Travel Insurance for New Zealand

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Embarking on a journey to New Zealand, known for its magnificent landscapes, vibrant culture, and adventurous outdoor activities, is undoubtedly exciting.

However, it is crucial to be prepared for potential mishaps that could occur during your travels. One of the key components of this preparedness is travel insurance.

This comprehensive guide will help you understand the necessity of travel insurance when traveling to New Zealand, its types, coverage, and more.

The Importance of Travel Insurance for New Zealand

Travel insurance isn’t just an extra expense; it’s a safety net that ensures you’re protected against unexpected events. Whether it’s trip cancellation, medical emergencies, or lost luggage, travel insurance can cover various risks associated with traveling, saving you from potential financial losses.

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

What Does Travel Insurance Cover?

Medical Emergencies: New Zealand’s public healthcare system may not extend to tourists. Thus, medical treatment can be costly without insurance. Travel insurance policies usually cover medical emergencies, including hospital stays, medications, and sometimes even medical evacuation.

Trip Cancellation/Interruption: Unforeseen circumstances like illness, death of a loved one, or work issues can force you to cancel or cut short your trip. Travel insurance can help you recoup pre-paid, non-refundable expenses.

Baggage and Personal Belongings: Losing luggage or personal items can be a frustrating experience. Travel insurance typically covers the loss, damage, or theft of baggage and personal belongings.

Personal Liability: If you accidentally cause damage to property or injure someone, personal liability coverage can protect you from potential lawsuits.

Travel Delays: Significant delays due to weather conditions, strikes, or other reasons may lead to additional accommodation and meal expenses. A good travel insurance policy covers these costs.

Factors to Consider While Choosing Travel Insurance

When purchasing travel insurance, consider the following factors to ensure you’re adequately covered:

Coverage: Verify the coverage provided by the policy. It should at least cover medical expenses, trip cancellation, baggage loss, and personal liability.

Policy Limit: Check the policy limits. Medical coverage should ideally have a high limit, considering the potential cost of medical treatments.

Exclusions: Understand the policy exclusions, i.e., situations where the policy does not provide coverage. These often include pre-existing medical conditions, extreme sports (unless specifically covered), and incidents involving alcohol or drug use.

Claim Process: A complicated claim process can be stressful. Ensure the insurer has a simple and efficient claim process, preferably with 24/7 assistance.

Deductible: The deductible is the amount you’ll need to pay before the insurance coverage kicks in. A high deductible typically means lower premiums, but you’ll have to pay more out of pocket if you make a claim.

Specific Considerations for New Zealand

New Zealand offers an array of activities like bungee jumping, white-water rafting, and hiking. If you plan to partake in such adventure activities, make sure your travel insurance covers them. Not all policies cover extreme sports, so you might need to purchase additional coverage.

Furthermore, New Zealand is prone to natural disasters like earthquakes. Check if your insurance policy provides coverage in such cases.

Travel Insurance Providers

Numerous insurance providers offer comprehensive travel insurance plans. Companies like Allianz Travel, World Nomads, and Travelex are well-known in this space. It’s advisable to compare the policies, pricing, and customer reviews before deciding on an insurance provider.


Purchasing travel insurance for your trip to New Zealand is not just a wise decision; it’s an investment in peace of mind.

It ensures that you can focus on exploring the beautiful Kiwi nation without worrying about potential financial risks. Ensure you thoroughly review and understand the terms of your chosen policy to make the most out of its benefits.


Q1: Is travel insurance mandatory for visiting New Zealand?

No, travel insurance isn’t legally mandatory for visiting New Zealand. However, considering the financial risks associated with travel, it is strongly advised.

Q2: Does travel insurance cover COVID-19 related claims?

Some insurance providers offer coverage for COVID-19 related claims, including medical treatment and trip cancellation. However, it varies between insurance providers and policies, so it’s best to check with your provider.

Q3: Can I buy travel insurance after I’ve started my trip?

Some insurance companies, like World Nomads, allow you to purchase travel insurance after departure. However, conditions may apply, and certain benefits may be limited.

Q4: What should I do if I lose my luggage?

If you lose your luggage, report it immediately to the airline. They are often able to locate lost baggage within a few days. Also, report the loss to your travel insurance company and provide them with any required documentation.

Q5: What is the average cost of travel insurance for New Zealand?

The cost of travel insurance varies based on several factors, including the duration of your trip, the coverage you choose, your age, and your health. On average, it can range from 4% to 10% of your total trip cost.

Remember, the best travel insurance for you depends on your individual needs and circumstances. So, make sure to take your time and conduct thorough research before making a decision. Happy travels!