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.
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.
Summary of Air New Zealand International Comprehensive policy
Overseas Medical and Hospital Expenses
Unlimited
Cancellation and Amendment Fees
Unlimited
Luggage and Personal Effects
$15,000
Maximum Age Limit
99
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.
International Single Trip
International Annual Multi-Trip
Domestic
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
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
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.
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
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.
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.
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).
No, you do not have to have a flight booked with Air New Zealand to take out a travel insurance policy.
Request travel insurance quotes and compare policies
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. See full bio
Nicola's expertise
Nicola has written 240 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
Find out how to get travel insurance for children/under 18s travelling without the supervision of their parents and learn the terms and conditions for getting free child cover for your dependent child.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.
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Does the insurance cover if the passenger is 83 yrs?
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