Travel insurance for New Zealand

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A guide to travel insurance for New Zealand

Last updated March 19, 2024
Written by Tiana Lee-Collins
Reviewed by Adrian Taylor

Travel insurance tips: New Zealand

Catriona Rowntree’s top travel insurance tips for New Zealand.
Catriona Rowntree

Why take out travel insurance for New Zealand?

Travel insurance can help provide you peace of mind in the event any unforeseen events disrupt your trip or cancel it altogether. Your policy may include a number of benefits, depending on your level of cover, including:

  • Medical cover, as Australia and New Zealand’s Reciprocal Health Care Agreement with each other will typically only cover emergency medical treatment.
  • Cancellation cover if your trip is disrupted by an injury, illness or other covered issue and you need to cancel your trip part-way through or before it even begins.
  • Cover for natural disasters if one occurs unexpectedly and you need to pay for unexpected accommodation, transport costs or additional expenses, such as cancelled tours.

Choosing travel insurance for New Zealand

If you’re looking to get travel insurance for New Zealand, there are a few things you should consider when choosing a policy that suits your needs:

  • New Zealand is a great place to go skiing, but it’s important to make sure you have ski cover so you may have coverage for things such as on-piste injuries or reimbursement for ski passes if the slopes are closed due to bad weather.
  • If you’re looking to drive around, it’s a good idea to get rental car excess cover in case your vehicle is damaged and you need to pay the rental company an excess.
  • Depending on whether you’re travelling alone, visiting for business or taking a family holiday, consider what type of travel insurance is the best fit for your travel plans.

Expert tips for choosing the right travel insurance for New Zealand

To help you decide on a policy that suits your trip’s needs, our travel insurance expert, Adrian Taylor, has some first-class tips for you.

Adrian Taylor
Executive General Manager – General Insurance

Consider what cover your holiday needs

A suitable policy may include cover for medical expenses, cancellation fees, personal liability, luggage and rental vehicle excess. Depending on your itinerary, you may also need additional coverage for cruise or ski holidays.

Declare your pre-existing conditions

Always declare any pre-existing medical conditions as part of your travel insurance application, as not all pre-existing conditions are covered. Some conditions may require an additional premium to be covered for related medical costs while overseas.

Frequent travellers may prefer annual cover

If you plan to take three or more single trips throughout the year, you may find greater value in purchasing an annual multi-trip policy. Also known as annual cover, it can cover all your trips – up to a maximum number of days per trip – for a full year.

About travel insurance for New Zealand

Does an Australian need travel insurance for New Zealand?

What to do in an emergency in New Zealand

Inclusions and exclusions

What should travel insurance for New Zealand cover?

What’s excluded from travel insurance for New Zealand?

Meet our travel insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance, Adrian Taylor believes in educating customers about the importance of travel insurance so that anyone can kick back and make the most of their time away from home. While no one wants a disrupted holiday, a suitable travel insurance policy can provide a financial safety net for yourself, your belongings and your trip in case things go wrong.

1 Australian Government Department of Foreign Affairs and Trade. Consular State of Play 2021-22. Accessed July 2023.

2 Smartraveller, Australian Department of Foreign Affairs and Trade. Consular Services Charter. Updated May 2022. Accessed July 2023.

3 Smartraveller, Australian Department of Foreign Affairs and Trade. New Zealand. Updated May 2023. Accessed July 2023.