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Compare Travel Insurance for New Zealand

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New Zealand
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“Not all those who wander are lost.”

— J.R.R. Tolkien

Explore New Zealand with Confidence

New Zealand is a top travel destination for Australians, offering breathtaking (and often untouched) landscapes, bungee and adventure sports, and picturesque beaches and forests - all just a few hours away by plane.

Because of its close proximity to Australia, it’s easy to overlook the need for travel insurance - but whether you’re hitting the slopes in Queenstown, exploring Rotorua’s geothermal wonders, or road-tripping across the North and South Islands, unexpected events can disrupt your plans.

Travel insurance for New Zealand ensures you're protected from an array of unforeseen costs, so you can focus on enjoying your Kiwi adventure with peace of mind. With the right cover, you can embrace the natural beauty and cultural experiences without worrying about unexpected financial setbacks.

Why You Need Travel Insurance for New Zealand

Even a short trip across the Tasman can come with challenges, from weather disruptions to medical emergencies and lost belongings. Travelling to New Zealand still presents risks that can lead to costly expenses. Travel insurance for NZ can cover:

While Australia and New Zealand have a reciprocal healthcare agreement, it only covers basic medical treatment at public hospitals. You may still face high costs for private care, emergency transport, or specialist treatment. Travel insurance can ensure you’re covered for these expenses (if necessary and appropriate), as well as emergency evacuation if deemed medically necessary. If you have a pre-existing condition, travel insurance can provide coverage for unexpected flare-ups, ensuring you aren’t left with hefty medical bills during your trip, as long as it’s one of the 46 pre-existing medical conditions we cover (terms and conditions apply).

New Zealand is one of the adventure capitals of the world, offering bungee jumping, skiing, white-water rafting, and glacier hiking. Many standard travel insurance policies exclude extreme sports, so if you're planning high-adrenaline activities, be sure to understand what activities your travel insurance plan covers you for, and to purchase any additional add-on cover appropriate for your activity. Terms and conditions can apply, so be sure to read the PDS for details. Even less extreme outdoor activities, such as hiking one of New Zealand’s majestic mountains or cycling the Otago Rail Trail, carry risks. Travel insurance can provide coverage for unexpected injuries, emergency rescues, and unexpected cancellations due to bad weather.

Being so close to each other, flights between Australia and New Zealand are usually reliable, but delays and cancellations do sometimes happen - especially due to unexpected weather conditions in winter or airline disruptions. Travel insurance can cover prepaid flights, hotels, and tours if your plans are affected. If you need to return to Australia early due to an unforeseen emergency, travel insurance can help cover the cost of rearranging flights and accommodation.

While New Zealand is generally safe, thieves and scammers may still operate in tourist-heavy areas like Auckland, Tauranga, Rotorua, Wellington, and Queenstown. If your belongings, including passports, phones, or valuables, are lost or stolen, travel insurance can help you recover the costs. Travel insurance also covers damage to important items, such as luggage that is broken during transit or missing baggage that never arrives at your destination (subject to limits).

The classic Kiwi road trip is a popular holiday option in New Zealand, but road conditions can be challenging - particularly in rural areas, over holiday seasons, or during winter. If you rent a car in NZ and have an accident, your rental provider may charge a high excess. Travel insurance can help cover these costs, and having Rental Excess Cover can help reduce the financial stress of any accidents that may happen along the way.

Travel Insurance for New Zealand

At travelinsurance.com.au, we offer 3 insurance plans levels

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Optional Add-Ons for New Zealand

Snow Cover

If you’re heading to the Kiwi ski slopes of Queenstown, Wanaka, or Mount Ruapehu, snow sports cover is essential. It includes protection for injuries on the slopes, equipment damage, and ski pass refunds if bad weather prevents you from hitting the snow. Snowstorms and avalanches can impact ski travel, and travel insurance can help cover associated delays and interruptions.

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Car Rental Excess Cover

Planning a road trip? Many rental companies charge high excess fees if your vehicle is damaged or involved in an accident. Adding car rental excess cover to your policy could save you from unexpected costs. This is particularly useful on New Zealand’s roads, where gravel surfaces, unpredictable weather, and narrow or difficult driving conditions increase the risk of minor accidents.

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Cruise Cover

Cover for events that occur whilst you are on a multi-night cruise (limits & conditions apply) - single night cruises and scheduled ferry crossings are automatically covered.

Pet Boarding

Up to $200 per day, to a maximum of $1400 if your return from overseas is delayed and you need to extend your pet boarding arrangements

Motorcycle/Moped Pack

Essential if you plan on renting a scooter or motorbike.

Here’s How to Compare our Travel Insurance Plans for New Zealand

  • Instant Online Quote: Enter your trip details and get an instant quote online.

  • Choose Your Cover: Select from Medical Only, Economy, Premium Economy, Business Class or First Class.

  • Add Optional Extras: Customise your plan based on your activities and needs.

  • Purchase & Confirm: Secure your cover online and receive instant confirmation.

  • Stay Covered: In case of an emergency, contact our 24/7 assistance team for immediate support.

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Where Can I Get Travel Insurance for New Zealand?

Buying travel insurance for visiting New Zealand is simple with travelinsurance.com.au. Whether you're trekking through one of New Zealand’s National Parks, visiting Hobbiton, or relaxing in a hot spring, the right travel insurance ensures you're covered for an array of unexpected events.

With customisable cover for medical emergencies, trip cancellations, and lost belongings, you can travel with confidence knowing you can be protected every step of your journey.

Frequently Asked Questions about Travel Insurance New Zealand

According to Smartraveller, travel insurance is highly recommended for travel in general, including for New Zealand. While the Australia-NZ healthcare agreement covers some medical treatment, it does not cover private healthcare, emergency evacuation, or lost belongings. Travel insurance provides financial protection against unexpected, necessary expenses.

We automatically cover you for a bunch of adrenalin activities including

  • Surfing / windsurfing / kitesurfing
  • Mountain bike riding
  • Jet Boating
  • Parasailing
  • Rafting
  • Kayaking
  • Hiking
  • Waterskiing, and...
  • Bungy jumping

Make sure you check the PDS to make sure your activity is included.

If your belongings are lost or stolen, travel insurance can reimburse you for the cost of replacements, up to your policy’s limits. Be sure to report theft to the New Zealand authorities as soon as possible to support your claim.

If your flight is cancelled for a covered reason, such as unexpected severe weather or airline strikes, travel insurance can reimburse you for non-refundable expenses like accommodation and tour bookings.

It does not cover you for comprehensive car insurance which is highly recommended. You can add our optional Car Rental Excess Cover to your policy though. This helps cover the excess amount charged by your rental company if your vehicle is damaged or stolen. Given New Zealand’s unpredictable driving conditions, this cover can be particularly valuable.

*Note that not all benefits apply and will depend on whether you have selected them (and are reflected on your Certificate of Insurance). Terms, conditions, exclusions, limits and sub-limits apply. Please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for further details.