travel insurance new zealand to australia

You are using an outdated browser. Please upgrade your browser to improve your experience.

Travel Insurance

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

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

Great options to suit your travel within New Zealand or overseas

travel insurance new zealand to australia

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.

Quick Links

Cancel Policy
Make a claim

Travel insurance for Australia

Over one million Kiwis visit Australia every year. With white-sand beaches, dazzling harbours, lively cities and boundless room for adventure, it’s easy to see why. Our western neighbour has become a second home, and it’s rare to find a Kiwi who hasn’t bathed at Bondi Beach or shopped till they dropped in the malls of Melbourne.

While Australia has a reputation as an affordable holiday favourite, it also has a reputation as a place of danger. Whether it be sharks, jellyfish, rip currents, or just the scorching sun, an Australian beach escape can easily turn into a holiday to forget.

But it’s not just the beaches that present risks to travellers, which is why proper insurance is essential for your Australian holiday, no matter what part of the country you’re visiting.

Do New Zealanders need travel insurance for Australia?

New Zealanders enjoy a reciprocal health agreement with Australia for some healthcare services, like medically necessary treatment as a public patient in a public hospital and access to prescription medicine.

There is a common misconception that this reciprocal health agreement means that New Zealanders don’t need travel insurance when visiting Australia. This is not the case. Emergency hospital treatment can quickly become extremely expensive, especially when it causes disruptions to your travel plans.

For example, a broken leg can mean an unwanted upgrade to business class seats, or prevent you from departing at all. Uninsured travellers can also find themselves footing the bill for ambulance rides, blood tests, accommodation extensions and flight cancellations.

We’ve seen first-hand how costly it can be to extend your stay due to a medical emergency, which is why we urge all New Zealanders to protect themselves with travel insurance when visiting Australia.

What will my insurance policy cover in Australia?

Our International Comprehensive policy provides comprehensive travel insurance for your trip to Australia. All International Comprehensive customers have access to our worldwide Emergency Assistance team, who can be contacted 24 hours a day, 7 days a week.

Our comprehensive International Comprehensive insurance includes cover for:

Unlimited medical and evacuation expenses that arise due to unexpected events while on your journey
Cancellation fees and lost deposits – increase your cover depending on the cost of your journey
Damaged or lost baggage
Personal items if they are stolen or damaged
Rental car excess should you have an accident
Emergency dental treatment
Funeral costs

Does my policy cover medical emergencies and hospital bills?

Unfortunately, illness and injury make up the largest number of claims we receive from travellers to Australia.

Thankfully, our International Comprehensive policy insures you for unlimited medical and evacuation expenses that arise due to unexpected events while you’re in Australia.

Am I covered for stolen or damaged phones, cameras and laptops?

Behind illness and injury, stolen and damaged valuables are the second most common claim we see from travellers to Australia. You may expect pickpocketing to be a greater risk in the marketplaces of South-East Asia than in the modern cities of Sydney or Melbourne, however travellers should keep their guard up as Australia isn’t immune to petty thieves.

Stolen valuables can take the shine off any holiday, which is why our International Comprehensive policy covers you for personal items that are lost, stolen or damaged as a result from an unexpected event.

Am I insured for rental vehicle excess?

Australia has enough endless highways and scenic coast routes to satisfy any traveller with a taste for the open road. In fact, travelling by car from Sydney to Perth takes over 40 hours of driving time!

Your Aussie road trip may not be this extreme, but it’s important that you prepare carefully even for short journeys on the road. Our International Comprehensive policy covers you for rental vehicle excess of up to $10,000 per paying person if you have an accident, but your cover depends on a few things including:

That you or the driver obey any law including driving laws or highway rules. For example: speed limits and blood alcohol limits
That you hire your vehicle from a licensed rental vehicle agency
That you always comply with the terms of the rental vehicle agreement
That you only drive on formed or paved roads and car parks
You are a named driver on the policy

What you need to know

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

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

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

Travel insurance for australia.

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

24/7 Emergency Assistance

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

Cancellation Cover

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

Travel Delays

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

Family Emergency

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

Rental vehicle Excess

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

Gadget cover

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

Longer cover

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

Cruise cover

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

Australia traveller's guide

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

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

Best time to visit

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

Need to know tips

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

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

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

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

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

Getting around

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

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

What to eat

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

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

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

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

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

Where to go

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

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

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

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

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

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

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

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

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

TRAVEL INSURANCE OPTIONS

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

DOMESTIC TRAVEL

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

SKI INSURANCE

ADVENTURE ACTIVITIES

GROUP BOOKINGS

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

SPECIFIC ITEMS

PRE-EXISTING MEDICAL CONDITIONS

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

FREQUENT TRAVELLER TRAVEL INSURANCE

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

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

AUSTRALIA TRAVEL INSURANCE FAQS

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

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

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

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

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

Q. Am I covered for all water sports downunder?

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

q. Which activities are excluded?

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

Q. How do alcohol and drugs affect my cover?

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

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

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

Q. Are kids covered for free?

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

Because life’s a trip

Before You Buy

Top searches, popular destinations, customer rating.

About us | Contact us | Policy Wording | Privacy

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova, Republic of; North Korea, Democratic People's Rep; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Four Reasons You Need Travel Insurance For Australia and New Zealand

Get a Quote

{{travelBanText}} {{travelBanDateFormatted}}.

{{annualTravelBanText}} {{travelBanDateFormatted}}.

If your trip involves multiple destinations, please enter the destination where you’ll be spending the most time. It is not required to list all destinations on your policy.

Age of Traveler

Ages: {{quote.travelers_ages}}

If you were referred by a travel agent, enter the ACCAM number provided by your agent.

Travel Dates

{{quote.travel_dates ? quote.travel_dates : "Departure - Return" | formatDates}}

Plan Start Date

Share this Page

{{errorMsgSendSocialEmail}}

Your browser does not support iframes.

Popular Travel Insurance Plans

Annual Travel Insurance
Cruise Insurance
Domestic Travel Insurance
International Travel Insurance
Rental Car Insurance

View all of our travel insurance products

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

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] .

Return To Log In

Your session has expired. We are redirecting you to our sign-in page.

Travel Insurance You Can Trust

What country are you going to?

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

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

When are you going?

Please select the departure and return dates for your trip.

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

Who is travelling?

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

Only use as many boxes as you have travellers.

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

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

Travel Insurance for Australia

Travel Insurance for Australian Holidays

What you need to know about travel insurance cover for trips to australia.

Australia is high on the bucket list for many travellers – and luckily for New Zealanders, this Great Southern Land is just a short trip across the ditch!

The world’s only island continent, Australia, could fit our humble New Zealand into its borders around 29 times; and the adventures that await are as vast as its landmass. From sparkling Sydney Harbour and Melbourne’s cosmopolitan café culture to the vibrant turquoise of the Great Barrier Reef and the Red Centre’s ochre landscapes and rich Indigenous culture, whether you’re exploring bustling cities, charming beach towns, or wide-open spaces, Australia is sure to leave a mark on your heart.

No matter what’s on your itinerary, it’s important to protect your trip with travel insurance for Australia. While you never plan for things to go wrong while you’re away, sometimes they do – and travel insurance can help protect you against unexpected incidents and expenses.

From lost passports and hotel cancellations to emergency medical treatment and repatriation, our Cover-More travel insurance may be able to help equip you with expert assistance when you need it most.

Read on to find out more about our best travel insurance for Australia.

Overseas Medical Cover

Cover for unexpected medical and dental expenses if you get sick or injured on holiday

Cancellation Cover

Cancel or amend your trip before you depart*

24/7 Emergency Assistance

Access to our global network of 24/7 Emergency Assistance

Skip ahead to find:

Do I need travel insurance for holidays to Australia if I’m from New Zealand?

What level of travel insurance do I need for Australia?

Does cover-more travel insurance cover adventure activities in australia, does cover-more travel insurance provide cover for covid-19, does cover-more travel insurance cover cruising in australia.

How can Cover-More assist me in an emergency?

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

Am I covered if I'm riding a motorcycle or moped?

Do I need travel insurance for Australia if I’m from New Zealand?

While Australia might be just a short trans-Tasman flight away, it’s just as important to have travel insurance for Australia as it is for any other international destination.

The reality is that things can go wrong anywhere, and even though your holiday destination may only be a few hours from home, travel insurance for Australia can protect you from the expenses of unexpected situations. This includes requiring emergency medical care, a hospital visit, lost luggage, travel delays, severe weather, and more.

You should consider buying travel insurance for Australia as soon as you plan to go or book your flights. To compare travel insurance for Australia, read this .

Looking for our best travel insurance for Australia? We know every traveller – and every holiday – can be different. That’s why we offer two different international plans suitable for Australian holidays, so you can choose the right level of travel insurance to suit your needs.

Our Cover-More international travel insurance plans include:

Options Plan

Essentials plan.

Our Options Plan is our most comprehensive online travel insurance plan, is suitable for trips to Australia, and can provide extra peace of mind while you’re exploring Australia.

Benefits include:

Unlimited medical expenses~
Unlimited additional expenses**
Emergency dental expenses
Trip cancellation protection up to the level of cover chosen
Luggage and travel documents cover
Rental vehicle insurance excess
Delayed luggage allowance
Hospital incidentals
Legal expenses
Personal liability

If you travel frequently to Australia and other parts of the world, you may wish to consider our Annual-Multi Trip (AMT) Plan which can save you time and money. Protected for an unlimited number of journeys in a 12-month period, you won’t have to worry about taking out a new travel insurance policy every time you jet off on a trans-Tasman trip.

Looking for high-quality travel insurance for an affordable price? Our Essentials Plan may be right for you. Popular among travellers on a budget, such as students and backpackers, this plan focuses on the most important benefits to offer low-cost, great-value travel insurance.

Medical and dental expenses

...and more.

Ready to choose the plan that suits you best? Compare our travel insurance for Australia .

~Medical cover will not exceed 12 months from onset. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand.

**Limits apply to subsections 2 and 6f.

*Limits, sub-limits, conditions and exclusions apply. Please read the Policy Wording before deciding if our travel insurance is right for you.

From snorkelling the Great Barrier Reef and horse riding along gold-sand beaches, to hot air ballooning over wine country, jet boating through Sydney Harbour, or trekking through ancient rainforest, one thing’s for sure: Australia is built for adventure.

If you’re a thrill-seeker wanting to engage in adventure activities while on holiday, our travel insurance for Australia can help protect you. Adventure activities often involve higher risk or travelling to more remote locations, so without the right level of insurance, you could be looking at a complicated and expensive medical care or evacuation if things don’t go to plan.

When you buy our travel insurance for Australia, we can automatically provide cover for activities such as:

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

It’s important to understand that reasonable care must be taken, all protective equipment must be worn, and you must not be competing in a professional capacity for this cover to apply.

Check out our Adventure Sports FAQs page for more information.

If your planned activity is not listed on our website or in the Policy Wording , we may be able to cover it. Give us a call on (0800) 500 225 to check.

Snow Sports Cover is also available for an additional cost if you plan on going skiing, snowboarding, or snowmobiling on your trip to Australia.

Our Options Plan policyholders will receive additional travel insurance cover for common scenarios relating to COVID-19.

It’s been a tough time for international travel adventures, so whenever you’re able to escape the everyday and explore the natural beauty of Australia or an overseas destination SafeTravel marks as safe during the current coronavirus pandemic, our COVID-19 travel insurance benefits can help give you peace of mind and extra confidence to book the trip you’ve been longing to take.

COVID-19 Cover Benefits

Our Options Plan travel insurance for Australia includes the following COVID-19 cover:

COVID-19 Overseas Medical Costs*#~
COVID-19 Amendment and Cancellation Costs*
Additional COVID-19 Expenses*

Important: Our COVID-19 benefits do not provide cover for claims related to government border closures or lockdowns. Cover is not provided on our Essentials Plan.

Want to know more about what we provide cover for when it comes to COVID-19? Read more about our COVID-19 cover here.

*Limits, sub-limits, conditions, and exclusions apply. For full details on exactly what’s covered, please read our see our Policy Wording document or visit our COVID-19 travel insurance FAQs page.

#For customers 70 years or over, reduced maximum limits may apply.

~Medical cover will not exceed 12 months from onset. We cannot pay for any medical costs resulting from COVID-19 if your claim directly or indirectly arises from cruise travel, or if you’re travelling to a country that is subject to “Do not travel” advice from SafeTravel at the time you enter the country or part of the country.

Planning to cruise on your Australian holiday? A cruise can be an incredible way to experience Australia, from journeying up the east coast to the Great Barrier Reef, to exploring our ‘Top End’.

All our Cover-More NZ policies automatically include travel insurance cover for cruises, so you can worry less about the costs if something goes wrong while you’re on board. Just another important reason why you should consider travel insurance for Australia.

Our travel insurance can protect you from:

Medical costs on board
Emergency evacuations
If you or your luggage miss the boat
Recover non-refundable expenses due to sudden illness, injury, or unexpected weather events

Read more on our cruise travel insurance page.

Can Cover-More help 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 Assistance – a global network of doctors, nurses, and logistical staff – who are there to help when you need it most.

Known for flooding, bush fires, and wild weather, parts of Australia 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 .

Australia’s wide-open spaces make it perfect for a road trip. One of the best ways to experience the country is by renting a car and seeing where the road takes you: whether that’s tackling the Great Ocean Road over a few days, meeting charming beach towns as you drive along the legendary Pacific Way, or an intrepid adventure completing the ‘big lap’ right around Australia’s coastline.

But before you go it’s important to ensure you have the right coverage when renting a vehicle.

Our International Options Plan includes a rental vehicle insurance excess up to a benefit limit of $10,000. This means that if you hire a car and happen to have an accident, cover is included for the rental vehicle’s insurance excess only.

You must have comprehensive motor vehicle insurance for the rental vehicle for the period of hire, and you must be the nominated driver on the rental car agreement.

No cover is provided on our Essentials Plan.

“Rental vehicle” means a campervan/motorhome that does not exceed 6 tonnes, SUV, sedan, station wagon, hatchback, people mover, coupe, convertible, four-wheel drive, mini bus, moped or motorcycle rented from a licensed motor vehicle or motorcycle rental company or agency.

Please note: refer to the Policy Wording for more information on motorcycle and moped cover as eligibility conditions apply.

Am I covered when riding a motorcycle/moped?

Do you intend to ride a motorbike or moped as part of your trip to Australia? Our policies can automatically cover riding a motorcycle or moped – whether you plan or driving or being a passenger on one. You do not need to buy additional coverage for this protection to apply.

You can only be covered for riding a motorcycle or moped if:

Whilst in control of a motorcycle/moped you hold a valid New Zealand motorcycle licence or New Zealand motor vehicle driver licence;
You hold a licence valid in the relevant country;
Whilst you are a pillion passenger, the driver holds a licence valid in the relevant country;
The engine capacity is 250cc or less;
You are wearing a helmet;
You are not participating in a professional capacity; and
You are not racing.

No cover applies for personal liability. You are responsible for any costs associated with damage to the motorcycle, moped or property, or injury to another person. Make sure you read the Policy Wording before purchasing, so you are aware of the terms and conditions, limitations and exclusions of coverage.

You can read more on our motorcycle travel insurance page.

Ready to protect your trip to Australia?

Please wait, generating your policy.

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
Travel Alerts COVID-19 International Travel Tool Cover-More App
Manage Policy
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

Campervan convoy through mountains in 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 .

Side view mirror photo of mountains, New Zealand

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.

Travel Insurance

Do I Need Travel Insurance to Visit Australia?

Posted by Caitlin Bingham September 7, 2023

Do I need travel insurance to visit Australia?

In some ways, citizens of New Zealand and Australia enjoy the benefits of both countries as if they are citizens of both. We can come and go to Australia as we please, and work and live there without work visas or permits. And in many ways, the same applies to healthcare.

New Zealand and Australia share a reciprocal healthcare agreement that covers both:

Medically necessary care as a public patient, including public hospital inpatient and outpatient services
Some prescription medicines

However, this isn’t a replacement for travel insurance. While you might be able to access free treatment should you need to go to A&E, it won’t cover a wide range of other medical expenses – such as private specialists, some prescription costs, or emergency transport, like an airlift back in NZ. Nor will it cover any additional accommodation, rescheduling of flights, lost luggage, personal liability or other issues that can arise when travelling abroad.

So while travel insurance is not required, and you can access some health care benefits in Australia without it, it’s always recommended you take out a travel insurance policy when travelling overseas.

Is there a separate travel insurance policy for visiting Australia?

Most travel insurance providers don’t have a separate OZ insurance policy. Instead, you typically choose from a selection of standard policies plus add-ons. However, while travel insurance policies remain fairly standardised, prices vary country by country.

Travel Insurance for Australia: what options are there?

Each provider has its own policies. Some might offer a single policy with many add-ons and customisation options, while others might opt for several policy options, such as: medical only, basic cover, comprehensive, and frequent flyer.

Below we’ve listed some common travel insurance inclusions, to help you decide which ones are most relevant or of concern to you:

Medical expenses (especially those not covered by the reciprocal healthcare agreement)
Cover before you depart
Emergency dental treatment
Cancellation fees and lost deposits
Additional accommodation and travel expenses due to illness or injury
Damaged or lost baggage
Personal liability should you injure or damage someone else or their property
Emergency companion cover (cover for you if your travel partner gets ill or injured)
Personal items if they are stolen or damaged
Rental car excess should you have an accident
Funeral costs

Other inclusions you may require, which are typically required as an additional add-on (for an additional expense)

Ski/snowboard cover
Sports cover (eg. if you’re going mountain biking)
Cruise ship cover

It’s also important to note that different policies will offer different levels of cover. Would you need $2000 to replace your luggage, or $5000?

It’s also worth noting that certain policies may allow you to adjust the level of cover for each inclusion.

Ultimately, you need to read carefully over the terms, and ask any necessary questions, to avoid confusion about what your policy covers.

Compare travel insurance with Canstar

Wherever you’re jetting off to in the world, arranging travel insurance before you leave is as essential as checking your passport is still valid. And to help you discover the best value cover, each year Canstar’s expert research panel awards the best travel insurance products and providers our Outstanding Value Travel Insurance Awards.

For coverage of this year’s winners and the complete rundown of our travel insurance star ratings, just hit the button below.

About the author of this page

This report was written by Canstar Content Producer, Caitlin Bingham. Caitlin is an experienced writer whose passion for creativity led her to study communication and journalism. She began her career freelancing as a content writer, before joining the Canstar team.

Enjoy reading this article?

You can like us on Facebook and get social, or sign up to receive more news like this straight to your inbox.

By subscribing you agree to the Canstar Privacy Policy

Share this article

Compare travel insurance.

Compare Outstanding Value Travel Insurance

Compare Travel Insurance By Destination

Outstanding Value Travel Insurance Awards

Your Money Checklist for Travelling Overseas

How to Renew a NZ Passport

Best Travel Sites

Quick Links

The only travel insurance that earns you Airpoints Dollars ™

Start your travel insurance quote

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.

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.

Follow us to keep up to date with competitions, giveaways and all things travel

**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.

Join CHOICE

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.

Airplane flying over water while in a clear bubble.

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.

United States
United Kingdom

New Zealand travel insurance

Ready to get moving see quotes and compare travel insurance policies for new zealand from over 13+ brands.

Use a comma or space to separate ages. Add kids under the age of 1 by typing a “0” 0 traveller(s)

Include travel deals and helpful personal finance content from Finder

By submitting this form, you agree to our Privacy & Cookies Policy and Terms of Service

Destinations

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.

Finder comprehensive travel insurance awards winner

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.

Finder travel insurance value awards winner

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.

Finder domestic travel insurance award winner

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.

Finder seniors travel insurance awards winner

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

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).

More guides on Finder

The best travel insurance policies are different for each individual traveller.

We take a look to see if you are fully protected by insurance if your Airbnb trip goes wrong.

South Korea has become a tourist hotspot in recent years, and is usually a very safe choice if you travel smart.

Everything you need to know about taking your pet overseas including rules for flying with pets and how to prepare for your trip.

Find out how travel insurance for trip disruption actually works and policies from Australian brands.

Find out how travel insurance covers accidental death and what will be paid from in the event of a claim.

Beware when swimming at Byron, Ballina, Bondi and Bells.

Learn more about travel insurance brokers, how they are paid and the way they can help you find comprehensive travel cover.

Is travel insurance a worthy investment? Find out why travel insurance is an invaluable travel item.

Guide to high-risk travel insurance: What is and isn't covered.

Ask a Question

Click here to cancel reply.

You are about to post a question on finder.com.au:

Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
finder.com.au is a financial comparison and information service, not a bank or product provider
We cannot provide you with personal advice or recommendations
Your answer might already be waiting – check previous questions below to see if yours has already been asked

2 Responses

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

How likely would you be to recommend finder to a friend or colleague?

Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.

Important information about this website

Advertiser disclosure.

finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles

We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.

Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.

How we make money

We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.

Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.

Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money .

Sorting and Ranking Products

When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.

Terms of Service and Privacy Policy

Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.

Domestic Travel Insurance
International Travel Insurance
Make a Claim
COVID-19 FAQs

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

*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.

Best Extended Auto Warranty
Best Used Car Warranty
Best Car Warranty Companies
CarShield Reviews
Best Auto Loan Rates
Average Auto Loan Interest Rates
Best Auto Refinance Rates
Bad Credit Auto Loans
Best Auto Shipping Companies
How To Ship a Car
Car Shipping Cost Calculator
Montway Auto Transport Reviews
Best Car Buying Apps
Best Websites To Sell Your Car Online
CarMax Review
Carvana Reviews
Best LLC Service
Best Registered Agent Service
Best Trademark Service
Best Online Legal Services
Best CRMs for Small Business
Best CRM Software
Best CRM for Real Estate
Best Marketing CRM
Best CRM for Sales
Best Free Time Tracking Apps
Best HR Software
Best Payroll Services
Best HR Outsourcing Services
Best HRIS Software
Best Personal Loans
Best Fast Personal Loans
Best Debt Consolidation Loans
Best Personal Loans for Bad Credit
Best Home Equity Loan Rates
Best Home Equity Loans
What Is a HELOC?
HELOC vs. Home Equity Loan
Best Free Checking Accounts
Best High-Yield Savings Accounts
Bank Account Bonuses
Checking Accounts
Savings Accounts
Money Market Accounts
Best CD Rates
Citibank CD Rates
Synchrony Bank CD Rates
Chase CD Rates
Capital One CD Rates
Best Hearing Aids
Best OTC Hearing Aids
Most Affordable Hearing Aids
Eargo Hearing Aids Review
Best Medical Alert Systems
Best Medical Alert Watches
Best Medical Alert Necklaces
Are Medical Alert Systems Covered by Insurance?
Best Online Therapy
Best Online Therapy Platforms That Take Insurance
Best Online Psychiatrist Platforms
BetterHelp Review
Best Mattress
Best Mattress for Side Sleepers
Best Mattress for Back Pain
Best Adjustable Beds
Best Home Warranty Companies
American Home Shield Review
First American Home Warranty Review
Best Home Appliance Insurance
Best Moving Companies
Best Interstate Moving Companies
Best Long-Distance Moving Companies
Cheap Moving Companies
Best Window Replacement Companies
Best Gutter Guards
Gutter Installation Costs
Best Window Brands
Best Solar Companies
Best Solar Panels
How Much Do Solar Panels Cost?
Solar Calculator
Best Car Insurance Companies
Cheapest Car Insurance Companies
Best Car Insurance for New Drivers
Same-day Car Insurance
Best Pet Insurance
Pet Insurance Cost
Cheapest Pet Insurance
Pet Wellness Plans
Best Life Insurance
Best Term Life Insurance
Best Whole Life Insurance
Term vs. Whole Life Insurance
Best Travel Insurance Companies
Best Homeowners Insurance Companies
Best Renters Insurance Companies
Best Motorcycle Insurance

Partner content: This content was created by a business partner of Dow Jones, independent of the MarketWatch newsroom. Links in this article may result in us earning a commission. Learn More

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

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

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

Each of the above insurance plans includes the following coverage:

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

How Do I Get Travel Insurance for New Zealand?

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

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

New Zealand Safety Tips

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

Crime and Safety

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

Day Trips, Tours and Excursions

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

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

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

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

Is Travel Insurance for a New Zealand Vacation Worth It?

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

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

Frequently Asked Questions About Travel Insurance for New Zealand

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

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

Do I need travel insurance for New Zealand?

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

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

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

What documents do I need to travel to New Zealand?

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

More Travel Insurance Resources

Travel Insurance

Travel insurance during the coronavirus pandemic..

Coronavirus has made it tricky to travel the world and on top of that many insurance companies have distanced themselves from providing cover during the pandemic. But there’s a solution.

Australia & New Zealand Travel Company is working with a reputable insurance provider that’s one of the very few insurers still supporting travellers. You can be covered for some of the coronavirus-related risks and make it possible to enjoy exploring Australia and New Zealand during these Covid-19 times.

A snapshot of the top Covid-19 travel insurance benefits

You can now get travel insurance with cover for many coronavirus-related expenses. For peace of mind when travelling, speak to your travel consultant today about the new domestic policies.

Then you’ll be free to book and enjoy your trip, knowing you have travel insurance benefits that cover some of the unexpected situations caused by Covid-19.

Here’s a brief summary of the best insurance benefits for Covid-19 travel that will come as standard with your policy. The policy does not cover snap border closure expenses, but does cover all of the below:

Coronavirus cancellations

Premium domestic travel plans automatically include cancellation cover up to $10,000 and you can add the amount of cancellation cover you require to your new international or inbound travel insurance policy and you’ll be covered for a range of costs arising from coronavirus-related changes and cancellations that couldn’t be anticipated.

Expenses & delays

If your travel plans have to change or your trip is cut short for a range of reasons related to Covid-19, new international and domestic travel insurance plans include cover for many of the cost typically involved. If your trip is within Australia or New Zealand, cover is provided for unexpected coronavirus-related disruptions to special events and travel delays

A guide for insurance policy prices

To give you an indication of how much travel insurance can cost, the below policy prices are based on the average fees for 14 days travel.

If your tour is longer than 14 days or you are over 79 years of age, please call us for a quotation.

If you intend to travel overseas, the new inbound and international plans are ready for the increase in travel as soon as government restrictions ease. If a qualified medical practitioner diagnoses you with coronavirus while you’re travelling, the new plans could help with the cost of the overseas medical treatment that you receive.

Call us on 1300 168 910 for information about travel insurance options and booking conditions .

A closer look at coronavirus travel insurance options

Here’s a handy summary of the cover each of the Covid-19 travel insurance benefits provides:

Insurance for Covid-19 travel cancellation and amendment costs

We always recommend getting your travel insurance policy as soon as possible after making your bookings. This is now more important in the current environment. $10,000 cancellation cover is included on premium domestic travel plans and can be added to international and inbound travel insurance policies. Buying travel insurance soon after you book gives immediate cover for many costs if your arrangements are cancelled or changed due to Covid-19.

Here are the main Covid-19 situations included in this cover:

Your personal circumstances are affected by Covid-19: • You can’t depart for your trip because you have been diagnosed with Covid-19 by a qualified medical practitioner • You’re an essential healthcare worker and Covid-19 has caused your leave to be cancelled • An Australian or New Zealand resident business partner or relative, who is not travelling with you, has been diagnosed with a life-threatening infection of Covid-19 by a qualified medical practitioner and you have to change or cancel your trip

Your host’s circumstances are affected by Covid-19: • If you can no longer stay with someone as planned in Australia or New Zealand, because they have been diagnosed with Covid-19 by a qualified medical practitioner or required to quarantine by their public health authority, we provide up to $150 a night for alternative accommodation Your prepaid expenses in Australia or New Zealand are affected, for example: • Your prepaid accommodation is closed for deep-cleaning after a coronavirus outbreak • The venue of a prepaid experience is closed due to possible Covid-19 contamination

Travel insurance with overseas coronavirus medical cover

Many Australians need or want to travel overseas, but are concerned about what it could cost if they become infected with coronavirus while in another country. To help you travel to where government restrictions allow, our travel insurance can provide cover for medical expenses related to Covid-19.

If you’re diagnosed with Covid-19 by a qualified medical practitioner during your overseas travel, while you are suffering from the infection our cover includes: • Medical treatment costs • Ambulance costs Our Covid-19 travel insurance does not provide medical cover if: • Your claim involves a multi-night cruise • You visit any part of a country while it has a ‘do not travel’ rating from Smartraveller

Travel insurance for extra Covid-19 costs

Travel has always come with surprises – some good, some not so good. Travel insurance exists to cover most unexpected challenges and this continues in today’s world, where there’s the potential for a wide range of costs to arise from Covid-19. In addition to travel cancellation and medical costs mentioned above, our new international and domestic travel insurance policies can provide cover for extra expenses you have to pay. Here are the main situations included in this cover:

Your personal circumstances are affected by coronavirus: • You’re diagnosed with Covid-19 while on your trip • A public health authority requires you to quarantine or isolate Cover for these two situations is not available if: • Your trip has included a multiple night cruise at any stage • You visited any part of a country while it had a ‘do not travel’ rating from Smartraveller A business partner or relative is diagnosed with coronavirus: • An Australian or New Zealand resident business partner or relative, who is not travelling with you, has been diagnosed with a life-threatening infection of Covid-19 by a qualified medical practitioner and you have to return home

Your host or prepaid accommodation is affected by coronavirus • You can no longer stay with someone as planned in Australia or New Zealand because they have been diagnosed with Covid-19 or required to quarantine • Your prepaid accommodation is closed for deep-cleaning after a coronavirus outbreak

Exclusions that apply to this coronavirus travel cover

To get a clear picture of what can and can’t be covered during the Covid-19 pandemic, we strongly recommend you’re fully informed before you buy travel insurance cover. It’s important to realise that some of the coronavirus travel insurance benefits only apply if you are travelling within Australia and New Zealand.

Here’s a quick summary of scenarios will not be covered, if they arise from or are caused by Covid-19: • Will not help with costs or expenses related to cross area, border, region or territory travel if they are a result of a mandatory quarantine or isolation order enforced by a government or public health authority • If your destination has a ‘do not travel’ warning on the Smartraveller website , cover doesn’t apply • Cover is not provided for claims related to government directed border closures • Insurance won’t help if your claim arises from the threat – or perceived threat – of Covid-19

Please note: Your circumstances including age, location, medical condition or issue, proximity to appropriate medical care and medical history will be considered when applying for travel insurance and subject to approval. Cover is subject to conditions, exclusions, limits and sub-limits of the policy. Travel On Demand Pty Ltd (ABN 11 642 241 914) trading as Australia & New Zealand Travel Company, distributes these insurance products for Easy Travel Insurance which is administered by Cover-More Insurance Services Pty Ltd (Cover-More) ABN 95 003 114 145, AFSL 241713) and issued by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Any advice provided is general advice only. Please consider your financial situation, needs and objectives and read the Product Disclosure Statement (PDS) before deciding to buy this insurance. For disputes, changes, cancellation or any questions, please contact the insurance provider directly. Policies may not be available to all travellers. Limits, sub-limits, conditions, exclusions and fees apply. Australia & New Zealand Travel Company receives commission for insurance policies sold.

Search trips

Blog topics, latest articles.

Sunshine Coast Competition Winner
Lord Howe Island, what’s to love?
Cairns Holiday Winners
Norfolk Island Subscriber Competition

Destinations

*A&NZ Top Trips
Islands Indian Ocean
Islands Pacific Ocean
New South Wales
Northern Territory
South Australia
Western Australia
NZ North Island
NZ South Island
Norfolk Island
Solo Travellers

Sign up for the best deals

Your First Name:

Email Address:

Country Where you live Australia New Zealand Europe North America South America Asia Pacific Other

Need Assistance?

By phone: 1300 168 910 or email: [email protected].

Travel is back, that means our phones are busy but we don't want to leave you holding on. The quickest way to get in contact is to email [email protected] or [email protected] . We can offer you the expertise you would expect in planning a fantastic trip to any of our destinations. Please contact us today for more information on our wide selection of travel experiences in Australia and New Zealand.

Helpful Links

Booking Conditions
Traveller Reviews
Book with Confidence
Travel Agents
Privacy Policy

Travel Styles

Beach Break
Independent
Island Getaway
Outback Escape

Search this website

IMAGES

New Zealand Travel Insurance Guide
New Zealand Travel Insurance Claims Infographic
4 reasons you need travel insurance for Australia and New Zealand
Travel Insurance for Australian and New Zealand Travellers
How to Pick the Best Travel Insurance for Your New Zealand Trip
Worldcare Travel Insurance New Zealand Advertisement 2016

VIDEO

New Zealand Travel Insurance
👩‍⚕️🩺 What Should Travel Insurance for New Zealand Cover?
⚕️ Essential Things To Know For Medical & Travel Insurance For New Zealand?
NZTD: How to complete your New Zealand Traveller Declaration (full version)
12 Essential NEW ZEALAND TRAVEL Tips!
🗺️ Ask this before buying a medical & travel insurance

COMMENTS

Travel Insurance
Limits, sub-limits, conditions, and exclusions apply. Standard excess may apply. AMI Travel insurance is administered by Cover-More NZ Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand.
Travel insurance for Australia
Our International Comprehensive policy provides comprehensive travel insurance for your trip to Australia. All International Comprehensive customers have access to our worldwide Emergency Assistance team, who can be contacted 24 hours a day, 7 days a week. Our comprehensive International Comprehensive insurance includes cover for:
Australia Travel Insurance
Get a travel insurance quote now with 1Cover. Find out about our range of travel insurance options for Australia, and read our handy resources to ensure you have a safe and happy holiday. ... lets New Zealanders access limited medical services. This means New Zealand citizens/residents in Australia are covered for in-patient public hospital ...
Travel insurance for New Zealand
Travel insurance can help provide you peace of mind in the event any unforeseen events disrupt your trip or cancel it altogether.Your policy may include a number of benefits, depending on your level of cover, including: Medical cover, as Australia and New Zealand's Reciprocal Health Care Agreement with each other will typically only cover emergency medical treatment.
Travel insurance for visitors to Australia
Travel insurance for overseas visitors, sometimes called inbound travel insurance, is for non-Australian residents who plan to travel to Australia. For example, if you are currently in the ...
Travel Insurance For New Zealand: A Guide
Yes, Air New Zealand offers travel insurance if your travel commences in Australia. There are certain inclusions and exclusions—as with any policy—but Air New Zealand does state that it covers ...
Travel Insurance Australia
Travel insurance for your trip to Australia is a must! Travel delays, cancellations and lost luggage happen across the Tasman too. Get a Travel Insurance Quote with TINZ Today! ... New Zealand and Australia share reciprocal healthcare agreements meaning you will have access to government medical facilities and care while travelling in Australia ...
Four Reasons You Need Travel Insurance For Australia and New Zealand
Here are just a few reasons we suggest buying travel insurance for Australia and New Zealand vacations. 1. The flight won't be cheap. Flights from the United States to Australia routinely cost more than $1,000 per person. Most direct flights (about 11 to 18 hours) depart from Los Angeles, although you can also fly nonstop from Honolulu, San ...
Australia Travel Insurance
Compare our travel insurance for Australia. ~Medical cover will not exceed 12 months from onset. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. **Limits apply to subsections 2 and 6f. *Limits, sub-limits, conditions and exclusions apply. Please read the Policy Wording before deciding if our travel ...
Travel Insurance for New Zealand Holidays
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 ...
Travel Insurance
Standard excess may apply. State Travel insurance is administered by Cover-More NZ Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. For further information see Zurich New Zealand's financial strength rating. Any advice is general advice only.
Travel Insurance For A Trip To New Zealand
Baggage and personal items. The average cost of travel insurance for a trip to New Zealand is just $260, according to a Forbes Advisor analysis of travel insurance rates. Generally, the cost of ...
Do I Need Travel Insurance to Visit Australia?
In some ways, citizens of New Zealand and Australia enjoy the benefits of both countries as if they are citizens of both. We can come and go to Australia as we please, and work and live there without work visas or permits. ... Travel Insurance for Australia: what options are there? Each provider has its own policies. Some might offer a single ...
AA International Travel Insurance
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").
Air New Zealand Travel Insurance
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 ...
Best Travel Insurance for New Zealand
Travellers can choose between three main types of travel insurance policy for New Zealand: Single trip: for a one-off trip in the space of 12 months. Annual multi-trip: for more than one trip in ...
New Zealand Travel Insurance
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 ...
Do you need travel insurance to go to 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.
New Zealand travel insurance
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 ...
AA Travel Insurance
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").
Travel Insurance for a New Zealand Vacation (2024)
The following quotes are based on a 35-year-old traveler from South Carolina traveling to New Zealand for two weeks in December. The total trip cost is $2,800. Travel Insurance Provider. Most ...
Travel Insurance to New Zealand
If you're travelling on a budget, and looking for cheap travel insurance to New Zealand, then 1Cover's Medical Only policy offers a cheaper alternative to comprehensive travel insurance. ... Australia, principal place of business at Level 19, 20 Martin Place, Sydney NSW, 2000. 1Cover's postal address is PO Box 6798, Baulkham Hills, NSW 2153 ...
Travel Insurance
Age 70-79 years: $40 per person. Premium $10,000 cancellation for domestic coverage in Australia & New Zealand. Age 18-69 years: $95 per person. Age 70-79 years: $125 per person. If your tour is longer than 14 days or you are over 79 years of age, please call us for a quotation. If you intend to travel overseas, the new inbound and ...

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

Great options to suit your travel within New Zealand or overseas

Overseas cover & annual multi-trip cover

Domestic Cover

Inbound Cover - Visiting NZ

Travel Cover During Covid-19

Compare our Travel Cover Plans

Travel safety

Travel tips

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

Dates of Travel

Return date - (Travel end date)

Traveller Details

Quick Links

Travel insurance for Australia

Do New Zealanders need travel insurance for Australia?

What will my insurance policy cover in Australia?

Does my policy cover medical emergencies and hospital bills?

Am I covered for stolen or damaged phones, cameras and laptops?

Am I insured for rental vehicle excess?

What you need to know

We're here to help

Related articles

Trip Details.

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

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

Are all travellers under 19 your children or grandchildren?

Age limit exceeded.

Single Trip | Annual Multi-Trip

24/7 Emergency Assistance

Cancellation Cover

Travel Delays

Family Emergency

Rental vehicle Excess

Gadget cover

Longer cover

Cruise cover

Australia traveller's guide

Best time to visit

Need to know tips

Getting around

What to eat

Where to go

TRAVEL INSURANCE OPTIONS

DOMESTIC TRAVEL

SKI INSURANCE

ADVENTURE ACTIVITIES

GROUP BOOKINGS

SPECIFIC ITEMS

PRE-EXISTING MEDICAL CONDITIONS

FREQUENT TRAVELLER TRAVEL INSURANCE

AUSTRALIA TRAVEL INSURANCE FAQS

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

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

Q. Am I covered for all water sports downunder?

q. Which activities are excluded?

Q. How do alcohol and drugs affect my cover?

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

Q. Are kids covered for free?

Because life’s a trip

Before You Buy

Four Reasons You Need Travel Insurance For Australia and New Zealand

Get a Quote

Age of Traveler

Share this Page

Popular Travel Insurance Plans

Return To Log In

Travel Insurance You Can Trust

What country are you going to?

When are you going?

Who is travelling?

Travel Insurance for Australian Holidays

Overseas Medical Cover

Cancellation Cover

24/7 Emergency Assistance

What level of travel insurance do I need for Australia?

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

Do I need travel insurance for Australia if I’m from New Zealand?

Options Plan

COVID-19 Cover Benefits