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 2023
This survey was conducted by Dynata, where 95% of respondents said they would recommend Tick to a friend, and it scored the highest in the 'value for money' category.
Want the bells and whistles?
Southern Cross Travel Insurance has taken the top position in the 'Travel insurance - Comprehensive' category for the 2023 Finder Awards. Why? It's got to do with its wide COVID-19 coverage and how it handles cancellations due to unexpected events.
Adding to that, its average pricing was pretty affordable compared to other brands who offer less coverage for a higher price.
Show me the money!
Fast Cover is the winner of the 2023 Finder Awards for the 'Travel insurance - Value' category. How? We compared the average prices of 28 international travel insurance policies, and Fast Cover came out on top.
But what does 'value' mean? It means we looked at more than just price. Fast Cover doesn't include everything on its policies, but it offers good value.
The best for your backyard
InsureandGo has taken the top place for the 'Travel insurance - Domestic' category in the 2023 Finder Awards.
Why? We analysed 23 domestic policies and found that InsureandGo were generous with their benefit limits for things like cancellation and rental car excess insurance.
This one's for the seniors
Southern Cross Travel Insurance is the winner of the 'Travel insurance - Seniors' category in the 2023 Finder Awards. Why? It has higher age limits and generous benefits.
We also appreciated SCTI's easy-to-read product disclosure statement. This means that customers can easily understand their policies, and travel with confidence.
Insurance Innovation Finalist
Fast Cover Travel Insurance's COVID-19 Benefits & Refund Policy earned it a place among the finalists in the Insurance Innovation category of this year's Finder Innovation Awards.
It goes further than many other insurers, covering COVID medical expenses and evacuation, up to $5,000 for COVID-related cancellations and additional expenses.
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.
Our expert says
"Civil unrest, security risks, threat of terrorist attack and crime are a concern in New Zealand, but you should still be eligible for travel insurance. It won't cover all of these situations but it can help cover medical costs, stolen belongings and much much more."
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 was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 648 Finder guides across topics including:
If you are planning a getaway, ensure your financial safety with a comprehensive travel insurance policy. Comprehensive travel insurance protects both you and your travelling companion against an array of unforeseen events.
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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.
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.
Regards,
Jhezelyn
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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