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.

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Nicola Middlemiss

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Air New Zealand

Pros

  • 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.

Cons

  • 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.
Air New Zealand Travel Insurance is not currently available via Finder. You can head to the Air New Zealand website or compare alternative options available below.

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Summary of Air New Zealand International Comprehensive policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesUnlimited
Luggage and Personal Effects$15,000
Maximum Age Limit99

Table updated September 2023

How does Air New Zealand Travel Insurance cover COVID-19?

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.

What policies does Air New Zealand offer?

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

Travel plane luggage passport

International Single Trip

Hiking

International Annual Multi-Trip

Australian Map Icon

Domestic

Map

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.

Here's a breakdown of Air New Zealand Travel Insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

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

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Optional add-ons

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.

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Exclusions

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
  • An act of war, invasion or revolution
  • 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.

How to make an Air New Zealand Travel Insurance claim

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

Here's the bottom line about Air New Zealand Travel Insurance

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.

Frequently asked questions

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Journalist

Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise
Nicola has written 251 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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2 Responses

    Default Gravatar
    JohnJanuary 27, 2017

    Does the insurance cover if the passenger is 83 yrs?

      AvatarFinder
      RichardJanuary 30, 2017Finder

      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,
      Richard

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