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Travel safe with new zealand's most trusted travel insurer ^, get a quick travel insurance quote, win your ultimate $10,000 getaway~.

Whether your ultimate getaway is soaking in the Amalfi Coast, or taking on that dream African safari, $10,000 could go a long way in escaping for your ultimate getaway! All you need to do to enter is buy an International Comprehensive or Domestic travel insurance policy between midnight 1 April and midnight 31 May 2024 and you’ll automatically go in the draw. 

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Why choose Southern Cross Travel Insurance?

+ Based upon the total number of travellers trips we have insured across the markets where we operate for all our travel insurance products from January 1995 to October 2023. # Based upon the total number of claims we paid as a proportion of all claims we received across the markets where we operate for all our travel insurance products from 1 January to 31 December 2023.

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With Kiwi travellers for over 40 years

SCTI is part of the Southern Cross group; one of New Zealand’s most enduring and trusted brands. We’re 100% New Zealand owned, and have worked hard to forge a reputation as our country’s leading travel insurer. During this time, we're extremely proud to be recognised both locally and internationally for our commitment to delivering quality products, value for money and dedication to customer service.

See all our awards

Award-winning service as voted by YOU for 5 years running

We’re proud to win the Reader’s Digest Quality Service Award for the 5th year in a row. Our team is dedicated to providing you with outstanding service throughout every stage of your adventure.

What is travel insurance?

Travelling is all about discovering the unknown, so it’s no surprise that there can be a few hiccups along the way! Travel insurance is designed to better protect you from these unexpected events, from the moment you book your trip to the day you return home. Whether you have an unexpected flight delay or medical emergency, we’re here to help. Let us worry about what could go wrong, so you can start dreaming about what will go right.

How to compare travel insurance

What can travel insurance cover?°

We offer cover for unexpected events, so you can travel with peace of mind. We know each traveller and trip is different - that’s why we offer different policies and add ons so you can choose the type and level of cover you need - which may, or may not, include some of the scenarios below. As with any insurance policy, terms, conditions and exclusions apply so always make sure you read the Policy Document  before buying your travel insurance policy to make sure it is right for you.

If you are diagnosed with COVID-19 before you leave, or while on your journey, we offer cover in some scenarios

° Please refer to the individual Policy Documents to see what your chosen policy covers.

See what's covered

We offer travel insurance that suits how you want to travel

We know how important it is to make sure you have the right type - and level - of cover, so we have different travel insurance policies to suit different types of travel, and the ability to personalise your cover to suit you with our optional add-ons. Whether you’re heading to Fiji for some R&R, London for an OE or Queenstown to hit the slopes, we’re with you.

Have questions?

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What our customers have to say about us

Need some inspiration.

When it comes to travelling, there’s always room for the unexpected to happen, that’s why we provide 24/7 emergency assistance and a simple process to make a claim on our website.

With New Zealand travellers for over 40 years

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• Travel Insurance

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

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

Great options to suit your travel within New Zealand or overseas

Overseas cover & annual multi-trip cover

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

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

Find out more

Domestic Cover

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

Inbound Cover - Visiting NZ

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

Travel Cover During Covid-19

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

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

Still unsure? Ask us a question

Compare our Travel Cover Plans

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

Policy benefits

Medical and dental expenses

Additional expenses

Amendment or cancellation costs

Luggage and travel documents

Delayed luggage allowance

Rental vehicle insurance excess

Travel delay

Resumption of journey

Missed connections

Special events

Hospital incidentals

Loss of income

Accidental death

Legal expenses

Personal liability

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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.

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Travel Insurance Quotes

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

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

Worldwide means anywhere in the world

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

Europe means all European countries, including UK

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

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

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

New Zealand means domestic travel within New Zealand only

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

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

WHY KIWIs LOVE COMPARE TRAVEL INSURANCE

No Hidden Fees

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

Great prices

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

Data Protection

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

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

Feel secure

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

Product choice

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

Travel Insurance Extraordinaire At Your Service

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

Travel Insurance  Frequently Asked Questions

Does travel insurance cover coronavirus(covid-19).

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

Which is the best travel insurance in New Zealand?

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

Is it too late to buy cover?

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

Can I get cover for my medical conditions?

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

Can I purchase travel insurance at the airport?

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

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

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

Does travel insurance cover pregnancy?

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

Do I need cover in New Zealand?

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

Which is the cheapest policy?

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

Why should I buy travel insurance direct online?

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

Trending Tips And Guides

What activities are covered?

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

Pre-existing medical conditions

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

coronavirus and travel insurance

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

Why Buy Travel Insurance?

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

Exxy Medical Costs

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

Disasters Can Strike

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

Your stuff is important

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

For your peace of mind

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

Because You Have To

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

TRAVEL INSURANCE REVIEWS

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

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

Our Travel Insurance Comparision Helps You

Save time, worry and loads of money.

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Your privacy is important to us.

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

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

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• Travel Insurance

Canstar’s Best Value Travel Insurance NZ

Posted by Bruce Pitchers November 21, 2023

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

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

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

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

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

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

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

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

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

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

Canstar’s Travel Insurance Awards

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

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

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

Canstar’s Outstanding Value Travel Insurance Award Winners 2023

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

Outstanding Value: International Travel Insurance

House of travel, southern cross travel insurance.

Outstanding Value: Trans-Tasman Travel Insurance

Outstanding Value: South Pacific Cruise Travel Insurance

Outstanding Value: Seniors Travel Insurance

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

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

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

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

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

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

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

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

Compare Travel Insurance with Canstar

About the author of this page

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

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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 Alert: Important Information Regarding Coronavirus COVID-19 Benefits Now Available

Key benefits of Cover-More travel insurance

COVID-19 Cover

We provide COVID-19 Benefits on our Options Plan (both Single Trip and Annual Multi-Trip policies) to help you travel within New Zealand and overseas with greater confidence.

Luggage and Travel Documents

We offer up to $25,000^ cover for luggage and travel documents on our International Options Plan . This provides protection for items such as cameras, laptops, and mobile phones.

Emergency Assistance

Our policyholders have 24/7 access to our emergency assistance team. They’re here to help ensure you are safe, well, and can keep travelling.

Travel Delay/Cancellation

We automatically include coverage for travel delay of over six (6) hours, up to $2,000. For cancellation cover, you can customise your policy by selecting an amount that suits your needs.

Access to Virtual Care

Our Cover-More customers can access our Virtual Care service for free. If you’re feeling ill and our Emergency Assistance team believes you're eligible for support via a virtual doctor (for example, you don't require a physical exam), we can provide you with access to booking a virtual consult at a time that suits you.

Rental Vehicle Insurance Excess

If you’re hiring a vehicle on your holiday – or driving your personal vehicle on a domestic trip – our premium Options Plan can help protect you by providing cover for your excess amount if you’re involved in an accident.

Types of travel insurance cover we offer

International

A trip of a lifetime overseas can be costly and sometimes scary if you have to visit a foreign hospital. Our 24/7 emergency assistance team is there to help policyholders navigate foreign hospitals, and to organise payment for medical services. A case of gastro in the USA once cost over $100,000.

Existing Medical Conditions

Our premium Options Plan and budget-friendly Essentials Plan can provide automatic cover for over 35 conditions, and we’ll consider all other existing medical conditions. To find out if you’re eligible for cover, simply declare all your medical conditions when generating a quote.

Our travel insurance policies automatically include cover for cruise ship related claims. Any injuries or accidents onboard the ship aren’t covered by ACC, and ACC won’t cover the cost of transporting you home. That’s where travel insurance comes in.

Annual Multi-Trip Policy

Travel frequently? Annual Multi-Trip policies are ideal for travel enthusiasts who expect to take a few trips each year. You can purchase an Annual Multi-Trip policy on either our Options or Essentials Plans, saving you from organising a new policy every time you travel.

Exploring New Zealand? Our Options Plan can help protect your domestic trip from unforeseen incidents if you’re travelling more than 100km from your home or spending at least one night in paid accommodation.

For Seniors

Celebrate the golden years and travel the globe. It’s time to ticket items off that bucket list. Our plans offer existing medical assessments for travellers who require cover for medical conditions.

Adventure Sports

Love the outdoors and adventure? Our policies include a number of adventure sports including jet-skiing, parasailing, snorkelling, and more. Adventure sport accidents can be painful. Protect yourself and your finances.

Looking to save on travel insurance so you can spend more on your trip? Make sure you have a look at our Essentials Plan, providing great cover at an affordable price.

Ski & Winter Sports

If you’re hitting the slopes on your next trip, consider including our Snow Sports option in your policy. If you’re on-piste snow skiing, snowboarding and snowmobiling, or cross-country skiing, we can provide emergency medical cover and more. 

Travel insurance: w hat’s the big deal?

Everyone hopes that their trip goes smoothly, sometimes that isn’t always the case. From skiing accidents in Vancouver to insect bites in Thailand, travel insurance can help protect you from the unexpected. Our 24/7 Medical Assistance team are there to help with emergencies while on your trip, and our Claims team are available to help process your claims. We encourage our customers to read the Policy Document before purchasing a policy to ensure you know what you’ve got cover for. Read more about why you should consider travel insurance .

Cover-More customer reviews

Cover-More travel insurance was reviewed on 28 February 2024 on Google and rated 4.6 stars based on 419 reviews.

Senka contracted Dengue fever in Bali, Indonesia, and spent five days in the hospital.

"When I was in hospital I spoke to Cover-More every day, and because I was in Bali on my own that was so reassuring."

Claim cost: $1,637

Diane’s father, John, fractured his hip on holiday in Australia and required surgery.

"Cover-More has been absolutely fantastic, I cannot fault them. They were in touch with me every day and they checked up on us to make sure dad was OK."

Claim cost: $10,933

Tom suffered a stroke on the first day of his holidays on the Cook Islands and had to be repatriated home.

"With all the help and care that I got, I’ve really dodged a bullet, and I couldn’t ask for anything more."

Claim cost: $114,780

Cover-More can protect your next trip with:

• 24/7 emergency assistance
• Online claims portal
• Choice of excess levels
• Options to vary your cover, including cancellation, snow sports, and luggage and personal effects
• Unlimited+* overseas emergency medical expense cover on our International Options Plan
• 21-day cooling-off period~

Travel insurance FAQs

Travel insurance is a specific type of insurance that helps cover a number of costs and disruptions associated with travelling both domestically and overseas. Levels of cover differ per policy, however, travel insurance typically protects against trip cancellation, delays, lost luggage and personal belongings, medical expenses and repatriation, and personal liability.

Most travel insurance providers offer single or multi-trip policies, which can cover multiple countries within a specific timeframe. The destination, length of trip, specific activity add-ons and pre-existing medical conditions all help determine the cost of a travel insurance policy. Policies can be purchased at the time of booking a trip up until the time a traveller leaves their home.

Travel insurance varies for individual travellers based on the options selected by them, so prices vary from person-to-person. The cost of a travel insurance policy is determined by:

• Age of traveller/s: the older the traveller, the higher the policy cost may be.
• Number of travellers included in the policy: a higher number of travellers creates more variables, therefore increasing risk.
• Length of trip/s: a single trip policy is generally around half the amount of a multi-trip policy, making the latter more cost-effective for frequent travellers, while shorter trips often pose less risk of medical incidents and travel interruptions, resulting in lower costs.
• Destination/s: costs vary greatly depending on the countries and regions covered by a policy. For example, regions such as Europe will often be cheaper than trips to the USA because of the high cost of medical treatment in America.
• Level of coverage: travellers can opt for cheaper travel insurance as well as comprehensive, more expensive plans to cater to their different needs.
• Existing medical conditions: a customer’s policy will increase if their medical history shows an increased risk of possible medical treatment requirements while travelling.

While a cheaper policy cost upfront may seem appealing, always read the Policy Wording to ensure your needs are adequately covered should an incident occur.

Travel insurance protects you when travelling domestically or internationally by providing coverage against unforeseen circumstances that may negatively impact your travel plans.

By purchasing travel insurance prior to departure, your policy can help cover the costs of trip cancellations should you no longer be able to travel, as well as the costs of medical treatment, lost passports and personal items while you’re travelling. The customer usually pays for these costs upfront, before being reimbursed by the travel insurer upon claim approval.

To approve a claim, travel insurers require documentation such as a police report or medical bill to confirm the incident occurred.

Always read the Policy Wording before purchasing a travel insurance policy to ensure it provides adequate coverage for your circumstances.

Unfortunately, travel insurance can’t cover absolutely everything. This highlights the importance for travellers to read the Policy Wording before purchasing to avoid becoming frustrated when claims are unsuccessful. It will contain details on the situations you likely won’t be covered in, including:

• Cancellation: simply changing your mind prior to your trip may not be sufficient for a successful claim.
• Pre-existing conditions: if medical conditions aren’t disclosed or covered by the policy at time of purchase, exclusions may apply to coverage related to those conditions. 
• Theft or loss of belongings while left unattended: travellers must take care of their belongings as they would as home.
• Incidents occurring as a result of reckless behaviour: claims arising from excessive drinking or taking recreational drugs will likely be rejected.
• Winter and adventure sports: claims resulting from participation in high-risk sports will be void unless covered by the policy.
• Terrorism and extreme weather events: travelling to specific regions against the advice of the government or your insurer may result in unsuccessful claims because the events are no longer unforeseeable circumstances.

For full details of exclusions within a travel insurance plan, consult the Policy Wording.

Purchasing a policy soon after a trip is booked has a number of benefits and increases a traveller’s protection.

When purchased ahead of time, a traveller can cancel their travel insurance policy for a full refund within the cooling-off period. If the policy is purchased before the customer leaves their home to depart for their trip, claims for rearrangements and cancellations caused by unforeseen circumstances can also be made.

By considering travel insurance as an essential part of booking a holiday - not an afterthought when at the airport - travellers are likely to be covered should an incident arise before take-off.

See all travel insurance FAQs .

*Medical cover will not exceed 12 months from onset. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to the Inbound medical section. Emergency dental expenses are limited to $1,500. ~Cooling-off period is available if you wish to cancel your policy within 21 calendar days of the date of purchase and you have not made a claim under the policy or departed on your journey.

Read our disclosure information under the Financial Markets Conduct Act 2013

Please wait, generating your policy.

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

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

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

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

7 Reasons to Get Health and Travel Insurance for New Zealand

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

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

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

Does New Zealand Require Travel Insurance?

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

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

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

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

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

Insurance for Working Holidays and International Students

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

How Much Does Healthcare Cost in New Zealand?

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

8 Things to Compare in Between New Zealand Travel Insurance Policies

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

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

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

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

2. Compare the Excess Costs

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

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

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

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

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

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

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

4. What Do the Policies Exclude?

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

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

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

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

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

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

6. Compare How Travel Insurance Companies Handle Claims

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

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

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

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

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

8. Check the Underwriting Company

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

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

What’s the Best Travel Insurance for New Zealand?

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

The Best New Zealand Travel Insurance for Visitors

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

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

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

More About Travel Insurance for New Zealand

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

• 14 Questions to Ask Before Buying Travel Health Insurance
• How to Get a Medical Prescription in New Zealand
• Things to Know Before Seeing a Doctor in New Zealand

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

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

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

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

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

About The Author

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

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

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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.

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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.

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Booked a trip? TINZ are a specialist New Zealand Travel Insurer offering cover to Kiwis for unforeseen events during travel. 

24/7 EMERGENCY ASSISTANCE

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

CANCELLATION COVER

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

TRAVEL DELAYS

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

TERRORISM COVER

 If you’re caught up in an act of terror, we’ll pay for your flight home, cover medical costs and in some cases provide you with reimbursement for trip cancellation.

RIDING A MOTORBIKE OR SCOOTER

You’re covered on two wheels, so long as you’re wearing a helmet and the driver holds a valid licence recognised in the country you are travelling.

GADGET COVER

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

CHOICE OF COVER

Whether you’re after the bare essentials or fully comprehensive cover, TINZ offers a range of options to suit all types of travellers and budgets.

CRUISE COVER

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

TRAVEL INSURANCE OPTIONS

Get cover for the things you love. Whether you’re travelling in New Zealand or overseas, you're an avid skier, an adrenalin junkie, a gadget freak or a high-end holidaymaker, TINZ has the extra cover you’re looking for.

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.

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ADVENTURE ACTIVITIES

GROUP BOOKINGS

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

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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.

LATEST ARTICLES

Travel insurance - the complete guide.

You've been dreaming about your holiday, the perfect break, the dream trip, what could go wrong? The truth is, on holiday, things often do. Perhaps the airline loses your luggage, or you're unlucky enough to get injured or become sick. Either way, taking the time to choose the travel insurance is a worthwhile investment. Our complete guide to travel insurance has you covered!

5 STAR TRAVEL INSURANCE

It's not just our customers that love us, our travel insurance products have been independently rated with  five stars by Canstar.

Cancellation cover can trip up many a conscientious traveller. Keep reading to get the low-down on TINZ's cancellation cover .

Most travel insurers exclude terrorism. However, Travel Insurance New Zealand covers you for cancellation, medical expenses and more. 

TRAVEL INSURANCE FAQ'S

We understand that travel insurance can be confusing, here are some of our most common questions.

Q. Can I buy a policy if I have already departed New Zealand?

Q. i am currently still on my trip and my policy ended, can i extend my policy, q. does tinz cover natural disasters, q. am i covered for riding a motorbike overseas.

• Yes, you’re covered to ride a motorbike provided that: - You are licensed to ride a motorbike in New Zealand. - You hold a valid motorbike licence for the country you are in. - You wear a helmet at all times while riding. You can ride a motorcycle that is the same capacity you are licensed to ride in Australia. If your licence restricts the engine size you can ride, then you will need to stick to that when you are away. Learn more in our guide to riding motorbikes and scooters overseas.

Q. What doesn’t travel insurance cover?

• It's important to be aware that all travel insurance policies have 'exclusions'. So, there are some things that we just can't cover you for. These certainly aren’t secret and can be found in our policy wording, but we want to highlight some of the things you’re unlikely to be covered for so that you can make smart decisions when heading on holiday. - You are generally not covered for reckless behaviour or deliberately putting yourself in harms way. - Not taking care of your personal belongings, such as leaving your things behind in public places. - You’rer not covered if you were drunk and the consumption of alcohol contributed to your loss. As for illegal recreational drugs, you're definitely not covered. - We have a general exclusion in relation to pandemics and epidemics. - You are not covered for pre-existing medical conditions that you failed to tell us about or take cover for. - You are not covered for events already known in the mass media at the time of purchasing your policy. Even though our policies have these exclusions, all TINZ customers are entitled to lodge a claim for review, which would be assessed based on individual facts and circumstances.

Q. Does TINZ cover pre-existing medical conditions?

• Yes, don't let an existing medical condition get in the way of your travels. We cover 35 medical conditions automatically for free. Any other conditions need to be declared through our easy online medical assessment. See more information about pre-existing illnesses here.

Q. Am I covered for a family emergency?

• Both TINZ’s Comprehensive & Comprehensive plans cover for additional travel expenses such as your return flight to New Zealand if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies)

Q. What sports activities are covered by TINZ travel insurance?

• TINZ gives you the freedom to take that heart-pounding leap - worry free! Our optional Sports & Activities Cover provides you with cover for a range of more adventurous activities not covered under a standard policy. We cover things like cycling, snorkelling (depth limits apply) and water skiing for free. We offer extra cover for activities like canyoning, abseiling, trekking above 3000 meters. See our sports adventure activities page for more information.

Q. What is TINZ’s terrorism cover?

• While many travel insurers exclude cover for cancellation fees and lost deposits in the event of terrorism, under our Frequent Traveller and Comprehensive Plus plans we allow you to cancel in the event that MFAT travel warnings restrict you from travel. We provide $10 million worth of medical cover if you’re injured in a terror attack. Conditions apply. See more information about our terrorism cover here.

TRAVEL FACTS

Extortionate overseas medical fees, missed flight fails and holidays hurdles - these travel facts will convince you to never go abroad without a travel insurance policy again!

$50,000 is what it costs for 14 days of medical treatment in Thailand

25% of travellers admit to missing a flight

112,000 Kiwis chose to cruise each year

60% of travellers say they gain at least two kilos on holiday

28% of people fail to protect themselves on holiday

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

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

Travel insurance consumer guide

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

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

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

Credit card travel insurance

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

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

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

Shop around

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

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

Find out more about travel insurance to cover:

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

Buy before you fly

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

Read your policy wording

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

Some common exclusions

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

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

Disinclination

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

International students and seasonal workers

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

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

Feeling adventurous?

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

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

Driving overseas

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

High-value items

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

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

Check for travel advisories

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

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

Keep your receipts

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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Travel Insurance

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Worldcare Travel Insurance Choose from our range of travel insurance plans.

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

Cancellation and Travel Disruption Benefits

Medical Benefits

Life Benefits

Personal Liability Benefits

Baggage, Personal Effects and Money Benefits

Worldcare travel insurance benefits.

Worldcare Travel Insurance plans provide specified levels of cover from cancellation to extended benefits like travel disruption, medical, life, baggage, personal effects, money and personal liability. Whether you’re travelling locally or abroad, all Worldcare plans include 24-Hour Emergency Assistance.

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

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

Cover for Pre-existing Medical Conditions

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

Selecting your Travel Insurance Plan

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

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

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

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

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

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

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

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

Allianz Partners website | Terms and Conditions | Privacy Policy .

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We’ve got you covered for COVID-19

* This policy provides cover for costs incurred from having to cancel, curtail or change your trip because you contract COVID-19 and it is first diagnosed after the policy is issued. The Policy also provides cover for overseas medical emergency expenses incurred on your overseas trip, and transportation of remains or burial if you die during your trip, as a result of you having contracted COVID-19 which was first confirmed or diagnosed while on Your Trip (unless you were COVID-19 positive when your trip began, or you travel against a government issued “Do Not Travel” warning or border closure).  

We do not cover trip cancellation, curtailment or change due to border closures caused by COVID-19. Limits apply and vary with each plan. See the Policy Wording for full terms, conditions and exclusions.

• Cover at a Glance

Cover for COVID-19

Cover for overseas medical expenses, emergency medical evacuation, and trip cancellation, curtailment or change, due to your COVID-19 diagnosis. See details above.

Medical Expenses

Provides cover for repatriation/evacuation, cost of overseas emergency medical treatment, emergency dental treatment and extra accommodation costs, in the event of a medical emergency while on your overseas trip. Excludes claims arising from pre-existing medical conditions.

Trip Cancellation and other Travel Inconveniences

The Policy provides cover if you need to cancel, curtail or change your trip due to certain unforeseen circumstances including injury or illness (excluding pre-existing medical conditions). The Policy also covers trip delay by providing additional hotel accommodation (room only) if your flight is cancelled or extensively delayed (waiting periods apply), as well as cover for lost or damaged personal baggage and travel documents (theft report required, limits and sub-limits apply, excludes items stolen if left unattended in a public place).

Cover for accidental death, hijack and kidnap cover, and cover for personal liability incurred, while on your overseas trip (excluding liability for use of vehicles or watercraft). Cover also provided for loss of income due to an overseas injury causing temporary total disablement.

Optional add-ons

Options include snow sports cover, cruise cover and rental vehicle excess cover (additional premiums apply).

Travelling against Government advice? We will not cover losses, pay or reimburse any costs, under any section of this Policy, arising from circumstances where: (a) prior to the Issue Date specified on Your Certificate of Insurance in the case of a claim for Cancellation; or (b) prior to You starting a Trip for all other claims under the Policy; the New Zealand Government or a New Zealand government agency(such as MFAT) issued a travel advisory warning advising you to ‘Do Not Travel’ or that borders are closed, for the destination You planned to travel to. Please refer to who.int or https://www.mfat.govt.nz/ or other government sites for further information.

This frequently asked questions (FAQ) document has been prepared to address some frequent coverage queries relating to the Chubb Travel Insurance Policy Wording . The FAQs are a summary only, they are not an exhaustive list of the coverage, terms, conditions or exclusions in the Policy.

Limits apply and vary with each plan. Please refer to the  Policy Wording  for further information on the terms, conditions and exclusions of the policy.

If I am diagnosed with COVID-19 during my overseas trip, will my overseas medical expenses be covered?

Yes, if you are first diagnosed with COVID-19 while on your overseas trip and require immediate medical treatment, cover is provided for the cost of medical treatment incurred overseas. Except where you were COVID-19 positive when your trip began, or you travel against a government issued “Do Not Travel” warning or border closure.

If I’m positive with COVID-19 when my trip begins, will I be covered for COVID-19 related medical expenses during my trip?

No, you’re not covered for medical expenses incurred during your trip if you were diagnosed with COVID-19 before your departure.

If I become ill with COVID-19 before or during my Trip, will I be able to claim for costs I incur for the Cancellation or Curtailment of my Trip?

Yes, cover is provided for costs arising from a necessary and unavoidable trip cancellation or curtailment as a result of an unforeseen illness (including COVID-19) where:

• you first contract and are diagnosed with COVID-19 after the policy is issued;
• a doctor confirms the illness in writing; and
• the illness is not a pre-existing medical condition.

I no longer want to travel because I am worried about the spread of COVID-19. Are my trip cancellation, curtailment or change costs covered?

No, cover is not available in this scenario. Simply no longer wishing to travel is not covered under the Policy.

If I need to cancel, curtail or change my trip due to a COVID-19 border closure as announced by any departure or destination government, am I covered?

No, cancellation due to COVID-19 government related travel advisories and/or border closures is not covered.

If I am diagnosed with COVID-19 after commencing my trip and subsequently issued with a quarantine order, will I be covered for the quarantine costs?

Yes, additional travel or accommodation expenses incurred are covered (within the benefit limitations) as a result of a mandatory quarantine order by a local government or public health authority. Except where you travel against a government issued “Do Not Travel” warning or border closure.

I have been classified by a public health authority as a close contact with a person diagnosed with COVID-19 and have been required to isolate as a result of this contact. Is there any benefit that I can claim?

No, cover is not available in this scenario.

Do I need to be vaccinated against COVID-19 to be eligible for the COVID-19 cover under this policy?

No, you do not need to have the COVID-19 vaccination to be eligible for cover under this policy. However, you will not be covered for any claim for cancellation, curtailment or trip change where you do not meet the vaccination protocols required by your transport provider or by any government authority (in New Zealand or at the destination) prior to departure

Is there an option to purchase COVID-19 Cover on a stand-alone basis?

No, COVID-19 cover is not available on a stand-alone basis.

Is cover provided for trip cancellation, curtailment or change due to a natural disaster at my intended travel destination?

Yes, provided there had been no official publication (prior to the purchase of the policy) warning that the natural disaster had occurred or was likely to occur. Please note that natural disasters do not include epidemics or pandemics (which are excluded under the policy).

I am unable to obtain my passport, entry visa or other required documentation in time and need to cancel my trip. Is this covered?

No, failure to hold or obtain all required documentation for your trip is not covered.

If I need to cancel my trip due to an illness or injury before my departure, am I covered?

Yes, cover is provided for trip cancellation which is necessary and unavoidable as a result of an unforeseen illness or injury as confirmed by a doctor in writing. The illness or injury must first be contracted or occur after the policy is issued. It’s important to check Policy Wording for details on pre-existing medical conditions which are not covered.

If I need medical treatment during my overseas trip, will my overseas medical expenses be covered?

Yes, if you suffer an unforeseen illness or injury on an overseas trip which requires immediate medical treatment, cover is provided for your medical expenses incurred overseas. It’s important to always check the Policy Wording , which excludes claims arising from pre-existing medical conditions and participation in certain sports.

Are Pre-Existing Medical Conditions covered?

This policy does not cover any pre-existing medical conditions. If you have a pre-existing medical condition, this cover may not be right for you. Before you purchase a policy, you should consider whether a medical condition is considered pre-existing based on the definition of ‘Pre-Existing Medical Condition’ which is found on page 20 of the Policy Wording .

What is a "Pre-Existing Medical Condition"?

A Pre-Existing Medical Condition generally means any medical or dental condition, illness, injury or disease that you previously required or continue to require treatment for, or that is under investigation at the time the policy is issued. It’s important to check the full definition of “Pre-Existing Medical Condition” on page 20 of the Policy Wording before making your purchase, as variable limits and time restrictions apply to specified conditions.

Is a video camera (or any other item) on loan or hire for the trip covered?

No, any items loaned, hired or entrusted to you are not covered

What happens if my luggage is delayed by the airline when I’m on my trip?

We will reimburse essential emergency clothing and toiletry expenses incurred (as required for a 24-hour period, up to the benefit amount under ‘Delay of Personal Baggage’ applicable to your chosen plan) if your luggage is delayed for 12 hours or more. If your luggage is delayed for more than 36 hours, the limit is increased up to the benefit amount under ‘Extended Delay of Personal Baggage’ applicable to your chosen plan.

Who is eligible for cover under the policy?

All people covered under the policy must be New Zealand residents and 69 years of age or younger. The trip must start and end in New Zealand

When can I purchase my Chubb Travel Insurance policy?

You can purchase the policy up to 180 days before your trip commences.

Will my policy be valid if I start or end my trip outside of New Zealand?

No. Your trip must begin and end in New Zealand for your policy to be valid.

Is there a maximum age on the policy?

Yes. Covered persons must be 69 years of age or younger before the date your policy is issued.

Do I need to undergo a medical examination to apply for the policy?

No. However, please note that pre-existing medical conditions are not covered.

Will I be covered if I purchased the policy after the commencement of my trip?

No. Cover is only applicable if your travel insurance is purchased before you start your trip.

Is there a maximum travel period on the policy?

Yes. The maximum trip duration is 180 consecutive days.

Is pregnancy covered under the policy?

The policy provides limited pregnancy cover. Pregnancy related claims are covered under the following sections of the policy:

• Overseas medical expenses cover - If you have a sudden and unexpected pregnancy related injury or illness which occurs before the end of the 23rd week of your pregnancy
• Trip cancellation and amendment cover - If you have a sudden and unexpected injury or illness arising from your pregnancy that a doctor confirms will prevent you from commencing or continuing the trip.

There is no cover for costs associated with childbirth or the health of a newborn child, or for claims arising from any pre-existing medical condition (including any medical condition related to a previous pregnancy or if you have experienced pregnancy complications prior to purchasing the policy).

If my flight is delayed, am I covered?

Yes. We will reimburse additional accommodation expenses (up to the benefit amount under ‘Delayed, cancelled, overbooked or missing onward flight’ applicable to your chosen plan) if your flight is delayed for 6 hours or more. If your flight is delayed for more than 30 hours, the limit is increased up to the benefit amount under ’Extended Delayed, cancelled, overbooked or missed onward flight’ applicable to your chosen plan.

Is there a cooling off period?

Yes. You may cancel your policy for any reason within 14 days of issue (cooling-off period). You will receive a full refund of the premium you paid, provided:

• you haven’t started your trip; or
• you haven’t made a claim; or
• you don’t want to make a claim or exercise any other right under the policy.

What is Chubb Assistance? How does it work?

Chubb Assistance is an emergency assistance service. Support is available for emergency advice and assistance services 24 hours a day, 7 days a week for medical or other emergencies while on your overseas trip and which are covered by the policy. In the event of a medical or similar emergency, simply call our emergency response team on +64 9 374 1774 to get immediate assistance and help accessing vital services in your local area where covered by the policy.

More Questions?

Please contact Chubb on 0800 422 346 or email us on [email protected] for any questions you may have

Quality travel plans at an affordable price

With more than 50 years of insurance experience and many millions of travellers served, Chubb Travel Insurance offers high-quality insurance to New Zealand travellers. We have plan options for all types of travellers, from frequent flyers and families to holidaymakers on a budget, adventure seekers and sports enthusiasts.

Fast, fair and efficient handling of claims

Experience has taught us the importance of being proactive when managing claims. Chubb understands that a fast, fair and efficient approach to claims handling will bring about an expedited outcome and can help to deliver an improved result.

24 hour emergency assistance

When you purchase Chubb Travel Insurance, you are covered by Chubb Assistance, our 24-hour emergency hotline that provides the support that you expect in your time of need, anywhere, anytime. In addition to our wealth of local expertise, Chubb's operation in New Zealand is backed by our extensive global travel network and breadth of resources to serve your every need.

You may contact us via email or telephone.

Mail or Email

Chubb Insurance New Zealand Limited PO Box 734, Auckland 1140, New Zealand Email: [email protected]

For general enquiries and claims, call

0800 422 346

(Monday to Friday 10:30 am to 7:00 pm)

For 24-hour emergency assistance, call

+64 9 374 1774

Chubb Worldwide Offices

For the mailing address, telephone number and email address of any Chubb office in our global network.

Please use our office locator

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Chubb Travel Insurance is issued and underwritten by Chubb Insurance New Zealand Limited (Chubb) Company No. 104656, FSP No. 35924. This website provides only factual information about Chubb’s products and services. The information does not take into account your personal circumstances, objectives, financial situation or needs and does not constitute financial advice. You should consider the  Chubb Travel Insurance Single Trip Policy Wording  which sets out the terms, conditions, exclusions and limitations, and obtain financial advice if required, before making any decisions about this insurance policy. Please also read Chubb's financial strength rating ,  Chubb's Privacy Statement  and Fact Sheets .

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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.

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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.

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

^All new policies taken out between 7am 13 May and 11:59pm 30 June 2024 will automatically be in the draw to win $15,000 NZD cash. See the full T&Cs  here .

Travel delays, cancellations and insurance: What you need to know

Easter is just around the corner and many of us will be looking forward to a nice holiday with a side of chocolate.

But with Auckland Anniversary, Waitangi and New Year's Eve all experiencing weather issues in various parts of the country over the past year, it might be a good idea to know your rights before you travel.

RNZ spoke to Consumer NZ communications and campaigns manager Jessica Walker to find out what your rights are when your travel plans fly out the window.

Domestic flights

If your flight is delayed or cancelled due to an event within the airline's control - for example - staffing and mechanical issues, the Civil Aviation Act (CAA) says you are entitled to refund.

In this instance, Walker said it was worth keeping receipts for any costs you incur (such as food or accommodation) because the CAA stated you were entitled to reimbursement of up to 10 times the cost of the ticket, or the actual cost of delay, whichever was lower.

"You shouldn't be out of pocket because of a cancellation that's within the airlines control," she said.

But that would not mean the airline would foot the bill for you to stay in a 5-star hotel. Walker said the airline was only expected to cover costs which were "reasonable".

Meanwhile, if the delay or cancellation was outside of the airline's control - such as bad weather or a mandatory government shutdown - they do not have to reimburse you at all.

In this case, your rights depend on the terms of your fare.

International flights

What your rights are for international flights depends on where you are, where you are going and where the airline is based.

Walker said many places were covered by the Montreal Convention, but others such as the European Union had their own rules.

If flying internationally, people were best to check what protections would apply to their travel.

Other travel costs

But it is not just missed flights. If you cannot make it to your destination, there are also costs such as accommodation, booked events or tours, rental cars and any other pre-paid costs.

Walker said if the reason you could not get there was due to the fault of the airline, these were costs you could claim back from them.

But in cases not related to a fault of the airline, refunds depended on the terms and conditions set out in the booking.

Walker said in cases such as booking accommodation, it was advisable to read the terms and conditions.

"If you know the terms and conditions before you accept a booking, it puts you in a really strong position, and so at least that way you know any risks that you're taking on, but it also means that you're aware of your rights."

Walker said the provider could not retroactively change those terms and conditions.

Is travel insurance worth it?

While most of your consumer rights are protected by law, travel insurance may cover some expenses not protected - like when a cancellation is not the airline's fault.

Walker said while many scenarios - such as lost luggage - were covered under people's consumer rights, travel insurance could help them get reimbursed in situations like bad weather and provide "peace of mind."

"Especially when you're flying internationally, then travel insurance is absolutely a good idea."

But when flying domestically, she recommended people think about their personal circumstances, and whether they could afford to incur any fees if their flight was suddenly cancelled.

"If you book cheap flights and your travel insurance is going to cost more than the cost of the flights, you might want to weigh up whether it really is in your best interest."

For those travelling domestically, some insurers contents insurance policies also cover any belongings brought on holiday, but that depended on each individual insurer.

Who can help if you have a complaint

In the first instance, contact the airline or agent who the booking was made with.

If the travel disruption was not their fault, claim on insurance.

If the company was unwilling to cooperate, you can get help from the Citizens Advice Bureau and report the company to the Commerce Commission.

If you needed to take it further, your bank might be able to do a chargeback, and for a small fee, you can take your complaint to the Disputes Tribunal.

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What is Contiki?

Contiki are the world leaders in organized youth travel. We’ve been providing amazing travel experiences for young travellers, from 18-35 years old, since 1962. Imagine how good you would be at something if you had been doing it for more than 60 years?

Everything about Contiki is deeply rooted in our two values ‘Make Every Moment Count’ and ‘We’re About People’. We don’t just talk, we walk the walk and live by our brand philosophy of ‘ Travel.Together. ’ which means to travel with one another, with the destinations we visit, the people and cultures we enjoy and the environment.

You’ve never experienced travel like this.

Why only 18-35?

Focusing on 18-35 year olds allows us to tailor a dramatically more powerful travel experience and an itinerary so fun it feels like all of your best Friday nights combined.

Tailoring to select ages brings together like minded, likeable people, and allows us to use Social Travel planning to build great groups of people so fast you’ll wonder if you’ve been friends forever.

What destinations can I go to with Contiki?

A sunrise, shoreline or bright light for every whim. We are proud to offer more than 350 Global trips, intelligently designed for a seamless and simple social travel experience. Visit our search page to discover your perfect travel destination.

How does it work?

We’re reinventing hassle free travel. Whether you are a solo traveller or group you can be rest assured that there has been tonnes of planning behind every trip.

Booking with Contiki means you are saying yes to a smile inducing trip where the typically stressful elements just seem to magically happen.

No one does trips like Contiki, essential accommodation, transport, reservations and so much more is all taken care of. You can multiply the magic with trip add ons and numerous customisations for your free time.

Every single Contiki social travel trip is managed by one of our expert Trip Managers, who are there to provide hands-on support and ensure your trip runs smoothly whilst you stay in the moment.

From 2022 your good time will be good for the planet as all Contiki trips are carbon natural. Find out more here.

How many other travellers are on each trip?

Group sizes are completely dependent on where and how you choose to travel with Contiki. 

In Europe and in most of North America and New Zealand, group sizes can range between 24 – 53 awesome travellers. 

In regions like Asia, Australia, Africa and Latin America, and on some North America and New Zealand trips, our group sizes are considerably smaller – as low as 12 or up to 30 travellers max.

Detour trips offer a different type of experience and max out at 16 people led by a local host.

Wondering what is so great about travelling together? Check out the Contiki Social travel page.

Each group is administered according to our strict Covid policies which can be viewed here.

What’s included?

All essential trip elements have been catered to ensure a great time, with great people in great places. But you mean more specifically right?

Your accommodation, essential trip transport, and a good handful of meals are included in the cost of your Contiki trip (on most trips we offer breakfast every day, plus a hand-picked selection of authentic and tasty meals). 

To fill your days and Insta feeds we have Included Experiences, which are basically the sights and activities we think you just can’t afford to miss. Of course you also get our expert and highly trained team of Contiki staff to support throughout.

A day by day breakdown of inclusions and Free Time Add-Ons are available on the trip specific pages. 

We always try to accommodate special requests such as birthdays, proposals etc. Please chat to our team and we can explore how we may support the request.

What’s not included?

Contiki social travel trips have a large degree of flexibility built into them to enable you to truly own your experience. This means that some trip elements are not included in the initial cost and may require additional budgeting. 

Flights to and from your starting and ending points are not included in the cost of your trip. These can be added on during the booking process either online or via our contact center or booked independently by you.

Each trip contains the right amount of free time for you to explore or indulge your travel desires. We offer Free Time Add-Ons, which are additional experiences that are not included in the overall price. These add ons are highlighted on the specific trip page. Your Trip Manager will highlight these to you and organise their booking on trip. Exceptions may apply where pre booking is required but this will be made known to you in your pre departure information.

A number of meal times are left open for you to explore a region and its foodie offerings in greater detail, so budgeting for your taste in non-catered meals is important. 

Travel insurance and visas are also not included in the cost of your trip, and should be booked separately.

What are Contiki's sustainability credentials?

Travel comes with responsibilities. That’s why we’re determined to travel sustainably and consciously, and that’s why we’re willing to take a stand on issues closest to our hearts. Find out more details here . With the help of our four-point Climate Action Plan, we're now on a journey to Net Zero - committing to carbon reductions and evolving to support the transition to a low-carbon future. Find out more details here .

Do I need to purchase travel insurance for this trip?

Yes! It’s a requirement of traveling with Contiki that you take out comprehensive insurance cover for cancellation, personal injury, death, medical expenses, repatriation expenses, evacuation expenses, personal liability & loss of personal property and Covid related expenses before you travel with us. It’s also super important to check that your insurance covers all of the activities you’ll be trying out, particularly any adventure activities (for all you adrenaline junkies). For more information check out our full travel insurance FAQs.

Can I stay in my destination a few days before/after the trip starts/ends? And can Contiki help me arrange this?

Yes and yes! You can add pre- and post-trip accommodation to your booking in one of three ways:

When booking your trip online

In the 'My Travel Portal' after you've made your booking

By calling us any time on 0808 281 1120

In certain cities, you may even be able to secure a preferential rate for you pre- or post-trip accommodation.

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Southern Cross Travel Insurance launches new campaign via Spark Foundry

Coverage anxiety is very common nowadays, as revealed by Southern Cross Travel Insurance’s (SCTI) latest Future of Travel study, with 53 per cent of all international travellers experiencing some kind of disruption in their travels throughout 2023. In its newest omni-channel campaign, SCTI seeks to give customers peace of mind when facing events like disruption, loss, or accidents, showing they are there for them at every step of the way in their entire travel journey.

The media campaign delivered by Spark Foundry New Zealand, launched in April in partnership with NZME, and supported by oOh! Media, J C Decaux and Shout as OOH partners.

Leveraging data-driven customer experience insights, SCTI identified a number of hypothetical travel scenarios which played out through “pick-a-path” scenarios across key NZME platforms; radio, digital audio, digital, and video. The campaign included tactical placements, such as press, podcast audio and newspaper puzzle takeovers, to engage different audience demographics. The interactive content playfully demonstrates to people that whichever path they choose, and whatever happens on their holiday, Southern Cross Travel Insurance has them covered.

Says Nick Bassett, chief customer officer at SCTI: “We’re excited to work so collaboratively with our media partners to pull together an innovative campaign which highlights how Southern Cross is giving confidence to our customers. We’re especially keen to see how our interactive NZME pick-a-path digital asset lands. It’s an asset which is completely data-led using our significant intelligence bank of destinations and claims across tens of thousands of customer experiences. By playing out these real-life situations, it gives potential and existing customers a concrete view of just how essential it is to pack a travel insurance policy.”

The campaign also incorporated OOH through immersive street furniture builds, transporting people to destinations like Paris, Morocco and Fiji, inspiring them for their next trip. These were strategically placed in high impact areas and extended to sites at Auckland Airport to reach audiences at all points of travel. The finishing touch is a fully dedicated ‘relaxation zone’ at Auckland Airport, filled with helpful travel facilities such as phone changing ports and children’s entertainment.

Says Nicky Greville, managing director, Spark Foundry NZ: “We’re proud to have worked with SCTI and our partners to create a multi-faceted campaign that not only resonates with and reassures travellers, but also seamlessly paves the way for them to experience their journey with confidence and peace of mind, showing them that Southern Cross Travel Insurance has truly thought of everything.”

The campaign brings to life SCTI’s creative platform – “Relax, we’re with you” – demonstrating to current and prospective customers that that they can trust in them, even if the unexpected happens.

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