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Travel insurance for New Zealand

Consider how travel insurance for New Zealand could help protect your Kiwi adventure.

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Travel insurance for New Zealand: At a glance

  • Medical costs in New Zealand can be expensive; travel insurance may help cover hospital treatment, emergency care and repatriation.
  • International visitors aren't covered by New Zealand's public healthcare system, so travel insurance should be strongly considered.
  • Visa requirements vary by nationality — many countries qualify for visa waiver programs for stays up to 90 days.
  • 150+ adventure activities covered: skiing, snowboarding, bungee jumping, hiking, jet boating and more (depending on options selected).
  • Always read the Policy Wording to understand what’s included and excluded.

Aotearoa—the Māori name for New Zealand meaning "land of the long white cloud"—is a land of world-class adventure experiences, stunning landscapes, unique wildlife, and unforgettable cultural encounters. But before you hit the slopes in Queenstown, tramp the Milford Track, or take in the geothermal wonders of Rotorua, consider how travel insurance for New Zealand could help protect your Kiwi adventure.

Why you should consider travel insurance for New Zealand

New Zealand is a playground, but there are plenty of reasons why a New Zealand holiday insurance policy should be part of your plan.

What’s covered?

Depending on the plan you choose and your Country of Residence, our trip insurance for a trip to New Zealand may cover you (up to benefit limits) for:

We offer two travel insurance plans: Standard and Explorer. Each policy offers different levels of coverage and benefits. Consider your travel insurance needs and select the right plan for you.

If you need to make a claim, extend your policy, or get a quote (waiting periods apply), we’re here to help.

What’s not covered?

Travel insurance doesn't cover everything. Common exclusions include:

  • Excluded adventure activities
  • Change of mind
  • Certain activities if you haven't purchased the appropriate activity coverage option
  • Valuables left unattended, even in locked cars
  • Reckless behaviour

Be sure to read the Policy Wording and General Exclusions for other scenarios and expenses we don't cover so there'll be no surprises if you need to make a claim.

Adventure travel insurance for New Zealand

We offer travel insurance for adventure activities in New Zealand, with 150+ activities, sports, and experiences covered. Summer (December to February) is perfect for kayaking Abel Tasman's turquoise waters, tramping the Milford Track, or diving the Poor Knights Islands. Winter is for skiing in Queenstown, relaxing in the hot pools of Taupo, and exploring Franz Josef Glacier.

Skiing and snowboarding

Heading to Coronet Peak or The Remarkables? You might want to consider travel insurance for skiing before you go.

Road tripping in New Zealand

With winding alpine routes and coastal highways, New Zealand is perfect for road trips. Our Explorer plan offers rental vehicle excess cover if your rental car is damaged or stolen during your trip. Cover is also available for the cost of replacing rental car keys if lost, stolen or damaged during the rental period. You must have a valid licence in your country of residence for the class of vehicle you’re driving overseas, regardless of local laws. You must also comply with local laws of the country in which you’re driving. Please note: travel insurance doesn’t replace the need to have a signed rental vehicle agreement or damage waiver in place.

What to watch out for in New Zealand

Remote locations

Cell reception can be patchy outside cities, and the weather in mountainous regions and remote locations like Fiordland National Park can turn in a blink.

Adventure sports and activities

New Zealand has a reputation for being one of the biggest adventure sport hubs in the world. This means two things: adventure is guaranteed and accidents can happen. Follow correct protocol and consider whether you need travel insurance for adventure sports in New Zealand.

Vehicle security

Never leave valuables unattended in your vehicle or camper, especially in remote areas or trailheads, even if your car is locked. These areas are hotspots for thieves.

Stay protected on your New Zealand adventure - Buy Travel Insurance today!

Tips for traveling to New Zealand

  • Book popular experiences well ahead: Book popular hikes (Routeburn Track, Milford Track), ski passes, wine tours) Hawke’s Bay, Marlborough), and sought-after restaurants (Amisfield Bistro) well ahead.
  • Explore both islands, if you can: The North Island offers geothermal landscapes in Rotorua, Māori culture, and vibrant cities like Wellington and Auckland, while the South Island delivers on alpine adventures in Queenstown, glaciers, pristine fiords in Milford Sound, and world-class snow sports. Christchurch and Dunedin provide perfect bases for exploring the South Island, while the Bay of Islands in the north offers stunning coastal experiences.
  • Pack for four seasons in one day: The weather in New Zealand is unpredictable. Layers, waterproof clothing, and sun protection are all your friend, no matter the time of year. Mountain weather can turn dangerous quickly, so always check forecasts before tramping and be prepared to postpone plans if conditions deteriorate.
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FAQ

Here are our most frequently asked questions about cover for a trip to New Zealand. You can also find the answers to other questions in our Help Center or you can ask the customer service team.

  • Will my health insurance cover me in New Zealand?
    Most international health insurance doesn't provide coverage in New Zealand or offers limited benefits. New Zealand's healthcare system requires payment from international visitors, making travel insurance for overseas medical emergencies something to consider.
  • Does travel insurance cover stolen or lost luggage?
    Our policies may cover lost, stolen, or damaged luggage and personal belongings up to specified limits. Report theft to police immediately and obtain documentation. Keep receipts for valuable items to support claims.

This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Wording in full, so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.

Travel Insurance Benefits: how we can take care of you

Trip Protection

Protect your hard earned vacation from unexpected cancellation before you leave home.

  • Explorer Plan: USD $10,000
  • Standard Plan: USD $5,000
Trip Protection
  • Unexpectedly hospitalized?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Overseas Medical Insurance

Take the pain out of medical costs while traveling overseas.

  • Explorer Plan: Unlimited, up to 12 months
  • Standard Plan: USD $5,000,000
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Medical Transportation

We'll get you to hospital quickly.

  • Explorer Plan: USD $500,000
  • Standard Plan: USD $500,000
Evacuation and Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medevac home?

Help starts here.

Protect your gear

Cover your stolen or damaged gear and tech.

  • Explorer Plan: USD $3,500
  • Standard Plan: USD $2,500
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

  • Overseas Medical & Dental Expenses
  • 24 hour Emergency Assistance
  • Emergency Medical Transport
  • Repatriation & Travel Expenses
  • Pre-Trip Cancellation
  • Trip Interruption
  • Resumption of Trip
  • Travel Delay
  • Missed connection (Explorer)
  • Hijacking (Explorer)
  • Baggage & Personal Items
  • Passport & Travel Documents
  • Personal Liability
  • Rental vehicle insurance excess (Explorer)
  • Personal accident (Explorer)
*This is a general summary for all residents except from USA, Canada, Australia, New Zealand, Europe, Brazil, China and Philippines. Restrictions, exclusions and limitations will apply. Coverage may not be available for all countries, states or provinces. Benefit limits may vary depending on the plan chosen. Get a quote for full details.