amending your flight, accommodation or rental car bookings and other expenses, up to $10,000.

Inbound Cover - Visiting NZ

Are you a non-resident visiting friends and family in NZ, or on a working holiday? Our Inbound plan can cover medical and dental expenses, luggage and travel documents, rental vehicle insurance excess, personal liability and more!

best travel insurance new zealand

Travel Cover During Covid-19

Planning an adventure? Check out our scenario-based FAQs explaining how we could cover you if Covid-19 plays havoc with your trip: AMI Travel Cover and Covid-19 FAQs

Find out before you go – our Covid-19 Benefits Destination Guide explains how AMI Travel cover applies when travelling to different international destinations: Covid-19 Benefits Destination Guide

Still unsure? Ask us a question

Compare our Travel Cover Plans

Every driver’s different, so our car policies come with different features.

Policy benefits

Medical and dental expenses

Additional expenses

Amendment or cancellation costs

Luggage and travel documents

Delayed luggage allowance

Rental vehicle insurance excess

Travel delay

Resumption of journey

Missed connections

Special events

Hospital incidentals

Loss of income

Accidental death

Legal expenses

Personal liability

Get a travel quote now

This is only a summary of benefits provided. Please refer to AMI Travel Policy Wording for full details of the cover provided. Please read the entire document carefully to understand what this policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply.

Specific terms, conditions and exclusions apply to Covid-19. See the policy wording for the most up to date information.

* Cover will not exceed 12 months from the onset of the illness or injury. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to our Inbound Plan. ^ Cover chosen applies per policy. See the policy wording . • Item limits apply for any one item, set or pair of items including attached or unattached accessories. You may increase these item limits if you wish. See the policy wording . # If you or your travelling companion are diagnosed with Covid-19 by a qualified medical practitioner and are unable to travel, you can claim cancellation or amendment costs for your prepaid trip up to a benefit limit of $10,000 per policy on an international Plan or $5,000 per policy on a Domestic Plan or if applicable, up to the level of cover purchased for cancellation (whichever is lower). There is also no cover if symptoms or diagnosis occurred prior to buying your policy. ~ The maximum liability collectively 14, 15, and 16 is $15,000 International Plan, and $10,000 on a Domestic Plan

This is only a summary of the benefit provided. Please refer to the policy wording . For details of the cover provided. Please read the entire document carefully to understand what the relevant policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply, and this summary of benefits table may change at any time.

Before you travel

best travel insurance new zealand

Travel safety

Find out more information about events that may affect you when you travel.

best travel insurance new zealand

Travel tips

Our team of intrepid Kiwi travellers has come up with a list of handy travel tips to help make your holiday even better.

AMI Travel insurance is underwritten by Zurich Australian Insurance Limited ("ZAIL") incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. IAG New Zealand Limited (“IAG”), of which AMI is a business division, is not the insurer. IAG receives a commission for the issue of AMI-branded travel policies arranged through Cover-More (NZ) Limited (“Cover-More”). Cover-More administers the policy and acts on behalf of Zurich New Zealand. IAG does not guarantee Zurich New Zealand or Cover-More.

AMI Travel Website Disclaimer 12072022

Limits, sub-limits, conditions, and exclusions apply. Standard excess may apply.

AMI Travel insurance is administered by Cover-More NZ Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640 , trading as Zurich New Zealand. For further information see Zurich New Zealand's financial strength rating .

Any advice is general advice only. Consider the AMI Travel Policy Brochure and wording therein before deciding to buy this product. IAG receives a commission for the issue of AMI branded travel policies arranged through Cover-More (NZ) Limited ("Cover-More").

IAG New Zealand Limited ("IAG"), of which AMI is a business division, is not the insurer. IAG does not guarantee Zurich New Zealand or Cover-More.

Quick and easy claims We're here for you if something disrupts your trip. Save time and submit your claim online.

Where are you going.

Worldwide including the Americas, the Caribbean and Antarctica: Antarctica (Cruising), Antigua and Barbuda, Argentina, Bahamas, Barbados, Belize, Bermuda, Bolivia, Brazil, Canada, Cayman Islands, Chile, Colombia, Costa Rica, Cuba, Dominica, Dominican Rep, Ecuador, El Salvador, Falkland Islands, French Guiana, Greenland, Grenada, Guadeloupe, Guatemala, Guyana, Haiti, Honduras, Jamaica, Martinique, Mexico, Netherlands Antilles, Nicaragua, Panama, Paraguay, Peru, Puerto Rico, St. Kitts and Nevis, St. Lucia, St. Vincent and Grenadines, Suriname, Trinidad and Tobago, United States of America, Uruguay, Venezuela, Virgin Islands.

Africa, Middle East, Indian Sub-Continent and Asia (other): Afghanistan, Algeria, Angola, Azores, Azerbaijan, Bahrain, Bangladesh, Benin, Bhutan, Botswana, Burkina Faso, Burundi, Cameroon, Canary Islands, Cape Verde, Chad, China, Central African Republic, Comoros, Congo (Dem. Rep), Djibouti, Egypt, Eritrea, Ethiopia, Equatorial Guinea, Gabon, Gambia, Ghana, Guinea, Guinea Bissau, India, Israel, Iran, Iraq, Ivory Coast, Jordan, Kazakhstan, Kenya, Korea (north), Korea (south), Kuwait, Kyrgyzstan, Lebanon, Lesotho, Liberia, Libya, Macau, Madagascar, Mauritius, Mauritania, Mozambique, Maldives, Malawi, Mali, Mongolia, Morocco, Namibia, Nepal, Nigeria, Niger, Oman, Pakistan, Qatar, Reunion, Rwanda, São Tomé and Príncipe, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, South Korea, South Sudan, Sri Lanka, Sudan, Swaziland, Syria, Taiwan, Tajikistan, Tanzania, Togo, Tunisia, Turkey, Turkmenistan, Uganda, United Arab Emirates, Uzbekistan, Yemen, Zambia, Zimbabwe.

Europe: Albania, Andorra, Armenia, Austria, Belarus, Belgium, Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Herzegovina, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Maderia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, Vatican City.

UK: Channel Islands, England, Northern Ireland, Scotland, United Kingdom, Wales.

South East Asia, Hong Kong, Japan: Brunei, Cambodia, East Timor, Federated States of Micronesia, Guam, Marshall Islands, Micronesia, Hong Kong, Indonesia, Japan, Kiribati, Laos, Malaysia, Myanmar (Burma), Nauru, Northern Marianas, Palau, Papua New Guinea, Philippines, Singapore, Thailand, Vietnam

South Pacific and Norfolk Island:  Cook Islands, Fiji, French Polynesia, New Caledonia, Niue, Norfolk Island, Samoa, Solomon Islands, Tokelau, Tonga, Tuvalu, Vanuatu, Western Samoa.

New Zealand Only:  New Zealand domestic travel

New Zealand Inbound Travellers :   New Zealand

Dates of Travel

Departure date (travel start date).

Single Trip - The date you depart New Zealand

Cover under the Amendment or Cancellation Costs benefit begins from the time you buy your policy. Cover under all other sections begins from the Travel Start Date you select.

Annual Multi-Trip - The date your policy will commence

Cover under the Amendment or Cancellation Costs benefit begins from the time you buy your policy. For further information, we recommend you read the definition of "Relevant Time" in the Policy Wording.

Return date - (Travel end date)

Single Trip - The date you return to your home

Annual Multi-Trip

Regardless of what you enter as the Return date, you will be quoted for a 12 month Annual Multi-Trip policy.

For further information we recommend that you read the definition of "Relevant Time" in the Policy Wording.

Traveller Details

Age of each traveller at issue date

Simply enter the age of each traveller including children.

Only use as many boxes as you have travellers.

Do all travellers live in New Zealand?

New Zealand resident travellers are able to purchase Travel Insurance policies from us to any area of travel and any country/destination.

Non-New Zealand resident travellers are only able to purchase a Travel Insurance policy if travelling inbound to New Zealand.

For Non-New Zealand resident travellers wanting to purchase Travel Insurance to travel to any other part of the world other than travel to New Zealand, please contact us as we may still be able to offer cover to you.

Cover-More NZ

Travel Insurance You Can Trust

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What country are you going to?

Select the Area of travel in which you will spend most time. NOTE: If you are spending more than 20% of your trip time in the Americas Area, it is compulsory to select a destination in the Americas Area for your policy.

If you are quoting a multi-trip policy please select “see region list” and select a destination in the appropriate region. For example United States for Worldwide cover or Spain for European cover.

When are you going?

Please select the departure and return dates for your trip.

For multi-trip policies the departure date will mark the start of your cover and it will automatically run for a year from that date.

Who is travelling?

Simply enter the age of each traveller including Adults and Accompanied Children*. Enter the age they are now.

Only use as many boxes as you have travellers.

*As per the Policy Wording: "Accompanied Children" means Your children or grandchildren plus one non-related child per adult policyholder who are identified on the Certificate of Insurance and travelling with You on the Journey, provided they are not in full-time employment and they are under the age of 21 years at the Relevant Time. If an Accompanied Child is in full time employment then they will need to purchase their own policy.

If you require a policy for more than 6 travellers, please contact Cover-More on (0800) 500 225 as we may still be able to offer cover to you.

Compare Our Travel Insurance Plans

At Cover-More, we make it easy for you to find the travel insurance policy that's best for your trip. We offer a variety of plans and options to vary your cover. You can compare our plans below and – if you find a suitable plan for you and your budget – you can buy a policy online today or give us a call at 0800 500 225 to speak to our friendly team.

Comprehensive

Options Plan

Options

Featured Benefits

travel delay

Essentials Plan

Essentials

Cover that suits you best

Compare our Cover-More’s Travel Insurance plans to find the policy that’s best for your trip and your budget.

No matter what Cover-More travel insurance plan you choose, every policyholder has access to our 24/7 emergency assistance team and cooling-off period ~ so you can relax and enjoy your holiday.

We look forward to providing you with great cover and superior service.

Find the right cover for you.

Travel Cover: How to Compare Travel Insurance

Compare

How to compare travel insurance policies

Choosing the right travel insurance is important, but comparing policies online can sometimes be confusing. To get through the lengthy policies, difficult wordings and long lists of what is and isn’t covered, we have a few tips to help make the process easier. Be sure to check the items below as you compare travel insurance plans.

Policy Excess

The word ‘excess’ is commonly thrown around when discussing travel insurance. Excess is the first amount of a claim that is not covered. The levels of excess can vary by insurer and by their policies offered, so make sure you compare the different levels.

To understand how excess works, imagine you lost your new iPad while travelling. Your travel insurance policy has a level of excess on personal electronics of $250, but the iPad is worth $450. Therefore, with this plan, you would only receive partial compensation for your lost iPad—the iPad’s current value of $450 less the excess of $250.

At Cover-More, we have a variety of international travel insurance plans that allow you to choose an excess level that works for your budget. Remember, the higher the excess chosen, the less you pay for your policy premium.  Get a quote  for our Cover-More Travel Insurance with your chosen level of excess now. 

What is not covered in your travel insurance policy is just as important as what is covered by your plan, so be sure to compare exclusions.

Our  Cover-More Travel Insurance policies provide cover for many incidents and unexpected events that other insurers may not cover. So, it is important to compare policies to understand the extent of what is covered. Start your Cover-More Travel Insurance quote  now.

Emergency Assistance

Emergency medical assistance is an essential service for any holiday. 

At Cover-More, we put our policyholders' health and safety first. We are committed to providing you with superior, round-the-clock service through World Travel Protection, our own medical and travel assistance division with over 30 years of experience.

All of our policyholders receive round-the-clock emergency medical assistance, no matter what plan you choose.  Get a quote today .

Travel Cancellation Policies

Unfortunately, sometimes a holiday must be cancelled for unforeseen reasons such as personal or family illness, in which case lost deposits, costs of prepaid flights and cancellation fees only add to the feeling of misfortune.

When comparing travel insurance plans, be sure to check the policy’s cancellation cover so you are not left with exorbitant expenses in case you must cancel your trip.  Get a quote for our  Cover-More travel insurance with cancellation coverage today.

Travel Insurance Company Ratings

Be sure to research and compare travel insurer ratings. A company’s ratings are often indicative of their financial strength, meaning their ability to pay insurance claims quickly and efficiently. Our financial strength is thanks to Zurich Australian Insurance Limited trading as Zurich New Zealand (Zurich New Zealand), incorporated in Australia. Part of the Zurich Insurance Group, Zurich New Zealand holds a financial strength rating of AA- (strong) by Standard and Poor’s (Australia) Pty Ltd. (This is correct at the time of writing: April 2022.)

Protect your trip with travel insurance that will service its obligations to you. Get your quote now.

Travel Insurance Benefits

Most importantly, compare travel insurance plans to get a better idea of the benefits offered in each plan. Many travel insurance companies do not provide the variety of levels of cover like we at Cover-More do. We have several different plans and options so you can find a policy that matches your needs and your budget.  Get a quote  for your trip and compare the benefits available on our plans:

  • Options Plan: our premium comprehensive plan
  • Essentials Plan: our budget-friendly option

All our travel insurance plans can be adjusted with excess cover, cancellation cover,  ski and winter sports cover , and  existing medical conditions cover .  Get a quote  today to see if one of our Cover-More plans is suitable for your trip.

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best travel insurance new zealand

What is the best travel insurance in New Zealand?

With so many options out there, finding the best travel insurance for your trip can be difficult. Hidden fees and exclusions, legal jargon and flashy marketing can leave you confused and frustrated when all you want is the best cover at the best price. The best travel insurance doesn’t always mean the cheapest insurance. Make sure that you choose a policy that has the right level of cover for you, so you can travel with peace of mind. For example, if you only travel overseas once a year, then a  single trip policy  might be your best option. However, if you’re a frequent flier who is likely to be overseas more than twice a year, an  annual multi-trip policy  might save you time and money. When comparing travel insurance, look at the different benefits and excess options, and decide what is most important to you. The best place to find this information is in the policy wording, where you’ll also find any exclusions.

While this might not be the most thrilling read, it’s important to understand how you’re covered, as it could mean the difference between your claim being paid or declined.

At Southern Cross Travel Insurance (SCTI), we’re committed to providing comprehensive cover, so you can better protect yourself and your family overseas.

What should the best travel insurance cover?

When you choose to cover yourself with an International Comprehensive policy from SCTI, you’ll be able to travel with confidence knowing we’re here to help if the unexpected happens overseas and you need to make a claim. Our policy includes cover for:

  • Unlimited medical and evacuation expenses
  • Cancellation fees and lost deposits – with the option to increase your cover depending on the cost of your journey
  • Damaged or lost baggage
  • Personal items if they are stolen or damaged
  • Rental vehicle excess
  • Emergency dental treatment
  • Funeral costs

Activities we cover

Whether it’s getting out of your comfort zone, ticking off items on your bucket list, or simply exploring a new city with the family, travel is all about adventure. That’s why our policies also include medical cover for adventure activities like:

  • Snorkelling
  • Mountain biking
  • Skateboarding
  • Horse riding
  • Water skiing
  • Windsurfing

Always read the policy wording when participating in any of these activities to check that you’re adhering to the requirements, and are aware of activities that are not covered.

best travel insurance new zealand

Why choose us

Below are just some of the reasons why travellers chose cover with SCTI for themselves and their families.

Award winning travel insurance

We’re proud to have won a number of awards in the travel insurance category, both locally and internationally. Winning these awards is true testament of our dedication to creating positive experiences for customers. You can find out all the awards and achievements we’re proud of here .

Trusted New Zealand provider

We’ve been providing travel insurance since 1982, and now have over 40 years' experience as a specialist travel insurer. During that time, we’ve won several awards, earned thousands of great customer reviews and helped countless people travel with confidence. We’re 100% NZ owned and are proud to be one of the country’s most trusted brands.

We provide service directly to you

At SCTI, we provide travel insurance direct to you. We’re the underwriter and the insurer, meaning you deal with us directly, whatever stage of your journey you’re on – instead of having to speak to a different company that you bought from, in the event that you have to claim. Our team of experts are all based in our head office in Auckland.

Worldwide emergency assistance

When you purchase a policy from SCTI, you also gain access to our dedicated worldwide emergency assistance team, who are available 24 hours a day, 7 days a week. Our emergency assistance team have many years of service excellence and include multilingual staff who can liaise directly with your overseas doctors and hospital staff. If you get sick overseas and need an air ambulance to take you home, we have access to medical professionals who can escort you back to New Zealand. We can also help with other aspects of travel, such as arranging flights home if you’ve missed a flight through no fault of your own. Find out more >>

best travel insurance new zealand

Unlimited medical and evacuation cover

Getting sick or injured on holiday can be a traveller’s nightmare. If you buy an International Comprehensive or Working Overseas policy, we offer unlimited medical and evacuation cover for unexpected events that arise while overseas on your journey because we want to ensure you get the help you need to be able to return home safe and sound. We can also provide a cash allowance to make your hospital stay more comfortable, cover extra travel and accommodation expenses, and pay for a support person or family member to be by your side if required.

Cruise cover

Cruises are a great way to unwind on the open seas and enjoy a hassle-free holiday with comfort at your fingertips.

If you’re heading on an overseas cruise, our International Comprehensive policy has an optional add-on for cruise cover, so you can sail away with confidence. If you’re staying close to home and planning a cruise around New Zealand, our Domestic policy may be the right choice as we also offer an add-on for cruise cover with our domestic policy.

Find the best travel insurance for you

Whether you’re travelling with family or friends, going on a two-month holiday or a two-day escape, going snorkelling or food tasting, or anything in between, make sure the cover that you buy meets your own specific needs.

What you need to know

This page includes some information about our products but, as with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant policy documents to ensure our travel insurance products are right for you.

You can find the relevant documents for all our policies here:  International Comprehensive , Annual Multi-trip ,  Domestic ,  Working Overseas ,  Visiting New Zealand ,  International Student  

The content of this article is general and provided for information purposes only. Southern Cross Travel Insurance (SCTI) doesn’t guarantee or warrant the accuracy, completeness or currency of any article.

This article may contain hyperlinks to other websites owned or operated by third parties, or references to third party products or services. SCTI isn’t responsible for, and makes no recommendation about, the content or accuracy of any third party website, or for the suitability or performance of any product or service. The inclusion of a link in this article doesn’t imply that SCTI endorses the website or third party product/service.

We're here to help

We know how important it is to be able to talk to someone when you need help, that’s why we are available via email, phone and live chat Monday to Friday, 8.30am - 7pm, and Saturday, 9am to 6pm, excluding public holidays. And if you find yourself in a medical emergency our Emergency Assistance team are available 24/7 to help, wherever you are in the world.

best travel insurance new zealand

Get in touch with the team and we'll be happy to help.

best travel insurance new zealand

Call us Monday to Friday, 8.30am - 7.00pm.

best travel insurance new zealand

You can reach our team on: +64 9 979 6593

IMAGES

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COMMENTS

  1. Travel Insurance For A Trip To New Zealand

    Learn how to protect your investment in a trip to New Zealand with travel insurance that covers trip cancellation, travel delay, trip interruption, travel medical expense and baggage loss. Compare and buy travel insurance policies from Forbes Advisor's partners and find the best deals for your trip.

  2. How to Choose the BEST Travel Insurance for New Zealand [2024]

    If an insurance company is based in New Zealand, you know they are more specialised in dealing with emergencies that may occur in New Zealand, as well as the customs when it comes to medical and local travel situations. 2. Compare the Excess Costs. "Excess" is the amount of money you will have to contribute toward the cost of an insurance ...

  3. Travel Insurance for New Zealand: The Best Options in 2024

    VisitorsCoverage: Best Medical Coverage. Among the internet's best-known insurance platforms, VisitorsCoverage is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to New Zealand. It lets you choose between various plans tailored to meet the specific needs of your trip to New Zealand, including coverage for medical emergencies ...

  4. New Zealand Travel Insurance

    New Zealand does not require visitors to have travel insurance to enter the country. Though optional, travel insurance is highly recommended for trips to New Zealand, as even the most well-planned trips may be subject to unforeseen events abroad. Depending on the details and benefits of your plan, travel insurance may offer coverage to help ...

  5. Canstar's Best Value Travel Insurance NZ

    Compare 44 travel insurance products from 18 providers across different regions and age profiles. Find out the winners of Canstar's Outstanding Value Travel Insurance Awards for 2023.

  6. Best travel insurance in New Zealand. Top policies at a glance

    AMI Travel Insurance. Southern Cross Travel Insurance. Tower Travel Insurance. 1. Cover-More International Travel Insurance. Cover-More's Options Travel Insurance is for international travellers seeking a comprehensive insurance solution.¹ The insurer that administers this policy is Zurich Australian Insurance Limited.

  7. Travel Insurance

    Which is the best travel insurance in New Zealand? The best travel insurance for you depends entirely on your planned trip and your circumstances. If you're a backpacker on a tight budget, you might want a no-frills medical-only policy. Whereas, if you're heading on a once in a lifetime cruise, have outlaid a lot of money in upfront deposits or ...

  8. New Zealand Travel Insurance

    Your travel insurance policy should be comprehensive and cover a range of potential issues: Medical expenses coverage up to £5m. Repatriation costs. Cancellation or curtailment coverage. Delay and missed departure cover. Travel abandonment cover. Baggage cover for lost or stolen items. Passport cover for a lost or stolen passport.

  9. How to Pick the Best Travel Insurance for Your New Zealand Trip

    World Nomads is well-known and respected amongst travelers, as the travel insurance provided offers more coverage than most providers and they are one of the most flexible providers. The Explorer Package for a six-month trip to New Zealand would be $610 and it would cover you for: $500,000 in emergency evacuation.

  10. Compare Travel Insurance

    Find the best and cheapest travel insurance for your overseas or domestic trips with Canstar's ratings and reviews. Compare by destination, type, provider and features to suit your needs.

  11. New Zealand Working Holiday & Student Insurance: FULL Guide [2024]

    The Best Working Holiday Insurance for New Zealand. Working holiday insurance for New Zealand that we have used and can vouch for, Orbit Protect 's Working Holiday Insurance is a good go-to for making sure you're covered for the whole time you're in New Zealand, as well as for up to 31 days if you're travelling in the South-West Pacific ...

  12. Travel Insurance for a New Zealand Vacation (2024)

    The following quotes are based on a 35-year-old traveler from South Carolina traveling to New Zealand for two weeks in December. The total trip cost is $2,800. Travel Insurance Provider. Most ...

  13. Travel Insurance From The Experts

    With Kiwi travellers for over 40 years. SCTI is part of the Southern Cross group; one of New Zealand's most enduring and trusted brands. We're 100% New Zealand owned, and have worked hard to forge a reputation as our country's leading travel insurer. During this time, we're extremely proud to be recognised both locally and internationally ...

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    Luckily, you don't have to spend hours online searching through dozens of travel insurance companies trying to find the best ones; we have them all here at glimp! We've gathered all of New Zealand's leading travel insurance companies together, including Southern Cross travel insurance, AA travel insurance and AMI travel insurance, making ...

  15. Travel Insurance for New Zealand

    New Zealand has a reciprocal health agreement with the UK provided by the Accident Compensation Corporation. It means that UK citizens, on a short-term visit to the country, will receive the same healthcare as New Zealand citizens. You'll be able to access emergency healthcare, for example, if you need to go to A&E, and see a GP.

  16. Compare Travel Insurance Quotes Online

    It is always important to know that the travel agent is acting as a middleman for another insurer meaning you might be paying much higher premiums. Ask them what commission they get for selling Travel Insurance, and then always compare their quotes. It only takes 30 seconds to get a 1Cover quote.

  17. Travel Insurance

    Get a quote. *Medical cover will not exceed 12 months from onset. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to the Inbound Plan. **For 12 months, over 100km from home, including domestic travel, up to maximum number of days per journey as selected by you.

  18. Travel insurance

    Compare travel insurance policies for New Zealanders travelling overseas. Learn about the things to consider when buying travel insurance, such as pre-existing conditions, activities, valuable items, excess and policy type. Find out the benefits and limitations of different types of travel insurance, such as comprehensive, budget, multi-trip and credit card.

  19. Travel Insurance

    Limits, sub-limits, conditions, and exclusions apply. Standard excess may apply. AMI Travel insurance is administered by Cover-More NZ Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand.

  20. Compare Travel Insurance

    Compare Our Travel Insurance Plans. At Cover-More, we make it easy for you to find the travel insurance policy that's best for your trip. We offer a variety of plans and options to vary your cover. You can compare our plans below and - if you find a suitable plan for you and your budget - you can buy a policy online today or give us a call ...

  21. How Do I Find The Best Travel Insurance?

    Call 0800 800 571. Call us Monday to Friday, 8.30am - 7.00pm. Calling from overseas. You can reach our team on: +64 9 979 6593. Choosing the best travel insurance can be a difficult process. Find out why you should choose Southern Cross Travel Insurance for your next trip.

  22. Travel insurance for backpackers

    Travel insurance often costs 4% to 10% of your trip's total price. So if your backpacking adventure will run you $4,000, the total cost of insurance may be $160 to $400.