Travel insurance New Zealand

The Trans-Tasman bubble is opening: get travel insurance for New Zealand.

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Important:

Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures
    From April 19 (AEST), a trans-Tasman bubble will allow Aussies to travel to NZ. Whether or not you can travel between the two countries is subject to change at very short notice.

    Travel insurance for New Zealand won't cover specific COVID-19 related disruptions, such as border closures, lockdowns or travel delays, but it can cover cancellation costs and overseas medical costs if you get COVID-19.

    On top of that, it'll cover you for the many other costs that crop up when you're travelling, like replacing stolen items, paying to see a doctor and even covering your rental car excess.

    Name Product Overseas Medical Expenses Cancellation and amendment fees Theft or damage to lugagge COVID-19 expenses Standard excess
    Travel Insurance Saver Annual Multi Trip
    • Unlimited
    • $10,000 to Unlimited
    • $12,000
    Some cover
    $250
    Travel Insurance Saver Comprehensive
    • Unlimited
    • $5,000 to Unlimited
    • $12,000
    Some cover
    $250
    Travel Insurance Saver Essentials
    • Unlimited
    • $2,500 to $40,000
    • $5,000
    $250
    Travel Insurance Saver Bare Essentials
    • Unlimited
    • $2,500
    • $2,000
    $250
    World2cover International Top Cover Travel Insurance
    • Unlimited
    • Unlimited
    • $15,000
    $200
    Fast Cover International Comprehensive Travel Insurance
    • Unlimited
    • Unlimited
    • $15,000
    Some cover
    $200
    CoverMore International Premium Single Trip Travel Insurance
    • Unlimited
    • Cover chosen
    • $15,000
    Some cover
    $250
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    Compare up to 4 providers

    Do I need travel insurance to New Zealand from Australia?

    If the last year has taught us anything, it's to plan for the unexpected. Even if you're only travelling to a country nearby like New Zealand, there's a lot that can happen on your trip. Travel insurance can help — here's how.

    • Delays and cancellations. You won't be covered for things like border closures and lockdowns, but if you need to cancel or reschedule your trip for other reasons like a death in the family, insurance can reimburse you for the costs. It can also pay out if your flight is delayed.
    • Unforeseen medical care. Not all medical expenses are covered by the Reciprocal Health Care Agreement (RHCA) we have with New Zealand — just essential care. Other expenses for accommodation, evacuation or repatriation back to Australia aren't generally covered. A New Zealand travel insurance policy can cover you for this and visits to the doctor, prescription medications and more.
    • Skiing and snowboarding. Lots of Aussies go to New Zealand for skiing and snowboarding. New Zealand travel insurance can cover you for lost or damaged equipment, equipment hire, lost lift passes and even mountain rescues. If you plan to go skiing or snowboarding in New Zealand, you can usually add ski insurance to your policy.
    • Adventure activities. Bungee jumping, skydiving, white water rafting — all popular adventure sports in New Zealand. Many travel insurance policies will cover you for adventure sports for an additional premium.
    • Car mishaps. Lots of us hire a car to explore New Zealand's incredible scenery. When you do, you'll usually have to pay an excess to the rental car company, which can be thousands of dollars. This excess will be an out-of-pocket expense and can be thousands of dollars. If something happens, even a minor windscreen chip, and you might not get it back. If you want to avoid this, consider travel insurance that includes rental car excess insurance.
    • Natural disasters. New Zealand is no stranger to natural disasters, from the 2011 Christchurch and 2016 Kaikoura earthquake to the 2019 White Island eruption. There are thousands of earthquakes every year. Travel insurance can cover medical expenses, lost luggage and cancellation if you're unable to get to your destination.
    • Replacing belongings. Taking a camera, ski equipment or expensive hiking gear on your trip? It can be expensive to replace lost, stolen or damaged items. Travel insurance can make sure it's not.

    Travel insurance New Zealand: COVID-19

    Travel insurance won't cover border closures due to COVID-19, so you might be out of pocket for prepaid accommodation if a travel restriction comes into place.

    However, it's worth reaching out to your airline. You may be able to get a credit or refund if a government-enforced restriction comes into place after you have booked.

    There are several other ways travel insurance can help with COVID-19 related expenses. We looked at a number of insurers and found that a handful of them will cover you for incidents such as:

    • If you're diagnosed with COVID-19 while on your New Zealand trip or before your departure.
    • If you're an essential healthcare worker and need to stay in Australia because your leave is revoked due to COVID-19.
    • If you need to change or cancel your trip because a relative or business partner is diagnosed with COVID-19 and it's life-threatening.
    • If the group or person you're meant to stay with while in New Zealand is diagnosed with COVID-19.
    • If the accommodation you were meant to stay at is closed because of an outbreak.
    • If you die of COVID-19.

    These are the travel insurers that provide cover for some coronavirus related expenses. Remember it won't cover everything, but it will cover you for the inclusions outlined above.

    BrandCOVID-19 expensesCooling off periodOverseas medical expensesTheft or damage to luggageStandard excessApply
    Travel Insurance Saver
    • $2,500
    21 days UnlimitedUp to $12,000$250Get quote
    Covermore logo
    • Some cover
    21 days UnlimitedUp to $15,000$250Get quote
    Easy Travel Insurance
    • Some cover
    21 days UnlimitedUp to $15,000$250More info
    Qantas travel insurance
    • Some cover
    21 days UnlimitedUp to $15,000$70More info
    Medibank Travel Insurance
    • Some cover
    21 daysUnlimitedUp to $15,000$250More info
    Picture not described
    • Some cover
    21 daysUnlimitedUp to $15,000$250More info
    ahm life insurance
    • Some cover
    21 daysUnlimitedUp to $8,000$250More info

    How to find the best policy for New Zealand

    Finding the best travel insurance for your trip to New Zealand can be easy if you know what to look for.

    Compare policies
    Benefits vary between different policies so it's always worth comparing your options. Look at what you're getting and for what price. Using the Finder Rating when getting a quote is a handy way to figure out how comprehensive a policy is. The Finder Rating gives you a score out of ten, which indicates comprehensiveness.

    Check the Product Disclosure Statement (PDS)
    This will tell you the full extent of your cover and its limitations. Make sure you add on any extras you need like snow cover or rental car excess cover, and declare any pre-existing conditions that you have. When buying a policy, you agree that you've read the PDS and accept its conditions.

    Buy early
    Buying your policy as early as possible will give you better value for your money. That's because you won't pay more, you'll just be covered for longer. Cancellation benefits usually start from the moment you buy the policy, so if the unexpected happened, you should be able to claim non-refundable expenses.

    What is the Reciprocal Health Care Agreement (RHCA)?

    The Reciprocal Health Care Agreement (RHCA) is a deal between different countries. The agreement allows citizens to receive free or subsidised healthcare while visiting a partner nation. Australia and New Zealand have an RHCA with each other.

    However, even with the RHCA, you're not covered for everything.

    What's covered:
    ✅ Medically-necessary health care
    ✅ Hospital care
    ✅ Maternity services
    ✅ Pharmaceuticals

    What isn't covered:
    ❌ Health care that can wait until you go home
    ❌ Care from a GP or other primary care
    ❌ Full cost of medicines and GP prescriptions
    ❌ Ambulance travel
    ❌ Health care on most cruises

    How much does a policy cost?

    The cost of travel insurance depends on a number of factors including what level of cover you get, your age, the length of your trip and where you are going.

    That said, we've run some searches to find out how much travel insurance would cost for a 35-year-old spending 2 weeks in NZ. Here are the lowest prices we found for three common levels of cover:

    Budget DirectTick Travel InsuranceFastCover
    Price for 10 days' cover$26.38$24.75$22.90
    Excess$200$200$200
    Overseas emergency medical assistance and hospital expensesUnlimitedUnlimitedUnlimited
    Luggage and personal effects$2,500$2,500Not covered
    Cancellation fees and lost depositsNot covered$5,000Not covered
    Budget DirectTick Travel InsuranceFastCover
    Price for 10 days' cover$41.31$38.08$34.50
    Excess$200$200$200
    Overseas emergency medical assistance and hospital expensesUnlimitedUnlimitedUnlimited
    Luggage and personal effects$5,000$4,000$5,000
    Cancellation fees and lost deposits$12,500$5,000$25,000
    Budget DirectTick Travel InsuranceFastCover
    Price for 10 days' cover$44.18$41.17$43.90
    Excess$200$200$200
    Overseas emergency medical assistance and hospital expensesUnlimitedUnlimitedUnlimited
    Luggage and personal effects$7,500$7,500$15,000
    Cancellation fees and lost depositsUnlimited$20,000Unlimited
    Data last confirmed as correct July 2019

    What benefits and inclusions can I get?

    Most travel insurance policies include the same core benefits, which will cover you for the following:

    ✅ Medical expenses
    ✅ Lost or stolen belongings
    ✅ Delays or cancellations

    ✅ Personal liability
    ✅ Accidental death
    ✅ Permanent disability

    Some policies also offer additional benefits that may be particularly useful if you're visiting New Zealand. This includes cover for the following:

    ✅ Lost or stolen lift passes
    ✅ Rental car excess
    ✅ Lost or damaged snow equipment

    ✅ Special events
    ✅ Adventure sports
    ✅ Mountain rescue

    What activities should you get covered?

    This depends on what you plan on doing while you're there, but if you plan on taking part in any of the following activities, you should definitely consider sports and adventure travel insurance.

    • Abseiling
    • Bungee jumping
    • Caving
    • Deep-sea fishing
    • Hang gliding
    • Horse riding
    • Hot air ballooning
    • Kite surfing
    • River rafting
    • Riding a motorcycle
    • Scuba diving
    • Sea kayaking
    • Skiing or snowboarding
    • Skydiving
    • Snow sports
    • Wakeboarding
    • Water skiing

    This is not an exhaustive list. Always check the PDS of your insurance policy if you're unsure whether a particular sport will be covered or not.

    Of course, if you're heading to New Zealand for a quick city break, you might not need any additional cover for adventure activities.

    Travel Insurance for skiing in New Zealand

    If you're heading to New Zealand for skiing or snowboarding, you should seriously consider getting travel insurance that covers snow sports.
    It's usually an optional extra and you might have to pay a little bit more, but snow sports insurance could easily save you thousands of dollars. Here's how:

    • Getting you off the mountain. An accident on the slopes can require helicopter rescue, which doesn't come cheap. Ski insurance can cover the cost.
    • Paying for unused lift passes. If an injury or even bad weather keeps you off the slopes, ski cover can reimburse you for unused lift passes, equipment hire and lessons.
    • Getting you to a new resort. Many snow sports policies cover your transportation and accommodation expenses if an avalanche or bad weather forces you elsewhere.
    • Paying for damaged equipment. Ski insurance can pay you back for lost or damaged equipment, and it can pay for hire fees if yours is lost, damaged or delayed in transit.

    Ways to get a cheap policy for New Zealand

    We understand money can be tight, but don't let that stop you from buying travel insurance. You can still get a decent policy for a reasonable price. Here's how:

    Know what you need
    Work out what you actually need cover for before you start comparing policies. For example, there's no point paying extra for snow cover if you're not heading to the slopes, and there's no need to have rental car excess insurance if you're planning on using public transport.

    Get a quote and compare prices
    Enter your details in our online tool to receive a bunch of different quotes from our travel insurance partners. You can sort through quotes using the price sorting tool so you can compare the cheapest policies to the most expensive. If you do this, just remember to check what's included in the policy and make sure it's enough for your trip.

    Look for online discounts
    Check out our coupons page for a list of valid discounts. You might be able to find a 10% offer or a discount if you're buying insurance for multiple travellers. Some discounts will be built into your price but you might need a code for others.

    Who should you contact in an emergency?

    Here are some important New Zealand phone numbers if you find yourself in an emergency that your family, friends, tour operator or travel insurance company can't handle.

    Emergency ServicesTelephone
    Police (General Emergency Call)111
    Ambulance and Rescue111
    Fire111
    Healthline (Medical Emergency Call)+64 (0)800 611 116
    Coast Guard New Zealand+64 (0)9 489 1510
    Wellington Air Rescue Centre+64 (0)4 920 2242
    Auckland Air Ambulance Base+64 (0)9 913 2941

    Get New Zealand travel insurance from $2.29 per day

    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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    Frequently asked questions

    Does Air New Zealand offer travel insurance?

    Yes, Air New Zealand offers travel insurance. Air New Zealand isn't one of our partners right now, but you can visit its website at www.insurance.airnewzealand.co.nz for more information or compare alternative options with Finder.

    Can I get covered for a working holiday?

    Yes. You can get travel insurance for a working holiday, but there may be some limitations. Often, travel insurance won't cover you for any manual or hazardous work and won't cover personal liability while working either.

    Is travel insurance mandatory for New Zealand?

    Entry requirements to different countries can change without notice. At the time of publishing, travel insurance for New Zealand is not mandatory (unless on a working holiday visa) but this can change.

    Double-check Smartraveller.gov.au for the most up-to-date information. While it might not be mandatory, we at Finder will always say it's a must when travelling.

    Will travel insurance cover bungee jumping?

    New Zealand is known for being a hot-spot for adventure sports. Most insurance policies will actually cover you for bungee jumping, white water rafting, zip-lining and hiking, but you should always check the PDS of your insurer.

    Some brands might actually charge extra for this cover, so it's best to keep an eye out.

    Is Medicare accepted in New Zealand?

    Your Medicare card won't be accepted as such, but you can still get medical care through the Reciprocal Health Care Agreement. This is for emergency medical care only and may not include other expenses such as ambulances, own-going medications and hospital cash allowances.

    Do I need insurance for my rental car?

    Most rental cars already include some sort of standard insurance called a Collision Damage Waiver or a Loss Damage Waiver. These waivers protect you from having to pay out the full value of the rental car if it gets damaged or stolen. So instead of paying the full amount, the rental company will charge you an excess.

    This excess will be an out-of-pocket expense and can be thousands of dollars. If you want to avoid this, consider travel insurance with rental car excess insurance.

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    2 Responses

      Default Gravatar
      MichelleOctober 12, 2017

      My family of 5 is traveling to New Zealand for just over four weeks from early December to early January. I am wondering if we need to get travel insurance or not? I know basic medical is covered as we are covered by Medicare and New Zealand recognises that as cover for them.

        Avatarfinder Customer Care
        JhezOctober 13, 2017Staff

        Hi Michelle,

        Thank you for your comment.

        Australians can access New Zealand’s public health care system in an emergency, but travel insurance is still essential. New Zealand and Australia have a reciprocal health care agreement, meaning that Australian travellers can access New Zealand’s public health service in an emergency, and vice versa. You’ll still have to pay some fees for treatment and medication (you’ll be charged the same amount as a New Zealand resident) and it’s important to remember the agreement isn’t a replacement for travel insurance – which is always a necessity. Remember to take your Medicare card with you – you’ll need it, along with your passport, to prove that you’re eligible.

        Please fill out the Travel insurance form to get quotes for your trip to New Zealand. Please ensure you review the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

        Regards,
        Jhezelyn

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