It can cover medical expenses caused by injuries and accidents, unless it's from an excluded activity.
It can pay for transport to hospital by helicopter or ambulance, as well as medical evacuations back to Australia.
If you're renting a car in New Zealand, make sure you have car rental excess cover.
Travelling in a foreign country may put your valuables at risk and travel insurance can cover you for lost or stolen items.
New Zealand is home to active volcanoes. Travel insurance can cover travel disruptions caused by natural disasters.
Terrorism is a risk in New Zealand. A few insurers provide cover for medical and hospital expenses caused by an act of terrorism, including the cost of bringing you back home.
Looking for the best travel insurance for New Zealand? Check out our award winners in 2024
Most Loved
RAC Travel Insurance came out on top among 20 brands with a score of 4.48/5. Out of all brands, RAC was one of the most trusted, with 97% of people surveyed considering the insurer trustworthy and reliable.
Top Value
Tick Travel Insurance came in first place for value for money this year. It topped the list with score of 4.49/5.
Most Trusted
RAC Travel Insurance topped the list as the most trusted brand in 2024. It gained a score of 4.76/5, with 97% of customers we surveyed found the insurer to reliable.
Legendary Service
RAC Travel Insurance is this year's winner for customer service, scoring 4.49/5 to lead all brands.
Best Travel Insurance - Domestic
Tick Travel insurance won the 2024 award for best domestic travel insurance because it scored highly for rearrangement and cancellation costs, lost and delayed luggage features and rental car excess, while remaining comparatively affordable.
Best Travel Insurance - Value
Wise and Silent Travel insurance won the 2024 value award because it's cheaper on average than the other international policies we analysed, yet it covers you for more.
Best Travel Insurance - Comprehensive
Tick Travel insurance won the 2024 comprehensive award because it goes further than the majority of insurers. It scored highly for cancellation costs and rental car excess. It's also competitive on price compared to the other 30 international policies we analysed.
Every travel insurance policy has things you won't be covered for. Common exclusions include:
If you purchase cover after the incident has occurred. For example, if you take cover out after you've been injured and need medical attention.
Pre-existing medical conditions. If you have any major medical conditions, make sure you let your insurer know before taking out a policy. Otherwise you won't be covered for claims related to that condition.
You travel despite government travel advice. For example, if you travel to areas that have a warning from Smartraveller, travel insurance may not cover you.
Incidents that occur while you're under the influence of drugs or alcohol. For example, if you go out drinking in Auckland, get injured and need medical attention, travel insurance won't cover you.
Driving vehicles without a licence. Like Australia, you won't be covered for medical costs or personal liability expenses if you drive without a licence in New Zealand.
What add-ons should I look for?
If you're getting adventurous, a lot of policies will offer adventure packs which can cover you for loads of activities like horse riding, hiking and zip lining.
New Zealand is a popular destination for snow sports. Whether you're skiing, snowboarding or cross country skiing, you'll often need to add extra cover to your policy.
If roadtripping is your thing, including car rental excess cover in your travel insurance is a sure way to save money. Some policies even automatically include it.
Did you know?
Natural disasters such as bushfires, earthquakes and tsunamis can occur in New Zealand.
Will I be covered for COVID-19?
Travel insurance can cover you for COVID-19 in New Zealand. A policy can cover you for the following:
Rearrangement costs if you catch the virus and need to change your plans. Lots of comprehensive travel insurance policies let you claim up to $5,000 towards these expenses.
Medical costs due to COVID-19. This can include hospital expenses and RATs if you catch COVID-19 while overseas (but you won't be covered for mandatory PCRs).
Expenses if you need to isolate. For example, if you catch COVID while you're overseas and need to push back your flight and stay in your accommodation longer.
How do I get cheap travel insurance for New Zealand?
Medical only or basic policies will generally be the cheaper policies on the market.
Use exclusive deals or promo codes to get a discount.
Opt for a higher excess. This will make your policy cheaper but more expensive if you have to claim.
Compare across a handful of travel insurers – they're not all the same.
Get the most value by buying your policy early. It means you're covered for longer while paying the same price.
"When I travel, I don't want to fork out a lot for travel insurance. I always get something above the bare minimum though which usually only covers medical-only expenses. Flight disruptions and delayed luggage are really common, so look for a cheap policy that covers me for these things."
For emergencies: call 111 (police), 111 (ambulance) or 111 (fire).
In a medical emergency, call for help and then contact your insurer on their emergency assistance line.
What are the entry requirements for New Zealand?
You don't need a visa to enter New Zealand if you are an Australian citizen, unless you have a criminal record or if you've been deported from any country.
Australian permanent residents need to apply online for a New Zealand Electronic Travel Authority (NZeTA) to enter New Zealand.
Why you can trust Finder's travel insurance experts
You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching travel insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
FAQs about New Zealand
The cheapest policy will usually only cover you for medical expenses. However, flight disruptions and petty crime are fairly common in New Zealand so it may be worth getting comprehensive travel insurance. This can cover you for medical expenses, trip rearrangement costs, theft, luggage delay and more.
The Australian government's smartraveller site recommends that you take out cover when travelling to New Zealand. If you can't afford travel insurance, you can't afford to travel.
Lots of travel insurers cover COVID-related expenses now. You can find a full table of the policies that cover COVID expenses on our homepage.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio
Gary Ross's expertise
Gary Ross has written 611 Finder guides across topics including:
Can I get travel insurance but only one way from New Zealand to Perth WA
Finder
AngusNovember 2, 2024Finder
Hi Lorraine, Check out our guide to one-way travel insurance for insurers who offer this option.
MichelleOctober 12, 2017
My family of 5 is traveling to New Zealand for just over four weeks from early December to early January. I am wondering if we need to get travel insurance or not? I know basic medical is covered as we are covered by Medicare and New Zealand recognises that as cover for them.
Finder
JhezelynOctober 13, 2017Finder
Hi Michelle,
Thank you for your comment.
Australians can access New Zealand’s public health care system in an emergency, but travel insurance is still essential. New Zealand and Australia have a reciprocal health care agreement, meaning that Australian travellers can access New Zealand’s public health service in an emergency, and vice versa. You’ll still have to pay some fees for treatment and medication (you’ll be charged the same amount as a New Zealand resident) and it’s important to remember the agreement isn’t a replacement for travel insurance – which is always a necessity. Remember to take your Medicare card with you – you’ll need it, along with your passport, to prove that you’re eligible.
Please fill out the Travel insurance form to get quotes for your trip to New Zealand. Please ensure you review the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.
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Can I get travel insurance but only one way from New Zealand to Perth WA
Hi Lorraine, Check out our guide to one-way travel insurance for insurers who offer this option.
My family of 5 is traveling to New Zealand for just over four weeks from early December to early January. I am wondering if we need to get travel insurance or not? I know basic medical is covered as we are covered by Medicare and New Zealand recognises that as cover for them.
Hi Michelle,
Thank you for your comment.
Australians can access New Zealand’s public health care system in an emergency, but travel insurance is still essential. New Zealand and Australia have a reciprocal health care agreement, meaning that Australian travellers can access New Zealand’s public health service in an emergency, and vice versa. You’ll still have to pay some fees for treatment and medication (you’ll be charged the same amount as a New Zealand resident) and it’s important to remember the agreement isn’t a replacement for travel insurance – which is always a necessity. Remember to take your Medicare card with you – you’ll need it, along with your passport, to prove that you’re eligible.
Please fill out the Travel insurance form to get quotes for your trip to New Zealand. Please ensure you review the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.
Regards,
Jhezelyn