Air New Zealand Travel Insurance Review

Enjoy unlimited cover for overseas medical fees, trip cancellation costs and additional expenses with Air New Zealand Travel Insurance.

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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

    Our Verdict

    • Out of ten insurance companies that we compared, Air New Zealand travel insurance was one of just three to offer some kind of cover for COVID-19 related events. This includes cancelling your trip if you have coronavirus and repatriation costs.
    • Air New Zealand travel insurance offers flexible policies that you can customise to suit your travel needs; choose your excess on international policies, add extra cover for valuable items and add specialist motorsports or snowsports cover.
    • Air New Zealand travel insurance could be more senior-traveller friendly. All of its policies have an age limit of either 64 or 69. This is nearly half the age limit imposed by leading brands such as SCTI - it insures anyone up to the age of 118.

    Review by our senior insurance writer James Martin

    Compare travel insurance policies from Air New Zealand to find the one that's right for your needs. If you're travelling domestically or overseas, want comprehensive cover or just protection from a few key issues, there's a policy to help you travel worry-free.

    Air New Zealand travel insurance is not currently available via finder. You can visit their website at for more information or compare alternative options available below.

    Compare your travel insurance quotes

    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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    Air New Zealand travel insurance is an opt-out choice that's included and charged for by default when buying online. You are automatically charged when buying Air New Zealand tickets online. If you have made alternate arrangements or otherwise do not want it, simply uncheck the “travel insurance” when booking online.

    To find the right Air New Zealand travel insurance, you need to ask yourself three questions:

    1. Do I want basic travel insurance for protection against a few specific things, or comprehensive travel insurance?
    2. Am I travelling domestically within Australia, or going overseas?
    3. Am I planning a single trip, or multiple trips?

    Depending on how you answer these questions, there is a different policy that better suits your needs.

    Travel Insurance policies available from Air New Zealand

    Basic travel insurance policies

    These cost less than comprehensive policies, but have lower limits and cover fewer eventualities. Air New Zealand offers different basic policies depending on whether you are travelling domestically within Australia, or to overseas destinations.

    Basic domestic travel insurance

    There are two Domestic Cancellation plans. These only cover additional accommodation and transportation expenses resulting from needing to amend travel plans due to events like sickness, accidents, loss of travel documents, natural disasters, strikes, unknowing breaches of quarantine and delays due to severe weather:

    You have two simple options here:

    • Get covered for up to $1,000 for $20
    • Get covered for up to $2,000 for $40
    Basic international travel insurance

    This will cover you against a few select hazards you may encounter while travelling internationally. As a basic policy, it is less expensive than the comprehensive equivalent. It offers up to:

    • $10 million of cover for overseas medical and dental expenses, including surgery, ambulance, hospital, nursing and emergency dental costs
    • $10 million of cover for additional accommodation and transportation expenses resulting from delays due to sickness, strikes, natural disasters and loss of travel documents
    • $10,000 cover if, due to unforeseen circumstances beyond your control, you must rearrange or cancel your travel plans
    • $3,000 of cover for loss, theft or damage to luggage and personal effects
    • $1,000 to replace lost or stolen travel documents or credit cards
    • $600 for buying essential supplies if your luggage is delayed for more than ten hours
    • $1,000 for accommodation if your scheduled transport is more than six hours delayed
    • $1 million for personal liability costs if, as a result of your negligence, you are legally liable for the property damage, injury or death of a third party

    Comprehensive travel insurance policies

    These comprehensive travel insurance policies from Air New Zealand offer protection against a wide range of events and have high limits, but cost more than basic options.

    Comprehensive domestic travel insurance

    When travelling within Australia, comprehensive Air New Zealand travel insurance will offer up to:

    • $50,000 for medical expenses incurred while travelling on a cruise ship within Australian waters
    • $20,000 for additional accommodation and transportation expenses relating to changed travel plans resulting from delays or changes due to strikes, natural disasters, sickness and loss of documents
    • $10,000 for amendment or cancellation costs
    • $4,000 for loss, theft or damage of luggage and personal effects
    • $3,000 for travel documents and cards
    • $1,000 delayed luggage allowance
    • $3,000 for rental car insurance excess if you damage a rental car
    • $500 if your scheduled travel is more than 6 hours delayed
    • $2,000 for transport to a defined special event, if you would otherwise miss it due to circumstances beyond your control
    • $10,000 accidental death cover payable to your estate
    • $300,000 personal liability cover
    • $1,100 total maximum cover for nonrefundable ski lift passes and ski resort closures, or rental gear following theft
    Comprehensive international travel insurance

    Air New Zealand’s comprehensive international travel insurance offers wide-ranging protection against a variety of hazards and unforeseen issues, including up to:

    • Unlimited overseas medical and dental expenses
    • Unlimited additional expenses for additional transport and accommodation if unforeseen circumstances disrupt your travel plans
    • $12,000 for luggage and personal effects
    • $3,000 for replacement of lost or stolen credit cards and travel documentation
    • $1,000 for buying essentials if your luggage is delayed
    • $250 for lost or stolen cash
    • $5,000 rental car excess insurance
    • $2,000 for accommodation in the event of travel delays
    • $3,000 airfare compensation for prepaid airline tickets if injury cuts your trip short
    • $3,000 for returning overseas if you are forced back to Australia for an emergency
    • $2,500 to get you to defined special events that you would otherwise have missed
    • $8,000 for additional hospital expenses
    • $10,000 for loss of income if you are unable to work on your return to Australia as a result of injuries sustained abroad
    • $12,500 if you suffer blindness in one or both eyes, or lose a limb while travelling
    • $25,000 accidental death benefit while overseas
    • $3 million of personal liability cover while travelling
    • $15,000 for legal expenses incurred while seeking compensation for damage or injuries
    • Up to $1,100 total maximum cover for nonrefundable ski lift and resort passes, with sublimits for hiring rental gear following theft of your own equipment

    Single vs multi-trip insurance policies

    When taking out a travel insurance policy with Air New Zealand you can choose to cover either:

    • One single trip within the next 12 months, with your nominated primary destination being the country where you will spend the most time on your journey. This single trip refers to one full journey, even if it involves multiple flights and destinations
    • Annual multi-trip, if you will be travelling multiple times between your home and other destinations in the next 12 months, provided the other destination is more than 250km from your home.

    Both single and multi-trip Air NZ travel insurance policies are available for both domestic and international travel, with the benefits previously mentioned.

    Additional options to consider

    Air New Zealand travel insurance policies let you select additional options to cover things that are important to you, or protect against hazards you are likely to encounter. These include:

    • Flexible excess: International travel policies let you choose your excess. Higher excesses mean lower premiums, but incur additional costs when making a claim.
    • Extra cover for valuables: You are able to increase limits for laptops, tablets, smartphones, cameras, dentures, recreation equipment and other items. Standard policies may not cover the complete value of these items, so this can be a good option if, for example, you travel with a valuable new laptop or a set of luxury golf clubs.
    • Increased rental car excess cover: By paying an additional premium you are able to increase your rental car insurance excess in $500 increments, to a maximum of an additional $5,000.
    • Motorcycle and moped insurance: You are able to add motorcycle insurance to your policy, both as a driver and pillion passenger. This is only valid for motorcycles with an engine capacity of 200cc or less, if you are wearing a helmet, not driving it in a professional capacity, are not racing it and hold a valid license in the relevant country.
    • Snowsports cover: This refers to skiing, snowboarding and snowmobiling, and injuries or loss incurred while doing them. It is automatically included at no extra cost when travelling within Australia or to New Zealand, but must be added at additional cost when travelling overseas. Either way it will only cover you on-piste, if you are not racing and if you are not participating in a professional capacity.

    Air NZ travel insurance covers many activities covered by default and at no extra cost.

    Who is eligible?

    To be eligible for standard Air NZ travel insurance policies, and to successfully claim, you must generally:

    • Be less than 70 years old
    • Be up to date with relevant vaccinations
    • Have valid passports and travel documentation
    • Follow all medical advice given you to by a professional
    • Not travel to certain areas in the Americas or Africas if you have a history of heart or lung conditions (not including asthma if you are under 60) or reduced immunity
    • File a police report with the relevant authorities within 24 hours of loss
    • Inform Air New Zealand insurers of your intent to make a claim as soon as reasonably possible
    • Seek medical attention for health issues as soon as is reasonable
    • Stay within the bounds of the law in the country you are in
    • Obey safety instructions, warning signs and exercise appropriate caution where applicable

    How to make a claim

    To file a claim you must fill out an Air New Zealand claim form and send it to their claims department in Sydney, Australia.

    This form will require you to provide the following details:

    • Name, address and date of birth
    • Bank details so they can pay you
    • Details of the credit card used to purchase flights so they can confirm records and check whether you are able to claim any built-in travel insurance the card might offer
    • Your travel itinerary, certificate of insurance and credit card statements showing purchase of travel arrangements
    • Details of the claimable incident, including time, location, who was involved and any other relevant details. The claims form will offer a different section for each type of claimable event. You are required to fill in all relevant parts to make a claim.

    Some final questions you may have

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    2 Responses

      Default Gravatar
      JohnJanuary 27, 2017

      Does the insurance cover if the passenger is 83 yrs?

        Avatarfinder Customer Care
        RichardJanuary 30, 2017Staff

        Hi John,

        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,

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