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• Travel Insurance

Already with AMI? Take 10% off your travel insurance.*

*Use promo code AMICUST Discount applies to existing AMI customers and to premiums for the standard policies net of Government levies and GST (if applicable). Discounts do not apply to premiums for cover additional to standard policies or to any minimum premium.

Great options to suit your travel within New Zealand or overseas

Overseas cover & annual multi-trip cover

Our overseas travel covers medical, dental and hospital treatment*, lost luggage, and personal liability, and can get you and your family home in certain emergencies.

Travel a lot? Take out our annual multi-trip option and you’re covered for as many trips as you like, for 12 months.**

Find out more

Domestic Cover

If your plans while travelling in New Zealand change unexpectedly, we can cover the cost of cancelling or amending your flight, accommodation or rental car bookings and other expenses, up to $10,000.

Inbound Cover - Visiting NZ

Are you a non-resident visiting friends and family in NZ, or on a working holiday? Our Inbound plan can cover medical and dental expenses, luggage and travel documents, rental vehicle insurance excess, personal liability and more!

Travel Cover During Covid-19

Planning an adventure? Check out our scenario-based FAQs explaining how we could cover you if Covid-19 plays havoc with your trip: AMI Travel Cover and Covid-19 FAQs

Find out before you go – our Covid-19 Benefits Destination Guide explains how AMI Travel cover applies when travelling to different international destinations: Covid-19 Benefits Destination Guide

Still unsure? Ask us a question

Compare our Travel Cover Plans

Every driver’s different, so our car policies come with different features.

Policy benefits

Medical and dental expenses

Additional expenses

Amendment or cancellation costs

Luggage and travel documents

Delayed luggage allowance

Rental vehicle insurance excess

Travel delay

Resumption of journey

Missed connections

Special events

Hospital incidentals

Loss of income

Accidental death

Legal expenses

Personal liability

Get a travel quote now

This is only a summary of benefits provided. Please refer to AMI Travel Policy Wording for full details of the cover provided. Please read the entire document carefully to understand what this policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply.

Specific terms, conditions and exclusions apply to Covid-19. See the policy wording for the most up to date information.

* Cover will not exceed 12 months from the onset of the illness or injury. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to our Inbound Plan. ^ Cover chosen applies per policy. See the policy wording . • Item limits apply for any one item, set or pair of items including attached or unattached accessories. You may increase these item limits if you wish. See the policy wording . # If you or your travelling companion are diagnosed with Covid-19 by a qualified medical practitioner and are unable to travel, you can claim cancellation or amendment costs for your prepaid trip up to a benefit limit of $10,000 per policy on an international Plan or $5,000 per policy on a Domestic Plan or if applicable, up to the level of cover purchased for cancellation (whichever is lower). There is also no cover if symptoms or diagnosis occurred prior to buying your policy. ~ The maximum liability collectively 14, 15, and 16 is $15,000 International Plan, and $10,000 on a Domestic Plan

This is only a summary of the benefit provided. Please refer to the policy wording . For details of the cover provided. Please read the entire document carefully to understand what the relevant policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply, and this summary of benefits table may change at any time.

Before you travel

Travel safety

Find out more information about events that may affect you when you travel.

Travel tips

Our team of intrepid Kiwi travellers has come up with a list of handy travel tips to help make your holiday even better.

AMI Travel insurance is underwritten by Zurich Australian Insurance Limited ("ZAIL") incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. IAG New Zealand Limited (“IAG”), of which AMI is a business division, is not the insurer. IAG receives a commission for the issue of AMI-branded travel policies arranged through Cover-More (NZ) Limited (“Cover-More”). Cover-More administers the policy and acts on behalf of Zurich New Zealand. IAG does not guarantee Zurich New Zealand or Cover-More.

AMI Travel Website Disclaimer 12072022

Limits, sub-limits, conditions, and exclusions apply. Standard excess may apply.

AMI Travel insurance is administered by Cover-More NZ Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640 , trading as Zurich New Zealand. For further information see Zurich New Zealand's financial strength rating .

Any advice is general advice only. Consider the AMI Travel Policy Brochure and wording therein before deciding to buy this product. IAG receives a commission for the issue of AMI branded travel policies arranged through Cover-More (NZ) Limited ("Cover-More").

IAG New Zealand Limited ("IAG"), of which AMI is a business division, is not the insurer. IAG does not guarantee Zurich New Zealand or Cover-More.

Quick and easy claims We're here for you if something disrupts your trip. Save time and submit your claim online.

Where are you going.

Worldwide including the Americas, the Caribbean and Antarctica: Antarctica (Cruising), Antigua and Barbuda, Argentina, Bahamas, Barbados, Belize, Bermuda, Bolivia, Brazil, Canada, Cayman Islands, Chile, Colombia, Costa Rica, Cuba, Dominica, Dominican Rep, Ecuador, El Salvador, Falkland Islands, French Guiana, Greenland, Grenada, Guadeloupe, Guatemala, Guyana, Haiti, Honduras, Jamaica, Martinique, Mexico, Netherlands Antilles, Nicaragua, Panama, Paraguay, Peru, Puerto Rico, St. Kitts and Nevis, St. Lucia, St. Vincent and Grenadines, Suriname, Trinidad and Tobago, United States of America, Uruguay, Venezuela, Virgin Islands.

Africa, Middle East, Indian Sub-Continent and Asia (other): Afghanistan, Algeria, Angola, Azores, Azerbaijan, Bahrain, Bangladesh, Benin, Bhutan, Botswana, Burkina Faso, Burundi, Cameroon, Canary Islands, Cape Verde, Chad, China, Central African Republic, Comoros, Congo (Dem. Rep), Djibouti, Egypt, Eritrea, Ethiopia, Equatorial Guinea, Gabon, Gambia, Ghana, Guinea, Guinea Bissau, India, Israel, Iran, Iraq, Ivory Coast, Jordan, Kazakhstan, Kenya, Korea (north), Korea (south), Kuwait, Kyrgyzstan, Lebanon, Lesotho, Liberia, Libya, Macau, Madagascar, Mauritius, Mauritania, Mozambique, Maldives, Malawi, Mali, Mongolia, Morocco, Namibia, Nepal, Nigeria, Niger, Oman, Pakistan, Qatar, Reunion, Rwanda, São Tomé and Príncipe, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, South Korea, South Sudan, Sri Lanka, Sudan, Swaziland, Syria, Taiwan, Tajikistan, Tanzania, Togo, Tunisia, Turkey, Turkmenistan, Uganda, United Arab Emirates, Uzbekistan, Yemen, Zambia, Zimbabwe.

Europe: Albania, Andorra, Armenia, Austria, Belarus, Belgium, Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Herzegovina, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Maderia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, Vatican City.

UK: Channel Islands, England, Northern Ireland, Scotland, United Kingdom, Wales.

South East Asia, Hong Kong, Japan: Brunei, Cambodia, East Timor, Federated States of Micronesia, Guam, Marshall Islands, Micronesia, Hong Kong, Indonesia, Japan, Kiribati, Laos, Malaysia, Myanmar (Burma), Nauru, Northern Marianas, Palau, Papua New Guinea, Philippines, Singapore, Thailand, Vietnam

South Pacific and Norfolk Island:  Cook Islands, Fiji, French Polynesia, New Caledonia, Niue, Norfolk Island, Samoa, Solomon Islands, Tokelau, Tonga, Tuvalu, Vanuatu, Western Samoa.

New Zealand Only:  New Zealand domestic travel

New Zealand Inbound Travellers :   New Zealand

Dates of Travel

Departure date (travel start date).

Single Trip - The date you depart New Zealand

Cover under the Amendment or Cancellation Costs benefit begins from the time you buy your policy. Cover under all other sections begins from the Travel Start Date you select.

Annual Multi-Trip - The date your policy will commence

Cover under the Amendment or Cancellation Costs benefit begins from the time you buy your policy. For further information, we recommend you read the definition of "Relevant Time" in the Policy Wording.

Return date - (Travel end date)

Single Trip - The date you return to your home

Annual Multi-Trip

Regardless of what you enter as the Return date, you will be quoted for a 12 month Annual Multi-Trip policy.

For further information we recommend that you read the definition of "Relevant Time" in the Policy Wording.

Traveller Details

Age of each traveller at issue date

Simply enter the age of each traveller including children.

Only use as many boxes as you have travellers.

Do all travellers live in New Zealand?

New Zealand resident travellers are able to purchase Travel Insurance policies from us to any area of travel and any country/destination.

Non-New Zealand resident travellers are only able to purchase a Travel Insurance policy if travelling inbound to New Zealand.

For Non-New Zealand resident travellers wanting to purchase Travel Insurance to travel to any other part of the world other than travel to New Zealand, please contact us as we may still be able to offer cover to you.

Compare Travel Insurance

Compare Outstanding Value Travel Insurance

Compare Travel Insurance By Destination

Outstanding Value Travel Insurance Awards

Click profile to compare 5-Star Outstanding Value Travel Insurance:

International travel, trans-tasman travel, south pacific cruise, seniors travel, 5-star international travel insurance, 5-star trans-tasman travel insurance, 5-star south pacific cruise travel insurance, 5-star seniors travel insurance.

2023 Outstanding Value Travel Insurance Awards

Compare Travel Insurance by Destination

Canstar’s full travel insurance Star Ratings break down the best insurance providers and products for the following global holiday destinations, plus all destinations for senior travellers:

• Africa & Middle East
• Domestic Cruise
• Pacific Cruise
• Seniors – all destinations

Important information

• The Star Ratings in this table were awarded November 2023. The current features, rates and fees may be different to what was rated. The Star Rating shown is only one factor to take into account when considering a product. See our Ratings Methodology .
• The initial table display is sorted by Star Rating and then alphabetically by company.
• Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Canstar is not providing a recommendation for your individual circumstances.  See our Detailed Disclosure .
• Data in the table is updated from time to time to reflect product changes notified to us by product issuers. Check current product details and investment options with the product issuer. Consider the Product Disclosure Statement before making a purchase decision.
• The table above may not include all providers in the market and may not compare all features relevant to you. Canstar is not providing a recommendation for your individual circumstances.
• Canstar may earn a fee for referrals from its website tables, and from sponsorship (advertising) of certain products. Payment of sponsorship fees does not influence the star rating that Canstar awards to a sponsored product. Fees payable by product providers for referrals and sponsorship may vary between providers, website position, and revenue model. Sponsorship fees may be higher than referral fees. Sponsored products are clearly disclosed as such on website pages. They may appear in a number of areas of the website such as in comparison tables, on hub pages and in articles. Sponsored products may be displayed in a fixed position in a table, regardless of the product’s rating, price or other attributes. The table position of a sponsored product does not indicate any ranking, rating or endorsement by Canstar. See  How We Get Paid  for further information.

Compare Travel Money Cards

Headed off overseas and looking for the best in money cards? Here’s a rundown of some of the most popular cards in New Zealand:

The display order does not reflect any ranking or rating by Canstar.

This information is not an endorsement by Canstar of travel money cards or any specific provider. Information correct as of 20/09/23. For full pricing details see individual providers’ websites.

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What is travel insurance and why do you need it when you travel?

What is travel insurance?

Travel insurance is financial cover for emergencies, accidents or loss that might occur to you or your belongings while you are travelling either domestically or internationally.

Why do you need travel insurance?

The New Zealand government website SafeTravel recommends travel insurance for anyone taking a trip away from home, especially overseas.

If you don’t have travel insurance and you lose your luggage, have an accident, medical emergency, or legal incident, you could face huge bills.

Cancelled flights and hotel accommodation can leave you out of pocket by thousands of dollars, but medical expenses can be even worse. A health emergency overseas can end up costing hundreds of thousands of dollars.

However, if you have travel insurance, you can travel confidently knowing you can get financial help in an emergency.

What else should you do before you travel?

In addition to organising travel insurance, before you leave:

• If you are going overseas, visit the SafeTravel website’s Travel Advisories page to ascertain the current risks of travelling to your chosen destination. If a country is flagged with a “Do Not Travel” advisory, be aware that you may not be able to obtain insurance for the trip.
• Regardless of where you are going, register your plans with SafeTravel. Your details will be stored securely and only used to reach you in an emergency.
• Ensure you have all the relevant travel documentation to take with you on your trip, and that a trusted friend or relation in NZ has a copy, too.
• Record the contact details of the New Zealand Embassy in your country of destination – just in case you need it.

Types of travel insurance and what they cover

There are two types of travel insurance cover policies.

1. Domestic travel insurance

Domestic travel insurance policies usually cover you for events such as:

• Lost or stolen luggage or other items
• Cancelling your trip unexpectedly due to illness, accident, holiday leave being revoked, or a natural disaster at home or at your intended destination
• Rental vehicle excess you have to pay if you have an accident driving a hire car
• Legal liability: the vast majority of policies researched include coverage for legal liability. Don’t take this as an excuse to break the law, though – you may end up invalidating your policy!

Domestic travel insurance usually doesn’t cover you for:

• Medical cover. However, this is not a big problem because, as long as you’re in New Zealand, you can still access publicly funded health services or your private health insurance , if you have it
• Certain “hazardous pursuits”. If you’re doing dangerous activities on your holiday, such as skiing, scuba diving, bungee jumping or rock climbing, you need to disclose it on your application. However, even if you disclose it, you still might not be covered for an accident that happens because of that activity, as it may be excluded from the policy. Ensure you read your policy terms and conditions carefully

2. International travel insurance

International travel insurance policies usually cover you for events such as:

• Medical or dental emergency. Typical emergency medical cover will include hospital admission, emergency care and medical evacuation to another country’s hospital. If your medical situation is not an emergency, it is recommend you contact your insurer before you receive treatment, to check if it’s covered by your policy
• Repatriation if you fall sick overseas and need to be evacuated back to NZ for treatment. Or if tragedy strikes, repatriation covers the cost of flying your body and belongings back home to NZ. Some travel insurance policies also include a separate sum for funeral expenses
• Lost or stolen luggage, passport or other items. Replacing luggage and travel documents is the most common claim for travel insurance
• Legal liability if you break a local law and need a lawyer and/or interpreter. Ignorance of local law is no excuse in most countries, so make sure you check SafeTravel before you depart. For example, in some Muslim countries it is an offence to wear a bikini on a public beach. If you break a law on purpose, your travel insurance policy may not cover your legal fees

International travel insurance usually doesn’t cover you for:

• High-risk countries. Check the government’s SafeTravel website for the travel advisory status of your destination. Countries flagged with a “Do Not Travel” advisory may not be covered under your policy
• Risky behavior. Any injury or loss caused by you behaving recklessly while you were under the influence of alcohol or drugs can be excluded from cover. This doesn’t apply to medication prescribed to you by a doctor and taken as prescribed
• Pre-existing medical conditions. If you have experienced symptoms of a condition before travelling, even if the condition wasn’t diagnosed, medical expenses for it will generally not be covered. Read your policy’s terms and conditions carefully
• High-value items. Many policies have a dollar limit that you can claim for each item, which may not be as much as it costs to replace the item
• Notification period. Your policy may specify that you need to notify your insurer of an accident or event within a specified timeframe, such as 24 hours. It’s important to be aware of that notification period and to call your insurer as soon as you can, in the event of a potential claim
• Loss of items left unattended. Keep an eye on your belongings at all times. You might not be covered if you leave your wallet and keys wrapped in a towel on the beach, or hidden in a shared room, or even in your checked-in luggage
• Hazardous pursuits. Dangerous activities such as scuba diving, bungee jumping, rock climbing, off-piste skiing and hang-gliding are usually excluded, but they can often be added to your policy for an extra fee. Also be aware that riding a moped or motorcycle overseas might also not be covered, even if you are legally entitled to ride one in NZ

NB: No travel insurance policy will cover you for every single thing that might go wrong while you’re away, so it’s important to read your policy’s terms and conditions carefully to discover the full extent of your cover.

Travel insurance glossary of terms

• Accident : An unexpected, unforeseeable, or unusual event that was unintended and caused loss or harm while you are on a trip covered by your policy.
• Accommodation : Any type of dwelling or lodging that you pay a fee to stay in overnight.
• Additional expenses : Additional expenses for accommodation and transportation that occur because of events such as illness, natural disasters, loss of travel documents, and transport union strikes.
• Beneficiary : The person who would receive compensation from your insurance policy if you were to pass away during your travels.
• Benefits: What your insurance provider gives you according to the terms of your policy. Benefits can apply if you make a claim or they can apply if a certain event happens, e.g. during an emergency.
• Cancellation or amendment costs : The cost of cancelling, changing, or rearranging your journey because of unforeseen circumstances outside your control such as illness, accidents and extreme weather events.
• Claim: A request for your insurance provider to pay certain expenses back to you in accordance with your policy.
• Cover or coverage : The extent of protection given to you by your policy. If you are covered for an event, it means that you can claim back from your insurance provider a specified amount of expenses you incurred during that event.
• Current market value : The amount of money you could get for an item if you sold it in the current local market. This amount is based on the original cost, the current condition and age of the item, and what it could be sold for in its present state.
• Damage: Harm or injury to a person or property, resulting in the property losing value or not being able to be used properly.
• Disability : A physical or mental condition that restricts a person’s movements, senses or activities. A disadvantage or handicap, especially one imposed or recognised by the law.
• Emergency medical care : Medical care that is needed in an unexpected emergency. This does not include any type of regular medical care or foreseeable medical needs.
• Endorsement: Any special condition listed on your insurance policy as an extra reason for you to buy the policy.
• Excess: The excess is an amount that you pay instead of the insurer, e.g. “the first” $250 or $500 of a claim. Insurers usually have either a policy with different excess options that you choose between, or separate policies that each have a different excess amount. You can pay a lower premium if you have a higher excess, but you need to be sure that you could afford to pay the excess unexpectedly if you had to make a claim.
• Exclusions : Anything that is not covered by your policy. Common exclusions include travel to high-risk countries, dangerous activities such as bungee jumping, risky behaviour, such as taking alcohol or drugs, pre-existing medical conditions, and loss of items left unattended.
• Home: Your usual place of residence in New Zealand.
• Incidental:  Costs associated with an unexpected covered event, which are not directly related to the event.
• Inclusions: Any event, item or expense that is covered by your policy.
• Injury: Anything that physically harms you and occurs by accidental or violent means, which is covered by your policy.
• Journey: One of the terms insurers use to talk about the period you’re covered for, from the time you leave home until the time you return to your home. Also known as your trip, voyage, or travels.
• Limit/benefit limit: Policies have a limit on the amount of benefits you can claim per year or per journey.
• Luggage and personal effects: Personal items that you own or carry with you on a trip that is covered. This includes but is not limited to: suitcase or backpack, clothing, jewellery, computer or laptop, your phone and other portable electrical devices or equipment.
• Medically necessary: Medical treatment that is needed to preserve your health, is suitable to treat your symptoms, and can be safely provided in your current location. This does not include treatment or procedures that are performed in your current location because it is merely convenient.
• Natural disaster: An event caused by nature and not by any human activity, including earthquakes, storms, bushfires and floods.
• Overseas medical expenses: Expenses incurred overseas for ambulance transport, hospital admission, surgical nursing, and emergency dental treatment.
• Period of cover: The time your travel is covered by your policy.
• Personal liability cover: Cover for costs incurred for which you are legally liable. You are legally liable if your negligence causes loss or damage to someone else’s property. Personal liability also covers you for injury to a person who is not a member of your family or travelling party. Personal liability cover does not cover damage you caused deliberately or that breaks the law; damage caused by your business or your employee; your ownership or use of a vehicle, aircraft or watercraft; or you passing on an illness to someone else.
• Policy:  The travel insurance contract you have taken out with an insurance provider.
• Pre-existing condition: A medical condition that existed in any form before you signed up for the insurance policy, whether or not you had your symptoms examined by a health practitioner. Your policy may usually list a time limit for the condition to be pre-existing, e.g. you have seen a medical practitioner in the past 90 days before you started your journey, or you have been prescribed a medication within the past 60 days.
• Premium: The amount you pay your insurance provider for your travel insurance cover. Your premium must be paid on time for your travel to be covered.
• Reasonable: When associated with an expense or cost, “reasonable” refers to what is usual, needed, and matches the standards of your previously scheduled travel.
• Refund: Cash or company credit that can be given to you as reimbursement for your expenses, according to the terms of your policy.
• Rental car insurance excess : The excess charged if your hire car is damaged or stolen.
• Resumption of journey benefit : The benefit you receive if you claim the expense of resuming your travels. You can make a claim if you had to return to New Zealand suddenly due to a serious injury, illness, or the death of one of your relatives or business partners in New Zealand.
• Sudden illness or serious injury : Illness or injury that occurs during your period of cover and requires immediate treatment by a health practitioner.
• Travel delay : Scheduled transport that is delayed by over six hours. Scheduled transport can include plane flights, trains, trams, buses, ferries or cruises.
• Unforeseen: Any circumstance that is out of your control. This can include illness, accident, cancelled flights, or natural disasters.

Which travel insurance providers are assessed by Canstar's ratings?

Products from the following travel insurance providers were rated in Canstar’s 2023 Travel Insurance Star Ratings and Awards:

• 1Cover Direct Insurance
• AA Insurance
• Air New Zealand
• American Express
• Chubb Insurance
• Cover-More Travel Insurance
• House of Travel
• Southern Cross Travel Insurance
• World Nomads

Recent Award Winners

View Canstar's Outstanding Value Travel Insurance Awards

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What's on this page

Emergencies, common queries, find an insurer.

Travel insurance is cover you purchase for international trips, whether they’re for business or holidays. Most travel insurance provides protection for

• cancellation and loss of deposit
• medical treatment costs
• costs for returning home in certain emergencies
• loss of luggage and personal items
• personal liability (except for deliberate acts or use of motor vehicles).

Travel insurance consumer guide

Download our handy consumer guide with all you need to know about travel insurance., domestic travel insurance.

Travel insurance is also available when you travel around New Zealand. While medical events will be covered by ACC in New Zealand, domestic travel insurance will cover you for things like lost luggage, rental vehicle excesses, cancellations or delays, and personal liability. Travellers should be aware that domestic travel insurance generally doesn’t cover as much as an international policy would so you should read the policy carefully before taking out cover.

For an independent view on domestic travel insurance, check out  Consumer NZ’s  article ‘Domestic travel insurance – do you need it?’

Credit card travel insurance

Travel insurance is a common extra when you take out a credit card from your bank, but there are some things to be aware of:

• some policies might need to be activated before you travel
• there might be a limit on how long the policy will cover you for
• you might have to book a certain amount of your travel expenses on the credit card before the travel insurance becomes available
• cover may not automatically be available for pre-existing conditions. You will likely need to contact the insurer to ask about coverage for any pre-existing conditions and you may have to pay an extra premium to have them covered.

Credit card travel insurance may not be as comprehensive as some other travel insurance policies, so it pays to read the policy carefully and think about whether you need to take out any additional cover.

Shop around

Remember that not all travel policies are created equal – just as the premium of some policies costs more than others, some policies have wider cover than others.

If you have a pre-existing condition, are planning to engage in a sport or adventure activity while you’re away, are a non-resident, are pregnant, or are over the age of 65, it’s important to contact a number of insurers before purchasing your insurance. One insurer may have a policy that suits your individual circumstances better than another.

Find out more about travel insurance to cover:

• staying in an Airbnb
• non-residents
• pre-existing conditions
• renting cars
• sports and adventure activities

Buy before you fly

You cannot get travel insurance if you’ve already left the country. You should buy travel insurance when you book and pay for your overseas trip. That way you’re not only covered for your trip, but also if something happens before you depart.

Read your policy wording

Make sure you read the policy wording so you understand what you are and aren’t covered for. If there is anything you don’t understand, ask your insurer for an explanation or more information.

Some common exclusions

Like any other insurance policy, a travel insurance policy is unlikely to cover you for absolutely everything that could go wrong. The following list sets out some of the common exclusions in travel policies, but make sure to check your individual policy’s exclusions as each insurer is different:

• war and terrorism
• pandemic, epidemic or infectious diseases
• financial failure of an airline, travel agent or tour operator
• elective medical or dental treatment
• travel in international waters
• being under the influence of alcohol or drugs.

Disinclination

Travel insurance policies don’t cover ’disinclination to travel’. This means that if, for example, you choose not to travel because you think your destination looks unsafe, but there hasn’t been a travel advisory issued, you will not be covered for the costs you’ve lost.

International students and seasonal workers

While the general rule is that New Zealand insurers don’t provide travel insurance for non-residents, there are some exceptions. If you are a seasonal worker travelling to New Zealand for work (for example, to pick apples during the harvesting season), or if you are an international student coming to New Zealand to study, then you will be able to purchase travel insurance from some New Zealand insurers.

You may need to contact a number of different insurers as not everyone offers inbound student or seasonal worker insurance.

Feeling adventurous?

If you’re planning on taking part in any sport or adventurous activities on your trip, talk to your insurer and read your policy wording to check whether you are covered. In particular, you should check whether you are covered for:

• skiing, snowboarding or doing other winter sports
• scuba diving
• bungy jumping
• hang gliding
• water skiing
• motorcycling or using a scooter (in certain countries)
• taking some other form of extreme risk which might put you in danger.

Driving overseas

Travel insurance policies provide limited cover for vehicles hired overseas. If you have an accident, the cover provided by your travel policy will usually only pay either the excess by the rental car company or the vehicle repair costs, if those costs are less than the excess. To ensure that you have enough cover, you should buy comprehensive motor insurance from the rental vehicle company in the country you hire the car in. If you then have an accident, you will have to pay the rental vehicle directly and claim costs from your insurer.

High-value items

You need to tell your insurer if you are going to take, or are planning to buy, high-value items on your trip. Many travel insurance policies contain sub-limits on the value of items you can claim for (including electronics and jewellery).

If you’re unsure, ask your insurer what value or coverage limits your policy may have.

Check for travel advisories

Sometimes there will already be events happening in the area you’re planning to travel to, when you take out your insurance policy. These are called ’known events’ and are unlikely to be covered by your policy. For example, if a volcano erupts in the country you are travelling to, it’s unlikely that delays or cancellations caused by the eruption would be covered. When you are taking out your insurance, check to see if there are any current advisories which might affect your cover. In New Zealand you can check the government advisory website  www.safetravel.govt.nz  and trusted media sources – if there are warnings in the media about the place you are travelling to, your insurer may not cover you.

This is another reason why you should take out your insurance cover at the same time as booking your travel. That way your insurer is on risk if an event happens and your travel plans are disrupted before you’ve even left.

Keep your receipts

If you need to pay for something while you’re travelling that you plan to make a claim for (like a lost phone or stolen camera that you had to replace while you were still overseas) make sure you keep your receipts to make the claim process as smooth as possible.

You can still make a claim even if you haven’t managed to keep hold of the receipts, but it’s likely that you’ll need to provide proof of ownership of the lost or stolen item to your insurer.

Travel insurers provide free 24-hour emergency assistance. Keep the details of their emergency assistance provider with you at all times while travelling.

In the event of an emergency, you may need to contact them for medical treatment or advice.

New Zealand’s Ministry of Foreign Affairs and Trade runs a website that has up to date travel advisories for all countries on key issues like security and health. 

Before you travel, you must tell your insurer if you intend to travel to any countries that have a ‘Do not travel’ travel advisory status – as it may not be possible to get insurance cover for travel to countries with this status.

Visit  www.safetravel.govt.nz  to check your intended destination and any countries you’re stopping in or passing through.

While you’re on the website, you can also check out their travel insurance guidance.

Some circumstances may make travel insurance more difficult to find or mean you need to fulfil additional requirements in order to receive cover.

Most travel insurance policies don’t provide liability cover for damage to property you’re staying at (e.g. an Airbnb or hotel) while travelling. Generally,  the Airbnb host will hold sufficient insurance to cover them should a paying guest damage their property, but there is a chance that the host or their insurer could ask you for payment if you were responsible for the damage. This would not be covered by your travel insurance policy.

Some insurers only provide cover for New Zealand residents, so if you are a non-resident, you may need to contact a number of insurers before you are able to get cover. 

It’s important to tell your insurer if you’re already pregnant when you book your travel insurance, or if you fall pregnant before you leave. Most insurers offer cover for the first few months of pregnancy as long as there have not been any complications. The length of time each insurer will provide automatic cover for varies so talk to your insurer to be certain you’ll be covered. An insurer may also require you to have a medical assessment before providing cover.

If you become pregnant after taking out a travel insurance policy, contact your insurer as soon as possible to ensure you’ll still be covered for your travel.

Pre-existing conditions are medical conditions you already have or have previously had at the time you’re buying your insurance. They include symptoms you’ve asked a doctor about, even if you didn’t receive a formal diagnosis.

Pre-existing conditions are excluded from most insurers’ basic packages. Some insurers have automatic cover for certain pre-existing conditions and others may allow you to buy additional cover for pre-existing conditions, although not all insurers will be able to provide this service.

If you have a pre-existing condition, you should check your chosen insurer’s list of automatically covered pre-existing conditions. If your condition is not listed, you will need to speak to the insurer to find out if you can get cover. They may require you to get a medical certificate before providing cover.

It’s important to remember to declare all pre-existing conditions when taking out travel insurance otherwise you may not be covered under all or part of your policy.

Most travel policies do not provide cover for damage caused to a rental vehicle hired overseas. Nor do they cover damage caused to people or property while in control of a rented or borrowed vehicle.

Some policies will provide rental vehicle excess (RVE) insurance but this will only provide cover for the excess on damage to the vehicle that the insured person has to pay — it does not provide any cover for the repairs themselves or any personal liability the insured person has if an accident damages property or injures someone. If a travel policy offers RVE, the cover may only apply to renting cars through a registered care hire company.

If you drive overseas, it’s important to get appropriate motor vehicle insurance and personal liability cover through either a vehicle rental company or through a local insurer (if you are borrowing a friend or relative’s vehicle).

The level and types of cover available for senior citizens varies by insurer and may be affected by the age(s) of the traveller(s). In some instances, you may be required to fill out some forms to give the insurer information about your medical history.

To ensure that you will be covered and to find a policy that best meets your needs, you should contact an insurer directly.

Some insurers have a list of sports and activities they will automatically provide cover for, however, there are also a number they won’t cover. If you are unsure whether your intended sport or activity will be covered, you should contact your insurer to check.

If you are planning on doing any sort of sport or adventure activity while you are travelling, make sure to let your insurer know when you take out cover.

ICNZ is unable to provide personal or professional advice. The list of travel insurance providers below is included for your information. Any queries about the specifics of policies or cover should be directed to the insurer.

Other travel insurance may be available through your bank or credit card provider, as well as by contacting an insurance broker. 

You can download the Ministry of Foreign Affairs and Trade’s travel insurance guide from their Safe Travel website.

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Travel Insurance

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Financial Strength Rating

The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia), ("Hollard"), has been given a financial strength rating of A (Strong) issued by Standard and Poor's. View the full details on the  Financial Strength Rating .

An overseas policyholder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.

Financial advice

The New Zealand Automobile Association provides general information about AA Travel Insurance products and services so that you can make a choice that best meets your needs. Information provided does not take into account your personal circumstances, needs or goals and is not intended to be financial advice. If you'd like to receive financial advice, you can get professional advice from a registered financial adviser.

More information

Contact us Policy Wording Make a claim Terms and conditions AA Traveller Member Benefits

*AA Members can receive a 10% discount on AA Travel Insurance. Simply provide each traveller’s valid AA Membership number on application. Discount applies to the premium for each AA Member on standard policy and any additional pre-existing medical cover, but doesn’t apply to additional cover for high value items.

^All new policies taken out between 7am 13 May and 11:59pm 30 June 2024 will automatically be in the draw to win 1 of 3 $15,000 NZD cash prizes. See the full T&Cs  here .

• Travel Insurance Benefits COVID-19 Benefits International Domestic Comprehensive Cover Annual Cover Business Travel Health Insurance Inbound Compare Travel Insurance
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• travel_explore Not sure? See region list.

Where are you going?

Select the area of travel in which you will spend most time. NOTE: If you are spending more than 20% of your trip time in the Americas or Antarctica, it is compulsory to select a destination in the Americas or select Antarctica for your policy.

Don’t currently know all the countries you’ll be visiting? You can select a region to obtain cover for all countries within that region. Important: Your policy will not provide cover for claims arising in countries that are subject to sanctions. Your safety is paramount, so please read and familiarise yourself with our “ World Events and Claim Advice ” and safetravel.govt.nz’s travel advice levels when undertaking worldwide travel – and before making any side trips to neighbouring countries – to ensure you have adequate cover.

Going on a cruise? Enter or select the country or region you will spend the most time in during your trip.

Want to come to New Zealand on our Inbound Plan? Select “New Zealand Inbound”.

When do you depart?

Enter the date you will leave your home to start your trip.

When do you return?

Enter the date you will arrive home based on NZST (considering any time differences/zones and travel times).

Duration of each trip?

Select the maximum trip duration that best suits your needs.

The maximum trip duration you select will apply to each separate trip you take during the 12-month period of your policy.

For cover to apply, you cannot take trips that exceed this maximum duration. If you make a claim related to a trip that exceeds this maximum duration, it may be declined.

The maximum trip duration you select will be shown on your Certificate of Insurance.

Age of each traveller?

Enter the age (as of today) of each adult and child to be included on the policy.

Inbound Travel Insurance

Travel insurance for visitors to New Zealand

Planning a trip “Down Under”? We can protect your trip with our Inbound Plan, which provides travel insurance for those who live overseas who are travelling to New Zealand.

When you’re a Cover-More inbound policyholder, you’re free to discover the wild beauty of New Zealand's natural landscapes and soak up the culture in one of our cities knowing you may have protection from unexpected accidents or mishaps.

Ready to buy? You can get a free quote online now.

Skip ahead to read:

What is inbound travel insurance?

Who can buy an inbound travel insurance plan, what does cover-more’s inbound travel insurance include.

• Can I add cover for extra activities to my inbound travel insurance policy?
• How do I buy an inbound travel insurance policy?

Do Cover-More inbound policies include cover for existing medical conditions?

Do cover-more inbound policies include rental vehicle insurance excess cover, can i buy cover-more’s inbound travel insurance for my working holiday in new zealand.

• Inbound travel insurance FAQs

In New Zealand, an inbound plan provides cover for non-New Zealand residents who plan to travel to New Zealand. Inbound travel insurance plans generally include similar benefits to international travel insurance policies, such as cover for medical and dental expenses, lost luggage and travel documents, accidental death, personal liability, and more.

Inbound travel insurance policies are available for purchase by non-New Zealand residents travelling to and within New Zealand. They are not suitable for New Zealand residents wanting to travel domestically .

As a Cover-More inbound policyholder, you can be protected from the moment you leave your home, during your trip within New Zealand, and up until you return home overseas.

Our Cover-More Inbound Plan is also suitable for non-New Zealand residents who are travelling to New Zealand and visiting other destinations along the way if most of their trip is spent within New Zealand. So, if you’re visiting New Zealand, Indonesia, or any other destination on your way to or from New Zealand, we may be able to cover your entire trip.

Our inbound travel insurance for tourists visiting New Zealand is available for travellers who are 69 years old or younger at the time of buying the policy.

Our travel insurance for non-New Zealand residents travelling to New Zealand is designed to help protect you – and your finances – should something go wrong.

As a Cover-More inbound policyholder, you’ll not only receive cover for all our best travel insurance benefits, but you’ll also have access to our 24/7 Emergency Assistance team, who can help you when you need it most.

The benefits and maximum benefit limits of our Inbound Plan are:

*Sub-limits apply. Please refer to the Policy Wording for full policy conditions.      ~Cover will not exceed 12 months from onset of the illness, condition, or injury.      ^ Cover chosen applies per policy.      ^^Conditions apply if you are aware of the pregnancy at the relevant time. For a single trip policy, relevant time means the time of issue of the policy and for an annual multi-trip policy for the first trip it means the time the policy was purchased. For any subsequent trips, the relevant time is the time the first payment was made towards that trip.    †Liability collectively for Loss of Income, Disability and Accidental Death is $45,000 on the Comprehensive+ Plan and $30,000 on the Comprehensive Plan.      •Item limit applies for any one item, set or pair of items including attached and unattached accessories. You may increase these item limits if you wish. See Policy Wording  for full details

For full details on the terms and conditions, sub-limits, and exclusions you should consider before you purchase an inbound policy, read the Policy Wording .

If you’re ready to buy a policy, you can get a free quote online .

Can I add cover for extra activities to my inbound travel insurance policy?

Yes, we have several options that allow you to vary your cover for your trip to New Zealand. This helps ensure you’re protected against covered scenarios related to the activities you’ll be participating in.

For an extra premium, you can include one or more of the below additional cover options to your policy during the quote process:

• Adventure Activities or Adventure+ Activities (for cover beyond those activities automatically covered)
• Motorcycle/Moped Riding+ Cover
• Snow Cover or Snow+ Cover

Please read the relevant sections in the Policy Wording for full details on what each of our options to vary your inbound cover do and don’t cover.

At Cover-More, we also offer you the option to choose the level of cancellation cover that best suits your trip, and if you’re travelling with valuable items, you can opt to increase your luggage limits Keep in mind an additional premium may apply.

Ready to protect your trip to New Zealand? Get a quote online .

How do I buy a Cover-More inbound travel insurance policy?

It only takes a few minutes to buy an inbound travel insurance policy from Cover-More if you’re a non-New Zealand resident. Before you buy, please ensure you’ve read the Policy Wording to check this product is suitable for you.

To get an inbound travel insurance quote, visit our website’s homepage and locate the quote box.

Under “ Where are you going? ”, enter your destination as “New Zealand Inbound ”, followed by the dates of your entire trip, the current ages of all travellers to be covered by the policy, and then select “No” where you’re asked if all travellers live in New Zealand before clicking “ Get Quote ”.

You will then be taken to the summary page, which allows you to adjust the levels of your cover for an additional premium, including the amount of excess you wish to pay should you make a claim, the level of cancellation coverage, and more.

You’ll then be asked to agree to the policy terms and conditions before paying the premium. Your Certificate of Insurance will then be emailed to you, along with the  Policy Wording for safekeeping.

Our Inbound Plan automatically covers a range of existing medical conditions (EMCs).

Visit our existing medical conditions page to find out what medical conditions we can automatically cover and the coverage criteria. Alternatively, you can refer to our Policy Wording for further information.

If your condition is not featured on this list or if your condition does not meet the criteria, there is no cover for any existing medical conditions.

New Zealand is a diverse country, and one of the best ways to experience its beauty is by road.

If you plan on hiring a rental vehicle during your trip to New Zealand, our Inbound Plan provides rental vehicle insurance excess cover of up to $10,000.

To find out what we do and don’t cover as part of our Inbound Plan’s rental vehicle insurance excess cover, please refer to the Policy Wording .

Prefer to explore New Zealand on a motorcycle or moped? Check out what oprions are available to you in the Policy Wording . 

Are you coming to New Zealand for a working holiday? Purchasing tourist insurance is an important part of preparing for a working holiday in New Zealand, as it can help protect your health and finances should something go wrong while you’re living and travelling abroad.

Our Cover-More inbound travel insurance policy can help protect your working holiday for up to 365 days and includes cover for medical expenses, lost luggage or travel documents, and more. Limits, exclusions, and conditions apply so be sure to read the Policy Wording before purchasing.

Still got questions about inbound travel insurance for visitors to New Zealand?

Good news: we’ve answered our customers’ FAQs about inbound travel insurance here .

If you’ve got a question you’d rather speak to our team about, you can call them during New Zealand business hours on +64 (0) 9 308 2120 (from overseas) or (0800) 500 225 (in New Zealand). Alternatively, please send us an email at enquiries@ covermore .co.nz

Want us to protect your travels to New Zealand?

Check out our inbound travel insurance plan today.

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TRAVEL ALERT: View the latest travel information that may affect your trip. See travel alerts

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medical cover

Zoom provides unlimited medical cover for your overseas hospital expenses including sudden injury or illness. 

luggage cover

Zoom's baggage cover offers a wide range of options to suit all types of travellers and budgets. 

car hire excess

If you intend on hiring a car on your holiday then our rental vehicle excess add-on may be appropriate for your needs.  

travel delays

Non-resident travel insurance covers your additional travel expenses should you experience a travel delay. 

pR ice savings

Our prices are lower than some of our competitors. We'll also match any quote for equal cover with our price match guarantee. 

24/7 assistance

We provide you with access to our support staff in an emergency. Our expert emergency assistance is available 24 hours a day, 7 days a week. 

easy claims

We’ve kept our claims process simple and guarantee to assess fully documented claims within 10 business days.  

Peace Of Mind

Our travel insurance plans are underwritten by HDI Global Specialty SE – New Zealand.  A global company who provides a broad range of insurance solutions in more than 175 countries. 

NON-RESIDENT COVER  FAQ'S

What types of non-residents does zoom cover.

Whether you're living in New Zealand on a skilled migrant visa, work visa, student visa, partner visa...we don't mind.  As long as you are temporarily travelling overseas and at the date your certificate of insurance is issued you are: -aged 74 years and under; and -hold a return ticket to New Zealand; and -have a home in New Zealand to which you intend to return; and -hold a valid visa or permit which provides access to all publicly funded health and disability service in New Zealand or have access to long-term medical care in New Zealand that is valid for the entire journey and beyond the end date of your policy. *Please note we do not cover those in New Zealand on holiday, who are on a tourist visa who are travelling temporarily overseas.

Does Zoom cover people in New Zealand on tourist visas?

No, Zoom only covers permanent resident visa holders, travelling overseas temporarily, who are: -aged 74 years and under; and -hold a return ticket to New Zealand; and -have a home in New Zealand to which you intend to return; and -hold a valid visa or permit which provides access to all publicly funded health and disability service in New Zealand or have access to long-term medical care in New Zealand that is valid for the entire journey and beyond the end date of your policy.

Does Zoom cover those travelling on skilled migrant visas?

Yes, as long as you are only temporarily travelling overseas and at the date your certificate of insurance is issued you are: -aged 74 years and under; and -hold a return ticket to New Zealand; and -have a home in New Zealand to which you intend to return; and -hold a valid visa or permit which provides access to all publicly funded health and disability service in New Zealand or have access to long-term medical care in New Zealand that is valid for the entire journey and beyond the end date of your policy.

Does Zoom cover non-residents for travel around New Zealand?

No, Zoom only covers permanent resident visa holders for overseas travel, not for domestic travel around New Zealand.

Does Zoom cover non-residents without private health cover?

Yes, assuming you meet all other necesary requirements above, and providing that you hold a valid visa or permit which provides access to all publicly funded health and disability service in New Zealand.

Does Zoom cover inbound non-residents visiting New Zealand?

No, Zoom doesn’t cover non-residents from overseas who are visiting New Zealand. We only cover travellers who are temporarily living in Australia.

Are there age limits to non-resident travel insurance?

Yes, we cannot cover any non-residents over the age of 74 years.

How do I prove I have travel insurance for my required destination visa?

You may be required to prove you have adequate travel insurance before you can obtain a visa for your chosen destination. A copy of your Zoom Certificate of Insurance combined with the Table of Benefits shown in our     policy document   can be used for this.

Am I covered for adventure activities on my holiday?

We automatically cover a wide range of adventure sports including diving, bunjee jumping and horse riding and more. You can also buy our Adventure Pack to cover additional adventure sports. See a full list of adventure activties covered under our Zoom policies.

Am I covered for cruises automatically?

No, not automatically. You must purchase our cruise pack in order to be covered for any medical treatment you receive on board and for helicopter evacuation should you require emergency medical assistance.

I have high value items; how much can I insure them for?

If you have an expensive item that you just can’t leave behind, you can insure it separately for up to $5,000. Please note that High Value Item cover is only available under our Comprehensive and Frequent Traveller plans.

Can I reduce my excess with Zoom products?

Yes you can reduce the standard excess of $200 by paying an excess reduction fee within the payment process.  You can reduce the excess to $100.

COMPARE ZOOM TRAVEL INSURANCE PLANS

Each Zoom plan has different policy benefits. You can minimise your costs with Medical Only cover, or choose to buy  Comprehensive Travel Insurance for extra protection to cover things like travel delays and cancellation. Compare Zoom's Travel Insurance plans  online today.

Like all travel insurance plans, they don't cover everything. Just the unexpected. You should read your  policy document (PDS) carefully to ensure you select the cover that is best for you. You can add optional cover for extras such as Rental Vehicle Excess if you are hiring a car, Sports Activities Pack if you’re feeling adventurous and Snow Cover if you are hitting the slopes.  These can be added during the quote process.  

Zoom travel insurance offers simple, flexible travel insurance for maximum peace of mind no matter where you're zooming to.

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Life's A Trip

Trip Details.

Type to select country destinations

Type the countries you are travelling to or select from popular destinations below.

• Cook Islands
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• New Zealand
• Philippines
• South America
• Netherlands
• Switzerland
• United Kingdom
• South Africa
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• Cruising New Zealand

Please Note: You do not need to include stopovers less than 48 hours, except for USA and Canada.

• Depart Return

Are all travellers under 19 your children or grandchildren?

Dependants are defined by TINZ as your children or grandchildren, not in full time employment, who are under the age of 19 and travelling with you for 100% of the journey. Before proceeding, please confirm that all travellers under 19 are dependants of the adult travellers. If the child is not classified under the above terms then please treat them as an adult traveller within this policy.

The Already Overseas plan is appropriate for New Zealand residents who are already overseas and need travel insurance cover because they have either forgotten to purchase before they left New Zealand or, their existing travel insurance policy has expired.

Please read our conditions of purchase carefully. We can only provide cover provided that you satisfy the following conditions at the time of purchase:

• You are aged 64 or under; and
• You have a permanent residential address in New Zealand and will be returning to resume residence in New Zealand at the end of your journey; and
• You intend to return to New Zealand on the date your policy ends; and
• You purchase your policy within 30 days from either the date you departed New Zealand; or the expiry of any other travel insurance policy; and
• Your period of overseas travel does not exceed 18 consecutive months in total from the date you originally departed New Zealand;

Please note:

• For this plan “journey” means the time from when the policy is issued while you are overseas and ends when you arrive at any immigration counter in New Zealand.
• Journeys can be up to a maximum of 90 days.
• Purchasing an Already Overseas policy is limited to one journey every 12 months.
• There is no cover provided for the first 72 hours from the start date of your certificate of insurance.

Age limit exceeded.

We are sorry.

We are unable to provide cover for this trip. Travellers aged over 80 years and over can only purchase travel insurance for a maximum duration of 6 months.

Please visit our partner website www.comparetravelinsurance.co.nz to purchase travel insurance for this trip.

Single Trip | Annual Multi-Trip

Travel alerts: important travel information for your trip. <more info>, travel alert: important travel information for bali. <more info>, travel alert: important travel information for hawaii. <more info>, permanent resident travel insurance.

Not a Kiwi citizen, that’s ok. At TINZ, we don’t mind what country of residence you’re from, as long as you’re a permanent resident of New Zealand. You can purchase TINZ’s Comprehensive policy allowing you to travel overseas temporarily, as long as you have access to publicly funded health care in New Zealand and have a permanent resident visa that allows you unrestricted access to travel in and out of New Zealand.

MEDICAL COVER

Cover for injury or illness including hospital stays, surgery, dental, prescription drugs, doctor and dentist office visits on your trip.

CANCELLATION COVER

Don’t lose out if you have to cancel your trip. Our cover includes unlimited costs if you can no longer travel or have to return home early.

TRAVEL DELAYS

Airport delays are a common frustration when travelling. Our high level travel insurance provides you with compensation if you’re delayed for more than six hours.

TERRORISM COVER

 If you’re caught up in an act of terror, we’ll pay for your flight home, cover medical costs and in some cases provide you with reimbursement for trip cancellation.

RIDING A MOTORBIKE OR SCOOTER

You’re covered on two wheels, so long as you’re wearing a helmet and the driver holds a valid licence recognised in the country you are travelling.

GADGET COVER

No doubt you’ll be taking a few gadgets away with you. Our comprehensive plans provide top levels of cover for phones, iPads, cameras and laptops.

LUGGAGE  COVER

Rest assured with top notch cover your luggage is covered in the event of loss or theft, whether you’re near or far from home. Phew!

CRUISE COVER

We’re on board with you and don’t charge any extra if you’re heading on a cruise. With TINZ, you’re covered from ship to shore.

TRAVEL INSURANCE OPTIONS

Get comprehensive cover for the things you love. Whether you’re a skier, adrenalin junkie, gadget freak or a high-end holiday maker, TINZ has the cover you’re after.

DOMESTIC TRAVEL

There are always risks when you travel, even in your home country. Protect your New Zealand holiday with comprehensive domestic travel insurance.  You get cover for rental car excess, luggage, personal effects, lost deposits and more.

SKI INSURANCE

ADVENTURE ACTIVITIES

GROUP BOOKINGS

Are you travelling with a group of friends, school or club? TINZ offers special rates that can save you significant time and money!

SPECIFIC ITEMS

PRE-EXISTING MEDICAL CONDITIONS

Don’t let a pre-existing medical condition get in the way of your travels.  We cover 35 existing medical conditions automatically for free. You can also apply to cover additional conditions by assessment.

NOT A NEW ZEALAND CITIZEN?

At TINZ we believe that permanent visa holders of New Zealand have just as much a right to travel safely and securely, regardless of their country of origin. As long as you meet our required criteria, we’re happy to offer you cover for your trip.  We cover, permanent resident visa holders of New Zealand provided you: - Have access to publicly funded health care in New Zealand - Have a visa that allows you unrestricted access to travel in and out of New Zealand

GET A QUOTE

TRAVEL INSURANCE FAQ's

Q. am i eligible for cover.

Permanent Residents of New Zealand can purchase TINZ’s Comprehensive policy allowing you to travel overseas temporarily, as long as you have access to publicly funded health care in New Zealand, and have a permanent resident visa that allows you unrestricted access to travel in and out of New Zealand.

Q. Can i buy a policy if i do not have access to  publicly funded health care in New Zealand?

No, you cannot buy a policy if you do not have access to publicly funded health care in New Zealand.

Q. Can I buy a policy if i am a defacto on my partner's permanent resident visa?

Yes, if you are eligible for the same rights as your partner who is a permanent resident you can buy a TINZ comprehensive policy. As long as you are travelling overseas temporarily, have access to publicly funded health care in New Zealand and have a permanent resident visa that allows you unrestricted access to travel in and out of New Zealand.

Q. is there a separate non resident policy?

No, non resident visa holders of New Zealand, other than permanent residents do not qualify for TINZ's cover.

Q. does TINZ offer inbound non resident policies?

No, TINZ doesn’t cover non residents who are visiting New Zealand from overseas.

Q. Does TINZ cover non residents for domestic trips around new zealand?

No TINZ's policies only cover permanent resident visa holders who are travelling overseas from New Zealand temporarily. 

Q.  I am on a working holiday visa, can i buy TINZ's cover?

No, if you are on a temporary visa valid for less than two years, such as a working holiday visa or student visa for example, we are unable to offer you cover.  However, we’ve done the hard yards for you and found a range of insurers that are willing to. High-fives! Whether your holiday is domestic or international, there are options for you... 1Cover's Visitors to New Zealand offers cover for non residents of New Zealand travelling to, and within New Zealand on a temporary basis. This policy does not cover your return trip to your Country of Residence. QBE's Discover NZ policy provides travel insurance to non residents travelling within New Zealand who are under 60 years old. Duinsure have two policies: Plan F: Non Residents (Out Bound) which covers non residents on a one-way trip back to their home country, and Plan G: Residents (In Bound) will cover Kiwi residents who are currently overseas but are travelling back to New Zealand. SCTI’s Visiting New Zealand policy is open to travellers who are visiting, on a working holiday or living in New Zealand on a working visa. Covermore’s plan I offers cover to non residents for travel only within New Zealand. Webjet’s plan E provides non residents with trip cancellation and luggage protection cover. Zoom Travel Insurance covers skilled migrant visa holders, those on partner/defacto visas, students or those here on working holiday visas.  As long as you are temporarily travelling overseas and at the date your certificate of insurance is issued you are: aged 74 years and under; and hold a return ticket to New Zealand; and have a home in New Zealand to which you intend to return; and hold a current New Zealand visa which will remain valid beyond the period of your journey; and have private health insurance for the entire journey and beyond.

Q. Are there other conditions of cover?

Persons of any age can buy a policy, however trip limits do apply. Those under 69 years can purchase a policy for a maximum trip duration of 18 months only. Those over 70 can purchase a policy for a maximum trip duration of 6 months only. Our frequent traveller policy is only available to travellers aged 64 and under. 

Q. Are all adventure activities covered by comprehensive travel insurance?

Take note, you may not be covered for certain sports and activities automatically if you don't opt for the 'sports & activities’ add-on. Learn more about our adventure activities cover here.

Q. Does TINZ's insurance cover my medical conditions?

TINZ automatically covers 35 pre-existing medical conditions at no cost. This includes conditions such as acne, asthma, cataracts, diabetes and osteoporosis. Click here to see a full list of conditions that are automatically covered. 

At TINZ we believe that permanent residents of New Zealand have just as much a right to travel safely and securely, regardless of their country of origin. As long as you meet our required criteria above, we’re happy to offer you cover for your trip.

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Non Resident Travel Insurance

Are you a non-resident living in New Zealand planning a trip overseas? If that's you and you're on a temporary visa, you can still get travel insurance for your overseas holiday, it just might be a little tricker to find!

Where Can I Buy Travel Insurance For Non-Residents?

We’ve done the hard yards for you and found out which insurers provide cover for temporary residents. Compare non-resident travel insurance policies here: ** Click the ticks and crosses for more details on each.**

General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.

What Are The Requirements For Non-Resident Travel Insurance?

• Have a trip booked that starts and ends in New Zealand
• Be on a valid visa such as a Skilled Working Visa, student visa, partner visa, but not a tourist visa
• Have access to publicly funded health care

Reciprocal Health Agreements

You never know you might be eligible for health care in New Zealand already. New Zealand has reciprocal health agreements with Australia and the United Kingdom. For more information you should visit:  http://www.health.govt.nz/new-zealand-health-system/eligibility-publicly-funded-health-services/reciprocal-health-agreements  

What’s Typically Included?

The four main things to ensure you've got covered are:

• Medical cover:  Medical expenses for injury or illness including hospital stays, surgery, dental, prescription drugs, doctor and dentist office visits   
• Luggage and personal items:  Loss, theft or damage to luggage and personal items  
• Personal liability:  Cover in the event that you are found to be legally liable for accidental injury or damage you may have caused to another person or their property  
• Cancellation fees and lost deposits:  The cost of rearranging or cancelling your journey because of unforeseen circumstances such as illness, accidents and extreme weather conditions  

Whether you're here in New Zealand for a quick visit, or a four year work visa, non resident travel insurance is a vital part of every trip.

Not being a Kiwi shouldn't stop you from going overseas and seeing the world. There are plenty of options out there for you, you'll just have to look a bit harder. Get cover today to ensure a smooth-sailing, stress free holiday!  

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VISITORS TRAVEL INSURANCE

Are you visiting New Zealand from overseas? Or need to arrange travel insurance for friends or family visiting you? Get travel insurance for visitors to NZ today!

ONE WAY TRAVEL INSURANCE

Heading on an adventure with no return date? Get one way travel insurance for your trip. Find out who you can buy it from right here.

DOMESTIC TRAVEL INSURANCE

Many people forget to buy travel insurance when they travel around Australia, but being covered domestically is just as important as being covered overseas.

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Our comparison is a free service that makes it easy for users to compare multiple quotes, saving both time and money. Our comparison ranks quotes according to price and is limited to those insurers that have agreed to participate on the site. CoverDirect NZ Limited does not hold a financial services licence. The comparison does not take your personal circumstances into account; as such, all information provided should be considered general and should not be considered as advice or a recommendation. Whilst we take all reasonable care when preparing this information, we do not warrant its accuracy. Pricing information is supplied by the insurance providers and ALL policy details should be verified with the before you purchase. This site links users to the website of the insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase. We do not issue insurance. Users purchase directly from the travel insurance provider.

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Worldwide travel insurance

Planning a big trip.

If you’re planning a big trip, a few trips in one year, or you haven’t completely decided on all the destinations you want to visit, our Worldwide cover might be the right option for you. With Worldwide cover you can be as spontaneous as you like and ensure you still have great travel insurance.

Keep your itinerary open

Maybe you’re heading to the UK  or USA but don’t know where you’ll end up going to next. Or perhaps you’ve got an extended holiday in mind, or even a year-long round the world tour planned. The easiest way to make sure all of your possible destinations are listed on your travel insurance policy, is to select ‘worldwide’ as your destination. So wherever you end up globetrotting - you can relax in the knowledge that we’ve got you covered, should something unexpected happen. We know travel insurance isn’t the most exciting thing about booking your holiday but it’s important to protect yourself and your family, in case the unexpected does happen.

Worldwide emergency assistance

Whether it’s urgent medical assistance or you’ve been stranded overseas, being able to talk to someone that understands whatever predicament you’re in, can be reassuring in times of need. Included in your policy, you’ll get access to our worldwide emergency assistance team 24 hours a day, 7 days a week.

Get covered now

Organising travel insurance when you book your trip is the best plan - that way you’re covered for unexpected events that might prevent you from travelling, as well as all the great cover you get whilst overseas.

Instant quotes for a great price

Complete the basic details of your trip, and get an instant quote now. Find out how much money you can save with travel insurance direct to you.

What you need to know

This page includes some information about our products but, as with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant policy documents to ensure our travel insurance products are right for you.

You can find the relevant documents for all our policies here:  International Comprehensive , Annual Multi-trip ,  International Medical Only ,  Domestic ,  Working Overseas ,  Visiting New Zealand ,  International Student  

We're here to help

We know how important it is to be able to talk to someone when you need help, that’s why we are available via email, phone and live chat Monday to Friday, 8.30am - 7pm, and Saturday, 9am to 6pm, excluding public holidays. And if you find yourself in a medical emergency our Emergency Assistance team are available 24/7 to help, wherever you are in the world.

Get in touch with the team and we'll be happy to help.

Call us Monday to Friday, 8.30am - 7.00pm.

You can reach our team on: +64 9 979 6593

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