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

    • Air New Zealand travel insurance is one of a handful of providers who'll offer some 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 head to the Air New Zealand website or compare alternative options available below.

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    Air New Zealand travel insurance can be purchased as a standalone policy or as 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.

    Summary of Air New Zealand's International Comprehensive policy

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

    Table updated January 2022

    Here's a snapshot of your travel insurance options from Air New Zealand.


    International Single Trip

    Highest level of cover offered by Air New Zealand. Get cover for unlimited medical expenses down to theft of cash.


    International Multi-Trip

    Designed for those frequent travellers. If you're planning to get away more than once over the next 12 months, this could save time and money.

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    A pocket-friendly option that covers the essentials like medical, personal liability and additional expenses.

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    New Zealand and South Pacific

    Since you won't be too far from home, you can save some money in exchange for a reduction of benefits.

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    Get covered for your backyard adventures with cover for cancellation costs, lost or stolen luggage and rental car excess included.

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    Domestic Cancellation

    A stripped-down policy to cover you if you need to rearrange or cancel your trip.

    Air New Zealand travel insurance review of policy benefits

    International Single TripInternational Multi-TripWorldwideNew Zealand and South PacificDomesticDomestic Cancellation
    Overseas medical and dental expensesUnlimitedUnlimited$1,000,000$200,000$50,000
    Additional expensesUnlimitedUnlimited$1,000,000$200,000$20,000Cover chosen
    Amendment or cancellation costsUnlimitedUnlimited$20,000$10,000$10,000Cover chosen
    Luggage and personal effects$15,000$15,000$12,000$12,000$6,000
    Rental car insurance excess$5,000$4,000$3,000$3,000$3,000
    Travel delay expenses$2,000$1,500$1,000$1,000$500
    Hospital incidentals$8,000$6,000
    Loss of income$10,000$10,000
    Accidental death$25,000$25,000
    Personal liability$3,000,000$2,500,000$1,000,000$1,000,000$300,000

    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, even if it involves multiple flights and destinations
    • Annual multi-trip for unlimited trips of no more than 60 days each in the next 12 months, provided the destination is more than 250km from your home or you've booked at least one night's accommodation.

    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 can 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 can increase your rental car insurance excess in $500 increments, to a maximum of an additional $5,000.
    • Motorcycle and moped insurance: You can add motorcycle insurance to your policy, both as a driver and pillion passenger. This is only valid for motorcycles with an engine capacity of 250cc 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 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.

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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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