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Trip Details.

Type to select country destinations

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

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

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

• Depart Return

Are all travellers under 19 your children or grandchildren?

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

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

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

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

Please note:

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

Age limit exceeded.

We are sorry.

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

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

Single Trip | Annual Multi-Trip

Already overseas travel insurance.

Heading abroad?  Perhaps you’ve left already and forgotten to buy travel insurance. Luckily, with TINZ you can buy cover even after you’ve departed. Don’t sweat the small stuff. Just travel.

24/7 EMERGENCY ASSISTANCE

Your health is our number one priority. Our emergency assistance experts are just a phone call away 24 hours a day, seven days a week.

CANCELLATION COVER

Don’t lose out if you have to cancel your trip. We offer cover for cancellation costs if you can no longer travel or have to return home early due to unforeseen events.

TRAVEL DELAYS

Airport delays are a common frustration when travelling. Our travel insurance provides you with compensation if you’re delayed for more than six hours.

FAMILY  EMERGENCY

Had to rush home or cancel due to a family emergency? We’ll cover your lost non-refundable deposits so you have one less thing to worry about.

RIDING A MOTORBIKE OR SCOOTER

You’re covered on two wheels, so long as you’re wearing a helmet and the driver holds a valid licence recognised for your intended destination.

GADGET COVER

No doubt you’ll be taking a few gadgets away with you. Our plans provide different levels of cover for phones, iPads, cameras and laptops.

LUGGAGE COVER

Rest assured that your luggage is covered in the event of loss or theft, whether you’re near or far from home. Phew!

CRUISE COVER

We’re on board with you and don’t charge any extra if you’re heading on a cruise. With TINZ, you’re covered from ship to shore.

TRAVEL INSURANCE OPTIONS

Properly protect your holiday with travel insurance from TINZ and get extra cover for your adventure activities, winter trips, luxury items and more.

DOMESTIC TRAVEL

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

SKI INSURANCE

ADVENTURE ACTIVITIES

GROUP BOOKINGS

Are you travelling with a group of friends, school or club? TINZ offers special rates that can save you significant time and money!

PRE-EXISTING MEDICAL CONDITIONS

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

FREQUENT TRAVELLER TRAVEL INSURANCE

Don't forget next time around! Get a annual policy that covers you for unlimited trips all year round. If you’re planning several trips this year then frequent traveller policy can save you time and money.

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

ALREADY OVERSEAS FAQ's

Whether you hadn’t considered it until you were abroad, or simply forgot to purchase travel insurance in all the excitement of planning your trip, you can be rest assured that we’ve got you covered. You can purchase a policy from TINZ even if your adventure has begun.  

Q. Can I buy travel insurance if I’m already travelling?

Yes, you most definitely can. If you’re a New Zealand resident already overseas, you can purchase travel insurance away from home, no matter where in the world you are.  Simply use the quote box above to purchase our Already Overseas plan or contact our friendly customer service team.

Q. Is there an age limit if I'm already overseas?

The age limit for travellers who wish to purchase our already overseas policy is 64 years old.

Q. does a waiting period apply to this plan?

Yes, There is a 72 hour waiting period on all claims from the date you commenced your journey. 

Q. My travel insurance has run out! Can I get cover?

We’re flexible and work around your travel plans. Unlike other insurers we’ll cover you in the event that your previous policy has run out or you simply forgot to buy cover in the first place.

Q. Can I get cover if I don’t have a return flight back to New Zealand booked?

Yes. You can still get cover if you haven’t actually booked your return flight, but you must be returning to New Zealand at some point. You need to provide us with an end date in order for us to quote and cover the duration of your travels. You can extend your policy if you decide to stay longer.

Q. What am I covered for?

You get the same great cover offered in our Comprehensive plan.  This includes 24/7 overseas emergency assistance, unlimited medical & hospital expenses, cancellation & lost deposits cover, and more. Visit our  policy comparison page to see the full range of benefits. You also have the option to add on extra cover in the event that you will be skiing, or taking part in any sports & adventure activities.  To fully understand what is covered and what isn’t covered by this plan, please refer to our policy wording.

Q. Can I cover my medical conditions?

TINZ automatically covers 35 pre-existing medical conditions at no cost. This includes conditions such as acne, asthma, cataracts, diabetes and osteoporosis. Click here to see a full list of conditions that are automatcially covered. There is no cover under the Already Overseas plan for medical conditions other than those specifically listed.

Because life’s a trip

Before You Buy

Top searches, popular destinations, customer rating.

About us | Contact us | Policy Wording | Privacy

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• Travel Insurance

Take 10% off your travel insurance with promo code AMISALE.

Offer valid until 22 May 2024. Discount applies to existing AMI customers and to premiums for the standard policies net of Government levies and GST (if applicable). Discounts do not apply to premiums for cover additional to standard policies or to any minimum premium.

Great options to suit your travel within New Zealand or overseas

Overseas cover & annual multi-trip cover

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

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

Find out more

Domestic Cover

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

Inbound Cover - Visiting NZ

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

Travel Cover During Covid-19

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

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

Still unsure? Ask us a question

Compare our Travel Cover Plans

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

Policy benefits

Medical and dental expenses

Additional expenses

Amendment or cancellation costs

Luggage and travel documents

Delayed luggage allowance

Rental vehicle insurance excess

Travel delay

Resumption of journey

Missed connections

Special events

Hospital incidentals

Loss of income

Accidental death

Legal expenses

Personal liability

Get a travel quote now

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

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

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

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

Before you travel

Travel safety

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

Travel tips

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

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

AMI Travel Website Disclaimer 12072022

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

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

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

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

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

Where are you going.

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

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

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

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

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

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

New Zealand Only:  New Zealand domestic travel

New Zealand Inbound Travellers :   New Zealand

Dates of Travel

Departure date (travel start date).

Single Trip - The date you depart New Zealand

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

Annual Multi-Trip - The date your policy will commence

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

Return date - (Travel end date)

Single Trip - The date you return to your home

Annual Multi-Trip

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

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

Traveller Details

Age of each traveller at issue date

Simply enter the age of each traveller including children.

Only use as many boxes as you have travellers.

Do all travellers live in New Zealand?

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

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

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

• How It Works
• Cover Options
• Medical Conditions
• Sports & Leisure

New Zealanders Already Overseas

• Destination Wedding
• Dental Tourism
• Snow Sports
• Water Sports
• Group Travel
• Latest Travel Alerts
• SafeTravel Warnings
• Contact Us/Emergency Assistance

Already departed New Zealand but still need travel insurance?

One of the most common enquiries go insurance receives is for new zealanders already overseas who need to arrange travel insurance..

Perhaps you got so caught up in the excitement of your adventure that you forgot to purchase a policy before you departed or maybe you have extended your stay and your current insurer won’t allow you to extend your policy. It may even be that you are returning from a long stint abroad and need to insure your return journey home.

Go Insurance is proud to be one of the few New Zealand travel insurers who are able to offer travel insurance for New Zealanders who are already overseas.

Are the re any catches?

• You must have a permanent residential address in New Zealand and will be returning to resume residence in New Zealand at the end of Your Trip;
• Your period of overseas travel will not exceed 18 months in total from the date you originally departed New Zealand;
• You have unrestricted right of entry into New Zealand;
• You have access to long term medical care in New Zealand (excluding Reciprocal Health Agreements);
• You have a ticket booked for travel to New Zealand at the end of Your Trip; and
• Both Your Trip and Period of Insurance will end in New Zealand on the same date.

Also, we don’t offer cover for situations like New Zealanders living in the UK who need cover for a quick trip to Croatia and back to the UK – if your trip doesn’t start in New Zealand, then it must end in New Zealand to be eligible to purchase a one-way policy with Go Insurance.

For cover arranged to start when the traveller is already overseas, there is a 48 hour waiting period.  Once the waiting period has passed, cover is as per the terms and conditions of the Product Disclosure Statement.  Bear in mind too, that if you change your mind after purchasing a policy, the standard Cooling Off Period may not apply.

Can I extend my Policy?

Sometimes pre-booked plans can change.  If you need to delay your return home beyond the date you are booked to travel, we may be able to offer you one extension of the policy period.  This will depend on a number of factors including the reason you are not able to return to New Zealand as planned.  You will need to contact us before the policy end date to see if we can facilitate an extension to your policy. Simply complete our online form Request a Policy Extension and submit.  You may be asked to provide evidence of your pre-booked travel arrangements.

If you intend to stay overseas for more than a year without returning to New Zealand at all, then we don’t have a policy that will suit your needs.

For full eligibility criteria, please refer to the Product Disclosure Statement below.

• Policy Wording

To purchase a policy, simply visit our homepage and enter your details to get a quote. When you are already overseas it is important that you select ‘One way’ and nominate your final destination as New Zealand.  The Region of Travel you select should be appropriate for where you will be travelling.  For instance, if you are in Europe (and won't be travelling to the US or Canada before returning to New Zealand), you should select “Worldwide excluding USA, Canada and Antarctica”.

Our friendly team is here to help you. You’ll find us on livechat between 9am and 5pm NZST Monday to Friday.  Alternatively, you can call us during New Zealand business hours on +64 9 886 8484">+ 64 9 886 8484  or email us on [email protected]  if you have any questions.

Click here to see what our customers have to say about us.

• Our Insurance

International travel insurance

Be in to win 1 of 5 $1,000 travel gift cards when you buy a new travel policy today.*

Award-winning insurance

Why choose tower's international travel insurance, cover for dependent children.

Dependent children travelling with an adult covered under the policy pay no additional charge (for Domestic Cover – that’s up to 18 years, and for International Cover – up to 21 years of age).

24/7 Emergency Assistance

If you need help, you can call the Allianz Partners Emergency Assistance team 24 hours a day, seven days a week on 0800 606 688 (Mon to Fri, 8:30am - 5pm) or 09 486 6868 after hours.

Travel insurance with COVID-19 cover

We offer selected cover for epidemic and pandemic diseases with our domestic and international plans ^ . Find out what you're covered for here .

Cover for travel disruptions or delays

If your travel is disrupted or delayed because of unexpected situations, you may be able to claim up to the maximum benefit limit based on your policy type. This includes additional hotel and travel costs.

This is a summary only. For all of these benefits, please make sure you read the  policy wording to understand the terms, conditions, limits, sub-limits and exclusions that may apply.

Our international travel insurance policies include

IMPORTANT - PLEASE NOTE: All costs and expenses must be Reasonable. Where used, ‘Unlimited’ only means that there is no capped dollar sum insured. Terms, conditions, sub-limits and exclusions apply as set out in the policy wording. Benefits are per Insured Person and the benefits are shared for dependent children.

For the Frequent Flyer plan, check out the Country Plans to make sure all your destinations over the year fall into the same or a lower country plan.

Frequent Flyer

Comprehensive, tower translates.

We know insurance lingo can be a bit confusing. While our policies are WriteMark™ approved, we've put our heads together to explain some common terms.

If you're wondering what all that insurance lingo is all about, let’s unpack it.

International travel insurance FAQs

Allianz Partners manages all policy amendments, claims, and enquiries for us. If you would like to speak with someone, their contact details are:

• Get help with a quote: 0800 606 688
• Customer care: 0800 800 048
• Email: [email protected]
• Pre-existing medical condition enquiry: 0800 100 124
• Emergency number if calling from overseas: +64 9 486 6868  (reverse charge call through telephone operator)

You can take out travel insurance at any time before your trip starts, but the sooner the better. Buying your travel insurance as soon as you book your tickets means you're covered if something disrupts your travel, like a delay or cancellation.

If you take out travel insurance after you've booked your trip, the same protection comes into effect after a 7-day waiting period.

Our travel policies cover some recreational activities like cycling, surfing, and paddleboarding, but they don't cover more specialist activities. Examples of specialist activities include any extreme versions of any sport, or competing in a competitive event, mountaineering, or parachuting. 

See the policy wording for more details, or call us on 0800 606 688 .

Some pre-existing medical conditions are automatically covered under the Comprehensive plan. Cover for pre-existing medical conditions which are not automatically covered may be available for an additional premium following a medical assessment. 

If you have cover under another insurance policy, you will need to claim through the other insurer in the first instance. If we provide cover and accept your claim, we will pay any additional amounts over and above what the other insurer pays.

There is cover in place if your baggage is stolen; however, there are some exclusions.

See the policy wording for more details.

Travel insurance only covers the unexpected. Our travel insurance policies have a prior knowledge exclusion in place, which means there is no cover for anything that you were aware of when you purchased the cover that would give rise to a claim. 

There are restrictions on cover if you are riding a moped or motorcycle (whether as a driver or passenger).

See the policy wording for more details. 

Our travel insurance policies are for young and old, including children travelling with adults, and unaccompanied minors. 

Dependent children travelling with an adult on the same policy are covered at no additional cost. For  International Cover , that's up to 21 years of age. 

A parent or guardian can buy a policy for their child if they are travelling as an unaccompanied minor. They will be charged the minimum adult premium.

Gather your supporting documents that you'll need to include with your claim. This could be your travel itinerary, confirmation of cancellation, applicable refunds, photos, receipts, etc. 

Once that's done,  make your claim online . You can also call us on  +64 9 487 0818  if you're overseas or  0800 606 688  if you're back in New Zealand.

Get started on your claim now

You'll need to choose a plan that covers you in all the destinations you're travelling to. For example, if you select your primary destination as Australia, the policy will only cover you for journeys within Plan A destinations. By selecting Australia, you won't have cover for destinations in higher places like Africa, Asia, Europe, North America, South America, or the Pacific Islands. 

Check out the country plans to make sure all your destinations fall into the same or a lower country plan. 

If you're travelling to multiple countries, we're made it easy to choose regions. Select from Worldwide, Pacific Islands, North America, South America, Europe, Asia, Middle East, United Kingdom, Cruise New Zealand, Cruise Pacific Islands, Cruise Asia, Cruise Europe, or Cruise Worldwide.

Check out the country plans if you're travelling to multiple regions to make sure all your destinations fall into the same or a lower country plan. 

Travel alert notice: Please check the latest travel advisories on the Allianz Partners website to see if it is safe to travel to your chosen destination. You should also check safetravel.govt.nz for information on any countries you might be visiting. Remember to register your travel plans with Safe Travel before you leave so New Zealand officials can contact you in the event of an emergency.

Information on Allianz Partners

Tower Travel insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by Tower Limited. You should read the policy wording before making any decisions about your insurance policy. Terms, conditions, limits, sub-limits, and exclusions apply.

Terms and conditions

^ 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 not provided if you have 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 when crossing or returning over borders, that applies to a population or part of a population. Please read the policy wording for full details.

Got a minute?

Quick Links

• Cancel Policy
• Make a claim

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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Travel Insurance Quotes

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

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

Worldwide means anywhere in the world

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

Europe means all European countries, including UK

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

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

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

New Zealand means domestic travel within New Zealand only

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

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

WHY KIWIs LOVE COMPARE TRAVEL INSURANCE

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Travel agents and airlines charge huge commissions. We don’t! Our travel insurance comparison is free to use. You'll be directed to the insurer's website to buy travel insurance without any sneaky charges. We promise!

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

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

Feel secure

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

Product choice

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

Travel Insurance Extraordinaire At Your Service

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

Travel Insurance  Frequently Asked Questions

Does travel insurance cover coronavirus(covid-19).

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

Which is the best travel insurance in New Zealand?

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

Is it too late to buy cover?

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

Can I get cover for my medical conditions?

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

Can I purchase travel insurance at the airport?

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

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

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

Does travel insurance cover pregnancy?

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

Do I need cover in New Zealand?

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

Which is the cheapest policy?

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

Why should I buy travel insurance direct online?

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

Trending Tips And Guides

What activities are covered?

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

Pre-existing medical conditions

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

coronavirus and travel insurance

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

Why Buy Travel Insurance?

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

Exxy Medical Costs

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

Disasters Can Strike

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

Your stuff is important

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

For your peace of mind

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

Because You Have To

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

TRAVEL INSURANCE REVIEWS

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

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

Our Travel Insurance Comparision Helps You

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

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

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Where are you going.

Single Trip

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

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

Annual Multi-Trip

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

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

• United States of America (USA)
• Cook Islands
• Not Sure? See Region List
• Antarctica - Sightseeing Flight
• Antigua And Barbuda
• Cayman Islands
• Dominican Republic
• El Salvador
• Falkland Islands
• Northern Mariana Islands
• Puerto Rico
• St. Kitts and Nevis
• St. Vincent and Grenadines
• São Tomé and Príncipe
• United States of America
• Virgin Islands, U.S.
• Afghanistan
• Bosnia and Herzegovina
• Burkina Faso
• Cape Verde Islands
• Central African Republic
• Congo, The Democratic Republic Of
• Czech Republic
• Equatorial Guinea
• Faroe Islands
• French Guiana
• Guinea-Bissau
• Ivory Coast
• Korea, Republic Of
• Liechtenstein
• Moldova, Republic Of
• Netherlands
• Saudi Arabia
• Sierra Leone
• South Africa
• Switzerland
• Trinidad And Tobago
• Turkmenistan
• United Arab Emirates
• Vatican City
• Northern Ireland
• United Kingdom
• Lao People's Democratic Republic
• Marshall Islands
• Philippines
• American Samoa
• French Polynesia
• New Caledonia
• Norfolk Island
• Papua New Guinea
• Solomon Islands
• Western Samoa
• New Zealand

Dates of Travel

Departure date (travel start date).

Single Trips

The date you depart your home in New Zealand

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

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

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

Annual Multi-Trips

The date your policy will commence

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

Return Date (Travel End Date)

The date you return to your home in New Zealand

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

Ages of travellers

Who is going.

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

Click Add+ if you need to add more travellers

Accompanied Children are your children or grandchildren plus one non-related child per adult policyholder who are identified on the Certificate of Insurance and travelling with You on the Journey, provided they are not in full-time employment, they are financially dependent on You and they are under the age of 21 years. See the Policy Wording for more information.

Do all travellers live in NZ?

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

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

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

Travel insurance for your flight, holiday or adventure

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

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

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

Covid-19 cover included

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

Access to a Travel Doctor

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

Existing Medical Conditions

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

Free cover for children

Free travel cover for accompanying children or grandchildren under 21.

Travel Delay

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

Use your Airpoints Dollars™

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

Free look period

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

Why choose Travel insurance from us?

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

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

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Travel insurance

Travel insurance helps cover you if something happens to you or your belongings while travelling and can include cover for illness, accidents and flight delays.

On this page

When you need travel insurance.

It's best to buy travel insurance as soon as you make your first booking – this ensures you're covered if you need to change or cancel any of your plans before your departure date.

The main reason you may need travel insurance for a domestic trip is to cover your costs if your trip needs to be cancelled or delayed due to unforeseen circumstances.

When you're travelling in New Zealand:

• your belongings are usually covered by your normal contents insurance – check your policy to make sure
• you're covered by the health system and ACC if you get sick or are injured.

If you're travelling overseas, you need travel insurance. Your usual contents or medical insurance does not cover you when you're outside of New Zealand.

Some countries, including Fiji, require proof of valid travel insurance to enter the country.

What travel insurance covers

Most travel insurance will cover you for:

• cancellations and delays due to unforeseen circumstances – like bad weather, an accident that means you can't continue your trip, or the death of a close relative at home
• medical treatment if you’re injured or get sick – including travel home if you need it
• lost or delayed luggage
• damaged or stolen personal items
• accidental damages or legal expenses you incur while overseas – except for motor vehicle accidents, which need to be covered with separate rental insurance.

Travel insurance won't cover you if you just change your mind about your trip, including if you want to cancel because there's been a terror attack at your destination.

You also won't be covered if a 'do not travel' advisory is issued for your destination, or to embargoed countries and you choose to travel anyway.

Travel advice levels (external link) — SafeTravel

Your rights

Insurers operating in New Zealand must comply with consumer law, including the Consumer Guarantees Act and Fair Trading Act. They don’t apply if you book insurance with an overseas provider while overseas.

Consumer Guarantees Act (external link)

Fair Trading Act (external link)

Most insurers also follow the Insurance Council of New Zealand's Fair Insurance Code, which includes agreeing to:

• provide a professional service
• give accurate information
• explain terms and conditions, and exclusions – if you need them to
• tell you if anything changes
• settle claims fairly and in a reasonable amount of time
• protect your privacy
• have a fair complaints process
• act on feedback and complaints.

When you take out travel insurance, you must:

• tell the truth and give insurers the information they ask for – called disclosure
• report stolen items or accidents as soon as they happen
• follow instructions from your insurer – for example, to keep receipts or go to a specific hospital
• keep receipts for costs incurred or for items purchased
• take reasonable care – for example, lock rental car doors and don't put valuable jewellery or prescription medicine in checked-in luggage.

Choosing the right travel insurance from an insurer, travel agent or bank

You can buy travel insurance directly from an insurer, or through a travel agent or through your bank.

If you have a premium credit card (for example a 'gold' or 'platinum' card), it may come with built-in travel insurance. It’s important to read policy terms and conditions carefully and weigh up whether comprehensive travel insurance is a better way to go.

The cost of the insurance will depend on:

• how long you'll be away
• your age – cover can cost more if you're older, and some policies include dependent children for free
• the excess you want to pay if you need to make a claim – some insurers let you pay more for a lower excess, or vice versa
• the activities you're planning while away – some insurers charge extra for ski or snowboarding trips, and some won't cover things like scuba diving or rock climbing
• the type of policy you choose – a comprehensive policy will cost more than a budget one, but will provide you with more cover.

If your credit card comes with travel insurance:

• check the requirements to activate the insurance – you may need to pay for your flights or travel expenses using your card
• check your card's policy covers your plans – including the length of your trip and any activities you're planning
• pre-existing medical conditions usually aren't covered – contact the insurer to see if you can add cover for a fee
• you may have to pay a higher excess when making a claim.

Getting the travel insurance you need so that everything is properly covered

Every policy is different. Read the policy wording and check the limits carefully before you purchase – and if you're not sure about anything, ask your insurer for more information.

Travel insurance covers the belongings you take away with you. Your policy will usually have a total limit for all your belongings, and individual limits for valuable items like computers and jewellery.

If you're taking items that are worth more than the limits, you can usually choose to pay extra to increase the cover on these items if you want to. Check with your insurer.

If you need to make a claim, the insurer can usually choose to:

• replace the item
• repair the item, or
• pay you the value of the item in cash.

If your baggage goes missing or an item is stolen, report it to the authorities and contact your insurer straight away. Check your policy wording for any time limits – for example, you may need to contact the police within 24 hours of a theft.

Cover specific to international travel

New Zealanders are entitled to free emergency medical care in the UK and Australia.

Medical care and expenses

Pre-existing conditions.

Pre-existing illnesses or injuries are not usually covered by travel insurance.

Some insurers have a list of pre-existing conditions that they automatically cover. If your condition is not on the list, you may still be able to add cover for an extra fee – talk to your insurer to find out more.

Medical expenses

Travel insurance covers the cost of treatment if you're injured or get sick while you're away. It may also pay to get you home if you're unable to continue your trip. Check your policy to find out what you're covered for and when – a comprehensive policy will give you more cover than a basic one.

Dental treatment

Travel insurance usually only covers dental treatment for repairs or pain relief if you injure healthy teeth.

If you're injured in an accident overseas, ACC may be able to help with treatment costs once you're back in New Zealand.

If you're a New Zealander injured overseas (external link) — ACC

Personal liability

Personal liability covers you for accidental damages (and any related legal expenses) incurred while you're overseas. Personal liability cover usually only comes with comprehensive travel insurance policies – check your policy to find out what you're covered for and up to what amount.

You won't be covered if you were found to have committed the damage:

• on purpose, or
• recklessly – including if you were under the influence of alcohol or drugs.

Personal liability doesn't cover you for motor vehicle crashes – including for scooters or mopeds over a certain capacity (often 200cc). You'll need separate insurance for any vehicles you rent. (Some policies may cover the rental insurance excess, though.

What's not covered?

You're not covered:

• if you just change your mind about wanting to travel – even if there's been an act of war or terrorism at your destination, unless a 'do not travel' advisory has been issued
• for medical expenses related to Covid-19 if you get it either in a destination that has a 'do not travel' advisory issued because of COVID-19 risks, or you haven't followed the vaccination and testing requirements of the airlines you're flying with and the countries you're visiting
• for elective medical or dental treatment (treatment you choose to have, rather than treatment you need)
• if an accident happens while you're under the influence of alcohol or drugs.

If you're staying in an AirBnB or holiday home rather than a hotel, check your policy wording – some insurers won't cover you for any accidental damage you cause while you're there.

Most comprehensive policies cover non-refundable travel and accommodation costs if something happens (like an illness or accident) that means you need to cancel or cut your trip short.

Your policy may also provide cover for alternative transport or extra costs if you have an unavoidable delay – for example a cancelled flight or missed connection.

Check your policy for the details and conditions that apply to you – for example, you may not be covered if your trip has to be cancelled due to a natural disaster.

Making a claim

• Call your insurer as soon as you can if you need to make a claim – you may need to get big expenses like hospital bills pre-approved.
• If you've lost belongings or they've been stolen, report the loss to police straight away. Insurers often require paperwork to show you've done this within a set time – check your policy.
• Keep all receipts and documents related to a claim so you can send them to the insurer. You can't claim for something if you don't have evidence.
• If your claim is declined, follow the steps below – especially if your claim falls into a grey area, for example whether or not you left your bags 'unattended'.

Steps to take to ensure your travel insurance claim is successful

Complain to your insurer.

Many people can sort out their problem directly. Your insurance company will have a complaints process, for example, if you're unhappy with the outcome of a claim, a different assessor will look at your case.

Tips when complaining:

• Be clear it's a complaint: To make sure your issue is dealt with following your insurer's internal complaints process.
• Stick to the facts: Explain the problem in detail and provide any evidence you have.
• Tell them what you want: Be clear what you expect to fix your concern.
• Take time out, if needed: If the conversation is getting heated or you need time to consider their response, call or email back another time.
• Take notes: Write down the date you formally complained. Insurers must acknowledge your complaint in 5 business days and respond to it in 10 business days. For your own records, it may be best to put your complaint in writing, especially if it is complicated.

Contact the insurer's dispute resolution scheme

All insurers must belong to a disputes scheme. Contact them:

• for guidance before talking to your insurer
• if you and your insurer are finding it hard to agree.

Their services are free.

Dispute resolution schemes are neutral — meaning they look at facts from both sides. They might help you and your insurer settle your complaint by talking it through, for example, with mediation. If this isn't possible, they will make a recommendation — sometimes calling on another expert, such as a loss adjustor, for extra advice.

Your insurer must act on whatever the scheme recommends. But you don't have to accept their recommendation if you don't agree. Speaking to a lawyer would be your next step if this were the case.

There are two dispute resolution schemes who look at insurance-related complaints:

• Financial Services Complaints Limited (FSCL) (external link)
• Insurance and Financial Services Ombudsman (IFSO) (external link)

Take it further

Commerce commission.

Report your insurer to the Commerce Commission if you think:

• you have been misled
• they have said something untrue, such as telling you the policy covered something it doesn't
• they have pressured you into taking out a policy you did not want.

The Commerce Commission can't investigate every complaint, or solve your individual problem. But they can warn or prosecute the business. Your information helps them assess which consumer issues are causing the greatest harm.

Make a complaint (external link) — Commerce Commission

Get support at any point from:

• Citizens Advice Bureau (CAB) — a free, independent service, run by volunteers. CAB can advise you on your consumer rights and obligations, in person, by phone, or online.
• Community Law Centre — offers free one-on-one legal advice to people with limited finances. The organisation has 24 community law centres throughout the country. You can find legal information and other resources on its website.

Find a CAB (external link) — Citizens Advice Bureau Our law centres (external link) — Community Law Centres

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What's on this page

Emergencies, common queries, find an insurer.

Travel insurance is cover you purchase for international trips, whether they’re for business or holidays. Most travel insurance provides protection for

• cancellation and loss of deposit
• medical treatment costs
• costs for returning home in certain emergencies
• loss of luggage and personal items
• personal liability (except for deliberate acts or use of motor vehicles).

Travel insurance consumer guide

Download our handy consumer guide with all you need to know about travel insurance., domestic travel insurance.

Travel insurance is also available when you travel around New Zealand. While medical events will be covered by ACC in New Zealand, domestic travel insurance will cover you for things like lost luggage, rental vehicle excesses, cancellations or delays, and personal liability. Travellers should be aware that domestic travel insurance generally doesn’t cover as much as an international policy would so you should read the policy carefully before taking out cover.

For an independent view on domestic travel insurance, check out  Consumer NZ’s  article ‘Domestic travel insurance – do you need it?’

Credit card travel insurance

Travel insurance is a common extra when you take out a credit card from your bank, but there are some things to be aware of:

• some policies might need to be activated before you travel
• there might be a limit on how long the policy will cover you for
• you might have to book a certain amount of your travel expenses on the credit card before the travel insurance becomes available
• cover may not automatically be available for pre-existing conditions. You will likely need to contact the insurer to ask about coverage for any pre-existing conditions and you may have to pay an extra premium to have them covered.

Credit card travel insurance may not be as comprehensive as some other travel insurance policies, so it pays to read the policy carefully and think about whether you need to take out any additional cover.

Shop around

Remember that not all travel policies are created equal – just as the premium of some policies costs more than others, some policies have wider cover than others.

If you have a pre-existing condition, are planning to engage in a sport or adventure activity while you’re away, are a non-resident, are pregnant, or are over the age of 65, it’s important to contact a number of insurers before purchasing your insurance. One insurer may have a policy that suits your individual circumstances better than another.

Find out more about travel insurance to cover:

• staying in an Airbnb
• non-residents
• pre-existing conditions
• renting cars
• sports and adventure activities

Buy before you fly

You cannot get travel insurance if you’ve already left the country. You should buy travel insurance when you book and pay for your overseas trip. That way you’re not only covered for your trip, but also if something happens before you depart.

Read your policy wording

Make sure you read the policy wording so you understand what you are and aren’t covered for. If there is anything you don’t understand, ask your insurer for an explanation or more information.

Some common exclusions

Like any other insurance policy, a travel insurance policy is unlikely to cover you for absolutely everything that could go wrong. The following list sets out some of the common exclusions in travel policies, but make sure to check your individual policy’s exclusions as each insurer is different:

• war and terrorism
• pandemic, epidemic or infectious diseases
• financial failure of an airline, travel agent or tour operator
• elective medical or dental treatment
• travel in international waters
• being under the influence of alcohol or drugs.

Disinclination

Travel insurance policies don’t cover ’disinclination to travel’. This means that if, for example, you choose not to travel because you think your destination looks unsafe, but there hasn’t been a travel advisory issued, you will not be covered for the costs you’ve lost.

International students and seasonal workers

While the general rule is that New Zealand insurers don’t provide travel insurance for non-residents, there are some exceptions. If you are a seasonal worker travelling to New Zealand for work (for example, to pick apples during the harvesting season), or if you are an international student coming to New Zealand to study, then you will be able to purchase travel insurance from some New Zealand insurers.

You may need to contact a number of different insurers as not everyone offers inbound student or seasonal worker insurance.

Feeling adventurous?

If you’re planning on taking part in any sport or adventurous activities on your trip, talk to your insurer and read your policy wording to check whether you are covered. In particular, you should check whether you are covered for:

• skiing, snowboarding or doing other winter sports
• scuba diving
• bungy jumping
• hang gliding
• water skiing
• motorcycling or using a scooter (in certain countries)
• taking some other form of extreme risk which might put you in danger.

Driving overseas

Travel insurance policies provide limited cover for vehicles hired overseas. If you have an accident, the cover provided by your travel policy will usually only pay either the excess by the rental car company or the vehicle repair costs, if those costs are less than the excess. To ensure that you have enough cover, you should buy comprehensive motor insurance from the rental vehicle company in the country you hire the car in. If you then have an accident, you will have to pay the rental vehicle directly and claim costs from your insurer.

High-value items

You need to tell your insurer if you are going to take, or are planning to buy, high-value items on your trip. Many travel insurance policies contain sub-limits on the value of items you can claim for (including electronics and jewellery).

If you’re unsure, ask your insurer what value or coverage limits your policy may have.

Check for travel advisories

Sometimes there will already be events happening in the area you’re planning to travel to, when you take out your insurance policy. These are called ’known events’ and are unlikely to be covered by your policy. For example, if a volcano erupts in the country you are travelling to, it’s unlikely that delays or cancellations caused by the eruption would be covered. When you are taking out your insurance, check to see if there are any current advisories which might affect your cover. In New Zealand you can check the government advisory website  www.safetravel.govt.nz  and trusted media sources – if there are warnings in the media about the place you are travelling to, your insurer may not cover you.

This is another reason why you should take out your insurance cover at the same time as booking your travel. That way your insurer is on risk if an event happens and your travel plans are disrupted before you’ve even left.

Keep your receipts

If you need to pay for something while you’re travelling that you plan to make a claim for (like a lost phone or stolen camera that you had to replace while you were still overseas) make sure you keep your receipts to make the claim process as smooth as possible.

You can still make a claim even if you haven’t managed to keep hold of the receipts, but it’s likely that you’ll need to provide proof of ownership of the lost or stolen item to your insurer.

Travel insurers provide free 24-hour emergency assistance. Keep the details of their emergency assistance provider with you at all times while travelling.

In the event of an emergency, you may need to contact them for medical treatment or advice.

New Zealand’s Ministry of Foreign Affairs and Trade runs a website that has up to date travel advisories for all countries on key issues like security and health. 

Before you travel, you must tell your insurer if you intend to travel to any countries that have a ‘Do not travel’ travel advisory status – as it may not be possible to get insurance cover for travel to countries with this status.

Visit  www.safetravel.govt.nz  to check your intended destination and any countries you’re stopping in or passing through.

While you’re on the website, you can also check out their travel insurance guidance.

Some circumstances may make travel insurance more difficult to find or mean you need to fulfil additional requirements in order to receive cover.

Most travel insurance policies don’t provide liability cover for damage to property you’re staying at (e.g. an Airbnb or hotel) while travelling. Generally,  the Airbnb host will hold sufficient insurance to cover them should a paying guest damage their property, but there is a chance that the host or their insurer could ask you for payment if you were responsible for the damage. This would not be covered by your travel insurance policy.

Some insurers only provide cover for New Zealand residents, so if you are a non-resident, you may need to contact a number of insurers before you are able to get cover. 

It’s important to tell your insurer if you’re already pregnant when you book your travel insurance, or if you fall pregnant before you leave. Most insurers offer cover for the first few months of pregnancy as long as there have not been any complications. The length of time each insurer will provide automatic cover for varies so talk to your insurer to be certain you’ll be covered. An insurer may also require you to have a medical assessment before providing cover.

If you become pregnant after taking out a travel insurance policy, contact your insurer as soon as possible to ensure you’ll still be covered for your travel.

Pre-existing conditions are medical conditions you already have or have previously had at the time you’re buying your insurance. They include symptoms you’ve asked a doctor about, even if you didn’t receive a formal diagnosis.

Pre-existing conditions are excluded from most insurers’ basic packages. Some insurers have automatic cover for certain pre-existing conditions and others may allow you to buy additional cover for pre-existing conditions, although not all insurers will be able to provide this service.

If you have a pre-existing condition, you should check your chosen insurer’s list of automatically covered pre-existing conditions. If your condition is not listed, you will need to speak to the insurer to find out if you can get cover. They may require you to get a medical certificate before providing cover.

It’s important to remember to declare all pre-existing conditions when taking out travel insurance otherwise you may not be covered under all or part of your policy.

Most travel policies do not provide cover for damage caused to a rental vehicle hired overseas. Nor do they cover damage caused to people or property while in control of a rented or borrowed vehicle.

Some policies will provide rental vehicle excess (RVE) insurance but this will only provide cover for the excess on damage to the vehicle that the insured person has to pay — it does not provide any cover for the repairs themselves or any personal liability the insured person has if an accident damages property or injures someone. If a travel policy offers RVE, the cover may only apply to renting cars through a registered care hire company.

If you drive overseas, it’s important to get appropriate motor vehicle insurance and personal liability cover through either a vehicle rental company or through a local insurer (if you are borrowing a friend or relative’s vehicle).

The level and types of cover available for senior citizens varies by insurer and may be affected by the age(s) of the traveller(s). In some instances, you may be required to fill out some forms to give the insurer information about your medical history.

To ensure that you will be covered and to find a policy that best meets your needs, you should contact an insurer directly.

Some insurers have a list of sports and activities they will automatically provide cover for, however, there are also a number they won’t cover. If you are unsure whether your intended sport or activity will be covered, you should contact your insurer to check.

If you are planning on doing any sort of sport or adventure activity while you are travelling, make sure to let your insurer know when you take out cover.

ICNZ is unable to provide personal or professional advice. The list of travel insurance providers below is included for your information. Any queries about the specifics of policies or cover should be directed to the insurer.

Other travel insurance may be available through your bank or credit card provider, as well as by contacting an insurance broker. 

You can download the Ministry of Foreign Affairs and Trade’s travel insurance guide from their Safe Travel website.

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Travel Insurance

Travel a little freer knowing we're on the journey with you

AA Travel Insurance

Travel is part of the Kiwi DNA, but even the best laid travel plans can go unexpectedly wrong. That’s why we offer AA Travel Insurance plans - so you can travel a little freer here in NZ or overseas, knowing help is only a phone call away.

With AA Travel Insurance, your trip can be protected from unforeseen cancellation and loss of deposits before you even depart. So if something happens in the lead-up to your trip, we can be there to help you.

To understand what cover AA Travel Insurance provides for epidemic and pandemic diseases, like COVID-19, check out our FAQs . 

Get a quote

Why choose AA Travel Insurance

Get a quote online in minutes, so you can get back to planning your adventure. All you need are your travel dates, destination and any companions.

We’ve made the process simple, with domestic and international plans to choose from.

With AA Travel Insurance being one of NZ’s trusted travel insurance brands, we are proud to take care of Kiwis’ insurance needs.

We’re backed by the Allianz Worldwide Emergency Assistance programme, ready to help you no matter where you are in the world.

Playing at home or away?

Whether you're hitting the ski slopes or ticking a Great Walk off your list, make sure your trip is covered from unexpected costs like cancellation, travel disruption, and rental vehicle excess.

International

With three plans to choose from, our International Insurance cover is designed to make sure you can still enjoy your holiday even if something goes south.

AA Travel Insurance Benefits:

• AA Member discount

AA Members can get a 10% discount* on new AA Travel Insurance policies. Simply provide your AA Membership number when you apply.

• Cover for missed connections or travel delay

If you miss connections or have any travel delays because of an unexpected situation, you’ll be able to claim up to the benefit limit of your chosen policy. That means cover for extra costs to make alternative travel arrangements or additional delay costs.

• Free cover for dependent children

Dependent children travelling with someone covered under a policy can be covered at no additional charge (for Domestic Cover – that's up to 18 years, and for International Cover – up to 21 years).

• Cover for some COVID-related situations^

Both domestic and international options include selected cover for epidemic and pandemic diseases, like COVID-19. So if you’re diagnosed on your trip and need medical assistance or need to change your plans, you’ll be covered.

• Cover before you depart

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

• Cover for recreational activities

Some recreational sports are automatically covered under our policies, including leisure skiing and snowboarding, hot air ballooning, parasailing and paragliding, bungee jumping, and white-water rafting in grade 4 rivers (or less).

For all of these benefits, please make sure you read the Policy Wording to understand the terms, conditions, limits, and exclusions that may 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 them 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 the premium for each AA Member on standard policy and any additional pre-existing medical cover, but doesn’t apply to additional cover for high value items.

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Take out travel insurance. Your policy should cover any activities you plan to undertake (from scuba diving to scooter riding), personal liability, medical treatment, emergency medical evacuation, and any pre-existing medical conditions. Even minor medical treatment can be very expensive overseas.

If you can’t afford travel insurance, you can’t afford to travel.

If you suffer an injury overseas and return to New Zealand, ACC may be able to help with treatment costs in New Zealand, but only if you intended to be overseas for less than six months. ACC is unable to cover expenses incurred overseas. Visit the ACC website  to learn more.

Consumer NZ travel insurance guide We have worked with Consumer NZ to help create a useful travel insurance guide for New Zealand travellers. 

The guide helps you navigate the sometimes complex world of travel insurance. It provides timely and useful information on policy types, insurance coverage, personal liability and how to make a successful insurance claim if you get into difficulty while travelling. 

To read Consumer NZ’s travel insurance guide, click here .

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