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Compare Travel Insurance Travel Insurance Tips Travel Insurance for New Zealand

Travel insurance for New Zealand

05 July, 2015 By Natalie Smith

Kia Ora! Welcome to New Zealand, a country famous for its stunning, virtually untouched landscapes! With its natural beauty, diverse culture and supercharged adventure hot spots, it’s no wonder New Zealand is by far and large the No.1 destination for outbound Aussies!

Are you keen for a Kiwi getaway? Bet you can’t wait to explore the craggy coastlines of South Island or sip lattes in the hip capital of Wellington. Perhaps you’re hanging out for a heart-stopping bungy jump in Queenstown or a glacial adventure on the West Coast? Whether you’re an active adventurer, a wildlife enthusiast or a wine ‘n dine type traveller there’s something for just about every type of tourist in New Zealand!

Travel often means stepping out of your comfort zone, even in a country as neighbourly as New Zealand. And with new experiences comes the possibility of new, foreign problems.

Even when you’re just a few hours flight away from home a lot can go wrong. Flight delays, missed connections and lost luggage can muck up your trip faster than a slippery black run!

Don’t let bad luck sour your experience - make sure you pack travel insurance along for the ride.

Compare travel insurance for New Zealand

Whether you're a budget conscious backpacker, a time poor parent booking a family getaway, or a senior seeking safe, reliable options, it pays to compare policies to find the right cover for your New Zealand trip.

A travel insurance policy will cover you for unexpected accident or illness, lost luggage or theft, unforeseen trip cancellation and much more.

When comparing policies, it's important to consider benefits, as well as costs.

How much does travel insurance for New Zealand cost?

The cost of travel insurance can vary enormously no matter where you go! Say you’re 30 (ish) years old and you’re going to New Zealand for a two-week holiday. Depending on your preferred level of cover, you can expect to pay anything from $28 to $256. To give you an idea, we’ve outlined the costs of several policies below;

Basic policies approx. $28 – $44. If you’re looking for real low cost cover Tick’s Joey Cover ($28) is the cheapest basic policy on our site. This policy includes unlimited medical and $1 million personal liability only. The excess you must pay towards a claim is $250.

Mid-level policies approx $45 – $53. Fast Cover’s standard policy offers decent cover at just $47. This includes unlimited medical, unlimited cancellation, $5 million personal liability, $5,000 luggage, $15,000 accidental death, $2,500 hospital cash, $15,000 personal disability, $2,000 for travel documents and $30,000 travel expenses. The excess is $200.

Comprehensive policies approx. $53 – $256. 1Cover’s comprehensive policy at $59 offers generous cover with a low excess of $100. Their policy includes unlimited medical, unlimited cancellation, $5 million personal liability, $15,000 luggage, $25,000 accidental death, $5,000 hospital cash, $25,000 permanent disability, $5,000 for travel documents and $50,000 travel expenses.

*All prices accurate at time of writing July 2015.

Does New Zealand have reciprocal healthcare with Australia?

Lucky for us Aussies, New Zealand and Australia share reciprocal healthcare agreements. That means you have access to government medical facilities and care. Travellers to New Zealand who are injured in an accident are also covered for hospital treatment by the Accident Compensation Corporation (ACC). Take note that these agreements do not provide ongoing treatment of existing health conditions and charges may still apply for visits to GPs and specialists, prescription medications and diagnostic tests.

What will my policy cover?
nz policy cover

If your ultimate New Zealand trip takes a downward turn for any of the following reasons, comprehensive travel insurance will keep you in ship shape.

• Medical: As an adventure sports hub, New Zealand sees its fair share of nasty injuries, (particularly as a result of skiing accidents). Whilst you may be eligible for reciprocal health care in New Zealand, this would not cover any additional accommodation costs, flights for family members or medical repatriation to Australia. Travel insurance can help to cover these costs should the worst-case scenario occur.

• Cancellation fees and lost deposits: Travel insurance will cover unforeseen cancellations for events such as natural disasters, as well as accidents, hijackings, severe sickness or injury. With New Zealand situated on several fault line and prone to 100-150 felt earthquakes each year (including the Christchurch earthquake of 2011 that killed 185 people), the risk of an earthquake affecting your trip is not inconceivable. Travel insurance will cover the costs of medical attention as well as the reasonable additional expenses caused by the rescheduling of travel plans.

• Luggage and personal effects:  Has a lone sheep just chewed up your camera? Your travel insurance policy will reimburse you for lost, stolen or damaged luggage. Comprehensive cover also includes cover for theft of cash and travel documents too.

• Travel delays: If your flight is delayed or you have to cancel your trip you may get reimbursed by your travel insurance provider. Generally your flight has to be delayed by over 24 hours for you to receive travel delay reimbursement. Although it is airline's responsibility to get you on the next flight if the delay is through a fault of their own, your travel insurance will reimburse you for any expenses you incur during your delay. Conditions apply.

• Personal liability:  If you injure someone or are held accountable for damaged property in New Zealand (like crashing your hire car into a parked car for example) the consequences would be less than stellar. In such an event, your policy will cover your liability costs to a degree.

 Additional extras: Each policy varies but look out for top notch extras such as cover for  rental vehicle excess, permanent disability, loss of income, cover for kennels and catteries (if you’re delayed home to your fluffy friends) and more.

What will my policy not cover?

Unattended items: Staying in a hostel, or travelling in a group? Keep a keen eye on your belongings as leaving your stuff unsupervised will not be covered for. That also means not leaving your stuff with your brand new chums!

•  Being intoxicated: Celebrating your first bungy with a few or warming up fireside after a day on the slopes? Keep in mind that all claims related directly to alcohol and drugs will not be paid.

Terrorism and travel warnings: While the chances of getting caught up in riots or an act of terrorism in New Zealand are small, it’s still a good idea to keep up to date with travel advisories on government issued websites (these will advise against any earthquakes or aftershocks as well) Generally travelling against DO NOT TRAVEL warnings from the Australian Government will jeopardize your cover. For updates on New Zealand head to

•  High risk activities: As the birthplace of bungy-jumping, New Zealand certainly lives up to its namesake. From white water rafting in Whataroa, abseiling in Auckland to canoeing in the Cathedral Cove, there’s plenty of choice for adrenaline junkies seeking a fix. But watch out, as participating in particularly risky activities such as climbing (where ropes are needed), or open water sailing may not be covered by your policy.  Be sure to scan your policy’s small print to check out which of your preferred heart pounding activities are covered!

•  Pre-existing conditions: Medical conditions that exist before you travel are generally not covered, but it pays to check. You can sometimes pay a bit extra to get some conditions covered. Check your policy wording to see what conditions are covered automatically, and which ones require a medical assessment first.

•  Unreported items: You need to report theft or loss to the relevant authority ASAP (and your travel insurance provider) within 24 hours.

How to save on travel insurance for New Zealand
save nz travel insurance

• Choose your destination wisely: You might be able to save yourself a few quid by finding an insurer that classes New Zealand in its own price bracket, rather than grouped within the Pacific.

•  Consider how often you travel: If you travel a few times per year, you could save by purchasing an annual multi-trip policy rather than purchasing a policy each time you take off.

• Combine policies: If travelling with your family or a companion, a joint policy is often cheaper than purchasing separately.

• Increase your excess:  Most insurers allow you to lower your premium by opting to pay higher excess in the instance that you need to make a claim.

• Shop around: You'll be amazed at how much travel insurance quotes can vary. Offers by travel agents or airlines usually have commissions added on. In fact, you can save up to 50% by shopping around, so it pays to buy your travel insurance direct. Doing your comparison online will allow you to compare loads of travel insurance quotes in seconds. Yippee!

Safety speed dial

Found yourself in a spot of bother? The following emergency contacts should come in handy.

Australian High Commission
72-76 Hobson Street
Wellington, New Zealand
Telephone: (64-4) 473 6411
Australian Consulate-General 
Level 7, Price Waterhouse Coopers Tower
186-194 Quay Street
Auckland City, New Zealand
Telephone: (649) 921 8800
i-SITE New Zealand Visitor Information Network
22/157 Lambton Quay
Wellington, New Zealand
Telephone: (64-4) 462 8000
i-SITE Queenstown Visitor Information Network
22 Shotover St
Queenstown, New Zealand
Telephone: (64-3) 442 4100

8 fast facts about New Zealand

•  Country calling code: +64
•  Capital: Wellington
•  Currency: NZD (New Zealand Dollars)
•  Language: New Zealand’s main language is English but Maori is spoken as well. Amazingly, In April 2006, New Zealand became the first country to declare sign language as an official language, alongside Maori and English.
•  Nature: From jaw-dropping glaciers to soaring mountains and crystal clear fiords – New Zealand has no end of gorgeous landscapes. And don’t think you can get around to see all of it; even born and bred Kiwis have yet to see or do it all either.
Wildlife: Wildlife fanatics can’t pass up a trip to NZ; it’s literally inundated with feathers, fur and fins. In fact, only 5% of New Zealand’s population is human- the rest are animals.
•  Food & drink: Famous for its fresh and plentiful produce, there's no shortage of great tucker in NZ! New Zealand’s restaurant scene has also come a long way in recent years, with a focus on classic Pacific and Asian flavours and ingredients. For an iconic Kiwi experience you can’t go past a greasy, newspaper wrapped fish-and-chips or classic meat pie. Burger addicts can’t miss Queenstown’s Fergburger after a day on the slopes.
•  Also known as: “Aotearoa” is the Maori name for New Zealand and translates to "land of the long white cloud.”
•  Tongue twister: New Zealand is home to the world’s longest place name. Get ready for it; this one’s a mouthful! Taumatawhakatangihangakoauauotamateapokaiwhenuakitanatahu, is situated in Hawkes Bay. It roughly translates to: “The summit where Tamatea, the man with the big knees, the climber of mountains, the land-swallower who travelled about, played his nose flute to his loved one”. Phew!

Ready to find your perfect New Zealand travel insurance policy?

Stuff going wrong on holiday shouldn’t be your foremost concern. After all you’ve got slopes to ski and mountains to scale. But no matter how big your appetite for adventure, without safeguarding your travels, your entire trip could go belly up!

Compare NZ travel insurance policies to save time, worry and loads of money. You’ll be on your way to a fun, worry-free holiday quicker than you can say “Kia Ora”!

Heading elsewhere?

Whether you're going large in London, or traveling domestically around Australia - make sure you compare quotes no matter your trip type!

Contributor Natalie Smith

Natalie Smith

Having travelled to over 40 countries, studied tourism management and worked as a flight attendant for over three years, Natalie knows more than a thing or two about travel! She’s an adventure-lover, whose favourite trips have been trekking Machu Picchu and volunteering in an animal shelter in the Amazon. Qualified in Tier 2 General Insurance General Advice and specialising in travel insurance for the last five years, she in passionate about helping travellers get the most out of their holiday.

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