Travel Insurance for New Zealand
From snowsports to watersports, and hiking to biking - New Zealand is full of adventures. Get our tips on how to experience it like a true Kiwi!
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- Do I need travel insurance for New Zealand
- Travel insurance for activities in New Zealand
- Travel insurance for medical emergencies in New Zealand
- Travel insurance for lost bags in New Zealand
- Road trips through New Zealand
- Travel insurance for cancelled, interrupted, or delayed trips to New Zealand
From the waterfalls of Fjordland, to the rainforests, beaches, and glacial peaks, New Zealand is a dream vacation spot for many Canadians.
The northland region’s Bay of Islands gives you the chance to island hop between over 100 islands, but you may also want to rent a campervan and trek over to Mount Parihaka to take in the picturesque panoramic views.
If you’re exploring the South Island, you can check out the majestic Blue Pools of Makarora or you may be lucky enough to spot a sea lion or penguin near the Otago Peninsula. The south island definitely has its share of phenomenal hiking opportunities and scenic cycling routes.
While a trip to New Zealand is an amazing experience, there are some things to be aware of. With everything from earthquakes to parasites, and cancelled flights to lost bags - there’s definitely some things our nomads have learned along the way. We encourage you to check out our team’s insights on things to know about New Zealand before you go.
Do I need travel insurance for New Zealand?
When you’re planning your trip to New Zealand, you’ll find that there’s plenty of adventures like rafting on the Rangitata Gorge and sand boarding on the giant dunes at 90 Mile Beach. You can plan your itinerary and book your excursions in advance, but what you can’t plan for are the unexpected things that may happen along the way.
With any overseas travel, there’s always going to be some things you can’t anticipate - like cancelled trips, delayed baggage and medical emergencies. If you tumble off of your sand board and break a leg, your travel insurance for New Zealand could help you get the medical care you need.
Unexpected natural disasters could also put a halt to your plans. New Zealand is located in an active seismic zone, and earthquakes and volcanic eruptions can happen there. If your trip to Tongariro National Park is cancelled because Mount Ruapehu unexpectedly erupts and the Canadian Government issues an advisory against travel to a destination, country or region listed on the itinerary of your insured trip (and the advisory is issued after your purchased your non-refundable prepaid trip arrangements) or the natural disaster makes it impossible for you to occupy your destination residence, your travel insurance for New Zealand could assist with reimbursing you for prepaid, non-refundable expenses for things like hotel accommodations and excursions if you need to cancel or interrupt your trip.
Because of these unplanned situations you could encounter, travel insurance for New Zealand may be something you should consider. There are two different plans to select from, and when you get a quote you can compare the options to determine the best international travel insurance for your needs.
Travel insurance for activities in New Zealand
Since New Zealand is the birthplace of commercial bungee jumping, we know you may want to take that leap while you’re there. World Nomads covers more than 250 activities for Canadians travelling to New Zealand - including bungee jumping.
In a country surrounded by water, you’ll probably be having some aquatic fun as well. Things like scuba diving, kayaking, and surfing could be covered too.
When you get a quote for your travel insurance for New Zealand, you’ll need to list your planned activities. You won’t be able to add or remove activities after you make your purchase, so make sure you add them all at that time. If you plan on participating in an activity that isn’t listed in our policy wording, contact us before your purchase your policy to determine if you will be covered.
Travel insurance for medical emergencies in New Zealand
With all of the fun to be had in New Zealand, there’s plenty of adventure activities that you’ll want to try. Our nomads all agree that one of our favorite must-do activities there is glacier walking.
The Haupapa/Tasman glacier is New Zealand’s longest glacier and is located in Aoraki/Mount Cook National Park on the South Island. It’s a magnificent thing to see, and is a great excursion for visiting Canadians. Never venture out onto a glacier alone though. Instead, we recommend choosing an eco-friendly tour operator and taking a guided tour.
While the coolness of glacier walking can’t be denied, anytime you’re walking on slippery ice, accidents can happen. If you lose your footing, slide, and fall into a crevasse, you could end up with injuries. Sure, you’ll have a jaw dropping story to tell back home in Canada, but you’re also going to need to get medical care as soon as that happens.
World Nomads travel insurance plans offer cover for emergency medical expenses you incur as a result of an injury, unexpected sickness or death occurring on your trip. Your Government Health Insurance Plan may only pay a small portion, if any, of your medical expenses in New Zealand. Your World Nomads travel insurance plan offers coverage for such things as:
- Emergency medical care from a physician
- Wheelchairs, braces, crutches or other medical appliance
- Ambulance transportation
- Bedside companion
- Emergency Professional services
In most situations, medical providers will require payment upfront. Your travel insurance plan may provide reimbursement of the expense you incur.
If you have a medical emergency when travelling to New Zealand, you must contact the 24/7 emergency assistance team prior to seeking medical attention unless your medical conditions prevents you from calling, in which case you must call us as soon as medically possible or have some call on your behalf. Our emergency assistance team can help refer you to a place that offers the level of care that you need. Also remember to save all paperwork and receipts.
If our emergency assistance team or your treating physician recommends that you return to your home province because of your medical condition, World Nomads travel insurance includes coverage for emergency evacuation and repatriation could also help cover the costs to get you there.
Travel insurance for lost bags in New Zealand
If you plan to visit Goat Island Marine Reserve, you may have packed your new snorkel and mask in your checked bag. If you get to Auckland and then realize that the airline lost your bag, the baggage coverage included in your travel insurance for New Zealand may reimburse you for the cost to replace your snorkel, mask, and other baggage and personal effects . When you get a quote, you can check the policy wording in your international travel insurance policy to get the specific details what’s covered, depreciation and policy limits.
If you’re lucky, the bag just took a detour and will eventually make its way to you before your snorkeling excursion. Even a delayed bag can be stressful though. If this happens, and your checked baggage is delayed 12 hours or more by your airline or ground carrier, you may be eligible to be reimbursed for the expenses you incur for a change of clothes and toiletries until you and your bag are reunited.
Road trips through New Zealand
If you’re up for a little spontaneity in your New Zealand adventure, you may be interested in renting a campervan and hitting the open road. Road trips have become so popular in New Zealand and you’ll find plenty of rental options - everything from small minivans to Class A RV’s. You’ll also find a variety of camping sites across the country.
Think of it as a hotel room on wheels. You can be flexible and venture out to a wide variety of areas where you can see New Zealand in a whole different way. With all of your belongings in your vehicle though, you’ll want to be careful about not leaving things out in plain sight, as that could be tempting to thieves.
If you’re parked at a remote location like a trailhead, thieves can sometimes try to take an opportunity to break in. They could think your campervan is an easy target. Try to park somewhere your campervan can be seen, and where it is well lit.
You can take the steps to try to avoid thieves on your road trip, but sometimes things happen. If this does happen to you, make sure to contact the police and file a report. You’ll need that if you make a claim.
It’s also important to note that driving there is a little different than driving back home in Canada. Check out our tips for driving safely in New Zealand to make your road trip even more epic.
Travel insurance for cancelled, interrupted, or delayed trips to New Zealand
You’ve put in the time to plan the perfect getaway to New Zealand, but sometimes things happen that can derail your plans.
If your travel companion unexpectedly gets sick before you leave Canada, a doctor may tell him not to travel to New Zealand at that time. Nobody wants to cancel their dream vacation, but sometimes things happen. Your travel insurance for New Zealand policy includes trip cancellation coverage that may reimburse you for your non-refundable flights, hotels, and activities you paid for in advance.
Unexpected things can also happen once you are in New Zealand. If there’s storms back home and you get a call that a tornado has destroyed your house, you may need to cut your trip short and go back home to Canada to deal with that.
If you have travel insurance for New Zealand, and something unexpected happens that causes you to cancel, delay, or interrupt your trip, you may be able to recover your unused, prepaid, non-refundable travel expenses if the reason you need to cancel, delay or interrupt your trip is a covered reason under the policy, Examples of covered risks include:
- Medical conditions and death
- Travel Advisories
- Strike
New Zealand Travel Tips
Before you leave Canada, we encourage you to check out the Canadian government’s safety warnings for New Zealand to review their up to date warnings on any advisories. Weather, safety, and political situations can change at any time, and this is where they list their up-to-date warnings on any advisories that may exist at that time.
New Zealand can have some unpredictable weather. The sun can be brutal there, so make sure to always wear sunscreen. Pay attention to the weather forecasts, but even if it’s predicting nothing but sunny days, always make sure you're prepared for strong winds and potential rain because weather can change quickly in New Zealand.
Remember the numbers 111. That's the emergency service number you can call if you need help from the police, fire department, or if you need an ambulance when you’re in New Zealand.
If you purchase travel insurance for New Zealand, it’s always a good idea to save the 24/7 Emergency Assistance phone number and your policy number in your cell phone so you don’t have to search for that if an emergency happens.
Most Canadians travelling to New Zealand have no problems at all, but since disasters like earthquakes and volcanoes are possible there, make sure to check out our information about what you need to know about natural hazards in New Zealand.
This is only a summary of coverage and does not include the full terms and conditions of the policy. It is important you read and understand your policy as it contains benefits, conditions, exclusions and pre-existing condition exclusions. If you do not understand your coverage, or if you have questions, just ask us.
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Protect your hard earned vacation from unexpected cancellation.
- Explorer Plan: $5,000
- Standard Plan: $2,500
Trip Protection
- Unexpectedly hospitalized?
- Travel buddy unfit to travel?
- Close relative suddenly dies?
We’ve got your back.
Emergency Medical Insurance
Take the pain out of medical or dental costs.
- Explorer Plan: $10 million
- Standard Plan: $5 million
Emergency Medical Insurance
- Need meds quick?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Evacuation & Repatriation
We’ll get you to hospital or home quickly.
- Explorer Plan: $500,000
- Standard Plan: $500,000
Emergency Evacuation & Repatriation
- Banged up abroad?
- Need a hospital urgently?
- Medevac home?
Help starts here.
Protect your gear
Covers the theft, damage or delay of your bags, tech and sports gear.
- Explorer Plan: $3,000
- Standard Plan: $1,000
Protect your gear
- Passport or tech stolen?
- Airline lost your gear?
- Bags delayed?
Help starts here.
- Emergency Medical Expenses
- Emergency Dental for Injury or Sickness
- Bedside Companion Travel and Subsistence
- Emergency Professional Services
- Emergency Evacuation and Repatriation
- Return of Travel Companion/Dependent Children
- Return to Your Trip Destination
- Return of Remains
- Travel Accident
- Flight Accident
- Trip Cancellation
- Trip Interruption
- Trip Delay
- Baggage and Personal Effects Theft or Damage
- Baggage and Sporting Equipment Delay
- Travel Documents Theft or Damage
- Sporting Equipment Theft or Loss by a Common Carrier
- Covered Adventure Sports listed in Policy
Assistance Services Included
- LiveTravelTM Emergency Assistance
- Worldwide Travel Assistance
- Adventure Travel Hotline
- 24/7 Security
- Travel Medical Assistance
- Bag Trak
24/7 emergency assistance
Whether you need medical or dental assistance or advice, emergency evacuation or travel assistance, our team are available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
Telephone +1 866 878 0192 (toll-free from Canada and the Continental U.S.) or +1 416 646 3723 (collect from anywhere else in the world)
Contact the team
Before your trip, check the latest government advice for any travel alerts for your destination.