travel insurance nz australia

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Destination Downunder

Trip Details.

Type to select country destinations

Type the countries you are travelling to or select from popular destinations below.

• Cook Islands
• New Caledonia
• New Zealand
• Philippines
• South America
• Netherlands
• Switzerland
• United Kingdom
• South Africa
• Middle East
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• Domestic Cruise
• Cruising New Zealand

Please Note: You do not need to include stopovers less than 48 hours, except for USA and Canada.

• Depart Return

Are all travellers under 19 your children or grandchildren?

Dependants are defined by TINZ as your children or grandchildren, not in full time employment, who are under the age of 19 and travelling with you for 100% of the journey. Before proceeding, please confirm that all travellers under 19 are dependants of the adult travellers. If the child is not classified under the above terms then please treat them as an adult traveller within this policy.

The Already Overseas plan is appropriate for New Zealand residents who are already overseas and need travel insurance cover because they have either forgotten to purchase before they left New Zealand or, their existing travel insurance policy has expired.

Please read our conditions of purchase carefully. We can only provide cover provided that you satisfy the following conditions at the time of purchase:

• You are aged 64 or under; and
• You have a permanent residential address in New Zealand and will be returning to resume residence in New Zealand at the end of your journey; and
• You intend to return to New Zealand on the date your policy ends; and
• You purchase your policy within 30 days from either the date you departed New Zealand; or the expiry of any other travel insurance policy; and
• Your period of overseas travel does not exceed 18 consecutive months in total from the date you originally departed New Zealand;

Please note:

• For this plan “journey” means the time from when the policy is issued while you are overseas and ends when you arrive at any immigration counter in New Zealand.
• Journeys can be up to a maximum of 90 days.
• Purchasing an Already Overseas policy is limited to one journey every 12 months.
• There is no cover provided for the first 72 hours from the start date of your certificate of insurance.

Age limit exceeded.

We are sorry.

We are unable to provide cover for this trip. Travellers aged over 80 years and over can only purchase travel insurance for a maximum duration of 6 months.

Please visit our partner website www.comparetravelinsurance.co.nz to purchase travel insurance for this trip.

Single Trip | Annual Multi-Trip

Travel insurance  for australia.

Ahh, we love a sunburnt country, we bet you feel the same. While Australia may seem just a hop, skip and a jump away, you’re still on foreign terrain. No matter the distance, travel insurance for your trip downunder is a fair dinkum idea!

24/7 Emergency  Assistance

Day or night, seven days a week, our emergency assistance team are just a phone call away should a medical emergency strike.

Cancellation  Cover

Don’t lose out if you have to cancel your Aussie trip. If you become sick or injured, we cover you if you need to stay home.

Travel Delays

Downunder delays are a common frustration when travelling. We provide you with compensation if you’re delayed more than six hours.

Family Emergency

Had to rush home or cancel due to a family emergency in New Zealand? Don't sweat, we’ll cover your lost non-refundable deposits.

Rental vehicle  Excess

  Had a ding in your rental car downunder? No dramas mate, we cover your rental vehicle excess giving you peace of mind on the roads.

Gadget cover

Taking a few gadgets with you on your Australian adventure? Our plans provide various levels of cover for phones, iPads, cameras & laptops

Longer cover

Whether you’re exploring the Outback or swimming in the Great Barrier Reef, don’t rush your trip.  TINZ offers cover for up to 18 months. Yeew!

Cruise cover

Cruising is automatically covered for all international trips, including to Australian waters.

Australia  traveller's guide

Just a hop over the road and you're in sunny Australia. While their pavlova, lamington and rugby team isn't quite as good as ours, their sunburnt country is definitely worth seeing. 

New Zealand citizens do not need to apply for a visa before coming to Australia for a holiday. If you are interested in also working temporarily in Australia, you may be eligible for a SCV (Special Category Visa), which allows you to enter, stay and work. To receive one of these on arrival, you require a valid New Zealand passport and a complete Incoming Passenger Card. To be eligible, you must never have been asked to leave Australia or deported from another country, and you may be refused entry if you have been imprisoned for more than a year.

Best time to visit

Avoiding the Australian school holidays not only limits the crowds, but also limits the prices! Heading south in winter is only recommended for those who like freezing seas and icy snowfields, while heading north in the summer is only recommended for those who plan to be warm and wet - the rain and humidity will make sure of that.

Need to know tips

Australia is home to some deadly animals - but it is their home. So if you're going swimming at the beach or in a waterhole, be aware of signs and warnings about sharks, jellyfish and crocodiles, and if swimming is banned there, head somewhere else. Places to swim are not hard to find in Australia. 

Unless you're planning to stay for six months, you're not going to see much of this big country - it's bigger than the entire European Union combined - so it's best to stay in one state and see everything you can. It's not uncommon to drive for six hours in Australia and have barely moved on the map. So if you're going exploring by four wheels or on foot, make sure you pack plenty of water and fuel to get you back home again.

Slip slop slap wrap - this common childhood refrain from the 80s and 90s was also popular in Australia. In modern Australia, there's a few extra steps now. So it's slip on sun protective clothing that covers as much of your body as possible, slop on some SPF 30 or higher sunscreen, slap on a broad-brimmd hat, seek out shade, and slide on some sunglasses.

As a very multicultural nation, there is an abundance of exciting foods to try, but be aware that it's not going to be cheap. Cook for yourself when you can - there are public BBQs in most parks which are definitely worth using in summer.

Alcohol is taxed much higher in Australia compared to New Zealand, so you may wish to have a bevvie or two at home before you head out for a night on the town.

Getting around

Australia is big - it's about 30 times the size of New Zealand. So depending on where you're headed and how long you're there for, transport is an important budget consideration. Flying is the quickest and easiest way to get from the major and regional cities, but it can also be very expensive - especially if you're flying during popular holiday times.

God bless America, God Save the Queen, God defend New Zealand and thank Christ for Australia. - Russell Crowe, Actor

What to eat

There's not a lot in Australia that you can't get in New Zealand. For example, a popular delicacy across Australia's big brown land is the Bunnings sausage sizzle. You also can't go past fish and chips at a bronzed Aussie beach.

While Indigenous Australian cuisine is unknown to most Australians, there are many opportunities to engage in cultural heritage going back more than 60,000 years - both with guides, and in your grocery store.

Head to the supermarket or butcher and grab some chilled kangaroo fillets. Don't expect to treat them like beef or lamb - these animals have very low body fat, and five minutes on a grill will make it turn to rubber. Instead, look at marinating and cooking inside a slow or pressure cooker.

For new seasoning flavours, consider wattle seed's nutty flavour, or the popular lemon myrtle. The latter is particularly good for wrapping fish as it cooks.

If you're looking for the full bush tucker experience, investigate local Indigenous guides who can tell the poisonous from the palatable - *many Australian plants are the former* - and help you find unique animal delicacies like honey ants and witchetty grubs.

Where to go

With tiny country towns, sprawling cities, and endless outback and open waters, Australia offers New Zealand travellers a sensation range of places to see. 

Australian Capital Territory: Australia's bush capital is a great place to travel, as it has less residents and tourists than Sydney and Melbourne. Take a tour of Parliament House, visiting science museum Questacon, the National Art Gallery, or the Mt Stromlo Observatory.

Victoria: if you're thinking of renting a car , the Great Ocean Road is a spectacular coastal drive. You can visit famed rock formation, the 12 Apostles (only seven remain after years of erosion from the elements), check out surfing hotspot Bells Beach, or go spot a koala at Kenneth River. Otherwise, why not head to Melbourne, for theatre, art, and some of the country's best coffee.

South Australia: make your first stop Kangaroo Island, with its powder white beaches, delicious local produce, and an abundance of incredible wildlife.

Western Australia: do you love your wine as much as we do? Check out Margaret River, a three-hour drive from capital city Perth. Known as one of Australia and the world's best wine regions, Margaret River has over 150 wineries, along with award-winning casual and fine dining restaurants and micro-breweries.

Northern Territory: Visit the desert heart of Australia for red soil and blue skies in every direction. Breathtaking indigenous sites, Uluru and Kata Tjuta are must-sees (especially early in the morning or late in the afternoon to watch them change colour). Do the right thing by the locals, and resist any inclination to climb Uluru - there is a ban from October 2019 anyway.

Queensland: The Great Barrier Reef, the Daintree Rainforest, or the glorious beaches of the Whitsunday Islands - there is no shortage of incredible natural landscapes to explore up north. Or if bugs and fish aren't thrilling enough for you, hit up the Gold Coast to visit the theme parks.

New South Wales: Biggest city Sydney has iconic attractions the Sydney Harbour Bridge and the Opera House, popular beaches Bondi, Coogee and Marboura, and fantastic cultural spots like the Museum of Contemporary Art and the Sydney Theatre Company. Or head out of the city to the wonderful hikes of the Blue Mountains or the south coast's seaside hideaways.

Planning on heading elsewhere on your trip? Whether you're saying  'Hey!' to the USA , or you're chilling in  C hina , TINZ has you covered.

TRAVEL INSURANCE OPTIONS

Get cover for the things you love for your holiday to Australia. Whether you’re an adrenalin junkie, a gadget freak or a high-end holiday maker, TINZ has the extra cover you need.

DOMESTIC TRAVEL

There are always risks when you travel, even in your home country. Protect your New Zealand holiday with domestic travel insurance and get cover for rental car excess, luggage, personal effects, lost deposits and more.

SKI INSURANCE

ADVENTURE ACTIVITIES

GROUP BOOKINGS

Are you travelling to Australia with a group? TINZ offers special rates that can save you significant time and money!

SPECIFIC ITEMS

PRE-EXISTING MEDICAL CONDITIONS

Don’t let a pre-existing medical condition get in the way of your travels.  We cover 35 existing medical conditions automatically for free. You can also apply to cover additional conditions by assessment.

FREQUENT TRAVELLER TRAVEL INSURANCE

Do you visit Australia often? If you’re planning several trips downunder, or elsewhere this year a frequent traveller policy can save you time & money.

Our annual multi-trip policy covers an unlimited number of trips over a 12 month period. We give you the same level of cover as our comprehensive international plan, meaning you get full coverage for less. You can tailor your individual trip duration from 15 days up to 90 days. Please note this policy is only available for customers under the age of 64.

AUSTRALIA TRAVEL INSURANCE  FAQS

Travelling often means stepping out of your comfort zone, even in a country as neighbourly as Australia.  Flight delays, missed connections and lost luggage can thump your trip harder than a boxing kangaroo! Make sure you're covered for a range of travel disasters regardless of destination.

Q. Do I need medical cover while I’m in Australia?

New Zealand and Australia share reciprocal healthcare agreements meaning you will have access to government medical facilities and care while travelling in Australia. Whilst you may be eligible for reciprocal health care in Australia, this would not cover any ambulance fees, additional accommodation costs, flights for family members or medical repatriation to New Zealand. TINZ can help to cover these costs should the worst-case scenario occur.

Q. Do you cover scuba diving in the barrier reef?

Absolutely. We agree that scuba diving is a great way to explore the deep blue sea. You're only covered if you hold an open water diving license or you are diving under licensed instruction.  If you are a qualified scuba diver you are covered for accompanied dives with a maximum depth of 30 metres. If you are unqualified you are covered for a maximum depth of 30 metres with an instructor. 

Q. Am I covered for all water sports downunder?

Yes.  At TINZ we cater for those who enjoy getting wet.  We cover a wide range of waters sports such as surfing, scuba diving, snorkelling, kite surfing, canoeing, kayaking, white water rafting, water skiing & wakeboarding, stand up paddle boarding, jet skiing and more.  Please refer to our Sports & Activities Cover for a full list of covered activities .  This outlines activities requiring an additional premium and activities automatically covered for free.

q. Which activities are excluded?

We don’t cover outdoor rock climbing, hang-gliding, boating in international waters or any kind of professional or competition sports. For a full list of excluded activities please refer to  Policy Document .

Q. How do alcohol and drugs affect my cover?

When it comes to alcohol we understand that for some, there’s no better way to kick off a holiday than with a poolside cocktail (or two). However, we would exclude any claims involving drugs/or alcohol. Please note this exclusion is only applicable if it was your intoxication that resulted in the claim. Refer to our Policy Document to see a full list of exclusions.

Q. Would my camera, laptop, engagement ring be covered?

It depends. We will pay up to $1,000 for standard individual single items and $3,000 for personal computers, video recorders or cameras. If you have an item that exceeds either of these costs you can insure it separately up to an additional $5,000.  You are only able to cover an item of jewellery for up to $1,000. For more information on insuring specific items during your travels, please refer to our high value items page.

Q. Are kids covered for free?

All of TINZ's travel insurance policies cover kids at no additional cost. Your child is eligible if they are financially dependent, under nineteen (19) years, travelling together with a parent or grandparent for 100% of the holiday, and are named on the Certificate of Insurance.

Because life’s a trip

Before You Buy

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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

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.**

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!

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

*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 as selected by you.

Still unsure? Ask us a question

Compare our Travel Cover Plans

International.

Single Trip or Annual Multi-Trip Maximum benefit limits (per adult) unless stated otherwise

Up to $1,500 for emergency dental expenses

Up to $1,000 per month

Up to $2,500 for personal vehicle insurance excess

Up to $250 per month

Domestic Cancellation

Single Trip Maximum benefit limits (per person)

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

Policy benefits

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

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.

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.

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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.

We compare quotes from heaps of travel insurance brands in New Zealand. Do your comparison online to save time, worry and loads of money.

WHY KIWIs LOVE COMPARE TRAVEL INSURANCE

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It doesn’t matter whether you're looking for cheap cover or fully comprehensive, a domestic or international policy, you'll find the prices on our site are the same great prices you would get buying travel insurance direct !

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We promise to keep your data secure and not to sell your information to other companies. And we only ever send you relevant emails you have subscribed to.

Using our comparison is easy-peasy! One simple form makes it quick and easy to compare travel insurance quotes for your holiday. You'll get quotes online for your trip in seconds.

Feel secure

All the companies we compare have 24/7 emergency assistance & are underwritten by reputable insurers like Chubb Insurance New Zealand Ltd and Certain Underwriters at Lloyd's.

Product choice

We compare heaps of policies for all types of travellers from some of New Zealand's most reputable travel insurers. We compare brands including, 1Cover, Amex, Zoom & more!

Travel Insurance Extraordinaire At Your Service

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!

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

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

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 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.

TRAVEL INSURANCE REVIEWS

Not sure which policy to pick? Our travel insurance reviews are here to help! Thousands of Kiwi's have reviewed their travel insurers to give you the inside story on everything from claims handling to customer experience.

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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CoverDirect NZ Limited (INC 3526051) owns and operates this website.

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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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.

2023 Outstanding Value Travel Insurance Awards

Compare Travel Insurance by Destination

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.
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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

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• Travel Insurance For New Zealand: A Guide

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To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

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Travel Insurance For New Zealand: The Complete Guide

Published: Jul 30, 2024, 1:10pm

Editorial note: Forbes Advisor Australia may earn revenue from this story in the manner disclosed here . Read our advice disclaimer here .

Table of Contents

New zealand travel insurance, do i need travel insurance for new zealand, what does travel insurance for new zealand cover, best travel insurance for new zealand, frequently asked questions (faqs).

New Zealand has long been a popular holiday destination for Australians, owing to its proximity across the ditch and its catalogue of tourism hot-spots. In fact, each year (prior to the pandemic), there were about 1.6 million Aussies travelling to New Zealand, whether for the snow or summer scenery, or to simply visit friends or family who live there.

Until recently, NZ was the most popular overseas destination for Aussies. In 2024, however, that title went to Indonesia, with 1.37 million flying to Bali and surrounds in the past year, while 1.26 million headed to New Zealand. When heading across the Tasman, 43% of Australians went for a holiday and 38% to visit friends or relatives.

And while travel costs are front of mind for many, there is one thing you should never skimp on when it comes to holidays: travel insurance. It may be tempting to forego travel insurance when heading to a place as peaceful and laid-back as New Zealand, or if you’re simply paying family a visit, but as our guide outlines, it’s still vital.

Related: Our pick of the best comprehensive travel insurance providers

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To take out a travel insurance policy for New Zealand, you may be able to select one that covers solely New Zealand specifically, one that covers Oceania, or a worldwide policy (that often excludes the US and Mexico due to healthcare costs).

There are also different types of policies when travelling to New Zealand, which will depend on the duration of your trip and whether you are visiting additional destinations.

These include:

• Single trip: for a one-off trip in the space of 12 months.
• Annual multi-trip: for more than one trip in the space of 12 months.
• Long-stay/backpacker: for an extended stay of 60 or 90 days or 12 or 18 months, and occasionally 24 months, depending on the provider.

Additionally, an annual multi-trip policy can work out more cost-effective than purchasing multiple single trip policies, but not always, so it can help to compare both types of policy.

Remember to check if a policy will only cover trips to New Zealand and Australia or worldwide destinations excluding the US and surrounding countries.

While travel insurance for New Zealand isn’t compulsory, it’s highly recommended. Good travel insurance will cover expenses should the policyholder need to cancel their trip due to an emergency, such as illness or bereavement. It will also pay out for damaged, lost or stolen baggage, as well as other items.

The total amount of baggage cover should reflect the value of all the belongings the policyholders are taking with them. There’s also usually a single item limit which dictates how much the policyholder can claim per item.

Another key component of travel insurance is medical cover. According to Services Australia, the Reciprocal Health Care Agreement (RHCA) we have with New Zealand may cover some of your medical costs in the New Zealand public health system. However, certain emergencies may not be covered, especially if you are taking part in activities which are excluded from your insurance policy.

The New Zealand site also explains that while Australians are eligible for medical treatment in New Zealand, this does not preclude the need for insurance. For example, visitors may also be left at a loss if they need repatriation to Australia, however, travel insurance for New Zealand can cover this.

“As neither reciprocal agreement provides full coverage, travellers should hold comprehensive travel insurance, including health insurance,” the site notes.

In addition to coverage for medical and lost luggage, most policies for New Zealand cover travel delay and missed departures.

For those planning to take advantage of the country’s vast number of adventure sports and activities, it is worth checking which are covered by a policy. As New Zealand is a popular snow destination, you will need to ensure that your policy covers snow sports if you wish to take part in these activities.

Often a policy covers around a hundred low-risk sports as standard. These include cricket, football and rugby. However, cover for bungee jumping (also popular in New Zealand) scuba diving and kite surfing among other higher risk activities, are likely to require an extra premium payment–just as snow activities would. In many cases, this is bundled as an ‘activity pack’ when selecting your cover.

In any case, insurers usually only accept claims where the appropriate safety gear was worn, such as a helmet or harness. For activities such as scuba diving, policyholders will likely need to dive with a qualified instructor and follow official guidelines for any claims to be accepted.

What Does Travel Insurance Exclude?

Specific limitations and exclusions on cover differ between policies, but there are some common exclusions to bear in mind.

Most insurers will not accept ‘disinclination to travel’ (simply not wanting to travel) as a valid reason for a claim.

As stated previously, claims are often void if you have not followed the appropriate safety guidance and official guidelines for activities you participate in, even if the activities are covered.

Also, any claims arising from intoxication from drink or drugs, or disorderly behaviour, are likely to be rejected.

The best travel insurance for New Zealand will depend on your needs, such as whether you are taking part in snow sports or other adventure activities.

An easy way to compare travel insurance policies is to use an online comparison tool, or read through our pick of the leading travel insurance policies for Australians. Note that these are not location specific, so you will have to consider whether or not they include the extras you will require for your trip.

Related: Our Pick Of The Best Comprehensive Travel Insurance Providers In Australia

Does Air New Zealand offer travel insurance?

Yes, Air New Zealand offers travel insurance if your travel commences in Australia. There are certain inclusions and exclusions—as with any policy—but Air New Zealand does state that it covers for Covid-19. To read more about its policy, you can go online at the Air New Zealand website and read their terms and conditions.

Do Australian citizens need travel insurance in New Zealand?

Australian citizens are not required to have travel insurance in order to enter New Zealand. However, it is encouraged in order to ensure adequate medical coverage, liability protection, and cover for lost luggage and gadgets.

Will Australian health insurance cover me in New Zealand?

According to Services Australia, the Reciprocal Health Care Agreement (RHCA) we have with New Zealand may cover some of your medical costs in the New Zealand public health system. However, it is still recommended that you purchase travel insurance so that you are protected for major medical events, in the case of sporting injuries or repatriation, as well as lost luggage and cancellation cover.

How do I get cover for snow sports in New Zealand?

To ensure you are covered for snow sports in New Zealand, you need to choose a travel insurance provider that includes snow cover within its base policy or as an optional add-on. It is most common for snow sports to be sold as an add-on, as the high-risk activity makes it more expensive than a policy would otherwise be.

To find policies that offer snow sports, you can read our pick of the best comprehensive travel insurance providers in Australia and then obtain quotes from on their respective websites.

When to buy travel insurance for NZ?

It is recommended that you buy travel insurance for New Zealand as soon as you have booked your flight. This will enable you to claim if you are forced to cancel your trip due to an unforeseen event.

How much does travel insurance to New Zealand cost?

It can vary greatly, as each provider will differ in what they offer as standard within each tier of coverage,

But as a guide, we ran quotes with three leading providers: Travel Insurance Direct (TID); Cover-More and InsureandGo for a 30-year-old travelling to New Zealand for one week in September, In each case, we added a snow sports pack. Here’s what we found:

• Travel Insurance Direct (TID): $138.04 for comprehensive; $108.42 for basic cover with snow sport and $2,000 cancellation cover.
• Cover More: $146 for comprehensive; $104 for basic cover with snow sport cover selected and $2,000 cancellation cover.
• InsureandGo: $139.46 for comprehensive cover; $59.12 for basic cover (with snow sport selected) but no option to include cancellation cover at this tier.
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Worldcare Travel Insurance plans provide specified levels of cover from cancellation to extended benefits like travel disruption, medical, life, baggage, personal effects, money and personal liability. Whether you’re travelling locally or abroad, all Worldcare plans include 24-Hour Emergency Assistance.

Selected cover for epidemic and pandemic diseases (Covid-19)

Worldcare policies include selected cover for epidemic and pandemic diseases such as Covid-19. There is a provision to claim for cancellation and medical expenses should you contract an epidemic or pandemic disease such as Covid-19 after purchasing your policy. Cover for medical claims directly related to an epidemic or pandemic such as Covid-19 will only apply if you contract the disease after you commence your journey. There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population. As with any travel insurance, disinclination to travel due to fear or change of mind is not covered.

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The GoComprehensive, GoFreedom and GoLocal Comprehensive plans provide automatic cover for a variety of specified Pre-existing Medical Conditions. If your Pre-existing Medical Condition is not automatically covered under these plans, you can apply for cover. If cover is confirmed and you want to proceed with your purchase, an additional premium will apply. Please note that no cover for Pre-existing Medical Conditions is available under the GoBudget and GoLocal Cancellation Only plans.

Selecting your Travel Insurance Plan

Check which Worldcare plan best suits your travel needs . Compare benefit levels, then review the Policy Wording and request a quote online. Your quote will provide excess options and a price for our GoComprehensive, GoBudget and GoLocal Comprehensive plans. Select the excess level and plan that best suits your travel plans and the level of cover that you require for your trip. An excess will apply to each separate event giving rise to a claim unless you pay a higher premium for a No Excess policy.

The GoComprehensive plan provides the highest level of cover whereas the GoBudget plan provides lower benefit levels. If you travel more frequently, the Worldcare GoFreedom plan provides the same benefit levels as our GoComprehensive plan, but has been created for customers that take multiple journeys over the course of a year. The GoComprehensive and GoBudget plans can be purchased online. The GoFreedom plan can only be purchased over the phone with one of the Customer Care team.

Travelling around New Zealand? GoLocal provides cover for domestic travel around our backyard with two plan options. GoLocal Comprehensive provides higher benefits levels and the option to add on a Cruise pack if you’re taking a cruise. Meanwhile, GoLocal Cancellation Only has been designed for those who only want cover for cancellation costs, should you be forced to cancel your trip before you go.

Whichever plan you choose, you will have access to 24-Hour Emergency Assistance while you travel.

Quote and buy online or talk to us over the phone on 0800 553 550. Our experienced team are on standby to answer your queries.

Worldcare Travel Insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia) ("Hollard"). You should consider the Policy Wording before making any decisions about your insurance policy. Terms, conditions, limits, sub-limits and exclusions apply.

The Hollard Insurance Company Pty Ltd has a financial strength rating of A (Strong) issued by Standard and Poor's. The Standard & Poor's rating scale is:

The rating may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. The rating scale above is in summary form. A full description of this rating scale can be obtained from www.standardandpoors.com . An overseas policyholder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.

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Where are you going.

Single Trip

Select a country in the area of travel based on where you will spend the most time on your journey

Note: If you plan to spend more than 20% of your time in the Americas or Antarctica, you must select a country from the area that includes these countries.

Annual Multi-Trip

Select a country you are planning to visit in the area which will cover all the countries you plan on visiting over the year. If you plan to visit a country in the Americas, or Antarctica, you must select a country in the area that includes these countries.

Cover includes domestic journeys provided the destination is more than 100 km from your home in New Zealand. If less than 100 km, your trip must include at least one night paid accommodation booked with an accommodation supplier or provider.

• United States of America (USA)
• Cook Islands
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• Antarctica - Sightseeing Flight
• Antigua And Barbuda
• Cayman Islands
• Dominican Republic
• El Salvador
• Falkland Islands
• Northern Mariana Islands
• Puerto Rico
• St. Kitts and Nevis
• St. Vincent and Grenadines
• São Tomé and Príncipe
• United States of America
• Virgin Islands, U.S.
• Afghanistan
• Bosnia and Herzegovina
• Burkina Faso
• Cape Verde Islands
• Central African Republic
• Congo, The Democratic Republic Of
• Czech Republic
• Equatorial Guinea
• Faroe Islands
• French Guiana
• Guinea-Bissau
• Ivory Coast
• Korea, Republic Of
• Liechtenstein
• Moldova, Republic Of
• Netherlands
• Saudi Arabia
• Sierra Leone
• South Africa
• Switzerland
• Trinidad And Tobago
• Turkmenistan
• United Arab Emirates
• Vatican City
• Northern Ireland
• United Kingdom
• Lao People's Democratic Republic
• Marshall Islands
• Philippines
• American Samoa
• French Polynesia
• New Caledonia
• Norfolk Island
• Papua New Guinea
• Solomon Islands
• Western Samoa
• New Zealand

Dates of Travel

Departure date (travel start date).

Single Trips

The date you depart your home in New Zealand

If you purchase this policy on your trip after leaving home, this cover is subject to a 3-day no-cover period. This means there is no cover under any section of the policy for any event that has occurred already or that arises within the first 3 days of buying the policy.

Cover under the 'Amendment or cancellation costs' benefit begins from the time you buy your policy.

Cover under all other sections begins from the departure date you select.

Annual Multi-Trips

The date your policy will commence

For further information we recommend you read the definition of 'Relevant Time' and 'Period Of Insurance' in the Policy Wording.

Return Date (Travel End Date)

The date you return to your home in New Zealand

Your Annual Multi-trip Policy will expire 12 months from the commencement date of the policy.

Ages of travellers

Who is going.

Enter the current age (at todays date) of each traveller, including children, who you want to cover with insurance.

Click Add+ if you need to add more travellers

Accompanied Children are 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, they are financially dependent on You and they are under the age of 21 years. See the Policy Wording for more information.

Do all travellers live in NZ?

Most policies can only be issued to New Zealand citizens and permanent residents of New Zealand who:

• Will be returning to New Zealand at the completion of the period of insurance and within 12 months of the journey commencing;

If you are visiting New Zealand from another country you should select New Zealand as your Destination

Travel insurance for your flight, holiday or adventure

Whether you travel once a year or you're a frequent flyer, we have comprehensive travel insurance options for single and annual multi-trips – overseas or travel around New Zealand.

Air New Zealand travel insurance also includes medical expenses and limited cancellation expenses related to Covid-19.

Plus, you can earn Airpoints Dollars™ on every policy or pay using Airpoints Dollars.

Covid-19 cover included

We provide Covid-19 benefits on both Single Trip and Annual Multi-Trip policies to help you travel with greater confidence.

Access to a Travel Doctor

As a policyholder you have access to our bonus Travel GP service free of charge. If you're feeling ill and need to talk to a doctor we can put you in touch with an Australian-based doctor via telemedicine.

Existing Medical Conditions

We can cover a range of existing medical conditions. There are 39 already included in our policies, and you can apply online as part of your policy purchase.

Free cover for children

Free travel cover for accompanying children or grandchildren under 21.

Travel Delay

We automatically include coverage in our comprehensive policies for travel delay of over 6 hours.

Use your Airpoints Dollars™

You can use your Airpoints Dollars to purchase your travel insurance policy. Sign in at any time.

Free look period

Once you’ve purchased make sure you read the policy. If you're not sure you can cancel within 21 days and get a full refund. ** 

Why choose Travel insurance from us?

Air New Zealand has partnered with Cover-More Travel Insurance to bring you world-leading comprehensive insurance for travel within New Zealand and around the world.

Cover-More is part of the Zurich Insurance Group, one of the world’s largest insurance companies. For more than 30 years, Cover-More travel insurance and their 24/7 emergency assistance services have helped Kiwis all over the world.

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What is travel insurance?

Travel insurance is designed to cover you for a range of unexpected events that could happen when you’re travelling overseas or in Australia. Allianz Travel Insurance can cover costs like travel delays or emergency medical treatment, or the cost of replacing items that were lost or stolen during your trip. 1

We have Basic, Comprehensive, Domestic, and Multi-Trip Plans to choose from, with varying levels of cover to help you when you need it most. Our plans are available for singles, duos or families. Read through our Product Disclosure Statement (PDS) for detailed information about our plans to see which level of cover is right for you.

Find the right cover for your trip

Basic Travel Insurance

• Overseas emergency assistance 1
• Overseas medical and hospital expenses 1
• Personal Liability 1

Comprehensive Travel Insurance

• Overseas emergency assistance, medical and hospital expenses 1
• Unexpected trip cancellation 3
• Loss of or damage to luggage and personal effects 1
• COVID-19 benefits 2

Domestic Travel Insurance

• Travel delay expenses 1
• Rental vehicle excess 1

Multi-Trip Travel Insurance

Additional cover options.

For an additional premium, you can choose to add an Adventure Pack, Cruise Pack, or Snow Pack to eligible plans. Increased Item Limits Cover can also be added to insure your luggage, personal effects or valuables should something happen to them while travelling.

You have the option to vary the base excess when you buy your policy (premium adjustment will apply depending on the excess selected). The choice is yours.

Website review and travel remediation

Choose what suits your needs, single cover, family plan, ready to get started, frequently asked questions.

Without travel insurance, you run the risk of incurring some significant expenses that may take years to pay off.

If you’re travelling overseas, travel insurance is an important consideration for unexpected medical bills and hospitalisation. Other unforeseen expenses could include the replacement of lost or stolen luggage, delays or cancellations to your trip, and many other unfortunate scenarios.

We don’t cover medical expenses under our Domestic Travel Insurance policy. However, you may wish to take out insurance for domestic flight changes or cancellations, lost or stolen baggage, or rental vehicle excess. Refer to the Product Disclosure Statement (PDS) for more information.

Travel insurance may cover you for a range of unexpected events that may affect your trip, such as emergency medical assistance if you become ill or injured while travelling overseas, including arranging your evacuation if needed.

Other incidents that travel insurance may cover include costs due to unexpected delays and cancellations, rental vehicle excess, and personal liability. You also have the option to purchase additional cover for activities such as adventure sports or skiing, although this isn’t available on all plans.

Cover limits vary from insurance provider to insurance provider, as do policy terms, conditions, limits and exclusions, so it’s important to read the Product Disclosure Statement to make sure you fully understand what’s covered, the limits applying to the policy, and to make sure the policy is appropriate for your needs.

The length of your Travel Insurance policy is largely dependent on the travel dates you supply. When obtaining a quote, or buying a policy, you’ll be prompted to enter in your departure and return dates – this will be the period of cover for all benefits except the cancellation benefit, which begins from the date your policy is issued.

The period of cover is also shown on your Certificate of Insurance, which is sent to you at the time of purchase. You may want to extend the length of your holiday abroad (and therefore need an extension of your period of cover) and you may be able to do this within specified timeframes.

If you think you may travel more than once a year, you may wish to consider a Multi-Trip policy . Different start and end dates apply, refer to the Product Disclosure Statement for full details.

It’s up to you when you buy Allianz Travel Insurance, however, keep in mind these three things:

• You can buy our Travel Insurance up to 12 months in advance.
• You must buy Allianz Travel Insurance before you start your journey. Your journey starts when any traveller named on the Certificate of Insurance leaves home or work in Australia to begin travel.
• Depending on the plan you choose you may have trip cancellation cover, which covers unexpected trip cancellation, rescheduling or shortening from the date your Certificate of Insurance is issued. So, consider buying our Travel Insurance as soon as you’ve booked and paid for some or all your trip as you may be covered for such events before you depart.

Yes, if you change your mind after you buy your Travel Insurance policy, you may cancel it within 14 days of your Certificate of Insurance being issued.

You’ll be given a full refund of the premium you’ve paid, provided you’ve not started your journey and don’t intend to make a claim or exercise any other right under your policy.

When considering which policy is right for you, make sure you consider your needs, as well as your financial situation. Reading the Product Disclosure Statement and Target Market Determination (TMD) is a good place to start as they will give you more detail, so you can decide if the plan is right for you.

Allianz Travel Insurance offers a number of travel insurance plans – Basic , Comprehensive , Domestic , Non-Medical or Multi-Trip Travel Insurance . You can see more detailed information on our Compare Cover Options page .

This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic.

However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19.

Refer to the Product Disclosure Statement to see which benefits offer cover in the event that you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.

Note: There is no cover under any benefit of this policy if your claim arises because you did not follow advice or a warning that has been issued by the Australian Government or a reliable mass media source. This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

If you have any questions call us on 13 1000 .

If you need to shorten your journey while travelling, or are prevented from travelling due to a COVID-19 border closure or mandatory quarantine period, you may be entitled to receive a partial or full refund on your premium. Refer to the Product Disclosure Statement for more information.

Eligibility criteria applies. Contact us on 1800 440 806 or email us .

There is no cover under any benefit of this policy if your claim arises because you didn’t follow an advice or warning that a reasonable person would have been aware of, that has been issued by the Australian government (when a ‘reconsider your need to travel’ or ‘do not travel’ alert is in place), which can be found on Smartraveller ; or which was published in a reliable mass media source.

Before buying travel insurance, and while you’re travelling, check Smartraveller and Allianz Partners for travel alerts or advisories for your intended destination(s).

Note: This applies even if an Australian government has given you permission to travel, or you fall under a specific exemption where there is otherwise a travel ban in place.

Tip: Subscribe to Smartraveller to get travel alerts and advisory updates by email.

Refer to General Exclusions in the Product Disclosure Statement for a full list of exclusions.

If you have any questions, call us on 13 1000 .

A general exclusion, sometimes referred to as a policy exclusion or exclusion, is an exclusion that applies to all policy benefits.

Should a general exclusion apply, your travel insurance policy won’t provide cover for the specified event, activities or circumstances.

Refer to General Exclusions in the Product Disclosure Statement provided at the time of purchase for a full list of exclusions.

We're here to help

Give us a call, or send us a message, follow us on, *conditions apply.

• Terms, conditions, exclusions, limits and applicable sub-limits apply. Refer to the Product Disclosure Statement for full details.
• Policy terms, conditions, limits, exclusions, and sub-limits apply to particular types of losses, premium refunds (full or partial) or claims. This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic. However, you’re covered under selected benefits in this product if, during your period of cover, you’re positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the Product Disclosure Statement to see which benefits offer cover in the event you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.
• Terms, conditions, limits, exclusions and sub-limits apply. Cancellation cover is only available on Comprehensive, Domestic and Multi-Trip Plans. Refer to Cancellation and General Exclusions sections of the Product Disclosure Statement for full details.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

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Do you want to cover a single trip or multiple trips, single trip  covers a single return journey overseas, up to 12 months long., annual multi-trip  covers an unlimited number of return journeys overseas over a 12 month period from the date your insurance starts which you can choose., when are you travelling, select the dates you will depart from and return to new zealand. , cover starts on the date you select, and you will have 12 months of cover from this date., where will you be travelling, you should make sure it’s safe to travel to your destinations by checking for travel advisories on the safetravel website . to understand how travel warnings and advisories might impact your cover, check our frequently asked questions ., popular destinations, south pacific.

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Travel Insurance

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15% AA Member online exclusive discount

Financial Strength Rating

The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia), ("Hollard"), has been given a financial strength rating of A (Strong) issued by Standard and Poor's. View the full details on the  Financial Strength Rating .

An overseas policyholder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.

Financial advice

The New Zealand Automobile Association provides general information about AA Travel Insurance products and services so that you can make a choice that best meets your needs. Information provided does not take into account your personal circumstances, needs or goals and is not intended to be financial advice. If you'd like to receive financial advice, you can get professional advice from a registered financial adviser.

More information

Contact us Policy Wording Make a claim Terms and conditions AA Traveller Member Benefits

* AA Members can receive an online exclusive 15% discount on AA Travel Insurance.  10% AA Member discount still available through AA Centres and over the phone. Simply provide each traveller’s valid AA Membership number on application. Discount applies to Base Price, including any additional pre-existing cover, but does not apply to additional cover for high value items. Discount does not apply in respect of policies purchased through quotes generated outside the relevant promotion period. View the full  T&Cs .

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Travel insurance for New Zealand

Everything you need to know before taking your trans-Tasman trip

With picturesque landscapes, a plethora of adventure activities, world-class ski areas and amazing produce on offer, it’s no wonder New Zealand is a preferred destination for Australian travellers.

But before you take off on the short flight ‘across the ditch’ – whether it’s to the North or South Island – it’s important to consider covering your trip with suitable travel insurance for New Zealand

Why? Scattered throughout our guide on New Zealand travel insurance cover below, you’ll find real-life examples of when travel insurance “saved the day” for Australians travelling in New Zealand. As Cover-More customers, our global 24/7 Emergency Assistance team supported them when they needed it most.

For support when you’re travelling in New Zealand, get a quote online now.

Travel insurance plans suitable for New Zealand

International Comprehensive Travel Insurance

International Basic Travel Insurance

Annual Multi-Trip Travel Insurance

Useful cover for a new zealand trip.

Adventure Activities Cover

Snow Sports Cover

Cruise Cover

Skip ahead to find:

Do I need travel insurance to travel from Australia to New Zealand?

What level of travel insurance do i need for new zealand.

• Does Cover-More travel insurance cover adventure activities in New Zealand?

Does Cover-More travel insurance cover skiing and snowboarding in New Zealand?

Does cover-more travel insurance provide cover for covid-19, does cover-more travel insurance cover cruising in new zealand.

• How can Cover-More assist me in an emergency?

Do I need travel insurance for driving a car or van in New Zealand?

• New Zealand travel tips

While a holiday to New Zealand will introduce you to so many incredible new experiences and unique wonders, it has something in common with all other overseas destinations: it encourages you to think about the importance of travel insurance.

You'd be shocked to know how many people think you don’t need travel insurance for New Zealand if you’re travelling from Australia because it’s “just across the ditch”.

However, even though it’s only a few hours from home, it’s important to consider protecting yourself from the expenses of unexpected situations, such as requiring emergency medical care, a hospital visit, lost luggage, travel delays, severe weather, and more.

You should consider buying travel insurance for New Zealand as soon as you plan to go or book your flights. To compare our Cover-More travel insurance for NZ, read this .

If you’re looking for the best travel insurance for New Zealand for your trip, we can help.

After all, choosing the right level of travel insurance for your needs is important when planning a holiday.

At Cover-More, we offer three different international plans suitable for trips to New Zealand: Comprehensive+, Comprehensive, and Basic. We recommend you look at the benefits and benefit amounts below to help you decide what plan level is best for you.

Compare our international travel insurance plans:

* Sub-limits apply. Please refer to the PDS for full policy conditions.    ** Cooling-off period is available if you cancel your policy within 21 days provided you have not made a claim or departed on your journey.    ~ Cover will not exceed 12 months from onset of the illness, condition, or injury.    ^ Cover chosen applies per policy.      † Liability collectively for Loss of Income, Disability and Accidental Death is $45,000 on the Comprehensive+ Plan and $30,000 on the Comprehensive Plan.    • Item limit applies for any one item, set or pair of items including attached and unattached accessories. You may increase these items limits if You wish. See PDS for full details.

If you frequently travel from Australia to New Zealand, consider our Annual Multi-Trip policies as it could save you both time and money. It’s available on our International Comprehensive+ and Comprehensive Plans, and lets you purchase one travel insurance policy that covers an unlimited number of trips in a 12-month period (up to the maximum trip duration you select).

Always read the Product Disclosure Statement (PDS) before purchasing our travel insurance products so you’re clear on what you’re covered for when you travel from Australia to New Zealand.

Does Cover-More travel insurance cover adventure activities when travelling in NZ?

New Zealand is the ultimate destination for adrenaline sports and exploring the great outdoors. A bucket list item for many Australian travellers to New Zealand is bungee jumping, so why not do it at the home of modern bungee – Kawarau Bridge?

From taking to the rivers with white water rafting, hiking in the pristine mountain wilderness, or taking to the air with skydiving, action-packed adventure activities can be your best – and most thrilling way – to experience New Zealand.

If you’re a thrill-seeker wanting to engage in several adventure activities while you’re in New Zealand, Cover-More can help protect you. Adventure activities often involve remote locations, so without the right level of insurance, you could be looking at a complicated and expensive evacuation if things don’t go to plan.

When you buy Cover-More travel insurance for New Zealand, we can provide cover for:

• Over 80 automatically included activities – see our adventure activities page for the full list and the PDS for conditions.
• Adventure Activities Cover: this additional coverage option including cover for the 80+ automatically included activities, plus cover for 30+ extra activities such as water-skiing and leisure quad biking, as well as less restrictions on certain automatically included activities like scuba diving.
• Adventure+ Activities Cover: this option includes all activities covered by the Adventure Activities Cover option but includes another 20+ activities for thrill-seekers, such as skydiving and BMX riding for leisure.

For the full list of activities cover by both Adventure Activities Cover and Adventure+ Activities Cover, please read the PDS . If you choose to add either option of cover to your policy, an additional premium will apply.

Note: we don’t cover some especially high-risk activities, such as BASE jumping and running with the bulls – as well as sports activities in a professional capacity – so be sure to read the Product Disclosure Statement carefully.

True travel story: capsized kayak leads to evacuation

An adventurous couple’s NZ holiday came to an abrupt halt after their kayak capsized; in attempting to recover the kayak, one of the travellers cut their foot badly. They reached out to our Emergency Assistance team for help, who arranged for the couple to be evacuated the next morning so the customer could be properly treated by a leading doctor. The couple had to ultimately cancel their plans to hike a glorious part of New Zealand’s North Island, but, fortunately the couple, their evacuation and cancellation claim over $1,000 was covered by us.

Ready to protect your trip from Australia to New Zealand? Get a quote online now.

Known as the winter wonderland for good reason, New Zealand has some of the most epic ski slopes in the world. Whether it's conquering Mt Ruapehu on the North Island or flying down the slopes of The Remarkables on the South Island, New Zealand has snow experiences to suit any level.

If you plan on hitting the slopes, we offer additional Snow Sports Cover to help protect you on the mountains, which can be added to your trip as an additional premium. This coverage option will provide cover for accidents or injuries that are sustained when on-piste skiing, snowboarding, cross-country skiing or snowmobiling, helping you avoid any unnecessary medical bills.

If you’re someone who likes to go off-piste, you’ll want to consider our Snow Sports+ Cover, which includes all the activities on the base level snow cover, plus snow skiing or snowboarding off-piste and heli-skiing/boarding.

For full terms and conditions on both options to vary your cover – Snow Sports Cover and Snow Sports+ Cover – read the PDS and our dedicated winter sports page.

True travel story: snowboarding stack leads to fractured wrist

One unlucky Australian traveller fell while snowboarding on the slopes of NZ’s The Remarkables, hurting their arm as a result. The avid snowboarder quickly realised something was extremely wrong with their wrist, which now looked deformed. Paramedics applied a splint on the scene and transferred the injured traveller to Queenstown where X-rays identified a fractured wrist, and a cast was required to treat the winter sports injury. The customer was left with bills totalling over $600; however, our Cover-More team was able to take care of this thanks to the traveller’s smart decision to take out a travel insurance plan with Snow Sports Cover before travelling from Australia to New Zealand for their snow trip.

Want to know more about our Snow Sports Cover? Read this .

New policyholders now receive extended travel insurance cover for common scenarios relating to COVID-19 when travelling from Australia to New Zealand, including overseas medical costs*~, amendment or cancellation costs*^, and additional expenses*^ cover.

To learn more about our COVID-19 cover – and understand how we can help you protect your travels during the COVID-19 pandemic – we recommend reading our coronavirus travel insurance benefits page .

Important:  our COVID-19 benefits do not provide cover for claims related to government border closures or lockdowns.

*Limits, sub-limits, conditions, and exclusions apply. For full details on exactly what’s covered, please read our Product Disclosure Statement (PDS) document.    ~Medical cover will not exceed 12 months from onset.    ^A special excess will apply if you are diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel. The special excess applies in addition to any other excess. You cannot remove this special excess.     

One of the best ways to discover dramatic New Zealand is on a cruise. The country's remote coastlines and deep fjords are often best seen from the deck of a boat.

If you’re cruising trans-Tasman from Australia or starting a cruise after arriving in New Zealand, you should consider protecting your trip with travel insurance.

Many people are unaware that even when departing Australia, most medical expenses onboard cruises will not be covered by Medicare – so consider your cruise ship effectively a country of its own.

If you are cruising for two or more nights and buying a Cover-More policy to protect your trip, you will need to answer “Yes” to travelling on a cruise to have Cruise Cover applied to your policy for an additional premium. (This is not required for river cruises.) If you don’t, you will not be protected for any cancellation costs if you need to cancel your cruise or for the duration of your cruise.

Our Cruise Cover doesn’t only help protect you from unexpected and costly onboard medical costs and emergency evacuations – it includes cover for sea sickness, cabin confinement, and more.

For more information on covering your cruise in New Zealand with Cover-More, visit our Cruise Cover and Cruise Cover FAQs pages, or call us on 1300 72 88 22 to speak to a member of our team.

True travel stories: don’t rock the boat – or it might cost big

Flying across your cabin isn’t exactly the idyllic experience one expects when heading off on an exotic cruise, right? Well, one unfortunate traveller experienced this situation, which left them with more than $10,000 worth of medical expenses. When stormy seas and a freak wave hit this traveller’s cruise ship in the middle of the night, they were propelled backwards, hitting their neck and head at a high velocity. After a consultation with the onboard doctor who assessed their condition, our Cover-More team arranged for the traveller to be airlifted from the ship to a hospital on New Zealand’s South Island where a fractured neck was diagnosed. Once hospital treatment concluded and the patient was stable, our team arranged flights back to Australia. Thankfully, having Cruise Cover on their insurance policy, the expenses involved with travel cancellations and emergency evacuation were one thing this injured traveller didn’t have to worry about.

How can Cover-More travel insurance assist me in an emergency?

Emergencies can happen and it’s important you have the right support and assistance available when they do.

When you purchase a policy with us, you have access to our 24/7 in-house Emergency Medical and Travel Assistance , who are there to help when you need it most.

Known for flooding, earthquakes, and wild weather, New Zealand can be prone to natural disasters. If a rare event does occur, our Emergency Assistance team is never far away, no matter the time of day or night.

You can find out all the types of emergency support we offer and which contact numbers to use for our emergency assistance teams here .

What better way to see the vibrant, picture-perfect landscape of New Zealand than behind the wheel of a car or van? Heading off on a road trip is one of the more popular ways of exploring New Zealand, and with our International Comprehensive+ and Comprehensive Travel Insurance Plans, you’ll have up to $10,000 or $5,000 of rental vehicle insurance excess cover respectively.

If you choose our International Comprehensive+ Plan, we also provide rental vehicle comprehensive cover, which has a $10,000 benefit for the rental vehicle insurance excess and provides cover for misfuelling, lockout, cancellation of rental agreement fees, and more.

You can learn more about our rental vehicle benefits for driving holidays here .

4 helpful tips for Australians driving in New Zealand:

• Make sure your driver licence is valid in Australia as well as New Zealand before you leave    
• Snow and icy roads are a hazard; make sure you check the weather conditions and drive accordingly – take it slow.    
• We know you want to explore all the beauty New Zealand has to offer, but it’s important to stop and take breaks when heading off on a lengthy road trip.    
• Physical access to New Zealand’s ski resorts can be a difficult task because of the narrow and windy roads, so take extra caution when driving. Alternatively, most resorts offer a shuttle bus for those wanting a stress-free ride.

True travel stories: stray stones create more than just headaches

One of our Australian customers was grateful for their rental car vehicle excess cover when a flying stone from a passing truck smashed into the windscreen of their vehicle while travelling along a New Zealand road. The next day, a crack began to appear and grow, so the badly damaged windscreen had to be replaced. Fortunately for the customer, their Cover-More Travel Insurance policy saved them over $1,300 in excess costs.

Want more New Zealand travel advice?

Every country around the world is different, and sometimes it can be a little daunting heading into the unknown. Although we’re friendly neighbours to New Zealand, it’s important that you always have an understanding of where you’re heading.

To help you out, we’ve put together a list of travel tips to read before travelling from Australia to New Zealand, which includes the best places to visit in New Zealand, what the weather is like, which currency to use, and even how the country’s Wi-Fi stacks up.

Looking for more travel insurance information? Visit our frequently asked questions page.

Ready to book your dream escape to New Zealand?

Discover our best travel insurance plan for your New Zealand trip today.

Material on this website is provided for informational purposes only. It is general information and discussion about medicine, health and related subjects may not apply to you as an individual and is not a substitute for your own doctor’s medical care or advice. The words and other content provided on this website, and in any linked materials, are not intended and should not be construed as medical advice. If the reader or any other person has a medical concern, they should consult with an appropriately licensed physician or other health care worker. Nothing contained on the website is intended to establish a physician-patient relationship, to replace the services of a trained physician or health care professional, or otherwise to be a substitute for professional medical advice, diagnosis, or treatment. The views and opinions expressed on this website have no relation to those of any academic, hospital, practice or other institution with which the authors are affiliated. They do not necessarily reflect the opinions of Cover-More Insurance Services Pty Ltd. Never disregard medical advice or delay seeking medical care because of something you have read on or accessed through this website. If you think you may have a medical emergency, call your doctor or emergency services immediately.

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Compare Our Best Travel Insurance Plans

Are you heading off on a long-awaited break? Before you jet off, it’s important to consider protecting your trip with the right travel insurance for your needs.

You can compare our Cover-More travel insurance plans below to find the one that best fits your holiday, planned activities, and budget.

Compare International Plans

Compare Domestic Plans

We offer travel insurance plans for New Zealand residents looking for comprehensive or basic cover, as well as a Cover-More annual travel insurance plan.

Want to speak to someone? You can call our customer service team on (0800) 500 225 to discuss if our travel insurance plans. Otherwise, all purchased Cover-More travel insurance policies come with our 21-day cooling-off period**.

International travel insurance plans for New Zealand residents

Compare our plans below to find the most suitable plan for your overseas trip:

• International Basic : This plan is designed for travellers heading off overseas who want cover that helps protect against the essentials only. Only Single Trip policies are available on this plan.  
• International Comprehensive : This travel insurance plan provides the benefits travellers want and much more, helping to keep you – and your belongings – safe while you’re overseas. This plan is available on both Single and Annual Multi-Trip policies.  
• International Comprehensive+ : This is our best travel insurance plan for travellers looking for Cover-More’s most comprehensive international cover. It contains all our key benefits and highest coverage amounts for those travelling abroad. Both Single and Annual Multi-Trip policies are available on this plan.

Compare our International Cover-More Travel Insurance Plans

For full details on all the benefits and benefit amounts included in our international travel insurance plans, see the Policy Wording . It includes the terms and conditions, sub-limits and exclusions that you should consider before you purchase.

Are you an overseas resident looking for an inbound travel insurance plan for a trip to New Zealand? Our Inbound Plan may be suitable for you.

Want us to safeguard your overseas trip?

Find out how we can help keep you travelling more safely today.

Domestic travel insurance plans for travel within New Zealand

Compare our plans to discover which one is best for you while you explore your home country:

• Domestic Basic: This plan is our basic travel insurance option for local budget-conscious travellers who only want our Cover-More team to provide cover for the absolute essentials. This base-level cover option is available on Single Trip policies only.    
• Domestic Comprehensive: This quality travel insurance plan provides local travellers with all the essential benefits plus a lot more, which can help provide much-needed assistance should an unexpected incident occur. Travellers can purchase this plan on a Single Trip or Annual Multi-Trip policy.    
• Domestic Comprehensive+: This is our most comprehensive travel insurance plan for domestic travellers who want the top level of cover for their trip in New Zealand. This plan can be bought as either a Single Trip policy or an Annual Multi-Trip policy.

For full details on our domestic travel insurance plans – including the terms and conditions, sub-limits and exclusions – see the Policy Wording before you consider purchasing one of our Cover-More travel insurance policies.

Want us to cover your domestic trip?

Compare our plans to find the best travel insurance policy for you.

* Sub-limits apply. Please refer to the Policy Wording for full policy conditions.    ** Cooling-off period is available if you cancel your policy within 21 days provided you have not made a claim or departed on your journey.    ~ Cover will not exceed 12 months from onset of the illness, condition, or injury.    ^ Cover chosen applies per policy.    ^^ Conditions apply if you are aware of the pregnancy at the relevant time. For a single trip policy, relevant time means the time of issue of the policy and for an annual multi-trip policy for the first trip it means the time the policy was purchased. For any subsequent trips, the relevant time is the time the first payment was made towards that trip.    † Liability collectively for Loss of Income, Disability and Accidental Death is $45,000 on the Comprehensive+ Plan and $30,000 on the Comprehensive Plan.    • Item limit applies for any one item, set or pair of items including attached and unattached accessories. You may increase these items limits if you wish. See Policy Wording for full details.

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Travel insurance for New Zealand during COVID-19

The trans-tasman bubble is open, so what does travel insurance cover when travelling to new zealand.

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After more than a year, Australia’s borders have opened for a travel bubble with New Zealand.  And some travel insurers offer limited cover if your travel plans get interrupted by COVID-19.

But these international travel insurance policies only cover you for travel to New Zealand while a government travel ban still prevents you from travelling anywhere else without an exemption.

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Do you need travel insurance for New Zealand?

Will travel insurance provide cover for covid-19 in new zealand, will travel insurance cover skiing in new zealand, checklist for your new zealand holiday.

Travel insurance is essential for Australians travelling to New Zealand. Buy your insurance at the same time as you book your trip, that way you'll be covered if you have to cancel for some reason before you go. 

Medical costs in New Zealand

New Zealand and Australia have a reciprocal healthcare agreement, meaning that Australian travellers can access New Zealand's public health service in an emergency, and vice versa. 

You'll still have to pay some fees for treatment and medication and it's important to remember the agreement isn't a replacement for travel insurance. 

Remember to take your Medicare card with you

For example, reciprocal health care does not cover you for free or subsidised care by a GP or ambulance, and if you get seriously ill, medical repatriation is very expensive and only covered by travel insurance.

Remember to take your Medicare card with you – you'll need it, along with your passport, to prove that you're eligible.

Accident cover in New Zealand

In New Zealand, accident victims cannot sue a third party for compensation. Instead, the Accident Compensation Commission (ACC) covers the cost of medical care within New Zealand.

This means it's essential that visitors to New Zealand are covered by travel insurance for repatriation, loss of income and disruptions to travel plans as you won't be compensated for those even if the other person was 100% at fault. 

Note: Because of the ACC fund, CTP car insurance is not compulsory in New Zealand, as it is in Australia. However, it's still recommended and travel insurance can reduce the excess on the insurance your car hire company offers you.

Earthquake cover in New Zealand

New Zealand sometimes experiences severe seismic activity. The 2011 Christchurch earthquake claimed 185 lives and levelled much of the city centre. 

Safety campaigns in New Zealand advise you to 'drop, cover and hold' – drop to the ground, take cover and hold on – in the event of an earthquake. See getready.govt.nz for more specific advice.

And read your travel insurance product disclosure statement (PDS) to see if you're covered for medical and cancellation for natural disasters

Some travel insurers, for example, Qantas (NIB), Virgin (Cover-More) or Medibank (Zurich), now offer travel insurance policies with limited cover against COVID-19. But they don't cover you if there's a general government travel ban, quarantine or border closure. 

They normally provide cover for medical expenses should you contract COVID-19 and may cover travel delays or cancellations if you, your travelling partner, or a close relative contract COVID-19 before or during your travel.

You may also be covered if your accommodation, such as a ski resort, closes because of a COVID-19 outbreak or you have to go into quarantine because you were a close contact of someone who contracted COVID-19.

There are also other exclusions, especially for cruises and pre-existing conditions, so you need to read the insurer's PDS carefully to check what you're covered for.

Things can change quickly, flights can get cancelled and places can go into lockdown if an outbreak happens. You need to be prepared for your travel plans to be interrupted at short notice.

As travel insurance won't protect you from government border closures or general lockdowns, the key is to book with providers that allow flexibility should things change.

• Check the rules for travelling to New Zealand .
• Consider going to just one or a few places at a time rather than travelling around.
• Read the terms and conditions before you book.
• Book flexible tickets for flights. Read more about COVID-19 refunds from airlines .
• Make sure your hotel booking can be cancelled or changed.
• If you book through a travel agent or booking site, make sure they don't charge an extra cancellation fee. Read more about travel agent cancellations for COVID-19 . 
• Consider booking at the last minute so you're up to date with the latest travel restrictions.
• Pay by credit card, as this allows you to pursue a chargeback if something goes wrong.
• Keep on top of the latest travel advice for New Zealand .

Many insurers will cover you for standard skiing and snowboarding, but some offer it as an optional extra and some have special conditions.

Before getting insurance for a ski holiday, make sure it will cover you for your specific skiing or snowboarding destination, as well as for the activities you intend to do.

For example, off-piste (backcountry) skiing or snowboarding is often not covered, and when it is covered, it's usually only if you're still within the resort boundaries or skiing with a guide. 

The same goes for riding on a snowmobile, which tends to be an optional cover – check directly with insurers as some may only cover riding a snowmobile if you're using it as a mode of transport rather than recreationally.

• If you're planning on skiing, bungee jumping or doing anything else potentially bone-breaking, make sure your insurance covers it. You'll often need to purchase extra cover.
• Check if your passport is still valid, and if not, renew your passport online .
• Take your Medicare card with you.
• Keep a printout of your travel insurance details with you at all times while on your trip. It's also a good idea to share your insurance details with family or friends before you leave.

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