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

Nz pocket guide is 10 years old. thank you for trusting us with your trip for over a decade, what to look for when you choose travel insurance for new zealand + the best nz travel insurance for visitors.

Probably the least fun aspect of planning a trip to New Zealand is choosing travel insurance. Although it is not a mandatory requirement for visitors to New Zealand to have travel health insurance, some of us might appreciate the extra cover should the worst happen. To make the process of choosing a travel insurance policy much easier, we have put together a guide on how to choose travel insurance for New Zealand. We’ve also given you a cheeky little mention of a New Zealand travel insurance we like toward the end of this guide.

Choosing travel insurance for New Zealand is not as easy as simply picking the cheapest policy. Travel insurance policies include a wide range of coverage with different amounts that the insurance company is expected to pay when things go wrong, as well as what you will have to pay for yourself. If you are going to spend a significant amount of money on travel insurance for New Zealand, you will want a travel insurance policy that will help you when you need it the most.

7 Reasons to Get Health and Travel Insurance for New Zealand

While many see insurance as just an extra non-essential cost, here are some reasons why you actually might want to consider travel insurance as a visitor to New Zealand.

• Serious medical treatment or evacuation is extremely expensive
• Missing your flight is not that uncommon
• Losing your passport, wallet and other belongings can happen
• The airline could lose your luggage
• Accidents happen ; you may need emergency assistance
• Insurance is mandatory for those on a Working Holiday or Student Visa
• Adding personal items to your travel insurance is cheaper than getting separate insurance.

Now, let’s get onto how to choose the best travel insurance for New Zealand.

Does New Zealand Require Travel Insurance?

No, New Zealand does not require travel insurance from travellers visiting the country. However, for the reasons listed above, such as to cover the expenses of medical services, baggage loss, flight delays and more, some travellers make the personal choice to get travel insurance for their time in New Zealand.

A Note on New Zealand’s Universal Accident Cover, ACC

It’s important to note that New Zealand has a universal cover for injuries caused by accidents in New Zealand, called ACC . This cover applies to visitors too and contributes toward the cost of medical treatment for a range of injuries listed on the ACC website .

Note that ACC doesn’t cover illnesses, emergency travel plans to get you home, injuries while in transit to New Zealand or injuries on the craft you arrived in, such as on a cruise ship. Therefore, you will need to get travel insurance if you want any of those aspects covered.

Learn more about ACC in our complete guide, What is ACC and Employee Accident Cover?

Insurance for Working Holidays and International Students

Travelling to New Zealand on a working holiday or as an international student instead? It is mandatory to have health insurance to cover your whole time in New Zealand, so take a look at  New Zealand Working Holiday & Student Insurance: FULL Guide for a guide curated especially for you guys.

How Much Does Healthcare Cost in New Zealand?

One determining factor for deciding whether to purchase travel insurance for New Zealand or not is the cost of healthcare in New Zealand. If you were to get ill, how much would it cost you? Admittedly, the fees for doctor’s consultations in New Zealand are higher for visitors than they are for residents but many visitors still wouldn’t consider it too expensive compared to their home country. Check out typical medical expenses in How to Pay for Healthcare Services in New Zealand .

8 Things to Compare in Between New Zealand Travel Insurance Policies

1. find out where the travel insurance companies are based.

First thing’s first, where are the travel insurance companies that you are comparing based?

If you have been using an insurance company from your home country for a long time and they have provided excellent service in the past, then you may feel safer going with what you know.

On the other hand, having a travel insurance company based in New Zealand is likely to be a lot more helpful in desperate situations than back in your home country. If an insurance company is based in New Zealand, you know they are more specialised in dealing with emergencies that may occur in New Zealand, as well as the customs when it comes to medical and local travel situations.

2. Compare the Excess Costs

“Excess” is the amount of money you will have to contribute toward the cost of an insurance claim. For example, if your hospital bill is NZ$5,000 and you have an excess of NZ$1,000 then you will have to pay NZ$1,000 for your hospital bill and the insurance company will pay NZ$4,000.

The amount of excess you have to pay can range widely between insurance policies. Generally, the cheaper the policy, the more excess you would have to pay. When choosing travel insurance for New Zealand, you need to be comfortable with the excess you might have to pay. If you can’t afford the excess, then there is no point in choosing that travel insurance policy.

Note : As mentioned above, accidents in New Zealand are often covered by New Zealand’s universal cover, the ACC. To find out more, check out What is ACC and Employee Accident Cover?

3. What is Covered in a Travel Insurance Policy for New Zealand?

Travel insurance for New Zealand is meant to help you in an array of sticky situations that could occur while abroad. The most comprehensive travel insurance policies for New Zealand should include the majority of the following:

• Medical and hospital expenses
• Cancellation cover (if you need to cancel flights, accommodation, etc. due to unforeseen circumstances)
• Luggage and personal items
• Travel delay expenses
• Family emergency (covers the expenses of travelling home in case a family member gets seriously ill, injured or dies)
• Personal liability (protects you from being legally liable for injuring other people or property).

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

4. What Do the Policies Exclude?

Some things that you think are covered might not be or there may be some conditions which can mean an item is not covered. Check what things are not covered in an insurance policy.

Most commonly, extreme activities and sports are not covered by insurance companies, or come at an extra cost, because they have a higher element of risk associated with them. Considering New Zealand is a country of adventure and adrenaline activities , this may be something you want to look into.

5. What Options are There for Pre-Existing Conditions?

If you have a pre-existing condition, chances are, you need travel insurance the most. However, many travel insurance companies do not cover pre-existing conditions. Check out how they define a “pre-existing condition” to see if it applies to you.

If you do have a pre-existing condition, being covered is likely to come at an extra cost. However, you will still be covered for any illnesses and injuries not related to your pre-existing condition.

It’s also worth mentioning that some insurance policies exclude certain diseases, situations or medical procedures, so check this out too to see if it is likely to apply to you.

6. Compare How Travel Insurance Companies Handle Claims

Before you buy travel insurance, it’s a good idea to understand how you would make a claim if you needed to. Remember, you are likely to need the help of your insurance company in a stressful situation, so having an easy insurance claim process is critical. You need to be able to contact your insurance company 24/7 in multiple ways, just in case you have no internet connection, (which can definitely happen in New Zealand ).

Read reviews of anyone who has had to make a claim with your chosen insurance companies before to see how their experience was.

7. How Long Does Your Insurance Policy Cover You For?

Knowing that most people visit New Zealand for at least a couple of weeks (usually more), you will want to make sure that your travel insurance covers you for the whole time. Ideally, you want travel insurance that covers you while you are travelling to and from New Zealand too. If you’re visiting New Zealand as part of a bigger trip, consider travel insurance that covers the other countries you are visiting too.

For those staying in New Zealand for a few months, perhaps on a working holiday or as a student, check out  New Zealand Working Holiday & Student Insurance: FULL Guide for information about longer insurance policies.

8. Check the Underwriting Company

If you want to be super safe, then check who is the company that has provided the underwriter services to the travel insurance company and if they are licensed. The insurance underwriters decide how much coverage a client should get, for example.

Many travel insurance companies use the same underwriters so that’s why many policies are so similar in the amount of excess and cover they will give you. Try comparing travel insurance companies with different underwriters to see more of a difference in cover options and prices.

What’s the Best Travel Insurance for New Zealand?

Due to many of the reasons we have covered above and because we like to support local businesses, we recommend you check out Orbit Protect . They offer insurance plans that actually meet the requirements specified in the guide above. Plus, they have some of the best-value prices on the market, especially for what they offer.

The Best New Zealand Travel Insurance for Visitors

New Zealand travel insurance for visitors that we have used and can vouch for, Orbit Protect ‘s Experience NZ Insurance is a good go-to for making sure you (and your family, if applicable) are covered for the whole time you’re in New Zealand, as well as for up to 31 days if you’re travelling in the South-West Pacific to places like Australia , Fiji and New Caledonia .

Their visitor’s travel insurance covers the essentials, such as medical care, medical evacuation and property cover, as well as the option to add a cover assessment for pre-existing medical conditions and work cover (if you’re on a work visa). What’s more, you can choose periods of cover from eight days to 12 months, so no trip is too long or short!

Orbit Protect also has insurance plans, specially designed for working holidays, international students, seasonal workers and more, so go and check them out at orbitprotect.com .

More About Travel Insurance for New Zealand

That’s it for our guide to travel insurance for New Zealand. We also recommend you have a look at our other articles for more advice on choosing travel insurance for New Zealand:

• 14 Questions to Ask Before Buying Travel Health Insurance

How to Get a Medical Prescription in New Zealand

• Things to Know Before Seeing a Doctor in New Zealand

The Easy Way to See a Doctor for Tourists Travelling in New Zealand

Finally, you might also want to look at How to Pay for Healthcare Services in New Zealand .

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

• Tourism New Zealand (General travel advice - Updated [2024])
• Immigration New Zealand (Visa and immigration advice - Updated [2024])
• New Zealand Customs Service (Customs and Biosecurity - Updated [2024])
• New Zealand Traveller Declaration (NZTD online platform - Updated [2024])
• Tiaki Promise (Care for people place and culture - Updated [2024])
• Safe Travel (NZ travel advisories - Updated [2024])
• Stats NZ (Statistics and travel data - Updated [2024])
• Waka Kotahi NZ Transport Agency (Road and transport tips - Updated [2024])
• DriveSafe (Road safety - Updated [2024])
• Council websites and freedom camping maps (Local travel advice region by region - Updated [2024])
• AdventureSmart (Know before you go - Update [2024])

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

About The Author

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

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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.

Fact-checked

Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE .

Stock images:  Getty, unless otherwise stated.

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.

On this page:

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.

Join the conversation

To share your thoughts or ask a question, visit the CHOICE Community forum.

• Travel Insurance Compare Our Plans Popular Benefits COVID-19 Benefits International Plans Domestic Plans Comprehensive Insurance Annual Multi-Trip Inbound Plan Cruise Ski & Snowboard Motorcycle & Moped Adventure Activities Seniors Medical Conditions
• Emergency Assistance
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• travel_explore Not sure? See region list.

Where are you going?

Enter the destination(s) you plan to visit or select them from the list of countries and regions in the dropdown.

Planning a stopover? If you’re in a country for less than 72 hours, you do not need to list it as a destination.

Don’t currently know all the countries you’ll be visiting? You can select a region to obtain cover for all countries within that region, or you can select “Anywhere in the world”. Important: If selecting “Anywhere in the world”, your policy will not provide cover for claims arising in countries that are subject to sanctions. Your safety is paramount, so please read and familiarise yourself with the “ Standing Travel Alert for High Risk and Sanctioned Countries ” when undertaking worldwide travel – and before making any side trips to neighbouring countries – to ensure you have adequate cover.

Going on a cruise? If your cruise is in inland Australia (e.g. on the Murray River) or in Australian coastal water (e.g. the Kimberley), enter or select “Australia”. If your cruise embarks and disembarks from Australia ports only without any stopover at a port outside of Australia (e.g. a “Sampler Cruise” or cruise from Sydney to Brisbane), enter or select “Domestic Cruise”. If your cruise is overseas (e.g. a European river cruise, a Caribbean cruise, or a cruise from Sydney to Hong Kong), enter or select the country or region you will spend the most time in during your trip.

Want to come to Australia on our Inbound Plan? Select “Australia Inbound”.

When do you depart?

Enter the date you will leave your home to start your trip.

When do you return?

Enter the date you will arrive home based on AEST (considering any time differences/zones and travel times).

Duration of each trip?

Select the maximum trip duration that best suits your needs.

The maximum trip duration you select will apply to each separate trip you take during the 12-month period of your policy.

For cover to apply, you cannot take trips that exceed this maximum duration. If you make a claim related to a trip that exceeds this maximum duration, it may be declined.

The maximum trip duration you select will be shown on your Certificate of Insurance.

Age of each traveller?

Enter the age (as of today) of each adult and child to be included on the policy.

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.    ^^ 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 it means the first time at which any part of the relevant trip is paid for or the time at which the policy is issued, whichever occurs last.    † 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 $5,000 of rental vehicle insurance excess cover.

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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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.

Travel insurance for New Zealand

Compare New Zealand Travel Insurance | Reciprocal Health Agreements | What's covered | What's not | How to save | FAQs

Kia Ora! Welcome to New Zealand, a country famous for its stunning, virtually untouched landscapes! With its natural beauty, diverse culture and supercharged adventure hot spots, it’s no wonder New Zealand is by far and large the No.1 destination for outbound Aussies!

Are you keen for a Kiwi getaway? Bet you can’t wait to explore the craggy coastlines of South Island or sip lattes in the hip capital of Wellington. Perhaps you’re hanging out for a heart-stopping bungee jump in Queenstown or a glacial adventure on the West Coast? Whether you’re an active adventurer, a wildlife enthusiast or a wine ‘n dine, type traveller, there’s something for just about every type of tourist in New Zealand!

Travel often means stepping out of your comfort zone, even in a country as neighbourly as New Zealand. And with new experiences comes the possibility of new, foreign problems.

Even when you’re just a few hours flight away from home a lot can go wrong. Flight delays, missed connections and lost luggage can muck up your trip faster than a slippery black run!

Don’t let bad luck sour your experience - make sure you pack travel insurance along for the ride.

Compare travel insurance for New Zealand  

When searching for cover, it's a good idea to compare a few different companies to see which policy gives you the best bang for your buck! The below table shows the top cover levels of a few insurers in the market to give you an idea of what is available. To get a New Zealand quote specific to your trip, use the quote box at the top of the page.

**Please note, the table above shows the listed insurer's most comprehensive policy - international trips only ** The information provided is of a general nature only and does not take into account any particular personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal objectives, needs and circumstances.  Cover levels could change at any time.  

How much does travel insurance for New Zealand cost?

It's a fact that the cost of travel insurance can vary enormously. A 30-year-old travelling to New Zealand for a two-week holiday can expect to pay anywhere between $25 - $150 depending on the level of cover purchased. Generally speaking, Basic (also known as medical-only policies) range from $25 – $50, Mid-level policies approx $40 – $100 and Comprehensive from $50 - $150.

Reciprocal healthcare  benefits

Lucky for us Aussies, New Zealand and Australia share reciprocal healthcare agreements. That means you have access to government medical facilities and care. Travellers to New Zealand who are injured in an accident are also covered for hospital treatment by the Accident Compensation Corporation (ACC). The Accident Compensation Corporation (ACC) provides compulsory insurance cover for personal injury for everyone in New Zealand, whether a citizen, resident or visitor. This means if you are injured by an accident in New Zealand, ACC may pay some of your medical and rehabilitation costs. No-fault cover means it doesn't matter what you were doing when you were injured or who was at fault. The ACCC cover you, as long as the injury falls within their legislation.  Take note that these agreements do not provide ongoing treatment of existing health conditions and charges may still apply for visits to GPs and specialists, prescription medications and diagnostic tests.

WHAT DOES new zealand  TRAVEL INSURANCE COVER?

24/7 Medical assistance

As an adventure sports hub, New Zealand sees its fair share of nasty injuries. Whilst you may be eligible for reciprocal health care in New Zealand, this would not cover any additional accommodation costs, flights for family members or medical repatriation to Australia. Travel insurance can help to cover these costs should the worst-case scenario occur.

Cancellation cover

Travel insurance will cover unforeseen cancellations for events such as natural disasters, as well as accidents, hijackings, severe sickness or injury. Travel insurance will cover the costs of medical attention as well as the reasonable additional expenses caused by the rescheduling of travel plans.

Lost or damaged Luggage

Has a lone sheep just chewed up your camera? Your travel insurance policy will reimburse you for lost, stolen or damaged luggage. Comprehensive cover also includes cover for theft of cash and travel documents too.

Travel delays

If your flight is delayed or you have to cancel your trip you may get reimbursed by your travel insurance provider. Generally, your flight has to be delayed by over 24 hours for you to receive travel delay reimbursement. Although it is the airline's responsibility to get you on the next flight if the delay is through a fault of their own.

Family emergency

It's always a worry going on holiday leaving loved ones behind. Never fear, should a close relative, or the person you’re travelling with become seriously ill, injured or heaven-forbid die, your travel expenses would be claimable. Restrictions can apply for relatives age, medical conditions and where they live. 

Personal liability

If you injure someone or are held accountable for damaged property in New Zealand (like crashing your hire car into a parked car for example) the consequences would be less than stellar. In such an event, your policy will cover your liability costs to a degree.

what it doesn't...

How to  save on new zealand travel insurance.

New Zealand  facts

Found yourself in a spot of bother? The following emergency contacts should come in handy. Australian High Commission 72-76 Hobson Street Thorndon Wellington, New Zealand Telephone: (64-4) 473 6411 Australian Consulate-General   Level 7, Price Waterhouse Coopers Tower 186-194 Quay Street Auckland City, New Zealand Telephone: (649) 921 8800 i-SITE New Zealand Visitor Information Network 22/157 Lambton Quay Wellington, New Zealand Telephone: (64-4) 462 8000

•  Country calling code : +64 •  Capital : Wellington •  Currency : NZD (New Zealand Dollars) •  Language : New Zealand’s main language is English but Maori is spoken as well. Amazingly, In April 2006, New Zealand became the first country to declare sign language as an official language, alongside Maori and English. •  Nature : From jaw-dropping glaciers to soaring mountains and crystal clear fiords – New Zealand has no end of gorgeous landscapes. And don’t think you can get around to see all of it; even born and bred Kiwis have yet to see or do it all either. • Wildlife : Wildlife fanatics can’t pass up a trip to NZ; it’s literally inundated with feathers, fur and fins. In fact, only 5% of New Zealand’s population is human- the rest are animals. •  Food & drink : Famous for its fresh and plentiful produce, there's no shortage of great tucker in NZ! New Zealand’s restaurant scene has also come a long way in recent years, with a focus on classic Pacific and Asian flavours and ingredients. For an iconic Kiwi experience, you can’t go past a greasy, newspaper wrapped fish-and-chips or classic meat pie. Burger addicts can’t miss Queenstown’s Fergburger after a day on the slopes. •  Also known as : “Aotearoa” is the Maori name for New Zealand and translates to "land of the long white cloud.” •  Tongue twister : New Zealand is home to the world’s longest place name. Get ready for it; this one’s a mouthful! Taumatawhakatangihangakoauauotamateapokaiwhenuakitanatahu, is situated in Hawkes Bay. It roughly translates to: “The summit where Tamatea, the man with the big knees, the climber of mountains, the land-swallower who travelled about, played his nose flute to his loved one”. Phew!  

Ready to find your perfect New Zealand travel insurance policy?

Stuff going wrong on holiday shouldn’t be your foremost concern. After all you’ve got slopes to ski and mountains to scale. But no matter how big your appetite for adventure, without safeguarding your travels, your entire trip could go belly up! Compare NZ travel insurance policies to save time, worry and loads of money. You’ll be on your way to a fun, worry-free holiday quicker than you can say “Kia Ora”!

New Zealand TRAVEL INSURANCE Faq'S

How much does travel insurance to new zealand cost.

It will largely depend on your age and how long you're going for. Comprehensive Travel Insurance to New Zealand for 7 days for a 30 year old can cost as little at $20.

Am I covered if my trip is disrupted by a terror attack?

Most travel insurance policies will cover you if you are injured in a terror attack on your holiday. But wishing to cancel your trip because you are worried about an act of war are generally not. Learn more about travel insurance and terrorism here.

Am I covered for a volcanic eruption?

Most Comprehensive Travel Insurance policies in New Zealand cover natural disasters like volcanic eruptions if cover was purchased prior to the event being known about in the mass media. Learn more about natural disasters and your cover here.

Am I covered for an earthquake?

Comprehensive Travel Insurance will cover earthquakes, volcanic eruptions, and other natural disasters that affect your holiday. Your trip would have to be directly affected in order for you to be eligible to make a claim.

Am I covered for bungee jumping?

Generally speaking, most insurers cover bungee jumping, but you may need to purchase an adventure pack in order to be covered. See which insurers cover bungee jumping here.

Am I covered for off piste skiing?

Not all insurers cover you when skiing or snowboarding outside of your ski resort boundaries. You also may need to be with a licensed instructor. See more information in our off piste guide.

Natalie Smith

Having travelled to over 40 countries, studied tourism management and worked as a flight attendant for over three years, Natalie knows more than a thing or two about travel! She’s an adventure-lover, whose favourite trips have been trekking Machu Picchu and volunteering in an animal shelter in the Amazon. Qualified in Tier 2 General Insurance General Advice and specialising in travel insurance for the last five years, she in passionate about helping travellers get the most out of their holiday.

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Uk travel insurance 

Taking your gap year? If you’re pining for all things Pommy you’re not alone. Over 500,000 of us Aussies are drawn there each year!

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Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

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• Travel Insurance

Canstar’s Best Value Travel Insurance NZ

Posted by Bruce Pitchers November 21, 2023

Holidays promise carefree relaxation away from work pressures and domestic chores. However, plenty of unforeseen events can ruin the best-laid vacation plans, from illness and accidents to the loss or theft of possessions.

If the worst does happen, a dream holiday can turn into a financial nightmare, especially if you’re left facing bills for medical treatments overseas or for life-saving repatriation. This is why ensuring you have adequate insurance cover before you jet off or sail away on your overseas adventure is a travel essential.

But trying to find the best insurance cover can be complicated. There’s no one-size-fits-all solution, as policy details and costs vary, depending on your age and choice of destination. And comparing different levels of cover and costs can be complicated.

But that’s where Canstar can help. As part of our mission to inform Kiwi consumers about the best financial products in the market, each year we analyse a wide range of travel insurance products and award the best providers our prestigious awards and Star Ratings for Outstanding Value Travel Insurance.

What are Canstar’s Travel Insurance Awards & Star Ratings?

Canstar’s Travel Insurance ratings score travel insurance providers and their products, and awards the best our prestigious 5-Star Ratings. Each insurance product is assessed and scored for its price and array of features.

For this year’s Travel Insurance Star Ratings, our expert research panel compared 44 travel insurance products from 18 providers across a range of different age profiles, including seniors. To be eligible for our ratings, each product had to meet certain basic requirements, including cover for:

• $1 million overseas medical and hospital cover per international traveller
• Repatriation and evacuation services
• Luggage and personal effects
• Cancellation fees and loss of deposit

For ease of comparison, the different insurance products are judged across six geographical regions and two cruise types:

• Africa & Middle East
• Tras-Tasman
• Domestic Cruise
• Pacific Cruise

Canstar’s Travel Insurance Awards

On the back of our Star Ratings research, we also award the best travel insurance providers and products our prestigious awards for Outstanding Value.

To be eligible for an Outstanding Value Award, insurance providers have to meet extra policy requirements. These include:

• 24-hour emergency helpline
• Period of cover automatically extends if a medical claim requires traveller to remain overseas for treatment
• $5 million or more family overseas medical and hospital cover
• $5 million or more family cover for repatriation and evacuation services
• Included cover claims arising from cruising holidays in domestic and international waters (cruise only)
• Availability to travellers aged over 70 (senior only)
• Covers cancellation and medical claims arising from COVID-19 related events (domestic cruise only)

Canstar’s Outstanding Value Travel Insurance Award Winners 2023

This year, four providers earn Canstar’s Outstanding Value Travel Insurance Awards, across our four award categories.

Outstanding Value: International Travel Insurance

House of travel, southern cross travel insurance.

Outstanding Value: Trans-Tasman Travel Insurance

Outstanding Value: South Pacific Cruise Travel Insurance

Outstanding Value: Seniors Travel Insurance

This is the second year in a row that AMP has earned an Outstanding Value | Seniors Travel Insurance Award . Our awards panel notes that AMP has achieved its back-to-back awards due to its consistently strong performance across all overseas regions, which is due to its competitive premiums for older travellers and above-average feature scores.

House of Travel once again earns three Outstanding Value Awards, in our International , South Pacific Cruise and  Trans-Tasman travel insurance profiles. The insurer’s performance continues to be driven by its competitive pricings, as well as its high levels of cover.

This year, Southern Cross wins two Outstanding Value Awards,  in our International   and  Seniors   profiles. Our research panel notes that Southern Cross Travel Insurance performs particularly well in senior profiles due to its competitive premiums for older travellers. However, premium increases across the brand’s cruise insurances did see them miss out on our South Pacific Cruise Award this year.

A newcomer to Canstar’s Travel Insurance Awards, Tower joins our Outstanding Value Awards recipients in the International , South Pacific Cruise and Trans-Tasman profiles this year due to its increased price performance and comprehensive policy offerings.

For the second consecutive year, Worldcare is the only travel insurance provider to earn an Outstanding Value Award across all award profiles.

This is due to Worldcare’s consistently competitive prices and strong range of policy features across all regions and age profiles.

In awarding Worldcare, our research panel noted the insurance brand’s exceptionally strong price performance and levels of cover in both the Trans-Tasman and South Pacific Cruise profiles.

To find out more about the best travel insurance in New Zealand, check out Canstar’s full 2023 travel insurance ratings report.

Compare Travel Insurance with Canstar

About the author of this page

This report was written by Canstar’s Editor, Bruce Pitchers. Bruce has three decades’ experience as a journalist and has worked for major media companies in the UK and Australasia, including ACP, Bauer Media Group, Fairfax, Pacific Magazines, News Corp and TVNZ. Prior to Canstar, he worked as a freelancer, including for  The Australian Financial Review , the NZ Financial Markets Authority, and for real estate companies on both sides of the Tasman.

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Visiting New Zealand

Cover while visiting new zealand.

Travel insurance is one of the best ways to protect yourself overseas. Whether you're holidaying, catching up with family or travelling for work, our Visiting New Zealand travel insurance can give you the freedom to enjoy your stay in New Zealand with confidence.

Our Visiting New Zealand travel insurance is designed to provide comprehensive protection during your stay. We offer two cover options; an individual policy and a family policy:

Individual: a policy designed for either:

one person, or

one adult and any dependent children

Family: a policy designed for:

 one adult, their spouse and any dependent children   

Why choose us?

At Southern Cross Travel Insurance, we've been providing great quality cover for people visiting New Zealand since 2003. Who better to protect you during your stay in New Zealand than one of the country's leading and most respected travel insurers? Here are more reasons to choose us for your next trip:

1. We offer 24/7 emergency assistance

If the unexpected happens, we're here to help. Our emergency assistance team is available 24 hours a day, 7 days a week, so you can access help when you need it.

2. We go the extra mile

We’re committed to providing comprehensive cover, which is why our Visiting New Zealand travel insurance policy includes emergency dental treatment and ancillary services like chiropractors and physiotherapy.

3. We offer family cover

Want to add your spouse or children to your policy? No problem - we offer family cover, so long as they meet our eligibility criteria. Our eligibility criteria can be found on page 4 of the Policy Document .

4. We cover children at no extra cost

We know how important it is to protect your children with quality travel insurance, which is why we can add them to your policy at no extra cost.

5. We cover you start to finish

Our Visiting New Zealand travel insurance policy can cover you while you’re travelling to and from New Zealand, including transit stops, for up to five days.

6. We're based in New Zealand

Not only are we based in New Zealand, we’re 100% New Zealand owned. We’ve worked hard to become one of the country’s most respected and knowledgeable travel insurers, and we’re proud to offer great quality comprehensive cover for your visit to our home.

7. We offer cover for medical repatriation

Worst case scenarios are never nice to think about, but you can travel knowing your Visiting New Zealand travel insurance offers cover for medical repatriation.

8. Making a claim is easy

We know that making a claim can be confusing and frustrating, which is why we're committed to making it as stress-free and efficient as possible. If you need to make a claim, simply complete a claim online through our online portal  and we'll guide you through the process, every step of the way.

Need some help?

If you would like to get in touch, we’re here to help. If you have any questions regarding our Visiting New Zealand travel insurance, you can:

Call us from New Zealand: 0800 784 691 Call us from overseas: +64 9 9796597 Email us: [email protected]

Take the next step towards your journey in New Zealand and get an online travel insurance quote today .

What you need to know

This page provides a summary of the key terms only. As with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the travel insurance Policy Document .

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New Zealand travel insurance

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Why do I need travel insurance in New Zealand?

• It can cover you for emergency medical treatment.
• It can cover medical expenses caused by injuries and accidents, unless it's from an excluded activity.
• It can pay for transport to hospital by helicopter or ambulance, as well as medical evacuations back to Australia.
• If you're renting a car in New Zealand, make sure you have car rental excess cover.
• Travelling in a foreign country may put your valuables at risk and travel insurance can cover you for lost or stolen items.
• New Zealand is home to active volcanoes. Travel insurance can cover travel disruptions caused by natural disasters.
• Terrorism is a risk in New Zealand. A few insurers provide cover for medical and hospital expenses caused by an act of terrorism, including the cost of bringing you back home.

Looking for the best travel insurance for New Zealand? Check out our award winners in 2023

Tick travel insurance has ranked first place for customer satisfaction in 2023 .

This survey was conducted by Dynata, where 95% of respondents said they would recommend Tick to a friend, and it scored the highest in the 'value for money' category.

Southern Cross Travel Insurance has taken the top position in the 'Travel insurance - Comprehensive' category for the 2023 Finder Awards . Why? It's got to do with its wide COVID-19 coverage and how it handles cancellations due to unexpected events.

Adding to that, its average pricing was pretty affordable compared to other brands who offer less coverage for a higher price.

Fast Cover is the winner of the 2023 Finder Awards for the 'Travel insurance - Value' category. How? We compared the average prices of 28 international travel insurance policies, and Fast Cover came out on top.

But what does ' value' mean? It means we looked at more than just price. Fast Cover doesn't include everything on its policies, but it offers good value.

InsureandGo has taken the top place for the 'Travel insurance - Domestic' category in the 2023 Finder Awards .

Why? We analysed 23 domestic policies and found that InsureandGo were generous with their benefit limits for things like cancellation and rental car excess insurance.

Southern Cross Travel Insurance is the winner of the 'Travel insurance - Seniors' category in the 2023 Finder Awards . Why? It has higher age limits and generous benefits.

We also appreciated SCTI's easy-to-read product disclosure statement. This means that customers can easily understand their policies, and travel with confidence.

Fast Cover Travel Insurance's COVID-19 Benefits & Refund Policy earned it a place among the finalists in the Insurance Innovation category of this year's Finder Innovation Awards .

It goes further than many other insurers, covering COVID medical expenses and evacuation, up to $5,000 for COVID-related cancellations and additional expenses.

New Zealand travel insurance: Common exclusions

Every travel insurance policy has things you won't be covered for. Common exclusions include:

• If you purchase cover after the incident has occurred. For example, if you take cover out after you've been injured and need medical attention.
• Pre-existing medical conditions. If you have any major medical conditions, make sure you let your insurer know before taking out a policy. Otherwise you won't be covered for claims related to that condition.
• You travel despite government travel advice. For example, if you travel to areas that have a warning from Smartraveller, travel insurance may not cover you.
• Incidents that occur while you're under the influence of drugs or alcohol. For example, if you go out drinking in Auckland, get injured and need medical attention, travel insurance won't cover you.
• Driving vehicles without a licence. Like Australia, you won't be covered for medical costs or personal liability expenses if you drive without a licence in New Zealand.

What add-ons should I look for?

• If you're getting adventurous, a lot of policies will offer adventure packs which can cover you for loads of activities like horse riding, hiking and zip lining.
• New Zealand is a popular destination for snow sports. Whether you're skiing, snowboarding or cross country skiing, you'll often need to add extra cover to your policy.
• If roadtripping is your thing, including car rental excess cover in your travel insurance is a sure way to save money. Some policies even automatically include it.

Will I be covered for COVID-19?

Travel insurance can cover you for COVID-19 in New Zealand. A policy can cover you for the following:

• Rearrangement costs if you catch the virus and need to change your plans. Lots of comprehensive travel insurance policies let you claim up to $5,000 towards these expenses.
• Medical costs due to COVID-19. This can include hospital expenses and RATs if you catch COVID-19 while overseas (but you won't be covered for mandatory PCRs).
• Expenses if you need to isolate. For example, if you catch COVID while you're overseas and need to push back your flight and stay in your accommodation longer.

How do I get cheap travel insurance for New Zealand?

• Medical only or basic policies will generally be the cheaper policies on the market.
• Use exclusive deals or promo codes to get a discount.
• Opt for a higher excess. This will make your policy cheaper but more expensive if you have to claim.
• Compare across a handful of travel insurers – they're not all the same.
• Get the most value by buying your policy early. It means you're covered for longer while paying the same price.

When I travel, I don't want to fork out a lot for travel insurance. I always get something above the bare minimum though which usually only covers medical-only expenses. Flight disruptions and delayed luggage are really common, so look for a cheap policy that covers me for these things.

Gary Ross Hunter Finder's travel insurance senior writer

What do I do in emergencies?

For emergencies: call 111 (police), 111 (ambulance) or 111 (fire).

In a medical emergency, call for help and then contact your insurer on their emergency assistance line.

What are the entry requirements for New Zealand?

You don't need a visa to enter New Zealand if you are an Australian citizen, unless you have a criminal record or if you've been deported from any country.

Australian permanent residents need to apply online for a New Zealand Electronic Travel Authority (NZeTA) to enter New Zealand.

Civil unrest, security risks, threat of terrorist attack and crime are a concern in New Zealand, but you should still be eligible for travel insurance. It won't cover all of these situations but it can help cover medical costs, stolen belongings and much much more.

Why you can trust Finder's travel insurance experts

We're experts

We're independent

We're here to help

Faqs about new zealand, which travel insurance is good for new zealand.

The cheapest policy will usually only cover you for medical expenses. However, flight disruptions and petty crime are fairly common in New Zealand so it may be worth getting comprehensive travel insurance. This can cover you for medical expenses, trip rearrangement costs, theft, luggage delay and more.

Do you need travel insurance to go to New Zealand?

The Australian government's smartraveller site recommends that you take out cover when travelling to New Zealand. If you can't afford travel insurance, you can't afford to travel.

Which travel insurance company has COVID cover for New Zealand?

Lots of travel insurers cover COVID-related expenses now. You can find a full table of the policies that cover COVID expenses on our homepage .

Is it safe to travel to New Zealand?

Yes. The Australian government smartraveller website says to exercise normal safety precautions in New Zealand.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).

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My family of 5 is traveling to New Zealand for just over four weeks from early December to early January. I am wondering if we need to get travel insurance or not? I know basic medical is covered as we are covered by Medicare and New Zealand recognises that as cover for them.

Hi Michelle,

Thank you for your comment.

Australians can access New Zealand’s public health care system in an emergency, but travel insurance is still essential. New Zealand and Australia have a reciprocal health care 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 (you’ll be charged the same amount as a New Zealand resident) and it’s important to remember the agreement isn’t a replacement for travel insurance – which is always a necessity. Remember to take your Medicare card with you – you’ll need it, along with your passport, to prove that you’re eligible.

Please fill out the Travel insurance form to get quotes for your trip to New Zealand. Please ensure you review the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

Regards, Jhezelyn

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Click here for our travel alert about the Israel – Gaza conflict. Due to the current conflict in Ukraine, our policies exclude coverage for any trips to Russia, Ukraine or Belarus. Check out latest travel alerts here before buying a policy.

New Zealand Travel Insurance

New Zealand is a popular destination for adrenaline filled activities and winter sports. If you’re heading over there, check out the insurance options available.

Our policies cover 90 activities and sports automatically, including bungee jumping (three jumps max). Be aware, that there are specific activities that are excluded, and limits apply. Always read the  PDS  before buying a travel insurance policy to make sure the product is right for you.

Something to consider, if you’re travelling to New Zealand, is the possibility of an earthquake or natural disaster. We offer an add-on that you can take up in the summary page of the quote process if you feel the area  you’re going to is prone to such problems.

Why Travel With Us to New Zealand

Most Common Questions

Our Gold policies cover your rental car excess up to $8,000, but not motorbikes. For a rental car to be covered, you need to make sure that it is insured (confirmed by the rental company), as we do not pay for full damages to a rental car, only your excess.

Yes, we cover all overseas medical expenses (unlimited), as well as permanent injury, and personal liability (policy payout limits apply to these) as related to bungee jumping, so long as you limit yourself to a maximum of three jumps.

A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication in the last five years. Our policies cover many pre-existing conditions; to see if we cover yours, please complete our medical assessment online or over the phone. Please note, failing to declare a pre-existing condition can void your policy.

Our premiums would be astronomical if we could do that! There are limits and exclusions to all travel insurance policies, so we strongly advise you to read our product disclosure statement.

Under the InsureandGo Silver and Gold levels of cover, we will reimburse the cost of your necessary additional meals and accommodation expenses, if during a trip, any individual leg of your trip, is delayed for more than 12 hours, as long as you eventually go on the holiday.

The amount you can claim varies depending on the level of cover that you have purchased with us. Please refer to the policy wording documents for more information.

Excess is the amount you pay us in the event of a claim being approved. Our excess applies per person, per event, per claim. You can choose the excess you want ($100, $200, $0), but be aware this will change the price of your initial premium. Our standard excess amount is $100 but you can decide to remove or double this amount through the purchase process.

You need to be in Australia at the time of purchasing your insurance. If you are overseas, we are unable to offer you new or different insurance. You may be eligible to extend the dates of your existing cover, so shoot us an email and find out.

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**Children (including fostered, or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents. 

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Travel Insurance in New Zealand

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•   Travel insurance quotes
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A cruise ship sounds about the safest holiday environment you could choose – but even in these self-contained cities on the sea, something can go wrong. When RACV member John* had a stroke while on a cruise in New Zealand and needed to be medevaced home to Australia, he faced a huge bill. By the time medical transportation, additional emergency expenses and cancellation of the unused part of his trip were taken into account, the out-of-pocket costs came to $81,000.

Such a bill could have been life-changing - in a bad way. Fortunately, John had taken out RACV Travel Insurance, which covered the total amount.

John’s experience illustrates that whether you are travelling to New Zealand on a cruise with the family, an adventure break on the South Island or a self-drive holiday, there are some important questions to consider before you go to the Land of the Long White Cloud.

*John’s name has been changed

Do Australians need travel insurance for New Zealand?

Cover for hospital treatment and medical expenses in foreign countries is one of the main reasons people take out travel insurance. Knowing this, many Australian travellers ask whether they really need to take out travel insurance for a trip to New Zealand because the two countries have a Reciprocal Health Care Agreement.

But what does a Reciprocal Health Care Agreement actually mean and what does your Australian Medicare card cover you for in New Zealand?

Reciprocal medical cover provides urgent medical treatment for Australian citizens or residents with a Medicare card while they are in New Zealand. But the Reciprocal Health Care Agreement does not cover:

• Treatment received on a cruise ship
• Evacuation costs
• Repatriation costs 
• Medical transport costs

You can see there are a number of situations where travel insurance might be needed even in New Zealand. And there’s more…

Does RACV travel insurance cover car and campervan hire in New Zealand

Self-drive holidays are one of the most popular ways to explore New Zealand. But if you’re planning to hire a rental car, campervan or motorhome, there are several things you need to be aware of, particularly rental car excess insurance, which is included in some RACV travel insurance policies.

• Know how much your excess is. The excess is the amount payable if your rental vehicle is damaged or stolen. Check whether there is an additional excess if your car is involved in a single vehicle accident.
• RACV Rental Car Excess will cover you for the rental vehicle insurance excess or the cost of repairs - whichever is the lower amount. However, it does not replace rental vehicle insurance. 
• Read your rental terms and conditions. These may include limits on when and where you can drive the rental vehicle. RACV Rental Car Excess will not cover you if you violate your rental agreement.
• Is there an age restriction? Many rental companies impose maximum or minimum age limits and rules. Check the details before you arrive to avoid any nasty surprises.

Does RACV travel insurance cover skiing and winter sports?

Before you hit New Zealand’s renowned mountain slopes, remember to check your travel insurance to make sure you are covered.

RACV Travel Insurance does cover you for skiing and other winter sports (including tobogganing, snowmobiling and ice skating), provided you add this to your policy and pay any additional premium. However competitive skiing and winter sports aren’t covered.

RACV Travel Insurance covers you for a range of winter sports, learn which activities and sports are included on the  adventure travel insurance  page.

What adventure sports and activities does RACV travel insurance cover?

New Zealand is world renowned as a mecca for adventure sports, so before you take the plunge with a bungee jump, or white-water rafting adventure, make sure you’re covered by your travel insurance.

RACV Travel Insurance will cover a wide range of adventure pursuits as long as the activity:

• Is conducted through a commercial operator and is available to the public
• Is not considered extreme risk
• Does not require any special skills, pre-fitness training program or a high level of fitness.

However, some activities, including heli-skiing, base jumping, sky diving and hang gliding are not covered in any circumstances. Before undertaking any activity, be sure to check with your travel insurance provider whether or not you are covered. 

RACV Travel Insurance covers adventure sports and activities, learn which are included on the  adventure travel insurance  page.

Travelling a long way from home? Pack your RACV Travel Insurance

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations . For copies, visit racv.com.au. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS.

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Travel Insurance For New Zealand

The following information applies to policies purchased from 30th October 2023 onwards. For policies purchased prior to 30th October 2023: you can find the PDS relevant to you in your policy confirmation email, by logging into  MyPolicy , or you can  contact us  for assistance.

Travel Insurance for New Zealand 

With beautiful scenery to explore in a campervan, friendly locals, a fantastic snow season and numerous nature trails, a New Zealand holiday seems to be able to offer something for everyone. And, considering how long it can usually take to fly to any overseas destinations from Australia, the Kiwis are relatively close by!

But don’t think just because New Zealand is our neighbour that they’ll automatically look after you for unexpected emergencies. A New Zealand holiday still means travelling overseas, which is why you should consider getting New Zealand travel insurance.

If you’re doing New Zealand travel, you should consider a policy that provides 24 hour emergency assistance as well as cover for what’s most important to you such as:

Overseas Emergency Medical Cover

This benefit provides cover for the unexpected overseas emergency expenses you may have if you become sick or injured in New Zealand.

Cancellation Cover

Something can go wrong before you travel, like you or a close relative suddenly becoming sick or injured, which could force you to cancel your trip. Cancellation cover allows you to claim for lost deposits including flight costs, cruise tickets, accommodation, rental cars, activities and prepaid tours.

Luggage cover

If you’re taking your laptop, phone or camera you’ll want to think about covering them along with the rest of your luggage in case it gets lost, stolen or damaged during your trip.

Cover for Snow Sports or Adventure Activities

New Zealand offers great skiing and snowboarding , as well as a huge variety of activities such as whitewater rafting, kayaking, sailing and bungee jumping. Some adventure activities may be covered, and you may also be able to add on extra cover for riding a motorcycle with the Motorcycle Pack or for more risky activities, with our Adventure Pack .

Cover for Rental Vehicle Insurance Excess

Campervan or rental car self-drive holidays are a popular type of New Zealand holiday and a great way to get around. You can choose to cover the excess portion on your rental car insurance if your rental car is damaged in an accident or stolen.

Please note: This is only a summary of benefits. Policy terms, conditions, limits, sub limits and exclusions apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.

Can I get medical insurance for New Zealand?

Of course! We believe that having cover for unexpected medical expenses is so important that all of our international policies provide you with unlimited medical and hospital expenses . You never know what could happen while you’re on your NZ holiday – you may be in an accident and need to be hospitalised, your child may get an ear infection or you may become sick and have to purchase prescription medication.

Our travel insurance can provide cover for many medical conditions .

You can complete a medical screening for:

Your existing medical conditions that you have or have had, for the 3 years prior to your policy purchase date,

Any changes to your existing medical conditions which we have agreed to cover, after you buy your policy and before you leave for your trip,

New medical conditions you develop after you buy your policy and before you leave for your trip.

If we agree to provide you with cover for your medical conditions following your medical screening, you may need to pay an additional premium.

IMPORTANT: If you have had a medical or pregnancy condition within the 3 years prior to your policy purchase date, and you have not completed a medical screening for those conditions, or you have not notified us of a change in health or new medical condition as mentioned above, there is no cover for any claims under the policy arising from any of those medical or pregnancy conditions. You should also be aware of the General Exclusions that apply to all benefits, in particular General Exclusion 20 and 22 of the PDS.

What is a medical condition?

We consider a medical condition to be any bodily or physical injury, physical defect, illness, disease or other medical or dental condition or sign or symptom of these things, which you and anyone listed on your policy (including dependants travelling with you):

• required prescription medication for or has been prescribed medication from a medical practitioner in writing for,
• sought or received medical advice from a medical practitioner or other health care professional for,
• had tests, investigations, care, treatment or medical attention including surgery for,
• been admitted to hospital for (including emergency department or day surgery procedure), or
• became aware of or which a reasonable person in the circumstances would have been aware of.

It includes but is not limited to:

• the suffering or treatment of mental illness,
• a brain, heart (such as any cardiovascular or coronary heart disease or any condition related to a heart or blood vessels), kidney, liver, respiratory, circulatory (such as high blood pressure, stroke, or transient ischaemic attack), cancer or cancerous condition,
• reduced or deficient immune system,
• a sign or symptom of the above matters, or
• a persistent and lasting health condition such as constant pain or long-suffering pain or pain with a pattern of relapse and remission, or
• a ny conditions related to previous and current pregnancy as detailed in “What is a Pregnancy Condition ” below .

You need to complete a medical screening if you are pregnant and you have a pregnancy condition, as listed below:

• You are experiencing complications with the pregnancy (see our Complications of Pregnancy and Childbirth table in PDS for further details on what we consider a Complication of Pregnancy and Childbirth), or
• You experienced complications with any previous pregnancy (see our Complications of Pregnancy and Childbirth table in PDS for further details on what we consider a Complication of Pregnancy and Childbirth), or 
• You are having multiple children (e.g. twins, triplets or more), or 
• Your conception was medically assisted (e.g. hormone therapy or IVF).  

If any of the above applies to you, you will need to complete a medical screening so that we can assess whether or not we can provide you with cover for your medical condition.

Check out our Medical Conditions page for more information about medical screening for your medical and pregnancy conditions including information about the General Exclusions that may apply.

Please refer to our Product Disclosure Statement for eligibility criteria, and policy terms, conditions, exclusions and limits that apply.

5 things you need to know about New Zealand travel insurance with Fast Cover

• Cover is provided for overseas emergency medical and hospital expenses , plus m edical screening is available for your medical conditions .
• Cancellation cover to protect the payments that you’ve already made for your holiday can be included with your New Zealand travel insurance.
• Optional Rental Vehicle Insurance Excess cover if you’re hiring a rental car or campervan.
• Cover for adventure sports and activities , motorcycle, moped or scooter riding and bikes can be added to your policy.
• Kids and grandkids can be covered when travelling with an insured adult on both New Zealand  Family  policies or if travelling separately, on  Single  policies.

Travel Insurance to New Zealand from Australia

Our NZ travel insurance can provide you with cover once you leave Australia to fly or cruise to New Zealand. And if you’re wondering what to do in New Zealand once you’re there and if you’ll have cover for it, be assured that our New Zealand travel insurance policies can provide you with cover for many of the activities that Australians like to do on a New Zealand holiday.

To ensure you’re covered for all of the fun things you want to do, you should consider the type of New Zealand holiday you’re taking and what activities are on your itinerary such as:

• Seeing the glow worms light up the spectacular Waitomo Caves
• Jet boating tours on the lake at Te Anau or Huka Falls00
• Exploring the Hobbiton movie set from the Lord of the Rings and The Hobbit trilogies
• Riding the Skyline cable car up to the summit in Queenstown
• Taking a scenic day cruise on the stunning Milford Sound
• Hiring a campervan or motorhome and road tripping around both islands
• Sightseeing and historic walking tours
• Trekking and hiking in the countryside
• Visiting family attractions like the Auckland Zoo or Rainbow’s End Amusement Park
• Water sports like sailing, wind surfing, kayaking and fishing
• Horse riding tours
• Adventure sports like bungee jumping, tandem sky diving and quad biking
• For some more activities, you can explore Treat Me for ideas.

What is New Zealand travel insurance?

New Zealand travel insurance provides cover for your New Zealand holiday, whether you’re flying there or taking a cruise. A travel insurance policy for a New Zealand trip can help with:

• Arranging and covering the costs of an emergency evacuation that results from you becoming injured, such as severely injuring yourself after falling while skiing or snowboarding.
• Organising for a relative to travel to NZ to be with you if you’re admitted to hospital for a serious medical condition.
• Providing cover for your lost deposits if you’re unexpectedly forced to cancel your cruise or other plans in New Zealand before you leave for your trip.
• Helping you arrange a new passport if yours is lost or stolen while travelling.

Do I need travel insurance for New Zealand?

According to DFAT , if you can't afford travel insurance you can't afford to travel.

It doesn't matter if you're travelling to the other side of the globe or just popping over to visit our Kiwi neighbours, the unexpected can happen which can result in you paying for out-of-pocket expenses that you hadn’t budgeted for.

And we’re not just talking about medical insurance, although medical cover is important in case you become sick or are hospitalised while in New Zealand. In fact, we think it’s so important that all our international policies include unlimited medical and hospital cover.

There are many other events that may occur, which can make you glad that you bought your Kiwi holiday insurance, including:

• Your booked tour being cancelled due to an earthquake
• You may have to cut your New Zealand trip short so you can return to Australia to visit a close relative who is seriously ill
• Your phone is stolen from you
• You’re not able to go on your trip because you’re injured in an accident prior to you leaving for your New Zealand holiday

While we hope that the above situations don’t happen to you on your NZ holiday – the fact is the unexpected can and does happen! With travel insurance for New Zealand, you can be covered for these unexpected eventualities, giving you peace of mind while you’re travelling.

Can I get travel insurance to New Zealand?

New Zealand is a popular destination for Australian travellers. Whatever type of traveller you are, if you’re aged 89 and younger, you can purchase a travel insurance policy for New Zealand from Australia.

We can provide you with a simple way to cover yourself and your hard-earned money, both before you leave Australia and during your NZ holiday.

It’s not any fun if you’re travelling companion can’t travel due to unexpected illness. However, if that does happen, you’ll both be able to claim for cancellation costs.

No matter how well you plan your family NZ trip, accidents and sickness can happen before or during your New Zealand holiday.

Travelling with the extended family or a group of friends? Cover yourselves in case anyone of you becomes sick or injured.

Have travel insurance for New Zealand for your peace of mind, and your family and friend’s peace of mind!

Be prepared and make sure you’re covered for medical emergencies.

Can I get travel insurance to New Zealand for my babymoon?

A New Zealand holiday babymoon ? What a great idea! It's close by, has a temperate climate, offers scenic landscapes where you can relax, and has high quality medical care.

Before you travel to NZ, you should check if you’re fit to travel, and also whether you can be covered under our policies. 

Cover is available for your pregnancy if you experience unexpected serious complications of pregnancy and childbirth that occur:  

• Up to the end of the 23rd week of pregnancy if y ou are pregnant with a single child; or  
• Up to the 19th week of pregnancy if y ou are pregnant with twins or multiple children.  

However, if you have a pregnancy condition , which we describe in the next section, you may need to do a medical screening .

What is a pregnancy condition?

A pregnancy condition  means   you   are pregnant and any of the following circumstances apply to   you :

• You  are experiencing complications with  the  pregnancy  that fall within the  definition of Complications of pregnancy and childbirth  (as described in the following section), or
• You  experienced complications with any  previous  pregnancy  that fall within the definition of Complications of pregnancy and childbirth (as described in the following section ) ,  or   
• You  are having multiple children ( e.g.  twins, triplets or more), or   
• Your  conception was medically  assisted  ( e.g.  hormone therapy or IVF).

What is considered Complications of pregnancy and childbirth?

Any c ondition you have been diagnosed with or treated for in the p ast or any se c ondary diagnosis, o c c urring p rior to, during the c ourse of , c on c urrent with, or as a result of the p regnan c y, whi c h may adversely affe c t the p regnan c y out c ome in c luding but not limited to the following:   

• Toxemia (toxins in the blood)   
• Gestational diabetes (diabetes arising be c ause of p regnan c y)   
• Gestational hy p ertension (high blood p ressure arising be c ause of p regnan c y)   
• P re-e c lam p sia (where you develo p high blood p ressure, c arry abnormal fluid and have p rotein in your urine during the se c ond half of p regnan c y)   
• E c to p i c p regnan c y (a p regnan c y that develo p s outside of the uterus)   
• Molar p regnan c y or hydatidiform mole (a p regnan c y in whi c h a tumour develo p s from the p la c ental tissue)   
• P ost- p artum haemorrhage (ex c essive bleeding following c hildbirth)   
• Retained p la c enta membrane ( p art or all the p la c enta is left behind in the uterus after delivery)   
• P la c ental abru p tion ( p art or all the p la c enta se p arates from the wall of the uterus)   
• Hy p eremesis gravidarum (ex c essive vomiting be c ause of p regnan c y)   
• P la c enta p revia (when the p la c enta is in the lower p art of the uterus and c overs p art or all the c ervix)   
• Stillbirth   
• Mis c arriage   
• Emergen c y c aesarean se c tion  
• A termination needed for medi c al reasons

Do Australians need travel insurance for New Zealand?

While New Zealand travel simply means a short flight over the Tasman Sea, you’re still going to need your passport. This means you’re still going overseas, which means you should still consider taking out travel insurance to New Zealand!

Some Australian travellers to New Zealand believe that they are covered for all medical expenses because of Australia’s Reciprocal Health Care Agreement with New Zealand.

However, this is not the case.

Will the Reciprocal Health Care Agreement cover me in New Zealand?

New Zealand has a Reciprocal Health Care Agreement with Australia, which means that citizens or permanent residents of Australia who are covered by Medicare will have access to some medical services in New Zealand.

Australians can receive treatment that is clinically necessary for diagnosis, alleviation or care of a condition requiring attention. This includes pharmaceutical benefits, hospital services and maternity services.

To prove your eligibility for health care while in New Zealand, you’ll need:

• Your passport which shows you’re an Australian citizen or permanent resident
• A valid Medicare card

However, even with the Reciprocal Health Care Agreement, you will not be entitled to:

• Ambulance cover (emergency and non-emergency)
• Emergency dental care costs
• Free or subsidised care from a general practitioner except for pharmaceutical benefits
• Treatment that isn’t immediately necessary
• Medical evacuation to Australia
• Funerals or repatriation of your remains back to Australia
• Treatment and accommodation in private hospitals, or as a private patient in a public hospital
• Treatment that has been prearranged before arrival

That’s why being covered with New Zealand travel insurance can still prove to be very important for all Australians travelling to NZ, as medical evacuation alone can cost thousands of dollars.

Can I get travel insurance for New Zealand citizens in Australia?

If you’re a Kiwi citizen living in Australia and you’re looking to travel back to NZ to visit family and friends, you can take out a New Zealand travel insurance policy with us, as long as you satisfy our eligibility criteria, as set out in our PDS.

What can affect my New Zealand travel insurance?

Some limits may apply to the type of travel insurance policy that you can take out, and these include:

Age restrictions

Our policies are able to cover travellers up to the age of 89. However, your age can also restrict you from being covered for activities like skiing and snowboarding , some adventure sports and riding a scooter, moped or motorcycle .

Existing medical conditions

Check out our Medical Conditions page for more information about medical screening for your existing medical and pregnancy conditions including information about the General Exclusions that may apply*.

If you’re planning an adventurous holiday in New Zealand, you should check if you have cover for the adventure activity or sport . Not all activities are covered and if you’re injured doing something that isn’t covered, you’ll have to foot the medical bill and other expenses that may arise due to your injury, including cancellation costs. Activities such as paragliding, riding a motorcycle and skiing and snowboarding may not be covered.

Do you need travel insurance for NZ adventure activities?

New Zealand holidays are a popular destination for adrenaline junkies and offers some of the best outdoor activities and extreme sports in the world. Examples of adventure activities you could try on your New Zealand holiday include:

• Hot air ballooning
• Bungee jumping
• Canyon swinging
• Horse riding
• Hang gliding
• Quad biking
• Walking, hiking and trekking
• Whitewater rafting

If you’re injured while you’re participating in an activity, your New Zealand travel insurance policy may be able to cover your medical expenses, and depending on the type of policy that you have chosen, the out-of-pocket expenses that you incur because you’re unable to continue your NZ trip as originally planned.

Some of these activities are automatically covered, however, you may need to take out the Adventure Pack to be covered for some others. Without appropriate cover for the activities that you’ll be doing, you will end up being liable for any costs should something happen.

Is there Travel Insurance for Skiing in New Zealand?

Skiing and snowboarding in New Zealand is not automatically included with our Comprehensive , Standard Saver and Basics travel insurance policies, you will need to select our Snow Sports Plus policy:

Cover for skiing and snowboarding can provide cover for:

Emergency medical expenses resulting from a fall on the slopes

Emergency transport from the ski fields to hospital

Your ski package so that you won’t be out-of-pocket if you can’t use your pre-bought ski package due to sickness or injury

Piste closure so you may be compensated if bad weather prevents you from hitting the slopes

Your ski equipment if it gets lost, stolen or damaged

3 Tips for safe snowboarding and skiing

Whether you are a first timer or a seasoned snowboarder or skier, here are a few tips that will help to keep you safe on the slopes so that you can enjoy snowboarding trips for many years to come:

Always wear a helmet and consider protective wrist guards as well.

Though helmet use has been increasing, they’re still only worn by  76.4% in 2017 with Australian skiers. 

Take lessons from a professional instructor/guide.

It’s a fun way to meet fellow snowboarders and skiers, especially of you are alone. More than that though, learning from a professional and knowing how to fall correctly, can really minimise future risks and costly medical assistance.

Know when to stop!

With any adrenaline sport such as snowboarding, we can easily overdo it because of that wonderful rush. However, it is important to know when you need a break and when to call it a day. Many injuries happen long after that point has passed, when the rider is tired and their concentration is fading.

Can I get cruise travel insurance to New Zealand from Australia?

Yes you can! Our cruise travel insurance policies can provide you with cover for unexpected events that can occur, whether you’re on-board the cruise ship, on a shore excursion or driving around New Zealand as a part of your cruise holiday.

You can be covered for sickness or injury, and for evacuation from the ship to the nearest hospital or back home to Australia.

When is the best time to purchase travel insurance for New Zealand?

Generally, the best time to purchase travel insurance is soon after you’ve paid deposits towards your NZ trip. This is because you can get cover for cancellation in your New Zealand Comprehensive , Standard Saver and Snow Sports Plus travel insurance policy, and it takes effect the moment your travel insurance policy is issued. All other benefits come into effect when you depart for your New Zealand trip.

Once you have cancellation cover, you can be confident that if something unexpected happens which forces you to cancel your trip, you have cover in place to be compensated for lost deposits.

The types of deposits that can be covered under the cancellation benefit include:

• Cruise tickets
• Accommodation
• Ski packages
• Bookings for sports
• Booked activities
• Campervan hire
• Rental car hire

How can I compare travel insurance for New Zealand?

Before you compare travel insurance for New Zealand policies, you should have a look at the type of NZ travel that you’ll be doing, and what you want to be covered for. This will allow you to more effectively compare travel insurance policies for your NZ holiday.

When you’re comparing New Zealand travel insurance policies, you should consider not just the price, but also the benefits that are included with the policy and if they’re what you want to be covered for. The policy limits and exclusions should also be considered, as these will let you know what you won’t be covered for. Remember that the cheapest NZ travel insurance policy may not be able to provide you with the cover that you need on your holiday to NZ.

What is the best travel insurance for New Zealand?

The best travel insurance for your trip depends on what you’re looking to be covered for. Every traveller’s New Zealand holiday will be different, so the “best” travel insurance policy for one traveller may not be so for another.

When looking for the best New Zealand travel insurance policy for your type of holiday, you should think about what you want to be covered for, and then look for a NZ travel insurance policy that suits your requirements.

5 steps to buying travel insurance for New Zealand from Fast Cover

• Select the New Zealand Region and follow a few simple steps online for an instant quote .
• Consider the benefits included in each policy.
• Select the level of cover that’s best for your trip to New Zealand.
• Read the Product Disclosure Statement (PDS).
• Consider the Financial Services Guide.

Can I get cheap travel insurance for New Zealand?

A cheap New Zealand travel insurance policy for your NZ holiday may sound like a good idea, however, it may not be the best travel insurance policy for your type of NZ travel. When you’re looking for a cheap travel insurance policy, you should consider the type of trip that you will be taking and what you think is important to be covered for.

To get a good deal on travel insurance, there are a couple of tricks you can use if you’re going to New Zealand:

Buy travel insurance together

Travel insurance for two people travelling together, or for a group, can work out to be cheaper than single policies for each person. Compare the price of getting a DUO policy or contact your travel insurer about a group quote.

Buy before your next birthday

Age comes into play in calculating the cost of your travel insurance policy for New Zealand. That means it might be cheaper to buy travel insurance before your next birthday. So start investigating prices as soon as you’ve decided on your holiday, as you may find that you can purchase a policy with Cancellation cover straight away, to cover the deposits you have or will make.

Become a loyal customer

Did you know that we offer discounts to our returning travellers? It doesn’t hurt to ask for a discount!

To get the best tips to help you save money on travel insurance, check out ‘ 20 Ways you can Save on Travel Insurance ’ for more tips that will help you save money on travel insurance.

Can I get travel insurance for New Zealand natural disasters?

New Zealand is prone to experience some natural disasters, in particular earthquakes. One of the most notorious was a 7.8 magnitude earthquake which struck New Zealand’s South Island in 2016.

If you purchase your NZ travel insurance policy before a natural disaster occurs and you’re on your New Zealand holiday when it strikes, your travel insurance for New Zealand can provide you with cover if you’re injured as a result of it.

Our Comprehensive , Standard Saver , Frequent Traveller Saver or Snow Sports Plus policies , can also provide you with cover for additional expenses if your return home is delayed, such as extra nights of accommodation and food. If you haven’t yet travelled and your flights to New Zealand are cancelled (rather than rescheduled) then you may also be able to claim for your lost deposits with the Cancellation benefit .

What is excluded from my travel insurance for New Zealand?

If something is excluded, that means you won’t have cover for unexpected expenses, and this includes medical expenses. Be sure to read through our Policy Disclosure Statement (PDS) to understand these exclusions, as they may apply regardless of when you purchased your travel insurance for NZ. There are some common exclusions you should be aware of, including:

Travelling against official advice

If a doctor has told you not to travel due to a particular medical condition, or the Australian Government has issued a ‘Reconsider your need to travel’ or ‘Do not travel’ alert for New Zealand on smartraveller , and you still choose to travel to that destination, you may not have cover for travel to that destination.

If you are intoxicated

Accidents resulting from excessive alcohol consumption may not be covered. This includes injuries such as broken bones which are the result of you acting irresponsibly and not taking due care.

Changing your mind

If you simply decide you no longer wish to travel, you may not be covered for the payments that you’ve already made for your New Zealand holiday. You would only be able to claim for a cancellation of your New Zealand holiday if it’s for a reason that is covered under your policy, and if the policy provides for a cancellation benefit .

Illegal activities

This includes taking illicit drugs (and any injury you might sustain as a result of your compromised behaviour) and driving a motorcycle or car without a valid licence.

Claiming for something that isn’t covered

If a medical condition, event or activity is not explicitly covered by the New Zealand travel insurance policy that you have purchased for your trip, it’s unlikely you’ll be able to claim for expenses related to it.

For example: If you have a Basics policy, you would have cover for medical, hospital and personal liability expenses incurred in New Zealand. However, there is no Cancellation cover , which means that if you’re unable to go on your trip, you would not be able to submit a claim for the deposits that you’ve already made for your NZ holiday even if you cancelled for medical reasons.

Where we have issued New Zealand Travel Alerts

From time to time, we may issue a Travel Advisory . Travel advisories set out our position on travel related events and may affect the cover on your travel insurance for New Zealand.

Travel related events could include natural disasters, pandemic/epidemics and terrorist acts.

If you leave your belongings unsupervised in public

If you leave your luggage or personal belongings in a public place, such as in a taxi, on a cruise ship, beach or park bench and the item is lost or stolen as a result, you may not be able to submit a claim for the lost or stolen item. You must make sure that your belongings are with you at all times.

If your pre-existing medical conditions aren't covered by your policy

Any medical conditions that you have which fall within the 3 years prior to policy issue date and for any changes in health, between the time of policy issue and the date of departure for your trip, that you have not declared and are not listed on your certificate of insurance will also not be covered under your policy.  

This means that if you do not declare any medical conditions , including new medical or pregnancy   conditions or changes in health that occur after your policy is issued and before you leave for your trip, there will be no cover unless you contact us to complete a new medical screening .

What should I do in New Zealand in an emergency?

Seek assistance immediately.

You might need to see a doctor, go to hospital or go to the police station to report a theft. Whatever assistance you need, don’t put it off. It’s better to get the help you need as soon as possible than to put it off because you’re worried about potential expenses.

Contact your travel insurer as soon as you can

You’ll be able to get in contact with the Emergency Assistance team over the phone at any time, wherever you’re in New Zealand. If you’re in an emergency situation, update the emergency assistance team so that they’re able to provide you with advice and arrange any services you may need.

Seek Consular Assistance

If required, you can also get in contact with the Australian embassy in New Zealand .

FAQs for New Zealand Travel Insurance

I am a new zealand citizen but live permanently in australia. can i buy a policy.

Yes, you are eligible for a policy with Fast Cover, as long as you have an Australian Medicare card which is NOT a visitor Medicare card.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS) .

What does Air New Zealand travel insurance cover?

Our cancellation benefit can cover you for your flights with Air New Zealand if you are unexpectedly sick or injured and unable to travel. For information on what Air New Zealand travel insurance covers, you should check out the Air New Zealand website.

What region is New Zealand in?

New Zealand is in the New Zealand region and also provides cover for travel within Australia (Domestic).

How much is travel insurance to New Zealand?

The cost of a travel insurance policy for New Zealand depends on a few factors, including how long you’re travelling for; the type of activities you’re planning to do, including cruising and skiing or snowboarding ; how many people are travelling and what you want to be covered for.

For more information, refer to our Product Disclosure Statement (PDS) .

Do you need travel insurance for New Zealand?

You should consider taking out New Zealand travel insurance because while NZ and Australia have a  Reciprocal Health Care Agreement , if you’re injured or sick, you won’t be covered for all medical costs. The health care agreement does not provide cover for your ambulance, emergency dental or medical evacuation and repatriation expenses.

For more information, refer to our  Product Disclosure Statement (PDS) .

^ Price as at 20/03/2024 compared to the price calculated today for this policy.

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply.

† Fast Cover has a referral arrangement with this company.

The entity that referred you does not act for Fast Cover and may receive remuneration from us. You can ask them or us for more details. Make sure any information listed in any quote provided remains accurate and if not, please change it on our website.

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Four Reasons You Need Travel Insurance For Australia and New Zealand

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Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Travel Insurance for a New Zealand Vacation (2024)

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

in under 2 mintes

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

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

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

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

Compare The Best NZ Travel Insurance Companies

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

Why Trust MarketWatch Guides

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

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for New Zealand?

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

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

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

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

Cancel for Any Reason Coverage

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

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

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

Gear Theft Protection

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

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

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

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

Medical Emergency Insurance and Emergency Medical Evacuation

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

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

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

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

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

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

Rental Car Protection

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

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

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

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

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

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

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

Trip Cancellation Insurance

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

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

How Much Does New Zealand Travel Insurance Cost?

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

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

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

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to New Zealand. The below quotes are for a 30-year-old traveler from Florida, traveling to New Zealand for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

These quotes were collected in April 2024 for a trip in September 2024.

Each of the above insurance plans includes the following coverage:

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

How Do I Get Travel Insurance for New Zealand?

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

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

New Zealand Safety Tips

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

Crime and Safety

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

Day Trips, Tours and Excursions

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

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

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

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

Is Travel Insurance for a New Zealand Vacation Worth It?

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

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

Frequently Asked Questions About Travel Insurance for New Zealand

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

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

Do I need travel insurance for New Zealand?

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

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

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

What documents do I need to travel to New Zealand?

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

If you have questions about this page, please reach out to our editors at [email protected] .

More Travel Insurance Resources

Top Travel Insurances for New Zealand You Should Know in 2024

Byron Mühlberg

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

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

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

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

New Zealand Insurance Profile

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

Best Travel Insurances for New Zealand

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

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

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

Do I Need Travel Insurance for New Zealand?

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

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

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

VisitorsCoverage: Best Medical Coverage

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

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

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

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

Insured Nomads: Best Trip Coverage

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

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

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

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

SafetyWing: Best Combination For Youth

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

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

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

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

How Do They Compare?

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

Data correct as of 4/1/2024

FAQ About Travel Insurance to New Zealand

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

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

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

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

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

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

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

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

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

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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• Domestic Travel Insurance

International Travel Insurance

• Make a Claim
• COVID-19 FAQs

Cover for your overseas adventures

Even when you’re in the early planning stages of your trip, it’s important to consider taking out travel insurance. That’s because AA Travel Insurance policies can cover for cancellation and loss of deposits before you even go. So if something happens in the lead-up to your trip, we can be there to help you. With International Travel Insurance, you’ll be supported 24/7 no matter where you are in the world, with help just a phone call away.

Our three plans -  Essentials, Comprehensive, and  Frequent Traveller, have been designed with flexibility in mind, and provide different benefits and limits. Click here for an instant online quote. 

Get a quote

Cover for some COVID-related situations^

All plans include some cover for epidemic and pandemic diseases, like COVID-19, in some situations:

• If you're diagnosed with the disease after you purchase your policy and can't go on your trip or have to go home early
• If you’re quarantined or put into self-isolation by the NZ Government because you’re suspected of having been exposed to the disease and can’t go or continue on your trip
• If you’re denied boarding on any scheduled public transport service based on the suspicion that you have the disease.

^The policy still has a general exclusion for epidemics and pandemics and does not cover disinclination to travel due to fear or change of mind. Cover is only provided if you have not commenced your journey against the New Zealand Government’s advice not to travel. There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population.

Terms, conditions, limits, sub-limits and exclusions apply and these are set out in the Policy Wording. Please refer to the  Policy Wording  for full details.

Cover Options

The Essentials plan has been designed for those who only need limited travel insurance cover.

Comprehensive

The Comprehensive plan provides the highest level of cover, offering all the benefits under the Essentials plan and more.

Frequent Flyer

Designed for those who travel regularly, the Frequent Flyer plan can cover all trips taken during a 12-month period (up to 60 days duration per trip)

Business Cover

Cover for you when the main intention of your trip is for business purposes.

Offers additional business benefits.

Compare plans

^Sub-limits apply.

This table is a summary only. For all of these benefits, p lease make sure you read the  Policy Wording  to understand the definitions, terms, conditions, limits and exclusions that apply.

AA International Travel Insurance Benefits

10% discount for aa members*.

AA Members can receive a discount on all policies. Simply provide your valid AA Membership number on application.

24/7 Emergency Assistance

With AA Travel Insurance, you’ll have access to the Allianz 24/7 Emergency Assistance Team. A single call will put you in touch with a specialist who will be able to help you.

Cover for pre-existing medical conditions

Under the Comprehensive plan, you can apply to get your pre-existing medical conditions covered. If accepted, this can give you that extra peace of mind during your holiday.

Cover for missed connections or travel delays

If you miss connections or have any travel delays because of unexpected situations, you will be able to claim up to the maximum benefit limit based on your policy type. This includes additional hotel and travel costs.

All plans include selected cover for epidemic and pandemic diseases, like COVID-19 in some situations:

• If you're diagnosed with the disease and you can't go on your trip or have to go home early
• If you’re quarantined or put into self-isolation by the NZ Government if you’re suspected of having been exposed to the disease

Cover before you depart

Your trip is protected from unforeseen cancellation and loss of deposits the moment your cover is confirmed.

For all of these benefits, please make sure you read the Policy Wording to understand the benefit limits, terms or exclusions that apply.

^The policy still has a general exclusion for epidemics and pandemics, and does not cover disinclination to travel due to fear or change of mind. Cover is only provided if you have not commenced your journey against the New Zealand Government’s advice not to travel. There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population. Please refer to the Policy Wording for full details.

^Terms, conditions, limits, sub-limits and exclusions apply and these are stated in the Policy Wording . Customers considering the purchase of a travel insurance policy should read the Policy Wording to check what is and isn’t covered.

Have a question?

Our friendly New Zealand-based team are here to help. Give us a call anytime from 8:30am to 5pm Monday to Friday, or pop into one of our AA Centres to speak to a consultant.

Call: 0800 630 115

Frequently asked questions

What countries does my selected cover^ for epidemic and pandemic diseases (including Covid-19) cover?

All countries that do not appear on the Level 4 warning “Do not travel” advisory listed on SafeTravel.

SafeTravel houses all warnings inclusive of non-Covid-19 advisories which are issued by the Ministry of Foreign Affairs and Trade (MFAT).

If I contract Covid-19 prior to travelling do I have selected cover^ for epidemic and pandemic diseases?

Cover is in place, providing that the country you are travelling to does not have a MFAT, SafeTravel or New Zealand Government Level 4 warning “Do not travel” in place.

If I contract Covid-19 in transit to my destination country do I have selected cover^ for epidemic and pandemic diseases?

Cover is in place, providing that the countries you are travelling to do not have a MFAT, SafeTravel or New Zealand Government Level 4 warning “Do not travel” in place.

Does selected cover^ for epidemic and pandemic diseases still apply if I am unvaccinated?

Cover is in place as there is no requirement to be vaccinated/boosted under our policy. However, if the destination country requires an inbound traveller to be vaccinated, then the traveller must be able to meet these entry requirements. This also applies to the condition of carriage for example of the airline they are travelling. There is no cover if denied boarding or entry to a country due to not meeting the carrier or country vaccination requirements.

Are there any mandatory epidemic and pandemic insurance requirements to enter certain countries?

Many countries, even before the pandemic, had compulsory health and travel insurance requirements, but many more have since added rules – typically around Covid-19 medical expenses and the associated costs. The coverage type and amount varies by vaccination status and country.  Prior to travelling, check with the nearest embassy, consulate or immigration department of the destination.

If I had Covid-19, should I declare this as a Pre-existing Medical Condition?

At the time of purchasing your policy if you have previously had Covid-19 and are now testing negative, are feeling well with no symptoms at all, then you do not need to declare this as a Pre-existing Medical Condition. A Covid-19 positive test result at a later date would be considered a new infection.

However, if you are:

• still testing positive; or
• still displaying Covid-19 signs and symptoms; or
• have been diagnosed with 'long Covid';

and you wish to have cover, you need to disclose the condition as a Pre-existing Medical Condition and an additional premium may be payable.

Our insurance partner

AA Travel Insurance policies are brought to you by the New Zealand Automobile Association Incorporated (AA), are 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 this insurance policy. Terms, conditions, limits, sub-limits and exclusions apply.

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 a 10% discount on AA Travel Insurance. Simply provide each traveller’s valid AA Membership number on application. Discount applies to AA Member cover premium, including any additional pre-existing cover, but does not apply to additional cover for high value items.

Best Cheap Travel Insurance of May 2024

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The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

In an ever-evolving world, emergency medical and evacuation travel insurance coverage is essential, especially if you're traveling internationally. However, sports equipment coverage, pet protection, and cancel for any reason coverage are among the increasingly popular coverage options that are changing the way we travel. We've gathered the best cheap travel insurance plans to help you protect your trip while on a budget.

Our top picks for the best cheap travel insurance

• Best overall: HTH Worldwide Travel Insurance
• Best for trip cancellation: GoReady travel insurance
• Best value: Nationwide Travel Insurance
• Best for reputation: Trawick International Travel Insurance

How we rate the best cheap travel insurance »

Compare the Top Affordable Travel Insurance

The best travel insurance meets your needs at a price you're willing to pay. Sometimes, you're just not willing to pay that much. The following companies offer decent coverage for low prices. To determine which companies made this list, we compared quotes across the travel insurance industry for the same trip, making a note of which companies offered particularly good coverage in certain areas and which companies were well reviewed.

Here are the best affordable travel insurance companies picked by Business Insider editors in 2024.

Best overall: HTH Worldwide

The HTH Worldwide Travel Insurance Economy plan offers the most comprehensive coverage across major categories of all the providers in this guide.

You'll have some peace of mind with up to $75,000 of financial protection for eligible medical emergencies, and up to $500,000 per person for medical evacuation costs. For more everyday expenses, you can also relax with baggage loss and delay, trip interruption, cancellation and delay coverage that will help you recoup many, if not all, of your costs.

However, this plan falls short on missed connection benefits and accidental death coverage, both of which are not available under most circumstances (missed connection coverage only applies to cruises, and will only cover up to $500 per person after a three-hour delay).

Read our HTH Worldwide Travel Insurance review here.

Best for trip cancellation: GoReady

The GoReady travel insurance Trip Cancellation Plan is exactly that: a cost-effective plan that offers protection in the event that your trip is canceled for a covered reason. The plan we priced out for our hypothetical trip cost just 1.16% of our total travel expenses — a very small amount of money to pay for the guarantee of our money back in the right circumstances.

The benefit is that this plan can supplement other coverage you already have, or give you a little bit of protection for a trip where you might not otherwise have opted for insurance altogether. On the downside, you won't get any protection for medical emergencies, trip interruption or delays or lost bags from this plan.

Read our GoReady Travel Insurance review here.

Best value: Nationwide

Nationwide Travel Insurance  is a well-rounded alternative to HTH Worldwide Trip Protector Economy. This plan offers solid protection for both travel-related snafus as well as situations that might call for emergency medical and evacuation, making it a good choice for trips where you have cause to worry about potential interruptions or delays. However, it does not offer protection for missed connections or accidental death.

Read our Nationwide Travel Insurance review here

Best for reputation: Trawick

The Trawick International Travel Insurance Safe Travels Explorer plan has been purchased by more than 36,000 travelers since 2020, and it has great reviews to boot. And no wonder: Trawick offers generous trip delay coverage of up to $2,000 per person, although hopefully you won't need to reach that reimbursement amount because the daily limit is $150.

You'll also be able to rely on a $200 reimbursement per person for lost baggage - one of the higher amounts amongst these affordable plans, although this amount pales in comparison to the baggage loss coverage offered through the best travel credit cards .

Read our Trawick Travel Insurance review here.

Types of Affordable Travel Insurance

Comprehensive coverage.

This type of insurance offers extensive protection, covering everything from medical issues to trip cancellations. While it's more expensive up front, it can save you a lot in the long run.

Medical-Only Coverage

As the name suggests, this policy focuses solely on medical emergencies, making it a cost-effective option for travelers who are primarily concerned about health-related expenses.

Evacuation and Repatriation

In extreme cases where you need to be evacuated due to a medical emergency or a natural disaster, this coverage ensures that you can return home safely without incurring huge costs.

Benefits of Opting for Cheap Travel Insurance

Cost savings.

Cheap travel insurance can significantly reduce your travel expenses, ensuring that you're not overpaying for coverage you might not need.

Adequate Coverage for Less

Just because it's cheap doesn't mean it's lacking. Many affordable policies offer substantial coverage, giving you peace of mind without breaking the bank.

How to Pick The Best Cheap Travel Insurance Plan for You

No single travel insurance plan will meet the needs of every single traveler. By nature, we are diverse and evolving meaning travel insurance should be equally so. Travel insurance for a week-long trip to a big city shouldn't be the same as the coverage for a backpacking expedition in the mountains. A splurge to purchase comprehensive insurance coverage may also be worth it for international ventures or other large expenditures.

In most cases, the cost difference between a basic and comprehensive travel insurance plan isn't as significant as you might think. Regardless, it's generally a good idea to choose a trusted travel insurance provider known for exceptional customer service and coverage. (For this roundup, we looked at traveler reviews shared through the travel agency SquareMouth.)

• Assessing Your Travel Needs: Consider the nature of your trip, the destination, and your own personal needs when choosing a policy. This ensures that you're not over-insured or underinsured.
• Comparing Different Policies: Don't settle for the first policy you find. Compare different options, looking at their coverage and prices, to find the best fit for your budget and needs.
• Reading the Fine Print: Always read the terms and conditions carefully to understand what's covered, what's not, and the process for making a claim.

How We Reviewed Cheap Travel Insurance

To determine the best insurance plan for travelers on a budget, we evaluated dozens of products using a hypothetical trip to Australia for a single traveler, age 26, with a total cost of $2,500 for flight, hotel and other incidentals. We then compiled the plans that covered the essentials at the lowest costs.

Of note: All of these plans include COVID-related medical coverage and 24-hour assistance, and pay at least 100% of your trip cost for eligible trip cancellations. None include rental car coverage.

The four winning plans cost between $29 to $74 — significantly below the average cost of comprehensive travel insurance , which can range between 4%-8% of total travel expenses, according to the US Travel Insurance Association.

But these affordable plans also come with comparably low ceilings for various aspects of coverage such as emergency medical, trip cancellation, or delay — and do not include rental car or " cancel for any reason" (CFAR) protection . So if you think you might need these benefits, it may well be worth upgrading to a comprehensive travel insurance plan for a few more dollars, just for the peace of mind.

Convenience and Flexibility

Each of the plans in this list include 24-hour assistance worldwide from reputable insurance providers. And despite being on the lower end of insurance plans, each of these options includes refunds for up to 100% of your total trip cost for eligible reasons. Each of these plans also includes medical coverage for COVID-related issues that may arise during your travels, which may come in handy as the pandemic continues to evolve worldwide.

Sufficient Coverage in Essential Categories

The cheapest travel insurance plan will rarely cover every scenario that could go awry on your trip. However, each of these plans can at least help you get your money back in the event that your travel is canceled for an eligible reason, and most of them include travel medical insurance if you incur emergency medical bills while traveling. We also factor in what travelers are most concerned about now. 

You can read more about how Business Insider rates insurance here.

Best Cheap Travel Insurance FAQs

How can i reduce the cost of travel insurance.

You can reduce the cost of travel insurance by opting for simpler coverage or choosing higher deductibles on travel medical insurance. You can also consider annual travel insurance , which will save you money in the long run if you take multiple trips over one year.

Can cheap travel insurance provide enough coverage for international trips?

Yes, many affordable policies offer comprehensive coverage suitable for international travel. It's crucial to compare policies and understand your needs. You can find our guide on the best international travel insurance here.

Why is travel insurance so cheap?

Travel insurance is relatively cheap because it only covers you for a set period of time, and depending on your plan, the level of coverage you get may not be particularly high. However, even with high coverage limits and extras like cancel for any reason coverage , travel insurance is relatively affordable. 

How much should travel insurance cost?

The average cost of travel insurance is 4%-8% of your trip's cost. This usually translates into a premium between $89 to $399. That said, many companies offer premiums far below average costs.

How do I find the right travel insurance plan for my budget?

When shopping for travel insurance, consider the type of trip you're planning. If you're planning leisurely excursions in a big city, you may not need as much emergency medical coverage as you would if you're planning a serious hiking expedition in the mountains. A good plan should include trip cancellation, some emergency medical protection, and 24-hour assistance at a minimum.

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