air nz travel insurance quote

Travel insurance with Covid-19 cover

Air New Zealand travel insurance provides cover if you get ill with Covid-19 prior to your trip commencing or get ill with Covid-19 whilst away. There is also limited cancellation and amendment expenses cover relating to Covid-19.

And your travel insurance policy still covers you for many other reasons you might need it: cancellation due to illness, hospital costs if you get injured overseas, medical repatriation, lost luggage, rental car excess cover, travel delay or disrupt, and much more.

On this page

Travelling to international destinations

Buy an international travel insurance policy that can cover you for Covid-19. With medical expenses and limited cancellation and amendment expenses cover, you can travel with peace of mind.

When you book your international flights online , you can add our one-step travel insurance on the Extras page.

• Cancelling your trip if you have Covid-19 and are unable to travel You should read the policy wording and if you have further questions contact Cover-More on 0800 500 248.
• Emergency medical expenses if you are diagnosed with Covid-19 on your trip and admitted to hospital
• There is limited cover for additional expenses if you are diagnosed with Covid-19 on your journey and must quarantine or self-isolate.
• Repatriation to help you get back home
• If a relative or your business partner not travelling with you becomes sick
• If you are an essential health care worker whose leave is revoked

What's not covered

• This policy does not cover (directly or indirectly caused by Covid-19) claims relating to government travel bans; 'Do not travel' warnings; government directed border closure; denied boarding; or mandatory quarantine or self-isolation requirements related to cross area, border, region or territory travel – unless you are travelling to Australia.
• Your disinclination to travel due to Covid-19.

Note: This is a summary of key conditions and exclusions. Please read the relevant policy wording for full benefits, exclusions and terms and conditions.

Free Look Period

Every insurance policy comes with a money-back guarantee. You have a 21 (calendar) day free look period where, if the insurance doesn't suit your needs, you can request a full refund of the premium paid (as long as no claim is pending and you haven't started your trip). Please contact Cover-More Travel Insurance on 0800 500 248 or email [email protected] for any refund queries.

Contact Cover-More Travel Insurance

Travelling around new zealand, covid-19 frequently asked questions, what countries does my travel insurance provide cover for.

Travel insurance cover may be limited in a destination if the NZ Government - MFAT advice on safetravel.govt.nz is showing as 'Do Not Travel'. You can learn more about travel insurance advice alerts here .

There is no cover for any claims arising from Covid-19 if the country or part of the country you travelled to was subject to 'Do Not Travel' advice on SafeTravel at the time you entered the country or part of the country. (This exclusion only applies if the (or one of the) reason(s) for the advice was the presence of Covid-19).

This exclusion will not apply if your trip destination is Australia.

If you are unsure about cover for your intended destination you should call Cover-More on 0800 500 248 .

If I fall ill with Covid-19, and require medical treatment in a covered country, are medical expenses covered?

Yes. If you fall ill with Covid-19 during your trip, there is provision to claim medical and additional expenses, including the cost of extended quarantine if instructed by a Doctor or Government Health Agency. You should read the policy wording to understand the limits and conditions of any Covid-19 related cover.

There is also limited cover for additional expenses if you test positive to Covid-19 during the period of insurance and are required to self-isolate as per the local health authority regulations or you are hospitalised.

If I fall ill overseas with Covid-19 and need to be repatriated home, am I covered?

Yes, there is provision to claim repatriation costs under the policy. Medical confirmation of this will be necessary from our assistance company.

I've decided I need to self-isolate due to possible contact with Covid-19 (not close contact) and no longer wish to travel. Can I claim for a trip refund under my policy?

No, there is no provision to claim.

There are no government restrictions in place to travel to my destination, but I'm required to quarantine on return from my trip. I no longer wish to travel and want to cancel my holiday. Am I covered?

No. If your trip is impacted by government mandated quarantine restrictions, no cover is provided.

Whilst on my trip, I'm denied entry to a country due to government restrictions imposed in the arriving county on travellers from countries I have visited en route or from which I have departed. Am I covered for the costs to change my trip?

No. If your trip is impacted by any government restrictions, government-issued bans, border closures and mandatory requirements, no cover is provided.

I am an essential Health Care worker and my leave is cancelled due to Covid-19. I need to cancel my trip. Am I covered?

Yes, there is provision to claim for cancellation costs.

There were no government travel restrictions in place when I booked my holiday and purchased my policy. A new outbreak of Covid-19 has led to government restrictions that now prevent me from travelling to the intended destination(s). Am I covered?

No, cover is not available in this scenario.

Note: There is no cover for any claims related to government directed restrictions.

My flight has been cancelled or re-scheduled due to Covid-19. Can I claim for a refund?

No. However, you may be eligible for a credit or refund from your airline or travel provider.

How do I make a claim?

It's quick and easy to lodge a claim with Cover-More's online claims centre . All you need to get started is your policy number.

Limits, sub-limits, conditions and exclusions apply. Air New Zealand offers this insurance as agent for and on behalf of the insurer. Insurance 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. Consider the Policy Brochure and wording therein before deciding to buy this product. For further information see Zurich New Zealand's financial strength rating. See Cover-More's privacy policy.

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Air New Zealand Travel Insurance

Our verdict: air new zealand has good perks if you’re travelling to new zealand, but some of these disappear if you’re heading to a different destination..

In this guide

Summary of Air New Zealand International Comprehensive policy

How does air new zealand travel insurance cover covid-19, what policies does air new zealand offer, here's a breakdown of air new zealand travel insurance features, standard features, optional add-ons, how to make an air new zealand travel insurance claim, here's the bottom line about air new zealand travel insurance, frequently asked questions, request travel insurance quotes and compare policies.

Destinations

• Air New Zealand offers optional cover for snow sports, but includes it as standard if you’re travelling to New Zealand.
• A range of higher-risk activities are included as standard, including rock-climbing, bungee jumping and sky-diving.
• Some perks cost extra, or aren’t available at all, if you’re not travelling to New Zealand.
• There’s no specific cover for cruises, so if you’re heading to the high seas, you might want to look elsewhere.

Compare other options

Table updated September 2023

Air New Zealand offers some cover for expenses related to COVID-19, but these vary depending on whether you’re travelling to New Zealand or not. Here’s what you can expect:

• Cancellation costs if you or your travelling companion get COVID-19 and can’t travel.
• Cancellation costs if a non-travelling relative or business partner gets COVID-19, and you need to amend or cancel your trip.
• Amendment or cancellation costs if you’re an essential healthcare worker and your leave is revoked due to COVID-19.
• New Zealand travel only: Accommodation expenses of $150 per night if the person you were planning on staying with gets COVID-19 or they are placed into quarantine.
• New Zealand travel only: Cancellation or accommodation costs if your pre-paid accommodation is shut down for cleaning.
• New Zealand travel only: Cancellation costs for your prepaid holiday activities if they’re closed due to COVID-19.

There are some scenarios that are not covered by Air New Zealand including claims related to government-issued travel bans or border closures.

Air New Zealand offers four insurance policies to travellers. International Single Trip, International Annual Multi-Trip, Domestic, and Domestic Cancellation.

International Single Trip

International Annual Multi-Trip

Domestic Cancellation

The insurer of this product is Zurich Australian Insurance Limited. It comes with a cooling-off period of 21 days and choice of $200 standard excess for international plans.

These are some of the main insured events that Air New Zealand will cover. These benefits apply across all international policies.

• Overseas medical treatment
• Lost, damaged or stolen property
• Trip cancellation or amendment
• Additional accommodation and transport
• Theft of money
• Rental car insurance excess
• Emergency dental costs
• Kidnap and hijack
• Personal liability
• Accidental death

Air New Zealand also offers the option of adding snow cover onto your policy. However, this is included as standard if you are travelling to New Zealand..

• Snow Sports Cover. Cover for replacement ski equipment hire, ski lift passes and ski run closure.

Unfortunately, travel insurance doesn’t cover everything. Generally, Air New Zealand will not pay your claim if it relates to:

• Unlawful, wreckless or unreasonably unsafe behaviour by you
• Behaviour while you were drunk or under the influence of drugs
• Expenses related to a pre-existing medical condition
• An act of war, invasion or revolution
• Insolvency of a travel agent , tour operator or accommodation provider
• Government-ordered border closures or travel restrictions
• You travelling against medical advice
• Childbirth or pregnancy complications after the start of the 24th week of gestation or if you have had previous pregnancy complications
• A multiple pregnancy or one where the conception was medically assisted
• An elective medical or dental treatment , cosmetic procedure or body modification (including tattoos or piercing)
• Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the Air New Zealand PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions .

You can claim online via CoverMore’s online claims centre. You’ll need your policy number to get started.

Alternatively, you can download a claim form from Air New Zealand and post it, along with all relevant evidence, to the following address:

Air New Zealand Travel Claims c/o Cover-More Insurance Services Private Bag 913, North Sydney NSW 2059 Australia

If you’re travelling to New Zealand, Air New Zealand travel insurance not only offers cover for snow sports as standard, but it also covers a wide range of activities that thrill-seekers often take part in when travelling to Aotearoa.

Skydiving, bungee jumping and white water rafting are all covered as standard, while some other travel insurance policies may require an additional add-on.

However, there are major restrictions too, including no cover for pre-existing medical conditions and extremely limited cover for expenses related to COVID-19, if you’re travelling anywhere other than Australia or New Zealand.

If you're still not sure about Air New Zealand, you can compare other travel insurance companies here .

How long will it take for a claim to be settled?

Once you’ve submitted your claim, Air New Zealand will get in touch within 10 working days with a response. The final claim time will depend on your specific situation.

Are medical expenses related to COVID-19 covered?

Yes. If you fall ill with COVID-19 during your trip, you’ll be covered for medical expenses as long as you meet the other requirements (such as not travelling while knowingly having COVID-19).

Do I have to be flying with Air New Zealand to get Air New Zealand travel insurance?

No, you do not have to have a flight booked with Air New Zealand to take out a travel insurance policy.

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Nicola Middlemiss

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds.

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Does the insurance cover if the passenger is 83 yrs?

Thanks for getting in touch.

It looks like Air New Zealand doesn’t offer quotes online for people 83 years old.

Please head to our our seniors travel insurance page to find our about brands in our panel that offer this cover.

All the best, Richard

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Travel Insurance

Existing State customers get a 10% discount.*

Use Promo code: STATECUST

*Discount applies to existing State 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.

Important information: The  Policy Wording  includes specific information on how State Travel Insurance will respond to claims related to Covid-19.

A range of options for your domestic or overseas travel

Overseas cover & annual multi-trip cover

Your back up when going across the ditch or further afield.

Our cover includes medical and dental expenses* loss or theft of luggage, delayed travel and more. You can also select cover for travel related expenses if you need to change or cancel your trip.

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

See https://safetravel.govt.nz/ for the latest government advice regarding overseas travel.

Anywhere in NZ

Domestic cancellation.

Covers changes and cancellations outside of your control before you leave and extra expenses due to unforeseen circumstances while you're away. You choose the cover amount.

Domestic Plan

Comprehensive cover that also includes lost luggage, medical and dental expenses, and rental vehicle excess cover.

Inbound Cover Visiting NZ

If you are a non-resident visiting NZ our Inbound policy can cover medical and dental expenses, luggage and travel documents, rental vehicle insurance excess and personal liability.

Travel Cover During Covid-19

Travelling Overseas? Check out our handy scenario-based FAQs explaining how we could cover you if Covid-19 plays havoc with your trip: State Travel Cover and Covid-19 FAQs

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

*Medical cover will not exceed 12 months from onset. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to the Inbound Plan.

**For 12 months, over 100km from home, including domestic travel, up to maximum number of days per journey as selected by you.

Get more from your travel insurance

24-hour assistance.

24/7 access to a team of experts with a global network of doctors, nurses, and logistical staff. Cover for emergency accommodation and transport expenses if a disaster like a volcano, tsunami, earthquake, or flood disrupts your journey.

Overseas medical cover

Includes hospital, medical, surgical, emergency dental and ambulance costs. Plus help to arrange treatment and medical evacuation.

Get 10% off when you buy online

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

Quick online claims

You can claim  online  while you are travelling.  Find out more

Earn Flybuys™ on every policy you have with State. Don’t forget to  register your Flybuys  number with us, as we’ll also give you chances to get bonus Flybuys throughout the year too. Sweet.

The policy type you choose changes what you are covered for.

Select cover option:

International

Single Trip or Annual Multi-Trip

Limit per adult unless stated otherwise

Up to $1,500 for emergency dental expenses

Up to $1,000 per month

This is only a summary of the benefits provided. Please refer to the Policy Wordings for details of the cover provided.

Limit per adult

Up to $2,500 for personal vehicle insurance excess

Up to $250 per month

Single Trip

Limit per person

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

Not included

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. See the Policy Wording .

*Medical and dental expenses cover will not exceed 12 months from onset of the medical condition. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to the Inbound plan.

^ Cover chosen applies per policy. See the Policy Wording .

• Item limits applies for anyone item, set or pair of items including attached or unattached accessories. You may increase these item limits if you wish. See the Policy Wording .

No cover for trip cancellation costs for trips commencing within 21 days of policy purchase date if you test positive to COVID-19 and cannot travel. If your COVID-19 related cancellation claim is approved, then the maximum we will pay per policy is $5,000 for international trips and $2,500 for Domestic trips. See the Policy Wording .

# You can choose $200, $400, $800, or $1,500.

~ The maximum liability collectively for Sections 14, 15, and 16 is $15,000 International Plan, and $10,000 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.

Our State Travel Insurance  contains benefits relating to the Covid-19 pandemic. While your Policy Wording  may respond, your claim remains subject to the terms and conditions, limitations and exclusions set out in the Policy Wording . Please ensure you familiarise yourself with these in the Policy Wording before taking out travel cover. For Covid-19 cover to apply, you must not travel to a destination on the "Do not travel" list issued by SafeTravel.govt.nz .

Domestic Policy FAQ's

Why buy state domestic cover.

Our Domestic and Domestic Cancellation plans are for New Zealand residents travelling within New Zealand.

More than one third of domestic travellers experience an unexpected circumstance that can leave them out of pocket.

It doesn’t matter if you are travelling to Auckland or Amsterdam, if your child becomes unwell and you need to cancel your trip, it’s good to know you’re covered.

Specific terms, conditions and exclusions apply to Covid-19. See our State Travel Policy Wording for full details.

Here are some examples of real-life stories

• An airline lost a customer’s suitcase and the items were not recoverable Luggage Value: $2,500
• A customer’s rental vehicle was written off after a third-party collision Rental Vehicle Insurance Excess: $4,000.

Here are some examples of types of claims

Medical claims*

• Sprained limbs or broken arm, leg, wrist due to outdoor activities
• Asthma, seizure, stroke, heart attack
• Swimmer's ear/ear infection.

*Pre-existing medical conditions must be declared, and extra cover purchased under Domestic Plan prior to departure

Your cancellation costs prior to travel

• Prepaid deposits on motorhome rentals, scenic train, or ferry tickets
• Prepaid fares for rail trips, adventure holidays and cruises
• Costs for cancellation due to redundancy, illness, injury, and medical operations.

Cancellation prior to departure will result in the loss of deposits paid and in other instances full cancellation fees often apply.

Delayed travel

• Travel delays due to weather e.g. snowstorms and fog delaying connecting flights.

Luggage claims

• Broken cameras, smartphones and electronic items
• Lost spectacles, hearing aids and damaged dentures.

What Domestic options are available?

We offer 3 Domestic plan options to choose from and these can be purchased quickly and easily on our website.

Domestic plan (Single Trip Policy or Annual Multi-Trip Policy)

Our Domestic plan (Single Trip Policy and Annual Multi-Trip Policy) is our most comprehensive domestic plan.

The Domestic plan Annual Multi-Trip Policy is sometimes a more suitable option for those travellers who are planning to travel more than twice this year and for no longer than 30 days at a time within New Zealand.

Domestic Cancellation plan Single Trip Policy

Our Domestic Cancellation plan covers domestic travellers for cancellation cover only and you choose the cancellation cover limit to best meet your needs when you purchase your policy.

What activities are covered?

There are plenty of fun activities to do around New Zealand year-round, and we have a comprehensive list of activities which are covered under our Domestic plans (excludes Domestic Cancellation Plan).

Our plans automatically include:

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

Other activities may be covered as an add-on to your Domestic plan (excludes Domestic Cancellation plan). See our State Travel Policy for full details.

What cover is available for Skiing and Snowboarding?

Because being on the snow and participating in winter sports activities often increases the risk of injuries or incidents, you'll need to ensure you amend your Domestic plan (excludes Domestic Cancellation plan) to include snow activities like skiing and snowboarding by purchasing a winter cover (snow sports) upgrade. This can help protect you against unforeseen costs should you have a mishap on the slopes and need medical assistance. Sporting and ski equipment are not covered whilst in use and if you are a New Zealand citizen, ACC may cover some costs due to injury caused by an accident.

You will only be covered if you have purchased the Domestic Plan with the winter cover (snow sports) upgrade and:

• You are skiing, snowboarding or snowmobiling on-piste, or cross-country skiing;
• You are not participating in a Professional capacity; and
• You are not racing.

Note: sporting and ski equipment are not covered whilst in use.

What if I travel frequently in NZ, do you have a multi-trip option?

Multi-trip travel insurance may save you time and money. If you are planning to travel more than twice this year and for no longer than 30 days at a time within New Zealand, consider our Domestic Plan Annual Multi-Trip Policy.

Can you explain the rental vehicle insurance excess?

This benefit applies to our Domestic Plan (excludes Domestic Cancellation Plan) and covers the rental vehicle excess if your rental vehicle is stolen, or damaged while you are driving. You will still need to take out rental vehicle insurance.

A $4,000 rental vehicle excess cover can save you money if you need to make a claim.

Note: that your rental agreement may still require you to take out rental vehicle insurance.

If you are driving your personal vehicle on your domestic holiday there is bonus cover of $2,500 for your comprehensive vehicle insurance excess.

What does the medical cover provide for?

Our Domestic Plan D *(excludes Domestic Cancellation Plan) can provide you with cover for unexpected medical and dental expenses up to $1,500. This is for treatment provided in New Zealand.

It only applies up to 12 months from when you suffered a disabling injury, sickness, or disease. Travel insurance protects you from unforeseen events. Routine medical or dental treatments, prenatal visits and continuation of treatments are not covered.

What existing medical conditions are covered?

We automatically cover a range of existing medical conditions (EMC) under the Domestic plan (excludes Domestic Cancellation Plan). Automatically covered conditions include - asthma, epilepsy, gastric reflux and more! Read the State Travel Policy Wording for a full list of the conditions we automatically cover. If your existing medical conditions are not all automatically covered, you may complete an online medical assessment to determine if cover is available. Other travel insurance benefits unrelated to your EMC still apply, even if cover cannot be provided for your specific condition/s.

*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 International or Inbound Plans.

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 have come up with a list of handy travel tips to help make your holiday even better.

Limits, sub-limits, conditions, and exclusions apply. Standard excess may apply. State Travel insurance is administered by Cover-More NZ Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. For further information see Zurich New Zealand’s financial strength rating . Any advice is general advice only. Consider the State Travel Policy Brochure and wording therein before deciding to buy this product. IAG receives a commission for the issue of State branded travel policies arranged through Cover-More (NZ) Limited ("Cover-More"). IAG New Zealand Limited ("IAG"), of which State is a business division, is not the insurer. IAG does not guarantee Zurich New Zealand or Cover-More.

Destinations

Travellers' Ages

Compare domestic, worldwide travel insurance quotes in NZ

No matter where in the world you may be travelling, it goes without saying that travel insurance is a must. With so many unpredictable things that could occur during your travels, travel insurance is the best way to ensure both you and your belongings are protected if the worst were to happen.

Travel insurance in NZ provides cover for your trips both overseas and domestically, and covers things such as medical expenses, trip cancellation, lost luggage and more.

When it comes to finding cheap travel insurance in NZ, you’ve come to the right place! Here at glimp, we’re passionate about helping Kiwis find the best travel insurance plans for their travels. Whether you’re flying across the country, or to the other side of the world, we’ll help you save time and money on your travel insurance. Compare travel insurance in NZ now and you’ll be able to find the perfect policy in no time.

Travel insurance providers

When searching for the right cover for your travels, you’ll probably be wondering “who are the best travel insurance companies?’ Luckily, you don’t have to spend hours online searching through dozens of travel insurance companies trying to find the best ones; we have them all here at glimp!

We’ve gathered all of New Zealand’s leading travel insurance companies together, including Southern Cross travel insurance, AA travel insurance and AMI travel insurance, making it easy for you to find the right insurer for your travel needs.

How does our travel comparison work?

Here at glimp, we’re committed to helping you find the best travel insurance online to suit your needs! Using our travel insurance comparison tool will help you save time, energy and, most importantly, money! Cheap travel insurance NZ can be hard to come by, but with glimp it’ll be a piece of cake.

Quick and easy to use

It’s never been easier to compare travel insurance quotes in New Zealand - simply enter a few details about your upcoming trip and we’ll deliver the latest insurance policies from New Zealand’s leading travel insurance companies. We’ve already helped thousands of Kiwis have already save on their travel insurance - now it’s your turn!

Find your best deal, free of charge

When it comes to the best travel insurance, it’s all about giving you great value for your money. Our vetted travel insurance policies cover all sorts of unprecedented costs at different values so that you can find the best travel insurance policy that suits your needs. Not to mention, our tool is 100% free to use too!

Buy direct and save more

Buying travel insurance from travel agents and airlines can mean that you’re paying extra for any commission fees. When you compare travel insurance with glimp, we’ll give you the best options and take you directly to your chosen travel insurance provider. Avoid paying those extra commission fees and buy directly from your insurance provider when you compare travel insurance with glimp!

Start saving on your travel insurance premium

Travel insurance comparison in NZ has never been easier. Spare a few minutes and start comparing travel insurance policies now to start saving on your travel insurance premium for your next trip. We help people like you save on their travel insurance policy every day, now it’s your turn.

Why compare travel insurance with glimp?

We save you time & money.

Easily compare travel insurance quotes in NZ. Find the best travel insurance in minutes.

A great place to compare travel insurance

Best comparison site in NZ. Thousands of Kiwis have trusted us with their decisions.

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glimp is 100% free! Whether you want to compare travel insurance quotes or sign up , you pay nothing.

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What does travel insurance cover?

Cancellation cover.

You never know when you might need to cancel a flight and when that happens, your chosen airline can charge you a hefty fee for doing so or will not return your deposit. Standard travel insurance policies often cover this cost so that you can cancel your flight right up to the day of the flight at no cost at all. This applies to flight delays too.

Luggage & belongings

With so many bags constantly being lugged around, there are bound to be a few bags here and there that end up in the wrong place and it’s often out of your control. If you have travel insurance in NZ, your insurer will cover the purchase of a few essentials, meaning you won’t have to bear the brunt of the loss of your GoPro, laptop, camera and whatever else you may have lost.

Medical treatment

When you compare travel insurance policies in NZ, you may notice that most policies offer medical and dental cover. This may be just something simple like drugs for a cold or allergy while you’re overseas, or it could be something a little more complicated like surgery. Some policies may even pay for someone to escort you back home if you’re feeling really unwell.

Car rental excess

If you’ve rented a car while you’re overseas and it gets stolen or damaged then your travel insurance policy may be able to help you out, by providing cover for the excess you’ll need to pay for when you make a claim.

Personal liability

In the event that you accidentally damage property or are liable for damage to a person, your travel insurance provider may provide cover to pay the costs including legal fees to defend your claim and legal costs if you’re wrongly arrested or detained. While we hope it would never come to this, it doesn’t hurt to have the assurance that you would be covered if you were liable for something. Even the cheapest travel insurance policies in NZ usually provides cover for this.

Travel Insurance FAQ

What does travel insurance usually cover.

Although it will depend on your chosen insurance provider and policy type, a typical travel insurance plan will have coverage for all of a travelers main concerns. Standard travel insurance will generally cover you for trip cancellations, travel delays, medical emergencies, lost luggage and personal liability.

Most travel insurance policies are designed to be comprehensive, to protect you from a variety of situations and events that may cause financial loss. However, there are optional extras that can be added onto your policy, such as dental, adventure activities and rental car cover.

Should I get travel insurance?

While travel and adventure is always encouraged, the reality is that even the most well planned trips can go amiss. Nobody wants to prepare for the worst, but it’s absolutely vital to do so - and that’s why you should get travel insurance. Investing in travel insurance cover allows you to safeguard your trip, providing you with peace of mind and letting you get on with your holiday.

When should you buy travel insurance?

It goes without saying, that the best time to buy travel insurance in NZ is before you embark on your travels. However, the time you get travel insurance before that matters too. Ideally, you should book travel insurance within 15 days of trip purchase so that you have enough time to cancel the insurance if need be, and you won’t have any external events affecting the premium.

How do I file a claim for travel insurance?

While this may differ between different travel insurance companies, to claim for travel insurance you generally need to fill out an online claims form which you can find on your travel insurer’s website. You’ll then need to send supporting documents to confirm that it’s you filing the claim, and your insurer will start working on it!

Is there travel insurance for seniors in New Zealand?

Travelling can be the highlight of anyone’s year no matter where you’re venturing and we believe that age is no barrier to this. That’s why we can show you affordable travel insurance in NZ for seniors from insurers such as Southern Cross Travel Insurance, 1Cover and more that will insure you on your travels even if you’re older than 85.

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Travel Insurance

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

AA Travel Insurance

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

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

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

Get a quote

Why choose AA Travel Insurance

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

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

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

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

Playing at home or away?

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

International

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

AA Travel Insurance Benefits:

• AA Member discount

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

• Cover for missed connections or travel delay

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

• Free cover for dependent children

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

• Cover for some COVID-related situations^

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

• Cover before you depart

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

• Cover for recreational activities

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

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

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

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

Have a question?

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

Call: 0800 630 115

Frequently asked questions

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

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

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

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

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

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

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

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

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

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

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

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

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

However, if you are:

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

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

Our insurance partner

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

Financial Strength Rating

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

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

Financial advice

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

More information

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

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

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

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New Zealand Travelling Abroad: Securing peace of mind with Travel Insurance Cover, buy online - get a quote now.

From medical emergencies to trip cancellations, our travel insurance guide has got you covered. Choose the best options for your next international trip.

Travel Insurance Essentials for New Zealanders Going Abroad

Traveling is an integral part of the New Zealand culture. Whether it’s exploring the scenic landscapes within New Zealand or venturing overseas, having reliable travel insurance is crucial. For those looking to get a travel insurance quote, the process has never been easier. With the digital age, travellers can now buy online, ensuring they receive the best quotes online. Trusted by many, travel insurance within New Zealand offers peace of mind, ensuring you’re covered anywhere in NZ and beyond.

New Zealanders Travelling Abroad: Securing peace of mind with Travel Insurance Cover, get a quote now.

Travel and its importance for new zealanders.

New Zealanders have a rich history of exploration, both domestically and internationally. Domestic travel within New Zealand offers a plethora of experiences, from the beaches to the mountains. But whether you’re traveling locally or internationally, ensuring your travel plans are protected is paramount.

Understanding Travel Insurance

Travel insurance is not just a policy; it’s peace of mind. It provides cover for unforeseen events, from medical emergencies to lost luggage. Every New Zealander venturing overseas should consider purchasing travel insurance, as it protects against potential financial setbacks during travel.

Travel Insurance Cover: What Does It Include?

A comprehensive travel insurance cover includes medical and dental expenses cover, ensuring that pre-existing medical conditions are considered. It also provides protection for luggage and travel documents, ensuring you’re not left stranded without essentials. Additionally, for those renting vehicles, the rental vehicle insurance excess can save significant costs in case of an accident.

Getting a Quote: How to Purchase Travel Insurance

The digital age has made purchasing travel insurance a breeze. Travellers can buy online, often receiving discounts for early purchases. However, it’s essential to read the policy wording for full details. For the best coverage, consider buying your policy within 21 days of your travel booking.

Domestic vs. International Travel Insurance

While domestic travel insurance covers travels within New Zealand, international travel insurance is designed for overseas adventures. For frequent travellers, an annual multi-trip policy can be cost-effective, covering multiple trips within a year.

New Zealand Overseas Travel: What to Look Out For

When planning overseas travel, it’s essential to consider the government’s advice not to travel to certain regions. Your travel insurer plays a pivotal role during such times, guiding on how the insurance will respond to claims in volatile situations.

Frequently Asked Questions (FAQs) on Travel Insurance for New Zealand Travellers Traveling Overseas

Why do new zealand travellers need travel insurance for overseas trips.

Answer: Travel insurance provides protection against unforeseen events during overseas trips, such as medical emergencies, lost luggage, or trip cancellations. It ensures peace of mind and financial security while traveling.

Can I buy travel insurance online?

Answer: Yes, many insurance providers offer the option to buy travel insurance online, often at competitive rates. Purchasing online can also provide instant coverage and policy documentation.

How do online travel insurance quotes differ from traditional methods?

Answer: Online quotes are often faster, more convenient, and can be compared easily with other providers. They allow travellers to review and purchase policies at their own pace without the need for face-to-face meetings.

What should I consider when comparing online travel insurance quotes?

Answer: Look for the coverage amount, inclusions and exclusions, any deductibles, the premium cost, and customer reviews. Ensure the policy covers all your planned activities and destinations.

Are pre-existing medical conditions covered?

Answer: Coverage for pre-existing medical conditions varies by policy. Some insurers might cover them with an additional premium, while others might exclude them. Always disclose such conditions and read the policy wording carefully.

Is domestic travel within New Zealand covered in these policies?

Answer: Some policies might offer both domestic and international coverage, while others might focus solely on international travel. If you require domestic coverage, ensure you select a policy that provides it or consider a separate domestic travel insurance policy.

How soon should I purchase travel insurance before my trip?

Answer: It’s advisable to purchase travel insurance soon after booking your trip. Some benefits, like coverage for trip cancellations, are only available if the policy is purchased within a specific period after booking.

What if the government advises not to travel to my chosen destination?

Answer: If the government advises against travel after you’ve purchased your insurance, some policies might cover cancellation costs. However, if the advisory was in place before purchasing, it’s likely you won’t be covered. Always check the policy wording and stay updated with government advisories.

Can I buy travel insurance if I’m already overseas?

Answer: Some insurers offer policies for travellers who are already overseas, but there might be waiting periods or exclusions. It’s always best to purchase insurance before departing.

What should I do if I need to make a claim?

Answer: In the event of a claim, contact your insurance provider as soon as possible. Provide all necessary documentation, such as medical reports or police reports, and follow their guidance. Ensure you keep all receipts and evidence related to your claim.

Travel insurance policies can sometimes be complex. It’s common to have questions, especially in today’s context with the pandemic. For instance, many wonder about travel cover and COVID-19. It’s always recommended to refer to the travel insurance FAQs or consult with your insurer for specific queries.

Travel insurance is an indispensable tool for New Zealand travellers. Whether you’re exploring the beauty within New Zealand or embarking on an international journey, ensure you’re protected. Always remember to buy online for the best quotes and read the policy wording carefully. Safe travels!

(Note: These FAQs are based on the content of the provided article and general knowledge about travel insurance. Always refer to specific policy documents and consult with insurance providers for detailed information.)

Travel destinations to explore

North america, south america.

TRAVEL | EXPLORE | STAY | BE SAFE

Have you got travel insurance?

Its always a good idea to get travel insurance for yourself and your family before embarking on an oversease trip.

Travel | Explore | Stay | Be Safe is a marketing website. Travel | Explore | Stay | Be Safe   does not hold a financial services licence. The website does not take your personal circumstances into account; as such, all information provided should be considered general and should not be considered as financial advice and or advice or a recommendation. Whilst we take all reasonable care when preparing this information, we do not warrant its accuracy. This site links users to survice provider websites. ALL policy and or service details should be verified with the service providers and or insurance provider before you purchase. You should consider if the service providers and or insurance is suitable for you and read the service provider terms of service and or  policy wording before buying the insurance. We do not issue insurance. Users purchase directly from the service providers and or travel insurance provider.

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

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

Worldwide means anywhere in the world

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

Europe means all European countries, including UK

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

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

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

New Zealand means domestic travel within New Zealand only

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

NZ Travel Insurance Reviews

NZ Travel Insurance is underwritten by Allianz Australia Insurance Limited to ensure all New Zealanders can enjoy a holiday knowing they have an affordable and comprehensive travel insurance policy to cover the unexpected. Policies available to all ages. Dependants under 21 years travel free with a parent or grandparent. Allianz Global Assistance team is available 24/7 for emergency assistance.

Customer Experience

Claims experience, value for money.

Excellent service

Wouldn’t hesitate to use again met all expectations. Claim dealt with by empathetic staff with a real...  Read more

Wouldn’t hesitate to use again met all expectations. Claim dealt with by empathetic staff with a real dedication I’m so happy

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Don't use these fella's. I brought insurance back in August and told by the NZ insurance experts they...  Read more

Don't use these fella's. I brought insurance back in August and told by the NZ insurance experts they won't cover the virus as it's a general exclusion like a nuclear disaster. SCTI have the same clause but are covering if purchased prior to 28 January. Look around and find better options.

Don't use NZ Travel Insurance!

Was assured by two customer service people that I could claim on taxis and there would be no problems...  Read more

Was assured by two customer service people that I could claim on taxis and there would be no problems at all and what do you know ... no payout for taxis and not even an explanation why just $0 on my claim. Very misleading. I wont use again.

Good security feeling .

It all seemed ok thank you. I thought I should have an insurance cover since I booked flights, hotel ...  Read more

It all seemed ok thank you. I thought I should have an insurance cover since I booked flights, hotel and show for two people 8 months in advance and thought anything could happen in between times and a lot of money would be wasted if we couldn't travel.

Refused to cover me when my passport was withheld and I missed my flight

They claimed I breached terms ‘travel documents must be in order’. Any right-thinking person would ex...  Read more

They claimed I breached terms ‘travel documents must be in order’. Any right-thinking person would expect travel insurance to apply. Avoid!

Fast and honest

Had the need to make a claim for a hotel booking we were unable to utilise because of a diverted flig...  Read more

Had the need to make a claim for a hotel booking we were unable to utilise because of a diverted flight - didn’t realise that the excess didn’t apply - so got a pleasant surprise when we were reimbursed the full amount and it was all done without drama and processed very quickly.

We had the best customer service, follow up and support when my husband had an accident in Bali. I wi...  Read more

We had the best customer service, follow up and support when my husband had an accident in Bali. I will be forever grateful that I picked this insurance company who made sure in outback hard times things could run smoothly and get the best care we needed.

It was so easy to apply for Travel cover. A few simple Q's to answer. The claim process was also ...  Read more

It was so easy to apply for Travel cover. A few simple Q's to answer. The claim process was also easy. Able to fill out the form online and email in. I received confirmation of my claim being received and fast response about my claim being accepted. Will use again in the future. Also very cheap - comparable to other providers.

Very clear and easy to follow

Our holiday was payed for right at the beginning all those months back. It was peace of mind right fr...  Read more

Our holiday was payed for right at the beginning all those months back. It was peace of mind right from day one knowing that our airfares and accommodation was all covered for anything untoward that may have occurred beyond anyone control. The price was amazing for the whole package. Well done NZTI

NZ Travel Insurance FAQ

How many people can i include in my policy.

You can purchase a policy online for up to 10 adults.

Am I covered if I go on a cruise?

Yes, you don’t even need to pick a cruise specific policy. Here’s a top tip: Even if you’re travelling in Kiwi waters you still need to pick pacific, not New Zealand as your destination.

Am I covered for skiing and my equipment?

You're covered for $1,000,000 emergency rescue with their premier policy.

Can I pay to reduce or cancel my excess?

Call NZTI to enquire about excess removal.

What additional extras are there?

Replacement cover on baggage items less than two years old and rental vehicle excess.

Am I covered if my tour company collapses?

NZTI doesn’t provide protection from insolvency.

I’m not an New Zeland resident- can I buy cover?

No cover only available to New Zealand residents.

What size moped or motorbike am I covered to ride overseas?

NZTI will cover you for any engine size you ride as long as you’re insured to do so in New Zealand. Just make sure you get your International Drivers Permit (IDP) before you leave!

How long is their single trip cover for?

Can i extend my policy from overseas.

Having too much fun? No problems! You can extend your policy with NZTI for up to 6 months.

Do they cover for my rental vehicle excess?

Yep, you're covered up to $6,000 for reimbursement of the Rental Vehicle insurance Excess or the cost of repairing the vehicle, whichever is the lesser, if a vehicle you have rented from a rental company is involved in an accident while you are driving, or is damaged or stolen while in your custody. Cover excludes sedans, hatchbacks, station-wagon, four wheel drives, mini bus or any vehicle over 4.5 tonnes.

Do they offer pregnancy cover?

Expectant mums are covered up until 23 weeks.

Who underwrites them?

This insurance is issued and managed by Allianz Global Assistance New Zealand Limited Company No.1537730 and underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 (Incorporated in Australia) trading as Allianz New Zealand.

Where are they based?

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

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

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