state travel insurance new zealand

State Travel Insurance NZ

State travel insurance can be a fantastic travel insurer to consider when arranging travel insurance in New Zealand . They offer a range of policies to suit the needs of just about any traveller, including overseas single and multi-trip cover and two types of domestic cover. It is easy to get a quote from State’s website, and their numerous policies can be compared with other companies travel insurance policies easily on glimp’s comparison page, where you can find your cheapest and most optimal cover!

Why get travel insurance with State?

State offer 24/7 access to a team of experts with their global network of doctors, nurses and logistical staff, and additionally provide cover for emergency accommodation and emergency travel expenses in the case of a natural disaster disrupting your journey. The also provide overseas medical cover as well as help to arrange treatment and medical evaluation, and provide a quick and easy online claims process. Existing state customers additionally can receive a 10% discount when signing up for state travel insurance online. Finally, all customers can collect fly buys points on their insurance policy, which with accumulation can lead to more trips away!

To get an estimate of your premium with State Travel, you can visit their official page for your State Travel Insurance quote or compare travel deals using the comparison tool at glimp.

Is it worth it to get travel insurance?

It is always worth getting travel insurance! Just as you would insure your house, car, or contents, it is a wise idea to insure your trips away just in case the worst does occur. If you accidentally damage any property overseas, you can be held legally liable and will be required to payout; similarly, overseas medical costs and dental costs can be crippling, and missing a flight can happen to even the most organized people in busy, unfamiliar and fast-paced airports. Travel insurance covers all of these unfortunate events and more, ensuring that you can enjoy your holiday to the fullest!

What can I claim?

States international travel insurance policy allows you to claim unlimited medical and dental expenses and unlimited additional expenses. You can claim up to $25,000 in lost luggage and travel documents, receive a delayed luggage allowance of up to $1,500, a rental car excess of up to $10,000, a travel delay compensation of up to $2,000, covered legal expenses up to $10,000 and up to $15,000 if you incur a disability or accidentally die. Finally, State also offer personal liability insurance of up to $2,500,000.

State Travel Insurance Policies NZ

Single trip.

State offers a comprehensive single trip cover travel insurance policy for your holidays overseas. It is easy to find a quote for this on their website and to compare quotes between state and other travel insurers on glimp’s comparison page. States single trip policy covers your medical and dental expenses, additional expenses, the loss or delayment of baggage, loss of your rental car excess, travel delay and resumption of journey, hospital incidentals, loss of income, personal liability, and accidents resulting in disability or death.

Multi-trip travel insurance can be perfect for travellers planning on taking numerous trips abroad each year. States multi-trip travel insurance offers many benefits and can work out to be cheaper than normal travel insurance for those avid travellers. Their annual multi-trip cover covers travellers travelling both in and out of New Zealand; you can save on premiums by taking out one single policy to cover you for twelve months. Two things to remember, however, is that whilst travel within New Zealand is covered, it must be to destinations over 250 km away from your home. Additionally, the maximum duration of your international trips must not exceed 30, 45, or 60 days (depending on your individual policy) and your domestic trips maximum duration must not exceed 15 or 30 days.

Domestic Travel Insurance

State travel insurance offers one of New Zealand’s best domestic travel insurance policies. This is because State offers two different domestic travel insurance types: their Domestic Cancellation policy and their Domestic Comprehensive policy. States Domestic Cancellation policy covers changes and cancellations made before you leave and extra expenses while you are away. You can additionally choose the cover amount, ranging from $200 to $1,500. Their Domestic Comprehensive travel insurance policy covers this as well as lost luggage (it happens!), medical expenses and rental car excess cover.

State travel insurance FAQ’s

Got a question about contents insurance? Have a look at our FAQ section and see if your question has already been answered!

Does State do domestic travel insurance?

Yes! State offer one of NZ’s best domestic travel insurance policies, with two types of domestic travel cover: their domestic cancellation policy covers changes and cancellations made before you leave and extra expenses while you are away, whilst their Domestic comprehensive cover includes lost luggage, medical expenses and rental car excess cover. You can additionally choose your cover amount, ranging from $200 to $1,500.

Does State offer Fly Buys?

Yes! State is the only insurance company in New Zealand to offer Fly Buys. To gain Fly Buys points with State, all you need to do is register your Fly Buys number with them and you can earn one Fly Buys point for every $25 of premium paid for any policy you have with them, including your travel insurance policy. You can find State Travel Insurance online for other deals and benefits when you purchase their policy. Competitions and giveaways run through Fly Buys also means that State can offer their customers additional perks through their association with Fly Buys.

What other types of insurance does State offer?

State offers a wide range of insurance policies including car, contents, homes, business, motorbike, trailer, boat, caravan, contract works, landlord and life insurance. States various insurance policies are easy to compare on glimp: for example, compare contents insurance between different NZ companies here .

Check with your agent to learn more of what your State Insurance Travel covers.

Does State insurance cover adventure sports?

This varies. State excludes activities such as hunting, racing, polo playing, hang gliding, off piste snow skiing and snowboarding, rodeo riding, BASE jumping, moto cross, freestyle BMX riding, running with the bulls, mountaineering and rock climbing and scuba diving unless you are with a qualified instructor. However, state includes activities such as abseiling, kayaking, archery, skydiving, snorkelling, white water rafting, jet boating, jet skiing, bungy jumping and horse riding. A full and comprehensive list of which sports are included and excluded from States travel insurance policy can be seen in their travel policy wording

Compare State Travel Insurance Policies Now

Find a better travel insurance policy with state..

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• Travel Insurance

Already with AMI? Take 10% off your travel insurance.*

*Use promo code AMICUST Discount applies to existing AMI customers and to premiums for the standard policies net of Government levies and GST (if applicable). Discounts do not apply to premiums for cover additional to standard policies or to any minimum premium.

Great options to suit your travel within New Zealand or overseas

Overseas cover & annual multi-trip cover

Our overseas travel covers medical, dental and hospital treatment*, lost luggage, and personal liability, and can get you and your family home in certain emergencies.

Travel a lot? Take out our annual multi-trip option and you’re covered for as many trips as you like, for 12 months.**

Find out more

Domestic Cover

If your plans while travelling in New Zealand change unexpectedly, we can cover the cost of cancelling or amending your flight, accommodation or rental car bookings and other expenses, up to $10,000.

Inbound Cover - Visiting NZ

Are you a non-resident visiting friends and family in NZ, or on a working holiday? Our Inbound plan can cover medical and dental expenses, luggage and travel documents, rental vehicle insurance excess, personal liability and more!

Travel Cover During Covid-19

Planning an adventure? Check out our scenario-based FAQs explaining how we could cover you if Covid-19 plays havoc with your trip: AMI Travel Cover and Covid-19 FAQs

Find out before you go – our Covid-19 Benefits Destination Guide explains how AMI Travel cover applies when travelling to different international destinations: Covid-19 Benefits Destination Guide

Still unsure? Ask us a question

Compare our Travel Cover Plans

Every driver’s different, so our car policies come with different features.

Policy benefits

Medical and dental expenses

Additional expenses

Amendment or cancellation costs

Luggage and travel documents

Delayed luggage allowance

Rental vehicle insurance excess

Travel delay

Resumption of journey

Missed connections

Special events

Hospital incidentals

Loss of income

Accidental death

Legal expenses

Personal liability

Get a travel quote now

This is only a summary of benefits provided. Please refer to AMI Travel Policy Wording for full details of the cover provided. Please read the entire document carefully to understand what this policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply.

Specific terms, conditions and exclusions apply to Covid-19. See the policy wording for the most up to date information.

* Cover will not exceed 12 months from the onset of the illness or injury. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to our Inbound Plan. ^ Cover chosen applies per policy. See the policy wording . • Item limits apply for any one item, set or pair of items including attached or unattached accessories. You may increase these item limits if you wish. See the policy wording . # If you or your travelling companion are diagnosed with Covid-19 by a qualified medical practitioner and are unable to travel, you can claim cancellation or amendment costs for your prepaid trip up to a benefit limit of $10,000 per policy on an international Plan or $5,000 per policy on a Domestic Plan or if applicable, up to the level of cover purchased for cancellation (whichever is lower). There is also no cover if symptoms or diagnosis occurred prior to buying your policy. ~ The maximum liability collectively 14, 15, and 16 is $15,000 International Plan, and $10,000 on a Domestic Plan

This is only a summary of the benefit provided. Please refer to the policy wording . For details of the cover provided. Please read the entire document carefully to understand what the relevant policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply, and this summary of benefits table may change at any time.

Before you travel

Travel safety

Find out more information about events that may affect you when you travel.

Travel tips

Our team of intrepid Kiwi travellers has come up with a list of handy travel tips to help make your holiday even better.

AMI Travel insurance is underwritten by Zurich Australian Insurance Limited ("ZAIL") incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. IAG New Zealand Limited (“IAG”), of which AMI is a business division, is not the insurer. IAG receives a commission for the issue of AMI-branded travel policies arranged through Cover-More (NZ) Limited (“Cover-More”). Cover-More administers the policy and acts on behalf of Zurich New Zealand. IAG does not guarantee Zurich New Zealand or Cover-More.

AMI Travel Website Disclaimer 12072022

Limits, sub-limits, conditions, and exclusions apply. Standard excess may apply.

AMI Travel insurance is administered by Cover-More NZ Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640 , trading as Zurich New Zealand. For further information see Zurich New Zealand's financial strength rating .

Any advice is general advice only. Consider the AMI Travel Policy Brochure and wording therein before deciding to buy this product. IAG receives a commission for the issue of AMI branded travel policies arranged through Cover-More (NZ) Limited ("Cover-More").

IAG New Zealand Limited ("IAG"), of which AMI is a business division, is not the insurer. IAG does not guarantee Zurich New Zealand or Cover-More.

Quick and easy claims We're here for you if something disrupts your trip. Save time and submit your claim online.

Where are you going.

Worldwide including the Americas, the Caribbean and Antarctica: Antarctica (Cruising), Antigua and Barbuda, Argentina, Bahamas, Barbados, Belize, Bermuda, Bolivia, Brazil, Canada, Cayman Islands, Chile, Colombia, Costa Rica, Cuba, Dominica, Dominican Rep, Ecuador, El Salvador, Falkland Islands, French Guiana, Greenland, Grenada, Guadeloupe, Guatemala, Guyana, Haiti, Honduras, Jamaica, Martinique, Mexico, Netherlands Antilles, Nicaragua, Panama, Paraguay, Peru, Puerto Rico, St. Kitts and Nevis, St. Lucia, St. Vincent and Grenadines, Suriname, Trinidad and Tobago, United States of America, Uruguay, Venezuela, Virgin Islands.

Africa, Middle East, Indian Sub-Continent and Asia (other): Afghanistan, Algeria, Angola, Azores, Azerbaijan, Bahrain, Bangladesh, Benin, Bhutan, Botswana, Burkina Faso, Burundi, Cameroon, Canary Islands, Cape Verde, Chad, China, Central African Republic, Comoros, Congo (Dem. Rep), Djibouti, Egypt, Eritrea, Ethiopia, Equatorial Guinea, Gabon, Gambia, Ghana, Guinea, Guinea Bissau, India, Israel, Iran, Iraq, Ivory Coast, Jordan, Kazakhstan, Kenya, Korea (north), Korea (south), Kuwait, Kyrgyzstan, Lebanon, Lesotho, Liberia, Libya, Macau, Madagascar, Mauritius, Mauritania, Mozambique, Maldives, Malawi, Mali, Mongolia, Morocco, Namibia, Nepal, Nigeria, Niger, Oman, Pakistan, Qatar, Reunion, Rwanda, São Tomé and Príncipe, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, South Korea, South Sudan, Sri Lanka, Sudan, Swaziland, Syria, Taiwan, Tajikistan, Tanzania, Togo, Tunisia, Turkey, Turkmenistan, Uganda, United Arab Emirates, Uzbekistan, Yemen, Zambia, Zimbabwe.

Europe: Albania, Andorra, Armenia, Austria, Belarus, Belgium, Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Herzegovina, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Maderia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, Vatican City.

UK: Channel Islands, England, Northern Ireland, Scotland, United Kingdom, Wales.

South East Asia, Hong Kong, Japan: Brunei, Cambodia, East Timor, Federated States of Micronesia, Guam, Marshall Islands, Micronesia, Hong Kong, Indonesia, Japan, Kiribati, Laos, Malaysia, Myanmar (Burma), Nauru, Northern Marianas, Palau, Papua New Guinea, Philippines, Singapore, Thailand, Vietnam

South Pacific and Norfolk Island:  Cook Islands, Fiji, French Polynesia, New Caledonia, Niue, Norfolk Island, Samoa, Solomon Islands, Tokelau, Tonga, Tuvalu, Vanuatu, Western Samoa.

New Zealand Only:  New Zealand domestic travel

New Zealand Inbound Travellers :   New Zealand

Dates of Travel

Departure date (travel start date).

Single Trip - The date you depart New Zealand

Cover under the Amendment or Cancellation Costs benefit begins from the time you buy your policy. Cover under all other sections begins from the Travel Start Date you select.

Annual Multi-Trip - The date your policy will commence

Cover under the Amendment or Cancellation Costs benefit begins from the time you buy your policy. For further information, we recommend you read the definition of "Relevant Time" in the Policy Wording.

Return date - (Travel end date)

Single Trip - The date you return to your home

Annual Multi-Trip

Regardless of what you enter as the Return date, you will be quoted for a 12 month Annual Multi-Trip policy.

For further information we recommend that you read the definition of "Relevant Time" in the Policy Wording.

Traveller Details

Age of each traveller at issue date

Simply enter the age of each traveller including children.

Only use as many boxes as you have travellers.

Do all travellers live in New Zealand?

New Zealand resident travellers are able to purchase Travel Insurance policies from us to any area of travel and any country/destination.

Non-New Zealand resident travellers are only able to purchase a Travel Insurance policy if travelling inbound to New Zealand.

For Non-New Zealand resident travellers wanting to purchase Travel Insurance to travel to any other part of the world other than travel to New Zealand, please contact us as we may still be able to offer cover to you.

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Travel insurance

Travel insurance helps cover you if something happens to you or your belongings while travelling and can include cover for illness, accidents and flight delays.

On this page

When you need travel insurance.

It's best to buy travel insurance as soon as you make your first booking – this ensures you're covered if you need to change or cancel any of your plans before your departure date.

The main reason you may need travel insurance for a domestic trip is to cover your costs if your trip needs to be cancelled or delayed due to unforeseen circumstances.

When you're travelling in New Zealand:

• your belongings are usually covered by your normal contents insurance – check your policy to make sure
• you're covered by the health system and ACC if you get sick or are injured.

If you're travelling overseas, you need travel insurance. Your usual contents or medical insurance does not cover you when you're outside of New Zealand.

Some countries, including Fiji, require proof of valid travel insurance to enter the country.

What travel insurance covers

Most travel insurance will cover you for:

• cancellations and delays due to unforeseen circumstances – like bad weather, an accident that means you can't continue your trip, or the death of a close relative at home
• medical treatment if you’re injured or get sick – including travel home if you need it
• lost or delayed luggage
• damaged or stolen personal items
• accidental damages or legal expenses you incur while overseas – except for motor vehicle accidents, which need to be covered with separate rental insurance.

Travel insurance won't cover you if you just change your mind about your trip, including if you want to cancel because there's been a terror attack at your destination.

You also won't be covered if a 'do not travel' advisory is issued for your destination, or to embargoed countries and you choose to travel anyway.

Travel advice levels (external link) — SafeTravel

Your rights

Insurers operating in New Zealand must comply with consumer law, including the Consumer Guarantees Act and Fair Trading Act. They don’t apply if you book insurance with an overseas provider while overseas.

Consumer Guarantees Act (external link)

Fair Trading Act (external link)

Most insurers also follow the Insurance Council of New Zealand's Fair Insurance Code, which includes agreeing to:

• provide a professional service
• give accurate information
• explain terms and conditions, and exclusions – if you need them to
• tell you if anything changes
• settle claims fairly and in a reasonable amount of time
• protect your privacy
• have a fair complaints process
• act on feedback and complaints.

When you take out travel insurance, you must:

• tell the truth and give insurers the information they ask for – called disclosure
• report stolen items or accidents as soon as they happen
• follow instructions from your insurer – for example, to keep receipts or go to a specific hospital
• keep receipts for costs incurred or for items purchased
• take reasonable care – for example, lock rental car doors and don't put valuable jewellery or prescription medicine in checked-in luggage.

Choosing the right travel insurance from an insurer, travel agent or bank

You can buy travel insurance directly from an insurer, or through a travel agent or through your bank.

If you have a premium credit card (for example a 'gold' or 'platinum' card), it may come with built-in travel insurance. It’s important to read policy terms and conditions carefully and weigh up whether comprehensive travel insurance is a better way to go.

The cost of the insurance will depend on:

• how long you'll be away
• your age – cover can cost more if you're older, and some policies include dependent children for free
• the excess you want to pay if you need to make a claim – some insurers let you pay more for a lower excess, or vice versa
• the activities you're planning while away – some insurers charge extra for ski or snowboarding trips, and some won't cover things like scuba diving or rock climbing
• the type of policy you choose – a comprehensive policy will cost more than a budget one, but will provide you with more cover.

If your credit card comes with travel insurance:

• check the requirements to activate the insurance – you may need to pay for your flights or travel expenses using your card
• check your card's policy covers your plans – including the length of your trip and any activities you're planning
• pre-existing medical conditions usually aren't covered – contact the insurer to see if you can add cover for a fee
• you may have to pay a higher excess when making a claim.

Getting the travel insurance you need so that everything is properly covered

Every policy is different. Read the policy wording and check the limits carefully before you purchase – and if you're not sure about anything, ask your insurer for more information.

Travel insurance covers the belongings you take away with you. Your policy will usually have a total limit for all your belongings, and individual limits for valuable items like computers and jewellery.

If you're taking items that are worth more than the limits, you can usually choose to pay extra to increase the cover on these items if you want to. Check with your insurer.

If you need to make a claim, the insurer can usually choose to:

• replace the item
• repair the item, or
• pay you the value of the item in cash.

If your baggage goes missing or an item is stolen, report it to the authorities and contact your insurer straight away. Check your policy wording for any time limits – for example, you may need to contact the police within 24 hours of a theft.

Cover specific to international travel

New Zealanders are entitled to free emergency medical care in the UK and Australia.

Medical care and expenses

Pre-existing conditions.

Pre-existing illnesses or injuries are not usually covered by travel insurance.

Some insurers have a list of pre-existing conditions that they automatically cover. If your condition is not on the list, you may still be able to add cover for an extra fee – talk to your insurer to find out more.

Medical expenses

Travel insurance covers the cost of treatment if you're injured or get sick while you're away. It may also pay to get you home if you're unable to continue your trip. Check your policy to find out what you're covered for and when – a comprehensive policy will give you more cover than a basic one.

Dental treatment

Travel insurance usually only covers dental treatment for repairs or pain relief if you injure healthy teeth.

If you're injured in an accident overseas, ACC may be able to help with treatment costs once you're back in New Zealand.

If you're a New Zealander injured overseas (external link) — ACC

Personal liability

Personal liability covers you for accidental damages (and any related legal expenses) incurred while you're overseas. Personal liability cover usually only comes with comprehensive travel insurance policies – check your policy to find out what you're covered for and up to what amount.

You won't be covered if you were found to have committed the damage:

• on purpose, or
• recklessly – including if you were under the influence of alcohol or drugs.

Personal liability doesn't cover you for motor vehicle crashes – including for scooters or mopeds over a certain capacity (often 200cc). You'll need separate insurance for any vehicles you rent. (Some policies may cover the rental insurance excess, though.

What's not covered?

You're not covered:

• if you just change your mind about wanting to travel – even if there's been an act of war or terrorism at your destination, unless a 'do not travel' advisory has been issued
• for medical expenses related to Covid-19 if you get it either in a destination that has a 'do not travel' advisory issued because of COVID-19 risks, or you haven't followed the vaccination and testing requirements of the airlines you're flying with and the countries you're visiting
• for elective medical or dental treatment (treatment you choose to have, rather than treatment you need)
• if an accident happens while you're under the influence of alcohol or drugs.

If you're staying in an AirBnB or holiday home rather than a hotel, check your policy wording – some insurers won't cover you for any accidental damage you cause while you're there.

Most comprehensive policies cover non-refundable travel and accommodation costs if something happens (like an illness or accident) that means you need to cancel or cut your trip short.

Your policy may also provide cover for alternative transport or extra costs if you have an unavoidable delay – for example a cancelled flight or missed connection.

Check your policy for the details and conditions that apply to you – for example, you may not be covered if your trip has to be cancelled due to a natural disaster.

Making a claim

• Call your insurer as soon as you can if you need to make a claim – you may need to get big expenses like hospital bills pre-approved.
• If you've lost belongings or they've been stolen, report the loss to police straight away. Insurers often require paperwork to show you've done this within a set time – check your policy.
• Keep all receipts and documents related to a claim so you can send them to the insurer. You can't claim for something if you don't have evidence.
• If your claim is declined, follow the steps below – especially if your claim falls into a grey area, for example whether or not you left your bags 'unattended'.

Steps to take to ensure your travel insurance claim is successful

Complain to your insurer.

Many people can sort out their problem directly. Your insurance company will have a complaints process, for example, if you're unhappy with the outcome of a claim, a different assessor will look at your case.

Tips when complaining:

• Be clear it's a complaint: To make sure your issue is dealt with following your insurer's internal complaints process.
• Stick to the facts: Explain the problem in detail and provide any evidence you have.
• Tell them what you want: Be clear what you expect to fix your concern.
• Take time out, if needed: If the conversation is getting heated or you need time to consider their response, call or email back another time.
• Take notes: Write down the date you formally complained. Insurers must acknowledge your complaint in 5 business days and respond to it in 10 business days. For your own records, it may be best to put your complaint in writing, especially if it is complicated.

Contact the insurer's dispute resolution scheme

All insurers must belong to a disputes scheme. Contact them:

• for guidance before talking to your insurer
• if you and your insurer are finding it hard to agree.

Their services are free.

Dispute resolution schemes are neutral — meaning they look at facts from both sides. They might help you and your insurer settle your complaint by talking it through, for example, with mediation. If this isn't possible, they will make a recommendation — sometimes calling on another expert, such as a loss adjustor, for extra advice.

Your insurer must act on whatever the scheme recommends. But you don't have to accept their recommendation if you don't agree. Speaking to a lawyer would be your next step if this were the case.

There are two dispute resolution schemes who look at insurance-related complaints:

• Financial Services Complaints Limited (FSCL) (external link)
• Insurance and Financial Services Ombudsman (IFSO) (external link)

Take it further

Commerce commission.

Report your insurer to the Commerce Commission if you think:

• you have been misled
• they have said something untrue, such as telling you the policy covered something it doesn't
• they have pressured you into taking out a policy you did not want.

The Commerce Commission can't investigate every complaint, or solve your individual problem. But they can warn or prosecute the business. Your information helps them assess which consumer issues are causing the greatest harm.

Make a complaint (external link) — Commerce Commission

Get support at any point from:

• Citizens Advice Bureau (CAB) — a free, independent service, run by volunteers. CAB can advise you on your consumer rights and obligations, in person, by phone, or online.
• Community Law Centre — offers free one-on-one legal advice to people with limited finances. The organisation has 24 community law centres throughout the country. You can find legal information and other resources on its website.

Find a CAB (external link) — Citizens Advice Bureau Our law centres (external link) — Community Law Centres

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

State Travel Insurance Reviews

State Travel have been helping New Zealanders with their insurance for more than 100 years, policies are available to all ages who are residents of New Zealand. Dependants under 21 years travel for free with parent or grandparent. They have 24/7 access to a team of experts with a global network of doctors, nurses and logistical staff. They are underwritten by Great Lakes Reinsurance (UK).

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State Travel Insurance FAQ

How many people can i include in my policy.

You can only buy a policy for 2 adults and up to 6 children online.

Am I covered if I go on a cruise?

Yes, you don’t even need to pick a cruise specific policy. Here’s a top tip: Even if you’re travelling in New Zealand waters you still need to pick pacific, not New Zealand or domestic.

Am I covered for skiing and my equipment?

Yes if you purchase a ski policy cover State will cover you to ski on-piste.

Can I pay to reduce or cancel my excess?

Yes you can choose between $0 - $250 excess.

Am I covered if my tour company collapses?

No, State doesn’t provide protection from insolvency.

I’m not a New Zealand resident- can I buy cover?

If you are a non-New Zealand resident visiting New Zealand, You can travel under Plan I, Area 9 - inbound NZ travel only.

What size moped or motorbike am I covered to ride overseas?

State will cover you for you to ride a bike, moped or scooter under 200cc and you must be wearing a helmet.

How long is their single trip cover for?

Can i extend my policy from overseas.

Having too much fun? No problem! You can extend your policy with from overseas, as long as your original policy has not expired.

Do they cover for my rental vehicle excess?

Yes, for up to $10,000 in their international plan 1 policy. 

Who underwrites them?

State Travel Insurance is underwritten by Great Lakes Reinsurance (UK) PLC trading as “Great Lakes New Zealand”. IAG New Zealand Limited (“IAG”), of which State is a business division, is not the insurer. IAG receives a commission for the issue of State-branded travel policies arranged through Cover-More (NZ) Limited (“Cover-More”). Cover-More administers the policy and acts on behalf of Great Lakes New Zealand. IAG does not guarantee Great Lakes New Zealand or Cover-More.

Where are they based?

Auckland  

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Our comparison is a free service that makes it easy for users to compare multiple quotes, saving both time and money. Our comparison ranks quotes according to price and is limited to those insurers that have agreed to participate on the site. CoverDirect NZ Limited does not hold a financial services licence. The comparison does not take your personal circumstances into account; as such, all information provided should be considered general and should not be considered as advice or a recommendation. Whilst we take all reasonable care when preparing this information, we do not warrant its accuracy. Pricing information is supplied by the insurance providers and ALL policy details should be verified with the before you purchase. This site links users to the website of the insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase. We do not issue insurance. Users purchase directly from the travel insurance provider.

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Take out travel insurance. Your policy should cover any activities you plan to undertake (from scuba diving to scooter riding), personal liability, medical treatment, emergency medical evacuation, and any pre-existing medical conditions. Even minor medical treatment can be very expensive overseas.

If you can’t afford travel insurance, you can’t afford to travel.

If you suffer an injury overseas and return to New Zealand, ACC may be able to help with treatment costs in New Zealand, but only if you intended to be overseas for less than six months. ACC is unable to cover expenses incurred overseas. Visit the ACC website  to learn more.

Consumer NZ travel insurance guide We have worked with Consumer NZ to help create a useful travel insurance guide for New Zealand travellers. 

The guide helps you navigate the sometimes complex world of travel insurance. It provides timely and useful information on policy types, insurance coverage, personal liability and how to make a successful insurance claim if you get into difficulty while travelling. 

To read Consumer NZ’s travel insurance guide, click here .

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Travel Insurance For New Zealand: A Guide

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Updated: Nov 3, 2023, 2:35pm

Table of Contents

New zealand travel insurance, do i need travel insurance for new zealand, what does travel insurance for new zealand cover, best travel insurance for new zealand, frequently asked questions (faqs).

New Zealand has long been a popular holiday destination for Australians, owing to its proximity across the ditch and its catalogue of tourism hot-spots. In fact, each year (prior to the pandemic), there were about 1.6 million Aussies travelling to New Zealand, whether for the snow or summer scenery, or to simply visit friends or family who live there.

That figure is slowly creeping back up since travel restrictions have eased, and, despite the rising cost of living, this year and next are set to be big years for Australians travelling both near and far.

And while keeping travel budgets down is front of mind for many, there is one thing you should never skimp on when it comes to holidays: travel insurance. It may be tempting to forego travel insurance when heading to a place as peaceful and laid-back as New Zealand, but as our guide outlines, it’s still vital.

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To take out a travel insurance policy for New Zealand, you may be able to select one that covers solely New Zealand specifically, one that covers Oceania, or a worldwide policy (that often excludes the US and Mexico due to healthcare costs).

There are also different types of policies that an individual can choose when travelling to New Zealand, which will depend on the duration of your trip and whether you are visiting more destinations than solely New Zealand.

There include:

• Single trip: for a one-off trip in the space of 12 months
• Annual multi-trip: for more than one trip in the space of 12 months
• Long-stay/backpacker: for an extended stay of 60 or 90 days or 12 or 18 months, and occasionally 24 months, depending on the provider.

Additionally, an annual multi-trip policy can work out more cost-effective than purchasing multiple single trip policies, but not always, so it can help to compare both types of policy.

Remember to check if a policy will only cover trips to New Zealand and Australia or worldwide destinations excluding the US and surrounding countries.

While travel insurance for New Zealand isn’t compulsory, it’s highly recommended. Good travel insurance will cover lost expenses should the policyholder need to cancel their trip due to an emergency, such as illness or bereavement. It will also pay out for damaged, lost or stolen baggage, as well as other items.

The total amount of baggage cover should reflect the value of all the belongings the policyholders are taking with them. There’s also usually a single item limit which dictates how much the policyholder can claim per item.

Another key component of travel insurance is medical-associated cover. According to Services Australia, the Reciprocal Health Care Agreement (RHCA) we have with New Zealand may cover some of your medical costs in the New Zealand public health system. However, certain emergencies may not be covered by this reciprocal agreement, especially if you are taking part in activities which are excluded from your insurance policy.

The New Zealand site also explains that while Australians are eligible for medical treatment in New Zealand, this does not preclude the need for insurance.

“As neither reciprocal agreement provides full coverage, travellers should hold comprehensive travel insurance, including health insurance,” the site notes.

In addition to coverage for medical and lost luggage, most policies for New Zealand cover travel delay and missed departures.

For those planning to take advantage of the country’s vast offering of adventure sports and activities, it is worth checking which are covered by a policy. As New Zealand is a popular snow destination, you will need to ensure that your policy covers snow sports if you wish to take part in these activities.

Often a policy covers around a hundred low-risk sports as standard. These include cricket, football and rugby. However, cover for bungee jumping (also popular in New Zealand) scuba diving and kite surfing among other higher risk activities, are likely to require an extra premium payment–just as snow activities would.

In any case, insurers usually only accept claims where the appropriate safety gear was worn, such as a helmet or harness. For activities such as scuba diving, policyholders will likely need to dive with a qualified instructor and follow official guidelines for any associated claims to be accepted.

What Does Travel Insurance Exclude?

Specific limitations and exclusions on cover differ between policies, but there are some common exclusions to bear in mind.

Most insurers will not accept ‘disinclination to travel’ (simply not wanting to travel) as a valid reason for a claim.

As stated previously, claims are often void if you have not followed the appropriate safety guidance and official guidelines for activities you participate in, even if the activities are covered.

Also, any claims arising from intoxication from drink or drugs, or disorderly behaviour, are likely to be rejected.

The best travel insurance for New Zealand will depend on your needs, such as whether you are taking part in snow sports or other adventure activities.

An easy way to compare travel insurance policies is to use an online comparison tool, or read through our pick of the leading travel insurance policies for Australians. Note that these are not location specific, so you will have to consider whether or not they include the extras you will require for your trip.

Related: Our Pick Of The Best Comprehensive Travel Insurance Providers In Australia

Does Air New Zealand offer travel insurance?

Yes, Air New Zealand offers travel insurance if your travel commences in Australia. There are certain inclusions and exclusions—as with any policy—but Air New Zealand does state that it covers for Covid-19. To read more about its policy, you can go online at the Air New Zealand website and read their terms and conditions.

Do Australian citizens need travel insurance in New Zealand?

Australian citizens are not required to have travel insurance in order to enter New Zealand and travel New Zealand. However, it is encouraged in order to have additional medical protections, and cover for things such as lost property or travel delays.

Will Australian health insurance cover me in New Zealand?

According to Services Australia, the Reciprocal Health Care Agreement (RHCA) we have with New Zealand may cover some of your medical costs in the New Zealand public health system. However, it is still highly encouraged that you purchase travel insurance so that you are protected for major medical events, sporting injuries or repatriation, as well as other benefits of travel insurance such as lost luggage and cancellation cover.

How do I get cover for snow sports in New Zealand?

To ensure you are covered for snow sports in New Zealand, you need to choose a travel insurance provider that includes snow cover within its base policy or as an optional add-on. It is most common for snow sports to be sold as an add-on, as the high-risk activity makes it more expensive than a policy without it would be.

To find policies that offer snow sports, you can read our pick of the best comprehensive travel insurance providers in Australia and then find quotes from each on their respective websites when choosing to include snow cover, if applicable.

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Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

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Canstar’s full travel insurance Star Ratings break down the best insurance providers and products for the following global holiday destinations, plus all destinations for senior travellers:

• Africa & Middle East
• Domestic Cruise
• Pacific Cruise
• Seniors – all destinations

Important information

• The Star Ratings in this table were awarded November 2023. The current features, rates and fees may be different to what was rated. The Star Rating shown is only one factor to take into account when considering a product. See our Ratings Methodology .
• The initial table display is sorted by Star Rating and then alphabetically by company.
• Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Canstar is not providing a recommendation for your individual circumstances.  See our Detailed Disclosure .
• Data in the table is updated from time to time to reflect product changes notified to us by product issuers. Check current product details and investment options with the product issuer. Consider the Product Disclosure Statement before making a purchase decision.
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What is travel insurance and why do you need it when you travel?

What is travel insurance?

Travel insurance is financial cover for emergencies, accidents or loss that might occur to you or your belongings while you are travelling either domestically or internationally.

Why do you need travel insurance?

The New Zealand government website SafeTravel recommends travel insurance for anyone taking a trip away from home, especially overseas.

If you don’t have travel insurance and you lose your luggage, have an accident, medical emergency, or legal incident, you could face huge bills.

Cancelled flights and hotel accommodation can leave you out of pocket by thousands of dollars, but medical expenses can be even worse. A health emergency overseas can end up costing hundreds of thousands of dollars.

However, if you have travel insurance, you can travel confidently knowing you can get financial help in an emergency.

What else should you do before you travel?

In addition to organising travel insurance, before you leave:

• If you are going overseas, visit the SafeTravel website’s Travel Advisories page to ascertain the current risks of travelling to your chosen destination. If a country is flagged with a “Do Not Travel” advisory, be aware that you may not be able to obtain insurance for the trip.
• Regardless of where you are going, register your plans with SafeTravel. Your details will be stored securely and only used to reach you in an emergency.
• Ensure you have all the relevant travel documentation to take with you on your trip, and that a trusted friend or relation in NZ has a copy, too.
• Record the contact details of the New Zealand Embassy in your country of destination – just in case you need it.

Types of travel insurance and what they cover

There are two types of travel insurance cover policies.

1. Domestic travel insurance

Domestic travel insurance policies usually cover you for events such as:

• Lost or stolen luggage or other items
• Cancelling your trip unexpectedly due to illness, accident, holiday leave being revoked, or a natural disaster at home or at your intended destination
• Rental vehicle excess you have to pay if you have an accident driving a hire car
• Legal liability: the vast majority of policies researched include coverage for legal liability. Don’t take this as an excuse to break the law, though – you may end up invalidating your policy!

Domestic travel insurance usually doesn’t cover you for:

• Medical cover. However, this is not a big problem because, as long as you’re in New Zealand, you can still access publicly funded health services or your private health insurance , if you have it
• Certain “hazardous pursuits”. If you’re doing dangerous activities on your holiday, such as skiing, scuba diving, bungee jumping or rock climbing, you need to disclose it on your application. However, even if you disclose it, you still might not be covered for an accident that happens because of that activity, as it may be excluded from the policy. Ensure you read your policy terms and conditions carefully

2. International travel insurance

International travel insurance policies usually cover you for events such as:

• Medical or dental emergency. Typical emergency medical cover will include hospital admission, emergency care and medical evacuation to another country’s hospital. If your medical situation is not an emergency, it is recommend you contact your insurer before you receive treatment, to check if it’s covered by your policy
• Repatriation if you fall sick overseas and need to be evacuated back to NZ for treatment. Or if tragedy strikes, repatriation covers the cost of flying your body and belongings back home to NZ. Some travel insurance policies also include a separate sum for funeral expenses
• Lost or stolen luggage, passport or other items. Replacing luggage and travel documents is the most common claim for travel insurance
• Legal liability if you break a local law and need a lawyer and/or interpreter. Ignorance of local law is no excuse in most countries, so make sure you check SafeTravel before you depart. For example, in some Muslim countries it is an offence to wear a bikini on a public beach. If you break a law on purpose, your travel insurance policy may not cover your legal fees

International travel insurance usually doesn’t cover you for:

• High-risk countries. Check the government’s SafeTravel website for the travel advisory status of your destination. Countries flagged with a “Do Not Travel” advisory may not be covered under your policy
• Risky behavior. Any injury or loss caused by you behaving recklessly while you were under the influence of alcohol or drugs can be excluded from cover. This doesn’t apply to medication prescribed to you by a doctor and taken as prescribed
• Pre-existing medical conditions. If you have experienced symptoms of a condition before travelling, even if the condition wasn’t diagnosed, medical expenses for it will generally not be covered. Read your policy’s terms and conditions carefully
• High-value items. Many policies have a dollar limit that you can claim for each item, which may not be as much as it costs to replace the item
• Notification period. Your policy may specify that you need to notify your insurer of an accident or event within a specified timeframe, such as 24 hours. It’s important to be aware of that notification period and to call your insurer as soon as you can, in the event of a potential claim
• Loss of items left unattended. Keep an eye on your belongings at all times. You might not be covered if you leave your wallet and keys wrapped in a towel on the beach, or hidden in a shared room, or even in your checked-in luggage
• Hazardous pursuits. Dangerous activities such as scuba diving, bungee jumping, rock climbing, off-piste skiing and hang-gliding are usually excluded, but they can often be added to your policy for an extra fee. Also be aware that riding a moped or motorcycle overseas might also not be covered, even if you are legally entitled to ride one in NZ

NB: No travel insurance policy will cover you for every single thing that might go wrong while you’re away, so it’s important to read your policy’s terms and conditions carefully to discover the full extent of your cover.

Travel insurance glossary of terms

• Accident : An unexpected, unforeseeable, or unusual event that was unintended and caused loss or harm while you are on a trip covered by your policy.
• Accommodation : Any type of dwelling or lodging that you pay a fee to stay in overnight.
• Additional expenses : Additional expenses for accommodation and transportation that occur because of events such as illness, natural disasters, loss of travel documents, and transport union strikes.
• Beneficiary : The person who would receive compensation from your insurance policy if you were to pass away during your travels.
• Benefits: What your insurance provider gives you according to the terms of your policy. Benefits can apply if you make a claim or they can apply if a certain event happens, e.g. during an emergency.
• Cancellation or amendment costs : The cost of cancelling, changing, or rearranging your journey because of unforeseen circumstances outside your control such as illness, accidents and extreme weather events.
• Claim: A request for your insurance provider to pay certain expenses back to you in accordance with your policy.
• Cover or coverage : The extent of protection given to you by your policy. If you are covered for an event, it means that you can claim back from your insurance provider a specified amount of expenses you incurred during that event.
• Current market value : The amount of money you could get for an item if you sold it in the current local market. This amount is based on the original cost, the current condition and age of the item, and what it could be sold for in its present state.
• Damage: Harm or injury to a person or property, resulting in the property losing value or not being able to be used properly.
• Disability : A physical or mental condition that restricts a person’s movements, senses or activities. A disadvantage or handicap, especially one imposed or recognised by the law.
• Emergency medical care : Medical care that is needed in an unexpected emergency. This does not include any type of regular medical care or foreseeable medical needs.
• Endorsement: Any special condition listed on your insurance policy as an extra reason for you to buy the policy.
• Excess: The excess is an amount that you pay instead of the insurer, e.g. “the first” $250 or $500 of a claim. Insurers usually have either a policy with different excess options that you choose between, or separate policies that each have a different excess amount. You can pay a lower premium if you have a higher excess, but you need to be sure that you could afford to pay the excess unexpectedly if you had to make a claim.
• Exclusions : Anything that is not covered by your policy. Common exclusions include travel to high-risk countries, dangerous activities such as bungee jumping, risky behaviour, such as taking alcohol or drugs, pre-existing medical conditions, and loss of items left unattended.
• Home: Your usual place of residence in New Zealand.
• Incidental:  Costs associated with an unexpected covered event, which are not directly related to the event.
• Inclusions: Any event, item or expense that is covered by your policy.
• Injury: Anything that physically harms you and occurs by accidental or violent means, which is covered by your policy.
• Journey: One of the terms insurers use to talk about the period you’re covered for, from the time you leave home until the time you return to your home. Also known as your trip, voyage, or travels.
• Limit/benefit limit: Policies have a limit on the amount of benefits you can claim per year or per journey.
• Luggage and personal effects: Personal items that you own or carry with you on a trip that is covered. This includes but is not limited to: suitcase or backpack, clothing, jewellery, computer or laptop, your phone and other portable electrical devices or equipment.
• Medically necessary: Medical treatment that is needed to preserve your health, is suitable to treat your symptoms, and can be safely provided in your current location. This does not include treatment or procedures that are performed in your current location because it is merely convenient.
• Natural disaster: An event caused by nature and not by any human activity, including earthquakes, storms, bushfires and floods.
• Overseas medical expenses: Expenses incurred overseas for ambulance transport, hospital admission, surgical nursing, and emergency dental treatment.
• Period of cover: The time your travel is covered by your policy.
• Personal liability cover: Cover for costs incurred for which you are legally liable. You are legally liable if your negligence causes loss or damage to someone else’s property. Personal liability also covers you for injury to a person who is not a member of your family or travelling party. Personal liability cover does not cover damage you caused deliberately or that breaks the law; damage caused by your business or your employee; your ownership or use of a vehicle, aircraft or watercraft; or you passing on an illness to someone else.
• Policy:  The travel insurance contract you have taken out with an insurance provider.
• Pre-existing condition: A medical condition that existed in any form before you signed up for the insurance policy, whether or not you had your symptoms examined by a health practitioner. Your policy may usually list a time limit for the condition to be pre-existing, e.g. you have seen a medical practitioner in the past 90 days before you started your journey, or you have been prescribed a medication within the past 60 days.
• Premium: The amount you pay your insurance provider for your travel insurance cover. Your premium must be paid on time for your travel to be covered.
• Reasonable: When associated with an expense or cost, “reasonable” refers to what is usual, needed, and matches the standards of your previously scheduled travel.
• Refund: Cash or company credit that can be given to you as reimbursement for your expenses, according to the terms of your policy.
• Rental car insurance excess : The excess charged if your hire car is damaged or stolen.
• Resumption of journey benefit : The benefit you receive if you claim the expense of resuming your travels. You can make a claim if you had to return to New Zealand suddenly due to a serious injury, illness, or the death of one of your relatives or business partners in New Zealand.
• Sudden illness or serious injury : Illness or injury that occurs during your period of cover and requires immediate treatment by a health practitioner.
• Travel delay : Scheduled transport that is delayed by over six hours. Scheduled transport can include plane flights, trains, trams, buses, ferries or cruises.
• Unforeseen: Any circumstance that is out of your control. This can include illness, accident, cancelled flights, or natural disasters.

Which travel insurance providers are assessed by Canstar's ratings?

Products from the following travel insurance providers were rated in Canstar’s 2023 Travel Insurance Star Ratings and Awards:

• 1Cover Direct Insurance
• AA Insurance
• Air New Zealand
• American Express
• Chubb Insurance
• Cover-More Travel Insurance
• House of Travel
• Southern Cross Travel Insurance
• World Nomads

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Visiting New Zealand

Cover while visiting new zealand.

Travel insurance is one of the best ways to protect yourself overseas. Whether you're holidaying, catching up with family or travelling for work, our Visiting New Zealand travel insurance can give you the freedom to enjoy your stay in New Zealand with confidence.

Why choose us?

At Southern Cross Travel Insurance, we've been providing great quality cover for people visiting New Zealand since 2003. Who better to protect you during your stay in New Zealand than one of the country's leading and most trusted travel insurers? Here are more reasons to choose us for your next trip:

1. We offer 24/7 emergency assistance

If the unexpected happens, we're here to help. Our emergency assistance team is available 24 hours a day, 7 days a week, so you can access help when you need it.

2. We go the extra mile

We’re committed to providing quality cover, which is why our Visiting New Zealand travel insurance policy includes emergency dental treatment and ancillary services like chiropractors and physiotherapy.

3.  We provide optional cover for some pre-existing medical conditions

Instead of incorporating pre-existing medical conditions into your base premium, which can result in higher premiums, we offer cover for some pre-existing medical conditions that you can choose to add-on to your policy. If you choose to add this cover, you will be charged an additional premium. We do not cover all pre-existing medical conditions. You can find a list of those that are included here .

4. We cover your children at no additional cost

We know how important it is to protect your children with quality travel insurance on your journey, which is why we can add them to your policy at no additional cost to your base premium.

5. We cover you  from start to finish

Our Visiting New Zealand travel insurance policy can cover you while you’re travelling to and from New Zealand, including transit stops, for up to five days.

6. We're based in New Zealand

Not only are we based in New Zealand, we’re 100% New Zealand owned. We’ve worked hard to become one of the country’s most trusted and knowledgeable travel insurers, and we’re proud to offer great quality cover for your visit to our home.

7. We offer cover for medical repatriation

Worst case scenarios are never nice to think about, but you can travel knowing your Visiting New Zealand travel insurance offers cover for medical repatriation.

8. Making a claim is easy

We know that making a claim can be confusing and frustrating, which is why we're committed to making it as stress-free and efficient as possible. If you need to make a claim, the easiest way is to register with My SCTI , where you can make and track a claim and manage your policy, all in one secure location. Alternatively, you can complete a claim form online . 

Need some help?

If you would like to get in touch, we’re here to help. If you have any questions regarding our Visiting New Zealand travel insurance, you can:

Call us from New Zealand: 0800 784 691 Call us from overseas: +64 9 9796597 Email us: [email protected]

Take the next step towards your journey in New Zealand and get an online travel insurance quote today .

What you need to know

This page provides a summary of the key terms only. As with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the travel insurance Policy Document .

STATE Travel Insurance

About – STATE Travel Insurance

At State we’ve been helping New Zealanders with their insurance for more than 100 years. Today, State is providing travel insurance in New Zealand for those travelling for business or leisure. We manage over a million policies for more than 460,000 Kiwis. In that time, we’ve worked hard to build up a pretty good understanding of New Zealanders’ insurance needs.

We mirror our client’s values, innovation and customer focused service is driven by State by applying state-of-the-art methods in our business performance in order to extract maximum return on investment for both shareholders and clients. Our passion for people will ensure we address every element of your vision in our travel insurance services to you. We invite you to create an insurance solution that ensure your travel budget goes further through cost savings, quality service, convenience and expert support.

Let us pave the way to better living, and safer travel. We take the frustration of financial needs to a whole new level with our approach to looking after your best interests.

Services – STATE Travel Insurance

At State we care about the well-being of our business customers’ business and want to make sure you have the right cover in place - and we’ve been insuring Kiwis for over 100 years. State now offers travel insurance in New Zealand. In addition to the cost saving benefit, we will provide electronic claim forms to the travellers when required.

Travellers complete these forms and attach all relevant receipts and foreign expenditure documents, returning these to us. Travel insurance has become a necessary commodity for those who travel for business or pleasure. This can often be forgotten in the midst of excitement when planning a holiday. We have made your travel insurance easier and simpler to get. With a very simple application process, you and your family can be covered for your time away. The last thing you need is the hassle and burden of dealing with any kind of emergency whilst away on holiday.

Summary of Services

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What's on this page

Emergencies, common queries, find an insurer.

Travel insurance is cover you purchase for international trips, whether they’re for business or holidays. Most travel insurance provides protection for

• cancellation and loss of deposit
• medical treatment costs
• costs for returning home in certain emergencies
• loss of luggage and personal items
• personal liability (except for deliberate acts or use of motor vehicles).

Travel insurance consumer guide

Download our handy consumer guide with all you need to know about travel insurance., domestic travel insurance.

Travel insurance is also available when you travel around New Zealand. While medical events will be covered by ACC in New Zealand, domestic travel insurance will cover you for things like lost luggage, rental vehicle excesses, cancellations or delays, and personal liability. Travellers should be aware that domestic travel insurance generally doesn’t cover as much as an international policy would so you should read the policy carefully before taking out cover.

For an independent view on domestic travel insurance, check out  Consumer NZ’s  article ‘Domestic travel insurance – do you need it?’

Credit card travel insurance

Travel insurance is a common extra when you take out a credit card from your bank, but there are some things to be aware of:

• some policies might need to be activated before you travel
• there might be a limit on how long the policy will cover you for
• you might have to book a certain amount of your travel expenses on the credit card before the travel insurance becomes available
• cover may not automatically be available for pre-existing conditions. You will likely need to contact the insurer to ask about coverage for any pre-existing conditions and you may have to pay an extra premium to have them covered.

Credit card travel insurance may not be as comprehensive as some other travel insurance policies, so it pays to read the policy carefully and think about whether you need to take out any additional cover.

Shop around

Remember that not all travel policies are created equal – just as the premium of some policies costs more than others, some policies have wider cover than others.

If you have a pre-existing condition, are planning to engage in a sport or adventure activity while you’re away, are a non-resident, are pregnant, or are over the age of 65, it’s important to contact a number of insurers before purchasing your insurance. One insurer may have a policy that suits your individual circumstances better than another.

Find out more about travel insurance to cover:

• staying in an Airbnb
• non-residents
• pre-existing conditions
• renting cars
• sports and adventure activities

Buy before you fly

You cannot get travel insurance if you’ve already left the country. You should buy travel insurance when you book and pay for your overseas trip. That way you’re not only covered for your trip, but also if something happens before you depart.

Read your policy wording

Make sure you read the policy wording so you understand what you are and aren’t covered for. If there is anything you don’t understand, ask your insurer for an explanation or more information.

Some common exclusions

Like any other insurance policy, a travel insurance policy is unlikely to cover you for absolutely everything that could go wrong. The following list sets out some of the common exclusions in travel policies, but make sure to check your individual policy’s exclusions as each insurer is different:

• war and terrorism
• pandemic, epidemic or infectious diseases
• financial failure of an airline, travel agent or tour operator
• elective medical or dental treatment
• travel in international waters
• being under the influence of alcohol or drugs.

Disinclination

Travel insurance policies don’t cover ’disinclination to travel’. This means that if, for example, you choose not to travel because you think your destination looks unsafe, but there hasn’t been a travel advisory issued, you will not be covered for the costs you’ve lost.

International students and seasonal workers

While the general rule is that New Zealand insurers don’t provide travel insurance for non-residents, there are some exceptions. If you are a seasonal worker travelling to New Zealand for work (for example, to pick apples during the harvesting season), or if you are an international student coming to New Zealand to study, then you will be able to purchase travel insurance from some New Zealand insurers.

You may need to contact a number of different insurers as not everyone offers inbound student or seasonal worker insurance.

Feeling adventurous?

If you’re planning on taking part in any sport or adventurous activities on your trip, talk to your insurer and read your policy wording to check whether you are covered. In particular, you should check whether you are covered for:

• skiing, snowboarding or doing other winter sports
• scuba diving
• bungy jumping
• hang gliding
• water skiing
• motorcycling or using a scooter (in certain countries)
• taking some other form of extreme risk which might put you in danger.

Driving overseas

Travel insurance policies provide limited cover for vehicles hired overseas. If you have an accident, the cover provided by your travel policy will usually only pay either the excess by the rental car company or the vehicle repair costs, if those costs are less than the excess. To ensure that you have enough cover, you should buy comprehensive motor insurance from the rental vehicle company in the country you hire the car in. If you then have an accident, you will have to pay the rental vehicle directly and claim costs from your insurer.

High-value items

You need to tell your insurer if you are going to take, or are planning to buy, high-value items on your trip. Many travel insurance policies contain sub-limits on the value of items you can claim for (including electronics and jewellery).

If you’re unsure, ask your insurer what value or coverage limits your policy may have.

Check for travel advisories

Sometimes there will already be events happening in the area you’re planning to travel to, when you take out your insurance policy. These are called ’known events’ and are unlikely to be covered by your policy. For example, if a volcano erupts in the country you are travelling to, it’s unlikely that delays or cancellations caused by the eruption would be covered. When you are taking out your insurance, check to see if there are any current advisories which might affect your cover. In New Zealand you can check the government advisory website  www.safetravel.govt.nz  and trusted media sources – if there are warnings in the media about the place you are travelling to, your insurer may not cover you.

This is another reason why you should take out your insurance cover at the same time as booking your travel. That way your insurer is on risk if an event happens and your travel plans are disrupted before you’ve even left.

Keep your receipts

If you need to pay for something while you’re travelling that you plan to make a claim for (like a lost phone or stolen camera that you had to replace while you were still overseas) make sure you keep your receipts to make the claim process as smooth as possible.

You can still make a claim even if you haven’t managed to keep hold of the receipts, but it’s likely that you’ll need to provide proof of ownership of the lost or stolen item to your insurer.

Travel insurers provide free 24-hour emergency assistance. Keep the details of their emergency assistance provider with you at all times while travelling.

In the event of an emergency, you may need to contact them for medical treatment or advice.

New Zealand’s Ministry of Foreign Affairs and Trade runs a website that has up to date travel advisories for all countries on key issues like security and health. 

Before you travel, you must tell your insurer if you intend to travel to any countries that have a ‘Do not travel’ travel advisory status – as it may not be possible to get insurance cover for travel to countries with this status.

Visit  www.safetravel.govt.nz  to check your intended destination and any countries you’re stopping in or passing through.

While you’re on the website, you can also check out their travel insurance guidance.

Some circumstances may make travel insurance more difficult to find or mean you need to fulfil additional requirements in order to receive cover.

Most travel insurance policies don’t provide liability cover for damage to property you’re staying at (e.g. an Airbnb or hotel) while travelling. Generally,  the Airbnb host will hold sufficient insurance to cover them should a paying guest damage their property, but there is a chance that the host or their insurer could ask you for payment if you were responsible for the damage. This would not be covered by your travel insurance policy.

Some insurers only provide cover for New Zealand residents, so if you are a non-resident, you may need to contact a number of insurers before you are able to get cover. 

It’s important to tell your insurer if you’re already pregnant when you book your travel insurance, or if you fall pregnant before you leave. Most insurers offer cover for the first few months of pregnancy as long as there have not been any complications. The length of time each insurer will provide automatic cover for varies so talk to your insurer to be certain you’ll be covered. An insurer may also require you to have a medical assessment before providing cover.

If you become pregnant after taking out a travel insurance policy, contact your insurer as soon as possible to ensure you’ll still be covered for your travel.

Pre-existing conditions are medical conditions you already have or have previously had at the time you’re buying your insurance. They include symptoms you’ve asked a doctor about, even if you didn’t receive a formal diagnosis.

Pre-existing conditions are excluded from most insurers’ basic packages. Some insurers have automatic cover for certain pre-existing conditions and others may allow you to buy additional cover for pre-existing conditions, although not all insurers will be able to provide this service.

If you have a pre-existing condition, you should check your chosen insurer’s list of automatically covered pre-existing conditions. If your condition is not listed, you will need to speak to the insurer to find out if you can get cover. They may require you to get a medical certificate before providing cover.

It’s important to remember to declare all pre-existing conditions when taking out travel insurance otherwise you may not be covered under all or part of your policy.

Most travel policies do not provide cover for damage caused to a rental vehicle hired overseas. Nor do they cover damage caused to people or property while in control of a rented or borrowed vehicle.

Some policies will provide rental vehicle excess (RVE) insurance but this will only provide cover for the excess on damage to the vehicle that the insured person has to pay — it does not provide any cover for the repairs themselves or any personal liability the insured person has if an accident damages property or injures someone. If a travel policy offers RVE, the cover may only apply to renting cars through a registered care hire company.

If you drive overseas, it’s important to get appropriate motor vehicle insurance and personal liability cover through either a vehicle rental company or through a local insurer (if you are borrowing a friend or relative’s vehicle).

The level and types of cover available for senior citizens varies by insurer and may be affected by the age(s) of the traveller(s). In some instances, you may be required to fill out some forms to give the insurer information about your medical history.

To ensure that you will be covered and to find a policy that best meets your needs, you should contact an insurer directly.

Some insurers have a list of sports and activities they will automatically provide cover for, however, there are also a number they won’t cover. If you are unsure whether your intended sport or activity will be covered, you should contact your insurer to check.

If you are planning on doing any sort of sport or adventure activity while you are travelling, make sure to let your insurer know when you take out cover.

ICNZ is unable to provide personal or professional advice. The list of travel insurance providers below is included for your information. Any queries about the specifics of policies or cover should be directed to the insurer.

Other travel insurance may be available through your bank or credit card provider, as well as by contacting an insurance broker. 

You can download the Ministry of Foreign Affairs and Trade’s travel insurance guide from their Safe Travel website.

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Where are you going?

Select the area of travel in which you will spend most time. NOTE: If you are spending more than 20% of your trip time in the Americas or Antarctica, it is compulsory to select a destination in the Americas or select Antarctica for your policy.

Don’t currently know all the countries you’ll be visiting? You can select a region to obtain cover for all countries within that region. Important: Your policy will not provide cover for claims arising in countries that are subject to sanctions. Your safety is paramount, so please read and familiarise yourself with our “ World Events and Claim Advice ” and safetravel.govt.nz’s travel advice levels when undertaking worldwide travel – and before making any side trips to neighbouring countries – to ensure you have adequate cover.

Going on a cruise? Enter or select the country or region you will spend the most time in during your trip.

Want to come to New Zealand on our Inbound Plan? Select “New Zealand Inbound”.

When do you depart?

Enter the date you will leave your home to start your trip.

When do you return?

Enter the date you will arrive home based on NZST (considering any time differences/zones and travel times).

Duration of each trip?

Select the maximum trip duration that best suits your needs.

The maximum trip duration you select will apply to each separate trip you take during the 12-month period of your policy.

For cover to apply, you cannot take trips that exceed this maximum duration. If you make a claim related to a trip that exceeds this maximum duration, it may be declined.

The maximum trip duration you select will be shown on your Certificate of Insurance.

Age of each traveller?

Enter the age (as of today) of each adult and child to be included on the policy.

Protect Your Next Trip with Cover-More

Looking for Cover-More travel insurance online? Discover more about our coverage below.

Our Plans and Policy Types  

Our Top Benefits and Options

Our Cover-More travel insurance plans and policy types

International Comprehensive and Comprehensive+

Our best travel insurance plans for trips that take you across the globe.

International Basic

Our essential cover for overseas medical expenses, personal liability, and luggage insurance.

Inbound Travel Insurance

Our comprehensive international travel insurance for non-residents visiting New Zealand.

Domestic Comprehensive and Comprehensive+

Our best travel insurance plans for New Zealand residents taking short or long trips within New Zealand.

Domestic Basic

Our necessary protection for trips that take you anywhere in New Zealand.

Annual Multi-Trip

Our annual travel insurance offers the convenience of unlimited trips (up to the number of days per trip you choose) on the one policy.

Our top travel insurance benefits and cover options

Cancellation Cover

Spent your hard-earned savings on your holiday? You can choose the cancellation cover amount that suits you and your trip.

Cruise Travel Insurance

Travelling on a cruise? If you tell us you’re staying on a boat outside of the Territorial Sea of New Zealand for two or more nights, you’ll need our Cruise Cover to protect your boating trip.

Motorcycle/Moped Riding+ Cover

You can add additional motorcycle/moped travel insurance cover to your policy if you’re planning on driving or riding on one with engine capacity over 250cc while on holiday.

Snow Sports Cover

Our option to add travel insurance coverage for skiing, snowboarding, and snowmobiling is ideal for snow holidays.

Adventure Sports Cover

We automatically provide cover for over 80 adventure activities, plus our Adventure Activities Cover options can be added to include even more experiences.

Rental Vehicle Insurance Excess Cover

Planning on hiring a vehicle while you’re away? We can provide cover for your rental vehicle insurance excess in case of a mishap.

Luggage and Travel Documents Cover

Taking important items with you on holiday? We can help protect your valuables while you’re travelling.

Existing Medical Conditions

You can complete an online health assessment to confirm the appropriate travel insurance coverage for you.

Business Cover

Travelling for work? Our Comprehensive+ Plan can protect your business equipment, and provide cover for kidnap and ransom.

Want to know more? See our full range of travel insurance benefits .

How to choose the right Cover-More travel insurance for your trip

Our Cover-More travel insurance plans cover more of what’s important. However, each plan has different benefits and coverage conditions, so please consider your own needs carefully.

Our most comprehensive plans come with the benefits that are most important to you, including:

• Overseas medical expenses
• Overseas emergency dental expenses cover
• Luggage and travel documents cover
• Rental vehicle insurance excess
• 24-hour emergency assistance
• 21-day cooling-off period*

You can compare our Cover-More travel insurance plans side-by-side to find the level of cover and benefits that fit your budget and your journey. When you’re ready, you can get a quick quote online or call us on (0800) 500 225 to find a policy that best suits your needs.

Reminder: before you consider purchasing our travel insurance, please read the Policy Wording for our full policy details.

Ready to hit the road?

Find our best travel insurance coverage for you.

* Cooling-off period available when you cancel your policy within 21 days of purchase and you have not made a claim or departed on your journey.        ** You can find a full list of automatically covered conditions on the Policy Wording of your chosen policy.

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Financial Strength Rating

The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia), ("Hollard"), has been given a financial strength rating of A (Strong) issued by Standard and Poor's. View the full details on the  Financial Strength Rating .

An overseas policyholder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.

Financial advice

The New Zealand Automobile Association provides general information about AA Travel Insurance products and services so that you can make a choice that best meets your needs. Information provided does not take into account your personal circumstances, needs or goals and is not intended to be financial advice. If you'd like to receive financial advice, you can get professional advice from a registered financial adviser.

More information

Contact us Policy Wording Make a claim Terms and conditions AA Traveller Member Benefits

*AA Members can receive a 10% discount on AA Travel Insurance. Simply provide each traveller’s valid AA Membership number on application. Discount applies to AA Member cover premium, including any additional pre-existing cover, but does not apply to additional cover for high value items.

^All new policies taken out between 7am 13 May and 11:59pm 30 June 2024 will automatically be in the draw to win 1 of 3 $15,000 NZD cash prizes. See the full T&Cs  here .