![travel insurance compare prices nz travel insurance new zealand](https://www.travelinsurance.co.nz/assets/images/logo.png)
- Overseas Trip
- Domestic Trip
- Frequent Traveller
- Already Overseas
- Comprehensive
- Compare Plans
- Medical Conditions
- Ski Insurance
- Cruise Insurance
- Sports & Activities
- Manage Policy
- Policy Documents
- Make a Claim
- FAQs
- About Us
- Contact Us
- Travel Tips & Guides
- Travel Alerts
![](http://britannia.fun/777/templates/cheerup/res/banner1.gif)
COMPARE TRAVEL INSURANCE
Compare our travel insurance plans to see the full list of benefits.
COMPARE PLANS (Benefits are per adult)
Expand to see benefits in detail
- OVERSEAS EMERGENCY MEDICAL ASSISTANCE* 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements
- MEDICAL EXPENSES INCURRED OVERSEAS * Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.
- INLUDES DENTAL EXPENSES* Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth
- HOSPITAL CASH ALLOWANCE An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas
- ACCIDENTAL DEATH A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)
- PERMANENT DISABILITY* A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)
- Cancellation & Trip Disruption
- CANCELLATION FEES AND LOST DEPOSITS Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.
- ADDITIONAL ACCOMODATION & TRAVEL EXPENSES Covers the cost of additional travel and accommodation expenses incurred if you cannot continue on your journey because of an injury or sickness whilst overseas. (no excess applies)
- INCLUDES FAMILY EMERGENCY Cover for additional travel expenses such as your return flight to New Zealand if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies)
- INCLUDES EMERGENCY COMPANION COVER Additional accommodation and travel expenses you incur to remain with your travelling companion. (no excess applies)
- TRAVEL SERVICES PROVIDER INSOLVENCY Covers costs if you have to rearrange, cancel or cut short your journey due to insolvency of certain travel service providers.
- RESUMPTION OF JOURNEY* Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)
- DISTRUPTION OF JOURNEY* Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
- ALTERNATIVE TRANSPORT EXPENSES* Reasonable travel expenses incurred to reach special events such as weddings, funerals, conferences and sporting events on time following transport delays beyond your control. (no excess applies)
- Luggage & Personal Items
- LUGGAGE AND PERSONAL EFFECTS Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
- TRAVEL DOCUMENTS & CREDIT CARDS* Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
- THEFT OF CASH* Cover for cash, bank notes, currency notes, postal orders or money orders stolen from you during your journey.
- LUGGAGE & PERSONAL EFFECTS DELAY EXPENSES* Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)
- Personal Liability
- PERSONAL LIABILITY Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
- Rental Vehicle Excess
- RENTAL VEHICLE EXCESS Cover for the excess payable on your rental car's insurance in the event of accidental damage or theft during the car rental period.
- OVERSEAS MEDICAL EXPENSES* Hospital and medical expenses incurred overseas as a result of an injury arsing from an act of terrorism.
- CANCELLATION & REARRANGEMENT* Irrecoverable costs to cancel or rearrange your travel and accommodation following terrorist threats and a subsequent upgrade in travel advice for a planned travel destination directly affected. (no excess applies)
- EVACUATION & CURTAILMENT* Evacuation to the nearest place of safety and alternative accommodation and travel expenses for you to resume your journey or return to New Zealand.
- HIJACK AND KIDNAP* If you are kidnapped, or the aircraft or vessel you are travelling on is hijacked, we will pay for each 24-hour period that you are held captive.
- Loss of Income
- LOSS OF INCOME* Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to New Zealand. (no excess applies)
- $10 Million
Comprehensive
Comprehensive plus.
![travel insurance compare prices nz travel insurance compare prices nz](https://www.travelinsurance.co.nz/assets/images/bene_icon_down_white.png)
- OVERSEAS EMERGENCY MEDICAL ASSISTANCE^
- MEDICAL EXPENSES INCURRED OVERSEAS ^
- INLUDES DENTAL EXPENSES^
- HOSPITAL CASH ALLOWANCE
- ACCIDENTAL DEATH
- PERMANENT DISABILITY^
- CANCELLATION FEES AND LOST DEPOSITS
- ADDITIONAL ACCOMODATION & TRAVEL EXPENSES
- INCLUDES FAMILY EMERGENCY
- INCLUDES EMERGENCY COMPANION COVER
- TRAVEL SERVICES PROVIDER INSOLVENCY
- RESUMPTION OF JOURNEY^
- DISTRUPTION OF JOURNEY^
- ALTERNATIVE TRANSPORT EXPENSES^
- LUGGAGE AND PERSONAL EFFECTS
- TRAVEL DOCUMENTS & CREDIT CARDS
- THEFT OF CASH^
- LUGGAGE & PERSONAL EFFECTS DELAY EXPENSES^
- PERSONAL LIABILITY
- RENTAL VEHICLE EXCESS
- OVERSEAS MEDICAL EXPENSES
- REARRANGEMENT OR REPATRIATION
- HIJACK AND KIDNAP^
- LOSS OF INCOME^
If you claim for the same or similar services/facilities under Sections 6, 7, 7A and/or 7B, we will only pay the higher of the two amounts, not both. Sub-limits may apply, please refer to the relevant sections in the Policy Wording. * means that the benefit is not covered while travelling in New Zealand.
FREQUENT TRAVELLER TRAVEL INSURANCE
Get comprehensive cover all year round. If you’re planning several trips this year a frequent traveller policy can save you time and money.
![travel insurance compare prices nz travel insurance compare prices nz](https://www.travelinsurance.co.nz/assets/images/TINZ-Annual-icon-1.png)
Our annual multi-trip policy covers an unlimited number of trips over a 12 month period. We give you the same level of cover as our comprehensive plus international plan, meaning you get to cover less. You can choose your trip duration from 15 days or 30 days.
Because life’s a trip
![travel insurance compare prices nz nz-foreign-affairs](https://www.travelinsurance.co.nz/assets/images/new-zealand-foreign-affairs-and-trade.png)
Before You Buy
Top searches, popular destinations, customer rating.
![travel insurance compare prices nz Customer star review](https://www.travelinsurance.co.nz/assets/images/2019/4-5-star-review.png)
About us | Contact us | Policy Wording | Privacy
You are using an outdated browser. Please upgrade your browser to improve your experience.
![travel insurance compare prices nz Feedback](https://www.ami.co.nz/images/feedback.png)
- 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
![travel insurance compare prices nz travel insurance compare prices nz](https://www.ami.co.nz/images/Doctor-world.png)
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
![travel insurance compare prices nz travel insurance compare prices nz](https://www.ami.co.nz/images/ico-Domestic-Cover-200x200.png)
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 insurance compare prices nz travel insurance compare prices nz](https://www.ami.co.nz/images/tavel.png)
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 insurance compare prices nz travel insurance compare prices nz](https://www.ami.co.nz/images/travel safety.png)
Travel safety
Find out more information about events that may affect you when you travel.
![travel insurance compare prices nz travel insurance compare prices nz](https://www.ami.co.nz/images/travel.png)
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.
- Accounts & cards
- Savings & Investment
- Transfer and exchange
- Credit cards
- Bank Accounts
- Personal loans
- Payday loans
- Business loans
- Unsecured loans
- Secured loans
- Short term loans
- Savings accounts
- Online brokers
- Trading platforms
- Money transfer
- Currency exchange
Fixed 1 year
Fixed 2 years
Fixed 5 years
All Mortgages
** FREE Mortgage Advice **
Compare KiwiSaver Funds
Find your fund
KiwiSaver basics
Get the most from KiwiSaver
Amex Cards - PROMO
Personal Loans
Car Finance
Secured Loans
Unsecured Loans
Business Loans
Money Exchange Calculator
Currency Exchange
Travel Money
Online Brokers
Trading Platforms
Home Loan Rates
Best Rates - June 2024
- - - - - - -
One Year Fixed
Two Year Fixed
Five Year Fixed
Variable Rate
All Home Loans
Mortgage Advisor
FREE Personalised Mortgage Review
Mortgage CASHBACK
First Time Buyer
Find your PERFECT Home Loan
Non Bank Lenders
What is a non-bank lender?
Basecorp Finance
First Mortgage Trust
Pepper Money
Property Buying
Type of Home Loan
Mortgage Health Check
Loan to Value Ratios
Mortgage Calculator
Case Studies
Refix or Refinance?
Refinance Case Study
Fixed Term Case Study
House Buying Tips
How Much Deposit Do You Need?
How To Reduce Your Mortgage
Insurance Advice
Car Insurance
Cheap Car Insurance
Car Insurance Deals
Contents Insurance
Home Insurance
Life Insurance
One Month FREE
Compare Car Insurance
Cove Insurance Review
Two Months FREE Life Insurance
Life Insurance Quote
How much Life Insurance do I need?
Compare Plans
Health Insurance
Health Insurance Quote
How much Health Insurance do I need?
Cashback & Deals
Two months FREE Life Insurance
Amex Card - 300 Bonus Airpoints
One Month FREE Car Insurance
KiwiSaver Advice
KiwiSaver Review
KiwiSaver Recommendations
Best Performing KiwiSaver
Share Trading
Introductory Guide to Share Trading
Up to NZ$80 cash BONUS & zero fees* promotion
Borrowing Advice
First Time Home Buying
Secured Loans vs Unsecured Loans
Calculators
Money Transfer
Retirement Calculator
Loan Calculator
Savings Calculator
Dreams Come True Calculator
Budget Calculator
Terms of Use
Privacy policy
Finance Blog
What is Money Compare?
42 Plans found
![travel insurance compare prices nz travel insurance compare prices nz](https://cdn.moneycompare.co.nz/assets/20240606084411043500/img/fb-i.png)
Essentials Plan
Cancellation cover
Lost/stolen documents cover
Lost/stolen luggage cover
Medical evacuation cover
Medical help cover
Travel delay cover
Online Quote
![travel insurance compare prices nz star](https://cdn.moneycompare.co.nz/assets/20240606084411043500/img/star-icon-green.png)
Options Plan
Online Quote Cover More provide COVID-19 Benefits on the Options Plan (both Single Trip and Annual Multi-Trip policies) to help you travel within New Zealand and overseas with greater confidence.
![travel insurance compare prices nz 1cover](https://cdn.moneycompare.co.nz/uploads/web/logo/1/E80tbTZ_atH5g-Hn0Gb_vaOJtNj_R4mu.png)
Already Overseas
![travel insurance compare prices nz DUinsure](https://cdn.moneycompare.co.nz/uploads/web/logo/1/1oTa7WLq-VGayPH9PoHgxP3wTxpTGN4S.png)
Comprehensive
![travel insurance compare prices nz Zoom](https://cdn.moneycompare.co.nz/uploads/web/logo/1/HugbpcHBJroWvYPM8xnx3OK603ZGyMmg.png)
Comprehensive Plus
- Your comparison list is empty. Please add some products to compare
Additional information
![travel insurance compare prices nz Canstar](https://www.canstar.co.nz/wp-content/themes/canstar/dist/images/logo.png)
- Travel Insurance
Canstar’s Best Value Travel Insurance NZ
Posted by Bruce Pitchers November 21, 2023
Holidays promise carefree relaxation away from work pressures and domestic chores. However, plenty of unforeseen events can ruin the best-laid vacation plans, from illness and accidents to the loss or theft of possessions.
If the worst does happen, a dream holiday can turn into a financial nightmare, especially if you’re left facing bills for medical treatments overseas or for life-saving repatriation. This is why ensuring you have adequate insurance cover before you jet off or sail away on your overseas adventure is a travel essential.
But trying to find the best insurance cover can be complicated. There’s no one-size-fits-all solution, as policy details and costs vary, depending on your age and choice of destination. And comparing different levels of cover and costs can be complicated.
But that’s where Canstar can help. As part of our mission to inform Kiwi consumers about the best financial products in the market, each year we analyse a wide range of travel insurance products and award the best providers our prestigious awards and Star Ratings for Outstanding Value Travel Insurance.
What are Canstar’s Travel Insurance Awards & Star Ratings?
Canstar’s Travel Insurance ratings score travel insurance providers and their products, and awards the best our prestigious 5-Star Ratings. Each insurance product is assessed and scored for its price and array of features.
For this year’s Travel Insurance Star Ratings, our expert research panel compared 44 travel insurance products from 18 providers across a range of different age profiles, including seniors. To be eligible for our ratings, each product had to meet certain basic requirements, including cover for:
- $1 million overseas medical and hospital cover per international traveller
- Repatriation and evacuation services
- Luggage and personal effects
- Cancellation fees and loss of deposit
For ease of comparison, the different insurance products are judged across six geographical regions and two cruise types:
- Africa & Middle East
- Tras-Tasman
- Domestic Cruise
- Pacific Cruise
Canstar’s Travel Insurance Awards
On the back of our Star Ratings research, we also award the best travel insurance providers and products our prestigious awards for Outstanding Value.
To be eligible for an Outstanding Value Award, insurance providers have to meet extra policy requirements. These include:
- 24-hour emergency helpline
- Period of cover automatically extends if a medical claim requires traveller to remain overseas for treatment
- $5 million or more family overseas medical and hospital cover
- $5 million or more family cover for repatriation and evacuation services
- Included cover claims arising from cruising holidays in domestic and international waters (cruise only)
- Availability to travellers aged over 70 (senior only)
- Covers cancellation and medical claims arising from COVID-19 related events (domestic cruise only)
![travel insurance compare prices nz](https://www.canstar.co.nz/wp-content/uploads/2023/11/Canstar-Outstanding-Value-Travel-Insurance-2023-279x300.png)
Canstar’s Outstanding Value Travel Insurance Award Winners 2023
This year, four providers earn Canstar’s Outstanding Value Travel Insurance Awards, across our four award categories.
![travel insurance compare prices nz](https://www.canstar.co.nz/wp-content/uploads/2023/11/CANSTAR-2023-Outstanding-Value-International-Travel-Insurance-OL-279x300.png)
Outstanding Value: International Travel Insurance
House of travel, southern cross travel insurance.
![travel insurance compare prices nz](https://www.canstar.co.nz/wp-content/uploads/2023/11/CANSTAR-2023-Outstanding-Value-Trans-Tasman-Travel-Insurance-OL-279x300.png)
Outstanding Value: Trans-Tasman Travel Insurance
![travel insurance compare prices nz](https://www.canstar.co.nz/wp-content/uploads/2023/11/CANSTAR-2023-Outstanding-Value-South-Pacific-Cruise-Travel-Insurance-OL-279x300.png)
Outstanding Value: South Pacific Cruise Travel Insurance
![travel insurance compare prices nz](https://www.canstar.co.nz/wp-content/uploads/2023/11/CANSTAR-2023-Outstanding-Value-Travel-Insurance-Seniors-OL-279x300.png)
Outstanding Value: Seniors Travel Insurance
![travel insurance compare prices nz](https://www.canstar.co.nz/wp-content/uploads/2022/02/blue_small_AMPIN_logo.png)
This is the second year in a row that AMP has earned an Outstanding Value | Seniors Travel Insurance Award . Our awards panel notes that AMP has achieved its back-to-back awards due to its consistently strong performance across all overseas regions, which is due to its competitive premiums for older travellers and above-average feature scores.
House of Travel once again earns three Outstanding Value Awards, in our International , South Pacific Cruise and Trans-Tasman travel insurance profiles. The insurer’s performance continues to be driven by its competitive pricings, as well as its high levels of cover.
This year, Southern Cross wins two Outstanding Value Awards, in our International and Seniors profiles. Our research panel notes that Southern Cross Travel Insurance performs particularly well in senior profiles due to its competitive premiums for older travellers. However, premium increases across the brand’s cruise insurances did see them miss out on our South Pacific Cruise Award this year.
![travel insurance compare prices nz Tower Car Insurance](https://www.canstar.co.nz/wp-content/uploads/2021/09/NEW-TOWER-LOGO-300x117.jpg)
A newcomer to Canstar’s Travel Insurance Awards, Tower joins our Outstanding Value Awards recipients in the International , South Pacific Cruise and Trans-Tasman profiles this year due to its increased price performance and comprehensive policy offerings.
![travel insurance compare prices nz](https://www.canstar.co.nz/wp-content/uploads/2023/11/Canstar-Outstanding-Value-Travel-Insurance-2023-279x300.png)
For the second consecutive year, Worldcare is the only travel insurance provider to earn an Outstanding Value Award across all award profiles.
This is due to Worldcare’s consistently competitive prices and strong range of policy features across all regions and age profiles.
In awarding Worldcare, our research panel noted the insurance brand’s exceptionally strong price performance and levels of cover in both the Trans-Tasman and South Pacific Cruise profiles.
To find out more about the best travel insurance in New Zealand, check out Canstar’s full 2023 travel insurance ratings report.
Compare Travel Insurance with Canstar
About the author of this page
This report was written by Canstar’s Editor, Bruce Pitchers. Bruce has three decades’ experience as a journalist and has worked for major media companies in the UK and Australasia, including ACP, Bauer Media Group, Fairfax, Pacific Magazines, News Corp and TVNZ. Prior to Canstar, he worked as a freelancer, including for The Australian Financial Review , the NZ Financial Markets Authority, and for real estate companies on both sides of the Tasman.
Enjoy reading this article?
Sign up to receive more news like this straight to your inbox.
By subscribing you agree to the Canstar Privacy Policy
Share this article
Compare travel insurance.
Compare Outstanding Value Travel Insurance
Compare Travel Insurance By Destination
Outstanding Value Travel Insurance Awards
Can I Use My NZ Driver Licence in Australia?
![travel insurance compare prices nz Can I Use My NZ Driver's Licence in Australia?](https://www.canstar.co.nz/wp-content/uploads/2022/12/Untitled-design-2022-12-02T093208.988-340x204.png)
Wise: the Best Travel Money Card in New Zealand
![travel insurance compare prices nz](https://www.canstar.co.nz/wp-content/uploads/2023/07/Travel-Money-Cards-340x204.png)
How to Access Air New Zealand Airport Lounges
![travel insurance compare prices nz](https://www.canstar.co.nz/wp-content/uploads/2023/09/Airport-lounge-157089704-340x204.png)
Quick Links
- Travel Insurance Benefits COVID-19 Benefits International Domestic Comprehensive Cover Annual Cover Business Travel Health Insurance Inbound Compare Travel Insurance
- Travel Alerts Cover-More App
- Emergency Assistance
- travel_explore Not sure? See region list.
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.
Compare Our Best Travel Insurance Plans
![travel insurance compare prices nz Tourists looking at map in jungle | Compare travel insurance](https://www.covermore.co.nz/sites/cmau/files/untitled_design_13.jpg)
Are you heading off on a long-awaited break? Before you jet off, it’s important to consider protecting your trip with the right travel insurance for your needs.
You can compare our Cover-More travel insurance plans below to find the one that best fits your holiday, planned activities, and budget.
![travel insurance compare prices nz international icon for comparing our best travel insurance plans](https://www.covermore.co.nz/sites/cmau/files/premium_international.png)
Compare International Plans
![travel insurance compare prices nz luggage icon](https://www2.covermore.co.nz/sites/cmau/files/luggage_cover.png)
Compare Domestic Plans
We offer travel insurance plans for New Zealand residents looking for comprehensive or basic cover, as well as a Cover-More annual travel insurance plan.
Want to speak to someone? You can call our customer service team on (0800) 500 225 to discuss if our travel insurance plans. Otherwise, all purchased Cover-More travel insurance policies come with our 21-day cooling-off period**.
International travel insurance plans for New Zealand residents
Compare our plans below to find the most suitable plan for your overseas trip:
- International Basic : This plan is designed for travellers heading off overseas who want cover that helps protect against the essentials only. Only Single Trip policies are available on this plan.
- International Comprehensive : This travel insurance plan provides the benefits travellers want and much more, helping to keep you – and your belongings – safe while you’re overseas. This plan is available on both Single and Annual Multi-Trip policies.
- International Comprehensive+ : This is our best travel insurance plan for travellers looking for Cover-More’s most comprehensive international cover. It contains all our key benefits and highest coverage amounts for those travelling abroad. Both Single and Annual Multi-Trip policies are available on this plan.
Compare our International Cover-More Travel Insurance Plans
For full details on all the benefits and benefit amounts included in our international travel insurance plans, see the Policy Wording . It includes the terms and conditions, sub-limits and exclusions that you should consider before you purchase.
Are you an overseas resident looking for an inbound travel insurance plan for a trip to New Zealand? Our Inbound Plan may be suitable for you.
Want us to safeguard your overseas trip?
Find out how we can help keep you travelling more safely today.
![travel insurance compare prices nz Milford Sound, New Zealand](https://www.covermore.com.au/sites/cmau/files/milford-sound-new-zealand.webp)
Domestic travel insurance plans for travel within New Zealand
Compare our plans to discover which one is best for you while you explore your home country:
- Domestic Basic: This plan is our basic travel insurance option for local budget-conscious travellers who only want our Cover-More team to provide cover for the absolute essentials. This base-level cover option is available on Single Trip policies only.
- Domestic Comprehensive: This quality travel insurance plan provides local travellers with all the essential benefits plus a lot more, which can help provide much-needed assistance should an unexpected incident occur. Travellers can purchase this plan on a Single Trip or Annual Multi-Trip policy.
- Domestic Comprehensive+: This is our most comprehensive travel insurance plan for domestic travellers who want the top level of cover for their trip in New Zealand. This plan can be bought as either a Single Trip policy or an Annual Multi-Trip policy.
For full details on our domestic travel insurance plans – including the terms and conditions, sub-limits and exclusions – see the Policy Wording before you consider purchasing one of our Cover-More travel insurance policies.
Want us to cover your domestic trip?
Compare our plans to find the best travel insurance policy for you.
* Sub-limits apply. Please refer to the Policy Wording for full policy conditions. ** Cooling-off period is available if you cancel your policy within 21 days provided you have not made a claim or departed on your journey. ~ Cover will not exceed 12 months from onset of the illness, condition, or injury. ^ Cover chosen applies per policy. ^^ Conditions apply if you are aware of the pregnancy at the relevant time. For a single trip policy, relevant time means the time of issue of the policy and for an annual multi-trip policy for the first trip it means the time the policy was purchased. For any subsequent trips, the relevant time is the time the first payment was made towards that trip. † Liability collectively for Loss of Income, Disability and Accidental Death is $45,000 on the Comprehensive+ Plan and $30,000 on the Comprehensive Plan. • Item limit applies for any one item, set or pair of items including attached and unattached accessories. You may increase these items limits if you wish. See Policy Wording for full details.
![Couple Smiling Underwater travel insurance compare prices nz](https://www.state.co.nz/adobe/dynamicmedia/deliver/dm-aid--6611c882-b3df-4c7d-adb9-d01f3bb9e03d/lifestyle-people-underwater.png?preferwebp=true&quality=95)
Travel Insurance
Existing State customers get a 10% discount.*
Use Promo code: STATECUST
*Discount applies to existing State 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.
Important information: The Policy Wording includes specific information on how State Travel Insurance will respond to claims related to Covid-19.
A range of options for your domestic or overseas travel
![Pink Globe travel insurance compare prices nz](https://www.state.co.nz/adobe/dynamicmedia/deliver/dm-aid--44183d14-e801-4aa1-9f79-33b8056562e3/illustration-pink-globe.png?preferwebp=true&quality=95)
Overseas cover & annual multi-trip cover
Your back up when going across the ditch or further afield.
Our cover includes medical and dental expenses* loss or theft of luggage, delayed travel and more. You can also select cover for travel related expenses if you need to change or cancel your trip.
Travel a lot? Take out our annual multi-trip option and you’re covered for as many trips as you like, for 12 months.**
See https://safetravel.govt.nz/ for the latest government advice regarding overseas travel.
![Orange Suitcase travel insurance compare prices nz](https://www.state.co.nz/adobe/dynamicmedia/deliver/dm-aid--47339922-14ce-4884-9fd0-a3b9a4da7b18/illustration-orange-suitcase.png?preferwebp=true&quality=95)
Anywhere in NZ
Domestic cancellation.
Covers changes and cancellations outside of your control before you leave and extra expenses due to unforeseen circumstances while you're away. You choose the cover amount.
Domestic Plan
Comprehensive cover that also includes lost luggage, medical and dental expenses, and rental vehicle excess cover.
Inbound Cover Visiting NZ
If you are a non-resident visiting NZ our Inbound policy can cover medical and dental expenses, luggage and travel documents, rental vehicle insurance excess and personal liability.
![Orange Virus travel insurance compare prices nz](https://www.state.co.nz/adobe/dynamicmedia/deliver/dm-aid--31c5063f-82f4-4a2d-a3ae-5f8308609dcd/illustration-orange-virus.png?preferwebp=true&quality=95)
Travel Cover During Covid-19
Travelling Overseas? Check out our handy scenario-based FAQs explaining how we could cover you if Covid-19 plays havoc with your trip: State Travel Cover and Covid-19 FAQs
Know before you go – our Covid-19 Benefits Destination Guide explains how State Travel cover applies when travelling to different international destinations: Covid-19 Benefits Destination Guide
*Medical cover will not exceed 12 months from onset. 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 the Inbound Plan.
**For 12 months, over 100km from home, including domestic travel, up to maximum number of days per journey as selected by you.
Get more from your travel insurance
24-hour assistance.
24/7 access to a team of experts with a global network of doctors, nurses, and logistical staff. Cover for emergency accommodation and transport expenses if a disaster like a volcano, tsunami, earthquake, or flood disrupts your journey.
Overseas medical cover
Includes hospital, medical, surgical, emergency dental and ambulance costs. Plus help to arrange treatment and medical evacuation.
Get 10% off when you buy online
*Discount applies to existing State customers and to premiums for standard policies net of Government levies (if applicable) and GST. Discounts do not apply to premiums for cover additional to standard policies or to any minimum premium.
Quick online claims
You can claim online while you are travelling. Find out more
![2024 Travel Trusted Brand Award Logo travel insurance compare prices nz](https://www.state.co.nz/adobe/dynamicmedia/deliver/dm-aid--36721143-a27b-4b5f-a542-be5200cbd49c/logo-travel-trusted-brand-awards-2024.png?preferwebp=true&quality=95)
Award winning Travel Insurance
State is proud to be one of New Zealand’s most trusted brands for Travel Insurance.
Earn Flybuys™ on every policy you have with State. Don’t forget to register your Flybuys number with us, as we’ll also give you chances to get bonus Flybuys throughout the year too. Sweet.
The policy type you choose changes what you are covered for.
Select cover option:
International
Single Trip or Annual Multi-Trip
Limit per adult unless stated otherwise
Up to $1,500 for emergency dental expenses
Up to $1,000 per month
This is only a summary of the benefits provided. Please refer to the Policy Wordings for details of the cover provided.
Limit per adult
Up to $2,500 for personal vehicle insurance excess
Up to $250 per month
Single Trip
Limit per person
(choose the amount of cover that suits, on a per person basis)#
Not included
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. See the Policy Wording .
*Medical and dental expenses cover will not exceed 12 months from onset of the medical condition. 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 the Inbound plan.
^ Cover chosen applies per policy. See the Policy Wording .
• Item limits applies for anyone item, set or pair of items including attached or unattached accessories. You may increase these item limits if you wish. See the Policy Wording .
No cover for trip cancellation costs for trips commencing within 21 days of policy purchase date if you test positive to COVID-19 and cannot travel. If your COVID-19 related cancellation claim is approved, then the maximum we will pay per policy is $5,000 for international trips and $2,500 for Domestic trips. See the Policy Wording .
# You can choose $200, $400, $800, or $1,500.
~ The maximum liability collectively for Sections 14, 15, and 16 is $15,000 International Plan, and $10,000 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.
Our State Travel Insurance contains benefits relating to the Covid-19 pandemic. While your Policy Wording may respond, your claim remains subject to the terms and conditions, limitations and exclusions set out in the Policy Wording . Please ensure you familiarise yourself with these in the Policy Wording before taking out travel cover. For Covid-19 cover to apply, you must not travel to a destination on the "Do not travel" list issued by SafeTravel.govt.nz .
Domestic Policy FAQ's
Why buy state domestic cover.
Our Domestic and Domestic Cancellation plans are for New Zealand residents travelling within New Zealand.
More than one third of domestic travellers experience an unexpected circumstance that can leave them out of pocket.
It doesn’t matter if you are travelling to Auckland or Amsterdam, if your child becomes unwell and you need to cancel your trip, it’s good to know you’re covered.
Specific terms, conditions and exclusions apply to Covid-19. See our State Travel Policy Wording for full details.
Here are some examples of real-life stories
- An airline lost a customer’s suitcase and the items were not recoverable Luggage Value: $2,500
- A customer’s rental vehicle was written off after a third-party collision Rental Vehicle Insurance Excess: $4,000.
Here are some examples of types of claims
Medical claims*
- Sprained limbs or broken arm, leg, wrist due to outdoor activities
- Asthma, seizure, stroke, heart attack
- Swimmer's ear/ear infection.
*Pre-existing medical conditions must be declared, and extra cover purchased under Domestic Plan prior to departure
Your cancellation costs prior to travel
- Prepaid deposits on motorhome rentals, scenic train, or ferry tickets
- Prepaid fares for rail trips, adventure holidays and cruises
- Costs for cancellation due to redundancy, illness, injury, and medical operations.
Cancellation prior to departure will result in the loss of deposits paid and in other instances full cancellation fees often apply.
Delayed travel
- Travel delays due to weather e.g. snowstorms and fog delaying connecting flights.
Luggage claims
- Broken cameras, smartphones and electronic items
- Lost spectacles, hearing aids and damaged dentures.
What Domestic options are available?
We offer 3 Domestic plan options to choose from and these can be purchased quickly and easily on our website.
Domestic plan (Single Trip Policy or Annual Multi-Trip Policy)
Our Domestic plan (Single Trip Policy and Annual Multi-Trip Policy) is our most comprehensive domestic plan.
The Domestic plan Annual Multi-Trip Policy is sometimes a more suitable option for those travellers who are planning to travel more than twice this year and for no longer than 30 days at a time within New Zealand.
Domestic Cancellation plan Single Trip Policy
Our Domestic Cancellation plan covers domestic travellers for cancellation cover only and you choose the cancellation cover limit to best meet your needs when you purchase your policy.
What activities are covered?
There are plenty of fun activities to do around New Zealand year-round, and we have a comprehensive list of activities which are covered under our Domestic plans (excludes Domestic Cancellation Plan).
Our plans automatically include:
- Bungy Jumping
- Horse Riding
- Jet Boating
- Paragliding
- Parasailing
- Snorkelling
- White Water Rafting
Other activities may be covered as an add-on to your Domestic plan (excludes Domestic Cancellation plan). See our State Travel Policy for full details.
What cover is available for Skiing and Snowboarding?
Because being on the snow and participating in winter sports activities often increases the risk of injuries or incidents, you'll need to ensure you amend your Domestic plan (excludes Domestic Cancellation plan) to include snow activities like skiing and snowboarding by purchasing a winter cover (snow sports) upgrade. This can help protect you against unforeseen costs should you have a mishap on the slopes and need medical assistance. Sporting and ski equipment are not covered whilst in use and if you are a New Zealand citizen, ACC may cover some costs due to injury caused by an accident.
You will only be covered if you have purchased the Domestic Plan with the winter cover (snow sports) upgrade and:
- You are skiing, snowboarding or snowmobiling on-piste, or cross-country skiing;
- You are not participating in a Professional capacity; and
- You are not racing.
Note: sporting and ski equipment are not covered whilst in use.
What if I travel frequently in NZ, do you have a multi-trip option?
Multi-trip travel insurance may save you time and money. If you are planning to travel more than twice this year and for no longer than 30 days at a time within New Zealand, consider our Domestic Plan Annual Multi-Trip Policy.
Can you explain the rental vehicle insurance excess?
This benefit applies to our Domestic Plan (excludes Domestic Cancellation Plan) and covers the rental vehicle excess if your rental vehicle is stolen, or damaged while you are driving. You will still need to take out rental vehicle insurance.
A $4,000 rental vehicle excess cover can save you money if you need to make a claim.
Note: that your rental agreement may still require you to take out rental vehicle insurance.
If you are driving your personal vehicle on your domestic holiday there is bonus cover of $2,500 for your comprehensive vehicle insurance excess.
What does the medical cover provide for?
Our Domestic Plan D *(excludes Domestic Cancellation Plan) can provide you with cover for unexpected medical and dental expenses up to $1,500. This is for treatment provided in New Zealand.
It only applies up to 12 months from when you suffered a disabling injury, sickness, or disease. Travel insurance protects you from unforeseen events. Routine medical or dental treatments, prenatal visits and continuation of treatments are not covered.
What existing medical conditions are covered?
We automatically cover a range of existing medical conditions (EMC) under the Domestic plan (excludes Domestic Cancellation Plan). Automatically covered conditions include - asthma, epilepsy, gastric reflux and more! Read the State Travel Policy Wording for a full list of the conditions we automatically cover. If your existing medical conditions are not all automatically covered, you may complete an online medical assessment to determine if cover is available. Other travel insurance benefits unrelated to your EMC still apply, even if cover cannot be provided for your specific condition/s.
*Medical cover will not exceed 12 months from onset. 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 International or Inbound Plans.
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 have come up with a list of handy travel tips to help make your holiday even better.
Limits, sub-limits, conditions, and exclusions apply. Standard excess may apply. State 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 State Travel Policy Brochure and wording therein before deciding to buy this product. IAG receives a commission for the issue of State branded travel policies arranged through Cover-More (NZ) Limited ("Cover-More"). IAG New Zealand Limited ("IAG"), of which State is a business division, is not the insurer. IAG does not guarantee Zurich New Zealand or Cover-More.
![travel insurance compare prices nz Zoom travel insurance](https://www.zoomtravelinsurance.co.nz/img/interface/zoom-logo.png)
- Travel Insurance
- Domestic Trip
- Frequent Travellers
- Cruise Cover
- Ski Insurance
- Non Resident Cover
- Compare Plans
- Adventure Activities
- Medical Conditions
- Update Policy
- Policy Documents
- Make a Claim
- Travel Alerts
- Covid Cover
- Travel Tips
Zoom to Great Cover
![travel insurance compare prices nz travel insurance compare prices nz](https://www.zoomtravelinsurance.co.nz/img/interface/daterange-arrow.png)
TRAVEL ALERT: View the latest travel information that may affect your trip. See travel alerts
Travel alert: view travel updates on bali earthquake and my agung volcano, travel alert: learn more about kilauea eruption, hawaii, usa, travel alert: learn more about hong kong protests and closures, travel alert: learn more about coronavirus outbreak china, travel alert: learn more about typhoon faxai japan, travel alert: protests and rioting, chile chile protests and rioting, travel alert: measles outbreak, american samoa measles outbreak, pacific, travel alert: measles outbreak, samoa measles outbreak, pacific, travel alert: measles outbreak, pacific measles outbreak, pacific, travel alert: measles outbreak, tonga measles outbreak, pacific, travel alert: measles outbreak, fiji measles outbreak, pacific, compare travel insurance plans | zoom travel insurance.
Compare our travel insurance plans to find a policy for your upcoming holiday.
Medical Only
![travel insurance compare prices nz travel insurance compare prices nz](https://www.zoomtravelinsurance.co.nz/img/interface/arrow-white.png)
- Overseas Emergency Medical Assistance^ Unlimited
- 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
- Overseas Emergency Medical & Hospital Expenses^ Unlimited
- Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.
- Includes Dental Expenses (per person) $500
- Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
- Additional Expenses -
- Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas)
- Includes Family Emergency -
- Cover for additional travel expenses such as your return flight to New Zealand if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies)
- Includes Resumption of Journey -
- Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)
- Includes Emergency Companion Cover -
- Additional accommodation and travel expenses you incur to remain with your travelling companion. (no excess applies)
- Hospital Cash Allowance^^ -
- An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
- Accidental Death -
- A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)
- Permanent Disability^^ -
- A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)
- Loss of Income^^ -
- Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to New Zealand. (no excess applies)
- Cancellation Fees & Lost Deposits Unlimited
- Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.
- Alternative Transport Expenses -
- Reasonable travel expenses incurred to reach special events such as weddings, funerals, conferences and sporting events on time following transport delays beyond your control. (no excess applies)
- Travel Delay Expenses -
- Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
- Luggage & Personal Effects -
- Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets. Please note there is no cover for mobile phones or smartphones.
- Luggage & Personal Effects Delay Expenses^^ -
- Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)
- Travel Documents & Transaction Cards^^ -
- Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
- Theft of Cash^^ -
- Cover for cash, bank notes, currency notes, postal orders or money orders stolen from you during your journey.
- Personal Liability $2,500,000
- Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
- Rental Vehicle Insurance Excess Optional
- Cover for the excess payable on your rental car's insurance in the event of accidental damage or theft during the car rental period.
Note: Benefit limits shown are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller.
^^ There is no cover for these benefits while travelling in New Zealand.
Sub-limits apply to some sections. Please refer to the section titled Cover Benefits In Detail of this PDS for more information.
- Additional Expenses $30,000
- Includes Family Emergency Yes
- Includes Resumption of Journey $3,000
- Includes Emergency Companion Cover Yes
- Hospital Cash Allowance^^ $2,500
- Luggage & Personal Effects $5,000
- Travel Documents & Transaction Cards^^ $2,000
Comprehensive
MOST POPULAR
- Additional Expenses $50,000
- Hospital Cash Allowance^^ $5,000
- Accidental Death $25,000
- Permanent Disability^^ $25,000
- Loss of Income^^ $10,400
- Alternative Transport Expenses $5,000
- Travel Delay Expenses $2,000
- Luggage & Personal Effects $7,500
- Luggage & Personal Effects Delay Expenses^^ $250
- Travel Documents & Transaction Cards^^ $5,000
- Theft of Cash^^ $250
- Personal Liability $5,000,000
Sub-limits apply to some sections. Please refer to PDS for more information.
WHY BUY WITH ZOOM
![travel insurance compare prices nz Car Hire Excess](https://www.zoomtravelinsurance.co.nz/img/interface/money-saving.png)
Money Savings
Our prices are lower than some of our competitors. We'll also match any quote for equal cover with our price match guarantee.
![travel insurance compare prices nz Car Hire Excess](https://www.zoomtravelinsurance.co.nz/img/interface/cover-in-a-flash.png)
Cover In A Flash
We provide fast quotes and an easy buying process. Buy direct today to get immediate cover.
![travel insurance compare prices nz Car Hire Excess](https://www.zoomtravelinsurance.co.nz/img/interface/24-hour-service.png)
24 Hour Help
Our expert emergency assistance is available 24 hours a day, 7 days a week.
![travel insurance compare prices nz Car Hire Excess](https://www.zoomtravelinsurance.co.nz/img/interface/no-medical-screening.png)
Medical Screening
Get cover for your medical conditions when you travel. You can declare your pre-existing conditions in our online assessment.
![travel insurance compare prices nz money back guarntee](https://www.zoomtravelinsurance.co.nz/assets/upload/money-back-guarantee.jpg)
Money Back GuArantee
Our 14 days money back guarantee means you can cancel your policy and we'll give you a full refund.
![travel insurance compare prices nz Car Hire Excess](https://www.zoomtravelinsurance.co.nz/img/interface/easy-claims.png)
Easy Claims
We’ve kept our claims process simple and guarantee to access fully documented claims within 10 business days.
![travel insurance compare prices nz scooter](https://www.zoomtravelinsurance.co.nz/assets/upload/moped-cover.jpg)
RIDING A SCOOTER
At Zoom, you're covered to ride a motorbike or scooter of any engine size provided you are licensed to do so in New Zealand.
![travel insurance compare prices nz Car Hire Excess](https://www.zoomtravelinsurance.co.nz/img/interface/paece-of-mind.png)
Peace Of Mind
Our travel insurance plans are underwritten by HDI Global Specialty SE – New Zealand. A global company who provides a broad range of insurance solutions in more than 175 countries.
![travel insurance compare prices nz Zoom](https://www.zoomtravelinsurance.co.nz/img/interface/zoom-logo-reverse.png)
Zoom travel insurance offers simple, flexible travel insurance for maximum peace of mind no matter where you're zooming to.
Top Searches
Popular destinations.
- Compare Plans
- GoComprehensive
- Pre-existing Medical Conditions
- Policy Wordings
- About Worldcare Travel Insurance
- Financial Strength Rating
- Emergency Assistance
![travel insurance compare prices nz travel insurance compare prices nz](https://www.worldcare.co.nz/images/logo.png)
- Afghanistan
- American Samoa
- Antigua and Barbuda
- Asia (Excl Japan and South Korea)
- Asia (Incl Japan and South Korea)
- Baltic States
- Cayman Islands
- Cook Islands
- Cruise Asia
- Cruise Australia and NZ
- Cruise Europe
- Cruise Pacific Islands
- Cruise Worldwide
- Czech Republic
- Dominican Republic
- El Salvador
- Falkland Islands
- Ireland (Northern)
- Ireland (Republic)
- Marshall Islands
- Middle East (Excl. Kuwait and Lebanon)
- Netherlands
- New Caledonia
- New Zealand
- Norfolk Island
- North America
- Northern Mariana Islands
- Pacific Islands
- Papua New Guinea
- Philippines
- Puerto Rico
- Saudi Arabia
- Solomon Islands
- South Africa
- South America
- South Korea
- Switzerland
- Trinidad and Tobago
- Turkmenistan
- United Arab Emirates
- United Kingdom
- United States
- US Virgin Islands
- West Indies
![travel insurance compare prices nz travel insurance compare prices nz](https://www.worldcare.co.nz/images/close-window.png)
Compare Travel Insurance Plans
The table below sets out a summary only of the cover that is provided under each plan and the most we will pay in total for all claims under each section. Important - please note: a maximum total limit applies for all claims by all insured persons under certain sections and other limits, sub-limits, conditions and exclusions apply. Where used, 'unlimited' only means that there is no capped dollar sum insured. Terms, conditions, limits and exclusions apply as set out in your Policy Wording , particularly in sections 1a, 1,c, 1d, 1e, 1f, 1g, 1j, 2a, 2c, 2d, 2e, and 2f. Under Section 2 (MEDICAL BENEFITS), We will only pay for costs incurred within 12 month of the Illness or Injury. You do not have cover under certain sections of this policy while traveling in NEW ZEALAND. All costs and expenses claimed must be reasonable.
![travel insurance compare prices nz travel insurance compare prices nz](https://www.worldcare.co.nz/images/plus-blue.png)
Go Comprehensive
*Sub-limits apply - refer to your policy wording for details.
![travel insurance compare prices nz travel insurance compare prices nz](https://www.worldcare.co.nz/images/Allianz_Partners.png)
Worldcare Travel Insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia) ("Hollard"). You should consider the Policy Wording before making any decisions about your insurance policy. Terms, conditions, limits, sub-limits and exclusions apply.
The Hollard Insurance Company Pty Ltd has a financial strength rating of A (Strong) issued by Standard and Poor's. The Standard & Poor's rating scale is:
The rating may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. The rating scale above is in summary form. A full description of this rating scale can be obtained from www.standardandpoors.com . 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.
Allianz Partners website | Terms and Conditions | Privacy Policy .
![Allianz logo Allianz logo](https://www.worldcare.co.nz/images/allianz.png)
Travel Insurance Plans
Quick links.
- Travel Alerts
![travel insurance compare prices nz travel insurance compare prices nz](https://www.worldcare.co.nz/images/facebook.logo.png)
![travel insurance compare prices nz compare broadband providers nz](https://acquisitionlab.s3.ap-southeast-2.amazonaws.com/cms/2Xi3XfYpSpKh5oUzyZQh.png)
Compare the Best Travel Insurance Companies in NZ
Compare Quotes
![travel insurance compare prices nz columbus travel insurance nz](https://acquisitionlab.s3.ap-southeast-2.amazonaws.com/cms/v9ttmWU5S4uQLLgBIGIW.png)
Columbus Direct Travel Insurance
Columbus is among the b est international travel insurance companies and an award-winning insurance provider, that offers affordability and excellence in their policies. They’ve been offering cover for travellers for over 30 years, so you can be confident in their coverage for your trips!
![travel insurance compare prices nz southern cross travel insurance nz](https://acquisitionlab.s3.ap-southeast-2.amazonaws.com/cms/gUP1QKRShGCqRb1PKYRF.png)
Southern Cross Travel Insurance
Founded in 1982, Southern Cross is one of New Zealand’s oldest travel insurance companies. It has helped many Kiwis in their travel needs, especially offering excellent policies for overseas trips. It’s one of NZ’s most trusted brands, making it a very good pick for a travel policy.
Compare Quotes
![travel insurance compare prices nz chubb travel insurance nz](https://acquisitionlab.s3.ap-southeast-2.amazonaws.com/cms/i5SZjzHOSsmCpE5LzQOd.png)
Chubb Travel Insurance
Originating in Zurich, Switzerland, Chubb has grown into a worldwide insurance and security company that offers impressive travel insurance. Aside from travel, they also cover your belongings, health, and accommodations!
![travel insurance compare prices nz 1cover travel insurance nz](https://acquisitionlab.s3.ap-southeast-2.amazonaws.com/cms/Vt6sYJtRRGCTSXt5jfse.png)
1Cover Travel Insurance
Under 1Cover, you can adjust your travel insurance policy to get only the benefits you want. 1Cover is an expert for indulging in travel activities like cruises, skiing, and snowboarding. If that’s the type of activities you’re into, you can’t go wrong with 1Cover.
![travel insurance compare prices nz cigna travel insurance nz](https://acquisitionlab.s3.ap-southeast-2.amazonaws.com/cms/o8JxK1tXQK2APDrdBSXn.png)
Cigna Travel Insurance
While Cigna is better-known for their life and funeral cover, they also offer excellent travel insurance options, with claims up to $100,000 per person! They’re well-versed in travel health, ensuring your trips go as planned:
![travel insurance compare prices nz ami travel insurance nz](https://acquisitionlab.s3.ap-southeast-2.amazonaws.com/cms/zzQ24sARjauBBnHYJ7jw.png)
AMI Travel Insurance
With 91 years of experience, AMI has cemented itself as one of NZ’s premier insurance companies. Whether you’re looking for overseas, domestic, or even a policy for annual multi-trip covers, you can’t go wrong with cover from AMI.
![](http://britannia.fun/777/templates/cheerup/res/banner1.gif)
State Travel Insurance
State is a fantastic insurer while travelling around NZ. The whole process is easy, allowing you to find cost-effective deals with just a few clicks! Find some peace of mind while travelling anywhere in NZ with State Travel Insurance!
![travel insurance compare prices nz aa travel insurance nz](https://acquisitionlab.s3.ap-southeast-2.amazonaws.com/cms/mND9M7MTwOGfNibWRCig.png)
AA Travel Insurance
Providing insurance for over 25 years, the New Zealand Automobile Association has helped Kiwis in many different fields such as roadside assistance and vehicle licensing. AA Travel Insurance offers options for budget travellers, people looking for a more comprehensive cover, and even frequent flyers!
![travel insurance compare prices nz cover more travel insurance nz](https://acquisitionlab.s3.ap-southeast-2.amazonaws.com/cms/oqfRSfstRHyjTaZsBv1f.png)
Cover More Travel Insurance
Interested in finding good travel cover in just three easy steps? Try Cover More! Cover More has provided quality service to travellers for over 30 years. With benefits like travel delay help, rental car excess, and even luggage cover, they offer great deals for frequent travellers.
![travel insurance compare prices nz air new zealand](https://acquisitionlab.s3.ap-southeast-2.amazonaws.com/cms/cTjIQZhJQ3GtNCD759cQ.png)
Air New Zealand Travel Insurance
Founded in 1940 as New Zealand’s flag carrier airline, Air New Zealand has since diversified its offerings to include travel insurance. They’re partnered with Cover-More, allowing them to offer wider coverage in their services. Relax and know that should something go wrong, Air New Zealand has your back.
Shop around for the best best travel insurance companies in New Zealand with Glimp today!
Benefits of Travel Insurance:
Cancellation cover.
For when your trip gets cancelled due to unexpected circumstances. Learn More !
Travel and Luggage Insurance
Coverage for when your luggage is compromised during travel. Learn More !
Medical Cover while Travelling Overseas
Additional medical cover specifically for travelling to areas where your New Zealand health insurance doesn’t apply. Learn More !
Budget Car Rental Excess
This is for when you damage a rental car you’ve been using to get around abroad. Learn More !
Personal Liability
This is to protect you from legal liability in case you accidentally hurt someone or damage someone else’s property. Learn More !
![travel insurance compare prices nz blue door rural broadband nz](https://acquisitionlab.s3.ap-southeast-2.amazonaws.com/cms/2Xi3XfYpSpKh5oUzyZQh.png)
About glimp
Compare policies today and find the best deal from the different travel insurance companies in NZ! With thousands of Kiwis helped when it comes to utilities like broadband, power, gas, and even insurance, glimp is sure to have just the best options for you! Save time and effort by making the easy switch today! Compare your options in order to get the best cover for your next getaway!
Compare Travel Insurance with glimp today!
Stay confident with the right travel insurance with glimp.
![travel insurance compare prices nz travel insurance compare prices nz](https://www.glimp.co.nz/assets/google-rating-3d550da73015d4619d871361ff35a16af6f9290008b572d3db617236fd96fcb5.png)
Extremely helpful. Jordon found my the best priced electricity provider in my area. Frank Electric Power Company. They'll organize cut off from my present provider. So very helpful
[ps: They didn't get back to me and I DIDN'T ACCEPT THE 2Deg OFFER] :-( So far so good, thanks: But I am finding something missing within the 2Deg information about my mobile. I hope they get back to me soon so I can finally decide if I can accept the offer
I received a phone call to follow up my inquiry about electricity charges with different suppliers. I was fortunate to be speaking to Isack who was extremely helpful and patient. He explained how much I can save by switching and completed the process on the phone. I am very pleased with the service
Spoke to Isack in regards to the best power provider for our home. Found him extremely helpful and patient with my many questions. He explained the package clear and precise which I appreciated.
![travel insurance compare prices nz Compare Travel Insurance](https://www.comparetravelinsurance.co.nz/assets/interface/nz/logo.png)
- " id="mainPhoneNumber">
- Single Travel Insurance
- Annual Travel Insurance
- Cruise Travel Insurance
- Family Travel Insurance
- Seniors Travel Insurance
- Ski Travel Insurance
- NZ Travel Insurance
- Zoom Travel Insurance
- See more companies...
- Travel Insurance Guide
- Covid-19 Help
- Read Reviews
- Write a Review
Need Quotes?
Use our travel insurance comparision to help you save time, worry & loads of money!
![travel insurance compare prices nz arrow](https://www.comparetravelinsurance.co.nz/assets/interface/daterange-arrow.png)
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.
NZ Travel Insurance Reviews
![travel insurance compare prices nz NZ Travel Insurance reviews](https://www.comparetravelinsurance.co.nz/assets/insurers/nz/nz-travel-insurance-reviews.png)
NZ Travel Insurance is underwritten by Allianz Australia Insurance Limited to ensure all New Zealanders can enjoy a holiday knowing they have an affordable and comprehensive travel insurance policy to cover the unexpected. Policies available to all ages. Dependants under 21 years travel free with a parent or grandparent. Allianz Global Assistance team is available 24/7 for emergency assistance.
![travel insurance compare prices nz plus](https://www.comparetravelinsurance.co.nz/assets/interface/ico-plus-medium.png)
Customer Experience
Claims experience, value for money.
![travel insurance compare prices nz NZ Travel Insurance Logo](https://www.comparetravelinsurance.co.nz/assets/insurers/nz/nz-travel-insurance-logo.png)
Excellent service
Wouldn’t hesitate to use again met all expectations. Claim dealt with by empathetic staff with a real... Read more
Wouldn’t hesitate to use again met all expectations. Claim dealt with by empathetic staff with a real dedication I’m so happy
0 comment on this review
Your comment text is too long. Max is 700 characters including linebreaks.
Don't use these fella's. I brought insurance back in August and told by the NZ insurance experts they... Read more
Don't use these fella's. I brought insurance back in August and told by the NZ insurance experts they won't cover the virus as it's a general exclusion like a nuclear disaster. SCTI have the same clause but are covering if purchased prior to 28 January. Look around and find better options.
Don't use NZ Travel Insurance!
Was assured by two customer service people that I could claim on taxis and there would be no problems... Read more
Was assured by two customer service people that I could claim on taxis and there would be no problems at all and what do you know ... no payout for taxis and not even an explanation why just $0 on my claim. Very misleading. I wont use again.
![travel insurance compare prices nz check](https://www.comparetravelinsurance.co.nz/assets/interface/check-7ee0b306ed80c6491160532aceba75f8.png)
Good security feeling .
It all seemed ok thank you. I thought I should have an insurance cover since I booked flights, hotel ... Read more
It all seemed ok thank you. I thought I should have an insurance cover since I booked flights, hotel and show for two people 8 months in advance and thought anything could happen in between times and a lot of money would be wasted if we couldn't travel.
Refused to cover me when my passport was withheld and I missed my flight
They claimed I breached terms ‘travel documents must be in order’. Any right-thinking person would ex... Read more
They claimed I breached terms ‘travel documents must be in order’. Any right-thinking person would expect travel insurance to apply. Avoid!
Fast and honest
Had the need to make a claim for a hotel booking we were unable to utilise because of a diverted flig... Read more
Had the need to make a claim for a hotel booking we were unable to utilise because of a diverted flight - didn’t realise that the excess didn’t apply - so got a pleasant surprise when we were reimbursed the full amount and it was all done without drama and processed very quickly.
We had the best customer service, follow up and support when my husband had an accident in Bali. I wi... Read more
We had the best customer service, follow up and support when my husband had an accident in Bali. I will be forever grateful that I picked this insurance company who made sure in outback hard times things could run smoothly and get the best care we needed.
It was so easy to apply for Travel cover. A few simple Q's to answer. The claim process was also ... Read more
It was so easy to apply for Travel cover. A few simple Q's to answer. The claim process was also easy. Able to fill out the form online and email in. I received confirmation of my claim being received and fast response about my claim being accepted. Will use again in the future. Also very cheap - comparable to other providers.
Very clear and easy to follow
Our holiday was payed for right at the beginning all those months back. It was peace of mind right fr... Read more
Our holiday was payed for right at the beginning all those months back. It was peace of mind right from day one knowing that our airfares and accommodation was all covered for anything untoward that may have occurred beyond anyone control. The price was amazing for the whole package. Well done NZTI
![travel insurance compare prices nz back](https://www.comparetravelinsurance.co.nz/assets/interface/arrow-left.png)
NZ Travel Insurance FAQ
How many people can i include in my policy.
You can purchase a policy online for up to 10 adults.
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 Kiwi waters you still need to pick pacific, not New Zealand as your destination.
Am I covered for skiing and my equipment?
You're covered for $1,000,000 emergency rescue with their premier policy.
Can I pay to reduce or cancel my excess?
Call NZTI to enquire about excess removal.
What additional extras are there?
Replacement cover on baggage items less than two years old and rental vehicle excess.
Am I covered if my tour company collapses?
NZTI doesn’t provide protection from insolvency.
I’m not an New Zeland resident- can I buy cover?
No cover only available to New Zealand residents.
What size moped or motorbike am I covered to ride overseas?
NZTI will cover you for any engine size you ride as long as you’re insured to do so in New Zealand. Just make sure you get your International Drivers Permit (IDP) before you leave!
How long is their single trip cover for?
Can i extend my policy from overseas.
Having too much fun? No problems! You can extend your policy with NZTI for up to 6 months.
Do they cover for my rental vehicle excess?
Yep, you're covered up to $6,000 for reimbursement of the Rental Vehicle insurance Excess or the cost of repairing the vehicle, whichever is the lesser, if a vehicle you have rented from a rental company is involved in an accident while you are driving, or is damaged or stolen while in your custody. Cover excludes sedans, hatchbacks, station-wagon, four wheel drives, mini bus or any vehicle over 4.5 tonnes.
Do they offer pregnancy cover?
Expectant mums are covered up until 23 weeks.
Who underwrites them?
This insurance is issued and managed by Allianz Global Assistance New Zealand Limited Company No.1537730 and underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 (Incorporated in Australia) trading as Allianz New Zealand.
Where are they based?
Our travel insurance comparision helps you, save time, worry and loads of money.
Stay up to date with our latest news, deals and special offers.
Your privacy is important to us.
![travel insurance compare prices nz Comparetravelinsurance.co.nz](https://www.comparetravelinsurance.co.nz/assets/interface/nz/cti-logo-footer.png)
CoverDirect NZ Limited (INC 3526051) owns and operates this website.
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.
![travel insurance compare prices nz The New zealand Herald](https://www.comparetravelinsurance.co.nz/assets/interface/nz/media-partners/nz-herald.png)
Loading Quotes...
![travel insurance compare prices nz login top](https://www.comparetravelinsurance.co.nz/assets/interface/login-top.png)
Please login or register to continue. It'll only take a minute.
![travel insurance compare prices nz parrot](https://www.comparetravelinsurance.co.nz/assets/interface/nz/just-parrot.png)
Login with Facebook
Login with Google
![travel insurance compare prices nz divider](https://www.comparetravelinsurance.co.nz/assets/interface/fancy-divider.png)
- There was an error logging in, please try again.
Enter your email and password
- There was an error on your registration, please try again.
Don't you have an account?
Just checking you are a human
![travel insurance compare prices nz login bottom](https://www.comparetravelinsurance.co.nz/assets/interface/login-bottom.png)
- Best overall
- Best for cruises
- Best for reputation
- Best for preexisting conditions
- Best for digital nomads
- Best low-cost
- Best for road trips
- How we reviewed travel insurance companies
Ultimate Guide to Choosing the Best Travel Insurance in June 2024
Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.
Traveling is an adventure, a leap into the unknown, a story waiting to unfold. But every story needs a safety net, and that's where travel insurance comes in. In this guide to the best travel insurance, we'll embark on a journey to help you better understand travel insurance and uncover the benefits that make it an indispensable companion for any traveler.
Our Picks for the Best Travel Insurance Companies
Best overall: nationwide travel insurance.
- Runner-Up: AXA Assistance USA
- Best for Cruises: Travel Guard
- Best Reputation: C&F Travel Insured
- Best for Pre-existing Conditions: Tin Leg Travel Insurance
- Best for Digital Nomads: WorldTrips Travel Insurance
- Best Low-Cost Option: Trawick International Travel Insurance
Best for Road Trips: Travelex Travel Insurance
How we rate travel insurance »
Compare the Best Travel Insurance Companies
The best travel insurance companies offer comprehensive coverage options for a wide range of people and needs. For this guide, we looked at coverage options, customizability, and the best companies for specific situations, such as pre-existing conditions.
Here are Business Insider's picks for the best travel insurance companies in 2024.
- Trip cancellation coverage of up to 100% of trip costs (for cruises) or up to $30,000 (for single-trip plans)
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three cruise-specific plans to choose from
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel insurance plans available
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong trip cancellation coverage
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason coverage available
- con icon Two crossed lines that form an 'X'. CFAR insurance not available with every single plan
- con icon Two crossed lines that form an 'X'. Medical coverage is lower than what some competitors offer
Nationwide Travel Insurance offers many of the standard benefits you might see with a travel insurance policy. This can include things like trip cancellation coverage, so you can recover pre-paid costs or trip interruption in the event your vacation is interrupted by an unexpected event. There's also baggage delay coverage and medical coverage.
- Cancel for any reason coverage available
Nationwide Travel Insurance is of the largest players in the travel insurance space, offering nearly endless options for any customer on the travel spectrum, including annual travel insurance plans which can offer frequent travelers the flexibility to "set it and forget it" on their travel insurance coverage.
Nationwide Essential also offers some of the most affordable policies in the market compared to similar plans from competitors, which makes it a great pick for just about anyone. Buyers can discuss bundling options as Nationwide also sells homeowners, auto, pet, and other insurance products. Its travel insurance quoting is just as easy as it has been with other Nationwide insurance products.
Read our Nationwide Travel Insurance review here.
Best Travel Insurance Runner-Up: AXA Assistance USA
- Trip cancellation coverage of up to 100% of the trip cost
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
- con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
- con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%
AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.
- Silver, Gold, and Platinum plans available
- Trip interruption coverage of up to 150% of the trip cost
- Emergency medical coverage of up to $250,000
AXA Assistance USA offers consumers a great option for no-stress travel insurance: low-priced plans, generous coverage limits on key categories including primary insurance on lost luggage, and up to 150% reimbursement for qualifying trip cancellations.
While add-ons are limited and rental car coverage is not included by default on cheaper plans, AXA is a perfect fit for travelers who don't plan to drive (or who already hold a travel credit card with rental car coverage), and don't need any additional bells and whistles.
Read our AXA Assistance USA Travel Insurance review here.
Best for Cruises: AIG Travel Guard
Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans)
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
- con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors
Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.
- Trip cancellation coverage for up to 100% of the trip cost
- Trip interruption coverage for up to 150% of the trip cost
- Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
- Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available
Travel Guard is well-known insurance provider, and a great fit for travelers who want to ensure that they can get their money back in the event of canceled or interrupted travel plans.
While the company's policies can be pricey compared to its competitors, the high medical and evacuation limits make AIG a solid choice for older travelers who value peace of mind and simplicity over highly customizable plans that may be bolstered with medical upgrades.
Read our AIG Travel Guard review here.
Best for Reputation: C&F Travel Insured
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 2 major plans including CFAR coverage on the more expensive option
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancellation for job loss included as a covered reason for trip cancellation/interruption (does not require CFAR coverage to qualify)
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Frequent traveler reward included in both policies
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million in medical evacuation coverage available
- con icon Two crossed lines that form an 'X'. Medical coverage is only $100,000
- con icon Two crossed lines that form an 'X'. Reviews on claims processing indicate ongoing issues
- C&F's Travel Insured policies allow travelers customize travel insurance to fit their specific needs. Frequent travelers may benefit from purchasing an annual travel insurance plan, then adding on CFAR coverage for any portions of travel that may incur greater risk.
While every travel insurance company has negative reviews about its claims process, C&F Travel Insured 's claims process has a consistent stream of positive reviews. One customer wrote that C&F processed a claim within 48 hours. Additionally, C&F regularly responds to customer reviews within one business week, making reviews a consistent way to reach the company.
Additionally, in C&F's fine print, it mentions that any claims that take more than 30 days to pay out will begin to accrue interest at 9% APY.
C&F's reputation isn't the only thing to speak highly of. It offers an array of add-ons uncommon in the travel insurance industry, such as Interruption for Any Reason insurance and CFAR coverage for annual plans. C&F also offers discounts for children on its Protector Edge plan and free coverage on its Protector plan.
Read our C&F Travel Insured review here.
Best for Pre-Existing Conditions: Tin Leg Travel Insurance
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy coverage includes most pre-existing health conditions
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical and evacuation amounts for peace of mind
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. COVID coverage included by default on all insurance plans
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers a wide range of plans for various budgets and travel needs
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans offer CFAR, “cancel for work reasons,” financial default, and unemployment coverage
- con icon Two crossed lines that form an 'X'. Limited add-on coverage options
- con icon Two crossed lines that form an 'X'. Baggage loss and delay coverage is low compared to competitors
Tin Leg travel insurance offers eight travel insurance plans to meet the unique needs of travelers.
- Tin Leg was founded in 2014 by the travel insurance industry experts at Squaremouth. Designed to meet the most common needs of travelers, these policies offer comprehensive Trip Cancellation and Trip Interruption benefits, and a range of Emergency Medical and Medical Evacuation limits.
Tin Leg Travel Insurance is a great fit for travelers with medical issues in particular. Seven of Tin Leg's eight travel plans include coverage for pre-existing conditions as long as you purchase your policy within 15 days of your initial trip payment.
Thanks to coverage for pre-existing medical conditions as well as for potential COVID-19 infection while traveling, this company offers some of the best financial investment options for travelers who are or will be exposed to higher health risks and issues.
Read our Tin Leg Travel Insurance review here.
Best for Digital Nomads: WorldTrips Travel Insurance
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable base plans that can be customized with add-ons including rental car, pet care, hunting and fishing, and vacation rental coverage
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Insurance plans available for international student travelers
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage benefit that kicks in after just five hours
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Pre-existing conditions waiver can be purchased within 21 days of initial trip payment
- con icon Two crossed lines that form an 'X'. Lower medical, evacuation and accidental death limits
- con icon Two crossed lines that form an 'X'. Limited, secondary baggage loss coverage although baggage protection can be upgraded at a low cost
- con icon Two crossed lines that form an 'X'. No special coverages for pets, sports equipment, etc.
WorldTrips has been a reputable travel insurance provider for more than 20 years. Unsurprisingly, it boasts an A+ rating from the Better Business Bureau and positive reviews from thousands of customers.
- Travel medical insurance (Premium, Group, Annual, and International Student options)
- Trip cancellation insurance
- Trip protection insurance
WorldTrips Travel Insurance has affordable premiums, highly customizable add-ons, and generous coverage for core categories of travel insurance. All this makes it a great option for digital nomads, students studying abroad and backpackers.
However, travelers should keep in mind that plans are not particularly flexible, and coverage amounts are limited unless you plan ahead to pay for the areas and amounts that you need.
Read our WorldTrips Travel Insurance review here.
Best for Affordability: Trawick International Travel Insurance
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Useful for adventurous travelers headed to higher-risk destinations
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable plans with varying levels of coverage
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. 10-day free look option
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage loss replacement policy
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage kicks in after just six hours
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some policies allow a CFAR add-on
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1 million medical evacuation coverage limit
- con icon Two crossed lines that form an 'X'. Baggage and trip delay coverages don’t kick in until after the 12-hour mark
- con icon Two crossed lines that form an 'X'. International student policies available for temporary stints abroad
- con icon Two crossed lines that form an 'X'. Complaints about claims not being paid or involving an intermediary to resolve claims
Trawick International travel insurance offers plans customized to diverse travelers' needs. We look at coverage options, claims processing, pricing, and other important factors for savvy travelers.
- Travel medical insurance
- Trip protection and cancellation
- International student insurance
- Visitor medical insurance (for traveling to the US)
Trawick International Travel Insurance is another insurance provider with robust medical travel insurance that can help higher-risk and anxious travelers find peace of mind while on the road. This company offers one of the most generous medical evacuation policies in the market, although travelers will need to remember to add on rental car coverage if they need it.
Read our Trawick Travel Insurance review here.
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Options to cover sports equipment
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Option to increase medical coverage
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can cancel up to 48 hours before travel when CFAR option is purchased
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable coverage for budget-conscious travelers
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes generous baggage delay, loss and trip delay coverage
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Optional "adventure sports" bundle available for riskier activities
- con icon Two crossed lines that form an 'X'. Only two insurance plans to choose from
- con icon Two crossed lines that form an 'X'. Medical coverage maximum is low at up to $50,000 per person
- con icon Two crossed lines that form an 'X'. Pricier than some competitors with lower coverage ceilings
- con icon Two crossed lines that form an 'X'. Some competitors offer higher medical emergency coverage
Travelex travel insurance is one of the largest travel insurance providers in the US providing domestic and international coverage options. It offers a basic, select, and America option. Read on to learn more.
- Optional CFAR insurance available with the Travel Select plan
- Trip delay insurance starting at $500 with the Travel Basic plan
- Emergency medical and dental coverage starting at $15,000
Travelex Travel Insurance offers three plans:
- Travel Basic
- Travel Select
- Travel America
The Travelex America plan is meant for trips limited to the U.S., but it has the highest coverage limits in many areas compared to its other programs. If you're flying somewhere, the lost baggage limits are higher. Its natural strengths shine for road trippers, though. Travelex America adds coverage for roadside service and rental car coverage for unexpected accidents. It also covers pets should you be involved in an accident while on the road.
While your standard auto insurance does extend to car rentals within the U.S. for a limited time, any accident would affect future rates. Travelex would eliminate the risk of reporting to your auto insurance provider for minor incidents within its purview.
Read our Travelex Travel Insurance review here.
Introduction to Travel Insurance
Why travel insurance is a must-have.
The unpredictable nature of traveling – from flight cancellations to medical emergencies – can turn your dream vacation into a nightmare. Travel insurance acts as a personal safeguard, ensuring that unexpected events don't drain your wallet or ruin your trip.
Understanding Different Types of Travel Insurance
Not all travel insurance policies are created equal. From single-trip travel insurance policies to annual travel insurance plans , from minimal coverage to comprehensive protection, understanding the spectrum of options is your first step in finding the right fit for your journey.
Key Features to Look for in Travel Insurance Coverage
Travel insurance for medical emergencies.
Imagine falling ill in a foreign country; daunting, right? A robust travel insurance plan ensures you don't have to worry about how much emergency medical care while traveling will cost, even in the most remote corners of the globe. This coverage will often come in tandem with emergency medical evacuation coverage.
Trip Cancellation and Interruption Benefits
Life is full of surprises, some less pleasant than others. Trip cancellation and interruption coverage ensures that you're not left out of pocket if unforeseen circumstances force you to cancel or cut your trip short. You may also look for cancel for any reason and interruption for any reason options, which will reimburse you for a percentage of your nonrefundable fees, but expands the covered reasons you can cancel a trip. You can find our guide on the best CFAR travel insurance companies here.
Coverage for Personal Belongings and Baggage Loss
Losing your belongings is more than an inconvenience; it's losing a piece of your world. Insurance that covers personal belongings and baggage loss ensures that you're compensated for your loss, helping you to rebound and continue your adventure.
Support and Assistance Services
In times of trouble, having a lifeline can make all the difference. Look for insurance that offers 24/7 support and assistance services, giving you peace of mind that help is just a phone call away. Also, check websites that field customer reviews like Trustpilot, the Better Business Bureau, and InsureMyTrip , to see how well a company responds to customer requests.
Choosing the Best Travel Insurance
Reputation and reliability of the travel insurance provider.
A provider's reputation is not just about being well-known; it's about reliability, customer satisfaction, and the ability to deliver on promises. Researching and choosing a reputable provider is a cornerstone in ensuring your safety and satisfaction.
Understanding the Policy's Fine Print
The devil is in the details, and understanding the fine print of what your travel insurance policy covers is crucial. Be aware of coverage limits, exclusions, and the process for filing a claim to avoid any unpleasant surprises.
Customer Reviews and Feedback
In the age of information, customer reviews and feedback are goldmines of insight. Learn from the experiences of others to gauge the reliability and customer service of the insurance provider you're considering. While the ratings are important, you should also look at whether or not a company responds to customer complaints.
How to Get the Most Out of Your Travel Insurance
Knowing your policy inside out.
Familiarize yourself with every aspect of your policy – what it covers, what it doesn't, how to file a claim, and who to contact in an emergency. Being informed means being prepared.
Steps to Take When a Problem Arises
If you face an issue during your travels, knowing the immediate steps to take can make all the difference. Keep important contacts and your policy details handy, and remember, your insurance provider is there to assist you.
How to Pick the Best Travel Insurance Company for You
There isn't a one-size-fits-all policy that works perfectly for every traveler. Young, healthy solo travelers can opt for much cheaper plans that offer bare-bones coverage, while families juggling complex itineraries will do best by investing in a robust policy that can help defray any costs associated with lost baggage, delayed transportation or other trip-impeding obstacles.
That being said, you can't go wrong with a travel insurance provider that boasts a reputable history and offers a wide range of customizable plans. In some cases, you may be comparing plans that are only a few dollars' apart from each other. In such situations, you should generally opt for the insurance company that offers the strongest customer service. It's also worth considering whether or not the travel insurance provider has been reviewed by other travelers with similar itineraries to your own.
An insurance aggregator like InsureMyTrip or Squaremouth is one of the best tools for searching travel insurance policies. Once you input the specifics of your travel itinerary, you'll be able to see hundreds of search results to compare the ones that catch your eye. If the options are too overwhelming, use the filters to the left of your search page to eliminate as many irrelevant plans as possible.
How We Reviewed the Best Travel Insurance Companies
To come up with our list of the best travel insurance companies, we evaluated each insurer based on the following factors:
Guide Methodology: What We Considered
Policy Types
Travel insurance is essential, but often underused partly because people aren't getting what they want. Business Insider's 2023 travel study showed 10.65% of travelers surveyed bought cancel for any reason insurance. Cost may be a factor, but in many cases, the coverage is more affordable than you might think. Regardless, companies must offer a diverse range of coverage options. We award five stars to companies offering all standard coverages and additional options like pet and sports equipment protection.
Our 2023 travel study indicated the majority of purchases were made through the travel provider (ex: flight protection insurance when you're purchasing your airline tickets). While these may be sufficient for some customers, we look for companies offering a more comprehensive range of services.
According to the U.S. Travel Insurance Association, the average cost of travel insurance will be between 4% and 8% of total travel expenses. Anything beyond that price point should include additional benefits beyond the standard inclusions, such as CFAR protection or upgraded medical coverage. Anything below that 4% threshold may leave you lacking important or sufficient coverage in an emergency.
Convenience and Flexibility
Whether you're an infrequent traveler or a suitcase warrior, a good travel insurance company should have you covered. In many cases, you might not even have to talk to a person in order to purchase your policy.
Many people think of travel insurance in context with specific trips, but most of these top contenders sell both single-trip and multi-trip policies, also known as annual travel insurance. Some companies also offer plans specifically designed for cruisers, students abroad, and business travelers. (Read our guide to the best cruise travel insurance companies for more details.) Finally, all of these providers offer multiple options for getting the specific areas and amounts of coverage that you want.
Claims Handling
Most travelers never have a large claim. Premiums are low, and it provides peace of mind for the just in case situations. So they leave reviews based on their reduced stress levels. But what happens if you lose your luggage or have to stay a few extra days due to an unexpected accident? Will your insurance carrier cover your claim without all the hassle? We check real customer reviews to sort this out for you.
Ease of Use and Support
When purchasing, during your trip, and throughout the claims process, you may need extra support. Does the company have a 24/7 help line? Does it have an online or mobile system allowing you to self-manage? Essentially, what are the options when you need help? We look at the big picture to evaluate the average customer experience with each company.
You can read our full insurance rating methodology for even more details.
Best Travel Insurance FAQs
There isn't a one-size-fits-all solution for every traveler. Determine the benefits that are most important to you, like baggage delay coverage, medical coverage, and trip delay coverage, then look for a company with solid customer ratings, especially when it comes to processing claims.
Travel insurance will pay out if you experience a covered event, such as a travel delay or delayed or lost baggage. If you're looking to get travel insurance for a specific reason, such as needing to potentially cancel your trip due to work reasons, make sure your policy will cover you in that situation before purchasing it. You should also check customer reviews to see other travelers' claims experiences, as it varies wildly from company to company.
The average cost of travel insurance is 4% to 8% of your total trip cost, so it could vary widely depending on where you're traveling and the length of your trip. Your age, the number of people in your group, and other factors can also influence how much you'll pay.
Most comprehensive travel insurance policies include travel medical coverage that can come in handy if an emergency occurs and you need medical evacuation. Some travel insurance plans offer more specialized coverage for travelers with pre-existing conditions , so shop around if medical coverage is a top priority for you.
$100,000 should be a sufficient medical coverage limit for travel insurance. If you're planning on doing extreme sports or anything particularly risky on your trip, you may want to increase your coverage level. A high medical coverage limit is especially useful when you're purchasing cruise travel insurance, since medical evacuations are more involved at sea.
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
**Enrollment required.
![travel insurance compare prices nz travel insurance compare prices nz](https://www.businessinsider.com/public/assets/BI/US/logos/newsletters/insider-today-logo.png)
- Main content
![Southern Cross Travel Insurance SCTI Logo](https://www.scti.co.nz/-/media/project/scti/nz/logos/awards/scti-horizontal-logo_blue-rgb.png?h=50&iar=0&w=180&hash=06FE809801D8960CF008B0B1CDA09BA2)
Quick Links
- Cancel Policy
- Make a claim
![travel insurance compare prices nz travel insurance compare prices nz](https://www.scti.co.nz/-/media/project/scti/nz/images/banners/01-destinations/asia/rice-paddies-bali-1440x300.jpg)
How to compare travel insurance
When it comes to something as important as travel insurance, you should be confident that you’re protected by the level of cover you need. But not all travel insurance is made equal, and finding a policy to suit you can sometimes be a minefield of confusing jargon and lengthy T&Cs.
This guide to comparing travel insurance will outline the key things to look for in a policy, dive into how our insurance stacks up, and give you some tips on how to find the right cover for you, regardless of whether you're travelling internationally or domestically.
What is travel insurance?
Travel insurance is a contract between you and an insurance provider. The travel insurance company agrees to compensate you for the cost of unexpected events (e.g. if your luggage is lost overseas). To receive this cover, you must adhere to the terms and conditions of your policy (e.g. not leaving your luggage unattended).
Travel insurers provide cover for many types of unexpected events, like medical emergencies, natural disasters and lost luggage. The amount of compensation they agree to provide is usually different for each of these types of events, and is often called a ‘benefit limit’.
Why buy travel insurance?
From slips and trips to lost luggage, none of us are immune to unexpected events taking place when we're travelling. These unexpected events can end up costing you lots of money, especially if you’re travelling by plane, or your destination is overseas and has expensive medical care.
Some of our highest claims have come from unlucky overseas travellers who have required emergency medical care, with many of these medical bills reaching over $100,000. In fact, our highest claim of 2022 totalled over $1m! *
Travel insurance can give you peace of mind that you’re protected if the unexpected happens.
![travel insurance compare prices nz reasons to buy travel insurance](https://www.scti.co.nz/-/media/project/scti/nz/images/images-from-old-website/compare-travel-insurance-6.png)
Things covered by travel insurance
Different travel insurance policies offer different benefits. Our International Comprehensive policy can cover you for things like:
- Medical and evacuation
- Cancelling or changing your journey before you leave
- Lost or stolen items
- Bank cards, passport and travel documents
- Personal accident
- Personal liability
- Rental vehicle excess
- Cash allowance while in hospital
- Emergency dental treatment
- Overseas funeral expenses
- Changes to your journey once you have left
- Some COVID-19 events
![travel insurance compare prices nz things covered by travel insurance](https://www.scti.co.nz/-/media/project/scti/nz/images/images-from-old-website/compare-travel-insurance-7.png)
Staying local?
Domestic travel insurance covers you when you're travelling in New Zealand, whether it’s for a weekend city break or a month-long road trip to see the sights. Domestic insurance can provide cover for things like:
- Changed or cancelled plans
- Lost luggage and personal items
- Cover for your pets or booked childcare if your plans change
- Personal accidents and liability
Working overseas or taking more than one trip?
Everyone travels differently and you may have some requirements that are different to a standard international policy. If you’re planning to work overseas or you know you’ll be taking many trips within a year, the cover you need may be different, so its important to find a policy that suits your needs. Our Working Overseas or Annual Multi-trip policies may be great places to start when you're looking for cover in these situations.
How to compare travel insurance benefits
When you’re comparing travel insurance policies, it’s important to compare the benefit limits, sub-limits, excess and terms outlined in each benefit type. You can find this information in the insurer's policy document. This will help you to learn:
- What benefits you're covered for (e.g. medical expenses)
- The limits and any sublimits that apply to each benefit (e.g. how much you can claim up to)
- Any conditions or eligibility requirements that you need to meet in order to be able to submit a claim
- Any exclusions that apply to the cover.
What isn’t covered by travel insurance?
When comparing travel insurance policies, it’s important to take note of any exclusions to your cover. Travel insurers usually outline a list of general exclusions in their policy documents. For example, amongst other exclusions, you may not be covered if you’re:
- Breaking the law of the country that you're visiting
- Under the influence of alcohol or drugs
- Hitch-hiking
![travel insurance compare prices nz travel insurance exclusions](https://www.scti.co.nz/-/media/project/scti/nz/images/images-from-old-website/compare-travel-insurance-2.png)
Travel insurance for activities
There are some activities that an insurer may be reluctant to provide cover for altogether, or there may be conditions that apply when you're taking part in more high risk activities. Reading your policy wording will help you to know how you're covered in all of these instances.
Comparing different types of travel insurers
During your research, you may come across different types of organisations that sell travel insurance. Let’s look at some of the most common types of travel insurance providers and some things to consider for each.
A key thing to note is that most insurers offer a ‘free look period’ which is a period of time between purchasing your policy and leaving home on your travels to amend or cancel your policy, without any financial penalty.
![travel insurance compare prices nz different types of travel insurers](https://www.scti.co.nz/-/media/project/scti/nz/images/images-from-old-website/compare-travel-insurance-5.png)
1. Direct travel insurance
Direct travel insurers, like us, provide travel insurance directly to customers without any middle men. Southern Cross Travel Insurance is proud to be a direct travel insurer – it means we can focus on being experts in travel insurance. We underwrite our own policies, so it's us – the same people that you buy your policy from – who will be making the decisions in the event that you have to make a claim. When you add on your insurance when buying your flight or holiday, you might find that your premiums are also more expensive.
2. Credit card travel insurance
Some credit cards may offer ‘complimentary’ travel insurance. However, it’s always important to check the benefits, cover limits and exclusions, so you have a full understanding of what you are and aren’t covered for.
You may be required to activate your travel insurance before you travel to ensure you’re covered. There may also be other rules that you have to follow to ensure you are covered, such as paying for your travel costs on that credit card.
3. Through travel agents
Travel agents may offer to organise your travel insurance by dealing with an insurer themselves. This may seem convenient, especially if you're purchasing it at the same time as a holiday that you've purchased through the agent. However, you may still want to consider doing some homework by understanding who is providing or underwriting the cover and reading customer reviews, looking at policy wording and comparing prices with other competitors to ensure you get the best value cover that meets your needs.
4. Through airlines
Some airlines offer a travel insurance product, which you can add to your flight booking. There may be an added convenience in buying travel insurance through your airline, but, as with travel agents, remember to check the pricing and be sure to compare thoroughly. As with any provider, pay special attention to the benefits they offer, their record of customer service and whether they provide 24/7 emergency assistance .
How to choose a travel insurer
When comparing travel insurance, as well as looking at cover benefits, it’s also good to look at whether they have been recognised with any industry awards and whether they have received positive customer reviews. These things may give you a better picture of the level of service you can expect. When comparing travel insurers, ask yourself if they:
- Have received great customer reviews
- Have won industry awards: we've won several industry awards through the years.
- Underwrite their own policies: we underwrite our own insurance, so we’re not reselling another company’s product.
- Offer 24/7 emergency assistance: our 24/7 emergency assistance means we're just a phone call away if you need us.
If you’d like any more information on which SCTI policy is the right choice for your next adventure, click here or contact us at [email protected] .
*Data correct as of 15 August 2023
What you need to know
This page includes some information about our products but, 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 relevant policy documents to ensure our travel insurance products are right for you.
You can find the relevant documents for all our policies here: International Comprehensive , Annual Multi-trip , International Medical Only , Domestic , Working Overseas , Visiting New Zealand , International Student
U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.
9 Best Travel Insurance Companies of 2024
According to our analysis of more than 50 travel insurance companies and hundreds of different travel insurance plans, the best travel insurance company is Travelex Insurance Services. In our best travel insurance ratings, we take into account traveler reviews, credit ratings and industry awards. The best travel insurance companies offer robust coverage and excellent customer service, and many offer customizable add-ons.
![travel insurance compare prices nz travel insurance compare prices nz](https://www.usnews.com/object/image/00000187-14e4-df41-afef-f6f7eedc0000/travelex.png?update-time=1682434121821&size=responsiveFlow300)
Travelex Insurance Services »
![travel insurance compare prices nz travel insurance compare prices nz](https://www.usnews.com/object/image/00000187-0fd0-df41-afef-eff365c90000/allianz-travel-pms151-c.png?update-time=1680904678792&size=responsiveFlow300)
Allianz Travel Insurance »
![travel insurance compare prices nz travel insurance compare prices nz](https://www.usnews.com/object/image/00000187-e882-de53-a397-efffc2920000/hth-logo.png?update-time=1683233186462&size=responsiveFlow300)
HTH Travel Insurance »
![travel insurance compare prices nz travel insurance compare prices nz](https://www.usnews.com/object/image/00000187-5d7d-dc31-addf-df7d30050000/tinleg-a-squaremouth-brand.png?update-time=1680904900630&size=responsiveFlow300)
Tin Leg »
![travel insurance compare prices nz travel insurance compare prices nz](https://www.usnews.com/object/image/00000187-5c6e-d34a-a387-fffff0fd0000/aig-2000x1333-blue.png?update-time=1680904821556&size=responsiveFlow300)
AIG Travel Guard »
![travel insurance compare prices nz travel insurance compare prices nz](https://www.usnews.com/object/image/00000187-5d7b-dc31-addf-df7f25cf0000/nandeaglevertnw3c.jpg?update-time=1684254198308&size=responsiveFlow300)
Nationwide Insurance »
![travel insurance compare prices nz travel insurance compare prices nz](https://www.usnews.com/object/image/00000187-14eb-df41-afef-f6fbe5ad0000/seven-corners-logo-2-1.png?update-time=1680904709604&size=responsiveFlow300)
Seven Corners »
![travel insurance compare prices nz travel insurance compare prices nz](https://www.usnews.com/object/image/00000187-5c71-d34a-a387-ffff957d0000/gga-logo-h-lines-positive-dic15-01.png?update-time=1680904867500&size=responsiveFlow300)
Generali Global Assistance »
Berkshire hathaway travel protection ».
Why Trust Us
U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance Companies.
Table of Contents
- Travelex Insurance Services
- Allianz Travel Insurance
Travel insurance can help you protect the financial investment you made in your vacation when unexpected issues arise. Find the best travel insurance for the type of trip(s) you're taking and the coverages that matter most to you – from interruptions and misplaced belongings to illness and injury.
- Travelex Insurance Services: Best Overall
- Allianz Travel Insurance: Best for Trip Interruptions
- HTH Travel Insurance: Best for Groups
- Tin Leg: Best Cost
- AIG Travel Guard: Best for Families
- Nationwide Insurance: Best for Last-Minute Travel Insurance
- Seven Corners: Best for 24/7 Support When Traveling
- Generali Global Assistance: Best for Medical Emergencies
- Berkshire Hathaway Travel Protection: Best for Specialized Coverage
Customizable upgrades are available, including car rental coverage, additional medical insurance and adventure sports coverage
Medical and trip cancellation maximum are not as high as some other companies
- 100% of the insured trip cost for trip cancellation; 150% for trip interruption
- Up to $1,000 in coverage for lost, damaged or stolen bags and personal items; $200 for luggage delays
- $750 in missed connection coverage
- $50,000 in emergency medical and dental coverage
- Up to $500,000 in emergency medical evacuation and repatriation coverage
SEE FULL REVIEW »
Annual and multitrip policies are available
Distinguishing between the company's 10 travel insurance plans can be challenging
- Up to $200,000 in trip cancellation coverage; $300,000 in trip interruption coverage
- $2,000 for lost, damaged or stolen luggage and personal effects; $600 for bag delays
- Up to $1,600 for travel delays
- Emergency medical coverage of up to $75,000
- Epidemic coverage
Generous coverage at the mid- and high-tier levels, and great group discounts
Preexisting conditions coverage is only available at mid- and high-tier plans
- 100% trip cancellation coverage (up to $50,000); 200% trip interruption coverage
- Up to $2,000 in coverage for baggage and personal effects; $400 in baggage delay coverage
- Up to $2,000 in coverage for trip delays; $1,000 for missed connections
- $500,000 in coverage per person for sickness and accidents
Variety of plans to choose from, including two budget-friendly policies and several more premium options
More limited coverage for baggage issues than other companies
- 100% trip cancellation protection; 150% trip interruption
- $500 per person for lost, stolen or damaged baggage and personal items
- Up to $2,000 per person in travel delay coverage ($150 per day); $100 per person for missed connections
- $100,000 per person in emergency medical coverage, including issues related to COVID-19
Travel insurance policy coverage is tailored to your specific trip
Information about policy coverage inclusions is not readily available without first obtaining a quote
- Trip cancellation coverage for up to 100% of your trip's cost; trip interruption coverage for up to 150% of the trip cost
- Up to $2,500 in coverage for lost, stolen or damaged baggage; $500 related to luggage delays
- Up to $1,000 in missed connection and trip delay coverage
- $100,000 in emergency medical coverage
Variety of plans to choose from and coverage available up to a day before you leave on your trip
Limited trip cancellation coverage even at the highest tier
- Trip cancellation coverage up to $30,000; trip interruption coverage worth up to 200% of the trip cost (maximum of $60,000)
- $2,000 for lost, damaged or stolen baggage; $600 for baggage delays
- Up to $2,000 for trip delays; missed connection and itinerary change coverage of $500 each
- $150,000 for emergency medical and dental issues
Customer service available 24/7 via text, Whatsapp, email and phone
Cancel for any reason coverage costs extra
- 100% trip cancellation coverage (up to between $30,000 and $100,000 depending on your state of residence); interruption coverage for up to 150% of the trip cost
- Lost, stolen or damaged baggage coverage up to $2,500; up to $600 for luggage delays
- Trip delay and missed connection coverage worth up to $1,500
- Emergency medical coverage worth up to between $250,000 and $500,000 (depending on where you live)
Generous emergency medical and emergency evacuation coverage
Coverage for those with preexisting conditions is only available on the Premium plan
- 100% reimbursement for trip cancellation; 175% reimbursement for trip interruption
- $2,000 in coverage for loss of baggage per person
- $1,000 per person in travel delay and missed connection coverage
- $250,000 in medical and dental coverage per person
In addition to single-trip plans, company offers specific road trip, adventure travel, flight and cruise insurance coverage
Coverage for missed connections or accidental death and dismemberment is not part of the most basic plan
- Trip cancellation coverage worth up to 100% of the trip cost; interruption coverage worth up to 150% of the trip cost
- $500 in coverage for lost, stolen or damaged bags and personal items; bag delay coverage worth $200
- Trip delay coverage worth up to $1,000; missed connection coverage worth up to $100
- Medical coverage worth up to $50,000
To help you better understand the costs associated with travel insurance, we requested quotes for a weeklong June 2024 trip to Spain for a solo traveler, a couple and a family. These rates should help you get a rough estimate for about how much you can expect to spend on travel insurance. For additional details on specific coverage from each travel insurance plan and to input your trip information for a quote, see our comparison table below.
Travel Insurance Types: Which One Is Right for You?
There are several types of travel insurance you'll want to evaluate before choosing the policy that's right for you. A few of the most popular types of travel insurance include:
COVID travel insurance Select insurance plans offer some or a combination of the following COVID-19-related protections: coverage for rapid or PCR testing; accommodations if you're required to quarantine during your trip if you test positive for coronavirus; health care; and trip cancellations due to you or a family member testing positive for COVID-19. Read more about the best COVID-19 travel insurance options .
Cancel for any reason insurance Cancel for any reason travel insurance works exactly how it sounds. This type of travel insurance lets you cancel your trip for any reason you want – even if your reason is that you simply decide you no longer want to go. Cancel for any reason travel insurance is typically an add-on you can purchase to go along with other types of travel insurance. For that reason, you will pay more to have this kind of coverage added to your policy.
Also note that this type of coverage typically only reimburses 50% to 80% of your nonrefundable prepaid travel expenses. You'll want to make sure you know exactly how much reimbursement you could qualify for before you invest in this type of policy. Compare the best cancel for any reason travel insurance options here .
International travel insurance Travel insurance is especially useful when traveling internationally, as it can provide medical coverage for emergencies (in some cases for COVID-19) when you're far from home. Depending which international travel insurance plan you choose, this type of travel insurance can also cover lost or delayed luggage, rental cars, travel interruptions or cancellations, and more.
Cheap travel insurance If you want travel insurance but don't want to spend a lot of money, there are plenty of cheap travel insurance options that will offer at least some protections (and peace of mind). These are typically called a company's basic or standard plan; many travel insurance companies even allow you to customize your coverage, spending as little or as much as you want. Explore your options for the cheapest travel insurance here .
Trip cancellation, interruption and delay insurance Trip cancellation coverage can help you get reimbursement for prepaid travel expenses, such as your airfare and cruise fare, if your trip is ultimately canceled for a covered reason. Trip interruption insurance, on the other hand, kicks in to reimburse you if your trip is derailed after it starts. For instance, if you arrived at your destination and became gravely ill, it would cover the cost if you had to cut your trip short.
Trip delay insurance can help you qualify for reimbursement of any unexpected expenses you incur (think: lodging, transportation and food) in the event your trip is delayed for reasons beyond your control, such as your flight being canceled and rebooked for the next day. You will want to save your receipts to substantiate your claim if you have this coverage.
Lost, damaged, delayed or stolen bags or personal belongings Coverage for lost or stolen bags can come in handy if your checked luggage is lost by your airline or your luggage is delayed so long that you have to buy clothing and toiletries for your trip. This type of coverage can kick in to cover the cost to replace lost or stolen items you brought on your trip. It can also provide coverage for the baggage itself. It's even possible that your travel insurance policy will pay for your flight home if damages are caused to your residence and your belongings while you're away, forcing you to return home immediately.
Travel medical insurance If you find yourself sick or injured while you are on vacation, emergency medical coverage can pay for your medical expenses. With that in mind, however, you will need to find out whether the travel medical insurance you buy is primary or secondary. Where a primary policy can be used right away to cover medical bills incurred while you travel, secondary coverage only provides reimbursement after you have exhausted other medical policies you have.
You will also need to know how the travel medical coverage you purchase deals with any preexisting conditions you have, including whether you will have any coverage for preexisting conditions at all. Read more about the best travel medical insurance plans .
Evacuation insurance Imagine you break your leg while on the side of a mountain in some far-flung land without quality health care. Not only would you need travel medical insurance coverage in that case, but you would also need coverage for the exorbitant expense involved in getting you off the side of a mountain and flying you home where you can receive appropriate medical care.
Evacuation coverage can come in handy if you need it, but you will want to make sure any coverage you buy comes with incredibly high limits. According to Squaremouth, an emergency evacuation can easily cost $25,000 in North America and up to $50,000 in Europe, so the site typically suggests customers buy policies with $50,000 to $100,000 in emergency evacuation coverage.
Cruise insurance Travel delays; missed connections, tours or excursions; and cruise ship disablement (when a ship encounters a mechanical issue and is unable to continue on in the journey) are just a few examples why cruise insurance can be a useful protection if you've booked a cruise vacation. Learn more about the top cruise insurance plans here .
Credit card travel insurance It is not uncommon to find credit cards that include trip cancellation and interruption coverage , trip delay insurance, lost or delayed baggage coverage, travel accident insurance, and more. Cards that offer this coverage include popular options like the Chase Sapphire Reserve credit card , the Chase Sapphire Preferred credit card and The Platinum Card from American Express .
Note that owning a credit card with travel insurance protection is not enough for your coverage to count: To take advantage of credit card travel insurance, you must pay for prepaid travel expenses like your airfare, hotel stay or cruise with that specific credit card. Also, note that credit cards with travel insurance have their own list of exclusions to watch out for. Many also require cardholders to pay an annual fee.
Frequently Asked Questions
The best time to buy travel insurance is normally within a few weeks of booking your trip since you may qualify for lower pricing if you book early. Keep in mind, some travel insurance providers allow you to purchase plans until the day before you depart.
Many times, you are given the option to purchase travel insurance when you book your airfare, accommodations or vacation package. Travel insurance and travel protection are frequently offered as add-ons for your trip, meaning you can pay for your vacation and some level of travel insurance at the same time.
However, many people choose to wait to buy travel insurance until after their entire vacation is booked and paid for. This helps travelers tally up all the underlying costs associated with a trip, and then choose their travel insurance provider and the level of coverage they want.
Figuring out where to buy travel insurance may be confusing but you can easily research and purchase travel insurance online these days. Some consumers prefer to shop around with a specific provider, such as Allianz or Travelex, but you can also shop and compare policies with a travel insurance platform. Popular options include:
- TravelInsurance.com: TravelInsurance.com offers travel insurance options from more than a dozen vetted insurance providers. Users can read reviews on the various travel insurance providers to find out more about previous travelers' experiences with them. Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers.
- InsureMyTrip: InsureMyTrip works similarly, letting you shop around and compare plans from more than 20 travel insurance providers in one place. InsureMyTrip also offers several guarantees, including a Best Price Guarantee, a Best Plan Guarantee and a Money-Back Guarantee that promises a full refund if you decide you no longer need the plan you purchased.
Protect your trip: Search, compare and buy the best travel insurance plans for the lowest price. Get a quote .
When you need to file a travel insurance claim, you should plan on explaining to your provider what happened to your trip and why you think your policy applies. If you planned to go on a Caribbean cruise, but your husband fell gravely ill the night before you were set to depart, you would need to explain that situation to your travel insurance company. Information you should share with your provider includes the details of why you're making a claim, who was involved and the exact circumstances of your loss.
Documentation is important, and your travel insurance provider will ask for proof of what happened. Required documentation for travel insurance typically includes any proof of a delay, receipts, copies of medical bills and more.
Most travel insurance companies let you file a claim using an online form, but some also allow you to file a claim by phone or via fax. Some travel insurance providers, such as Allianz and Travel Insured International, offer their own mobile apps you can use to buy policies and upload information or documents that substantiate your claim. In any case, you will need to provide the company with proof of your claim and the circumstances that caused it.
If your claim is initially denied, you may also need to answer some questions or submit some additional information that can highlight why you do, in fact, qualify.
Whatever you do, be honest and forthcoming with all the information in your claim. Also, be willing to provide more information or answer any questions when asked.
Travel insurance claims typically take four to six weeks to process once you file with your insurance company. However, with various flight delays and cancellations due to things like extreme weather and pilot shortages, more travelers have begun purchasing travel insurance, encountering trip issues and having to submit claims. The higher volume of claims submitted has resulted in slower turnaround times at some insurance companies.
The longer you take to file your travel insurance claim after a loss, the longer you will be waiting for reimbursement. Also note that, with many travel insurance providers, there is a time limit on how long you can submit claims after a trip. For example, with Allianz Travel Insurance and Travelex Insurance Services, you have 90 days from the date of your loss to file a claim.
You may be able to expedite the claim if you provide all the required information upfront, whereas the process could drag on longer than it needs to if you delay filing a claim or the company has to follow up with you to get more information.
Travel insurance is never required, and only you can decide whether or not it's right for you. Check out Is Travel Insurance Worth It? to see some common situations where it does (and doesn't) make sense.
Why Trust U.S. News Travel
Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.
You might also be interested in:
![travel insurance compare prices nz travel insurance compare prices nz](https://www.usnews.com/object/image/00000185-838a-de04-a7df-a78b3e5f0000/image.png?update-time=1705608600186&size=responsiveFlow230)
Carry-on Luggage and Personal Item Size Limits (2024)
Amanda Norcross
Just like checked bags, carry-on luggage size restrictions can vary by airline.
![travel insurance compare prices nz travel insurance compare prices nz](https://www.usnews.com/object/image/00000184-a4f2-d779-a587-edfb1b750000/gettyimages-660991448.jpg?update-time=1706729795244&size=responsiveFlow230)
Bereavement Fares: 5 Airlines That Still Offer Discounts
Several airlines offer help in times of loss.
![travel insurance compare prices nz travel insurance compare prices nz](https://www.usnews.com/object/image/00000186-a87a-ddc7-adff-ef7fdce00001/intro-march-2023-how-to-update-us-passport-stock.jpg?update-time=1706216548416&size=responsiveFlow230)
The Best Way to Renew a Passport in 2024
The proposed online passport renewal system is behind schedule.
![travel insurance compare prices nz travel insurance compare prices nz](https://www.usnews.com/object/image/0000018e-e887-d307-abae-eedf27c30000/solgaard-h1-exterior-lifestyle-cropped-use.jpg?update-time=1713300419089&size=responsiveFlow230)
13 Best Carry-on Luggage Pieces 2024 - We Tested Them All
Erin Evans and Rachael Hood and Catriona Kendall and Amanda Norcross and Leilani Osmundson
Discover the best carry-on luggage for your unique travel style and needs.
![](http://britannia.fun/777/templates/cheerup/res/banner1.gif)
IMAGES
VIDEO
COMMENTS
Compare travel insurance quotes to find the best deals in New Zealand. When it comes to travel insurance, we truly are the experts. Our travel insurance comparison helps you save time & money. Buy online today! ... With comparetravelinsurance.co.nz, the price you see is the same price direct from the insurer. Sometimes you're not after the best ...
With Kiwi travellers for over 40 years. SCTI is part of the Southern Cross group; one of New Zealand's most enduring and trusted brands. We're 100% New Zealand owned, and have worked hard to forge a reputation as our country's leading travel insurer. During this time, we're extremely proud to be recognised both locally and internationally ...
Our annual multi-trip policy covers an unlimited number of trips over a 12 month period. We give you the same level of cover as our comprehensive plus international plan, meaning you get to cover less. You can choose your trip duration from 15 days or 30 days. GET A QUOTE.
International Travel Insurance. View Canstar's Outstanding Value Travel Insurance Awards. Compare travel insurance policies and providers for trans-Tasman and international destinations to discover some of the best, cheapest travel insurance.
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 the Inbound Plan. **For 12 months, over 100km from home, including domestic travel, up to maximum number of days as selected by you. Get a quote now See policy wording.
Travel Insurance Comparison of insurance plans and features. Find the cheapest travel insurance at Money Compare. Compare & save on your finances. Compare insurance, compare home loans, compare credit cards and more. ... Up to NZ$80 cash BONUS & zero fees* promotion. Borrowing Advice. First Time Home Buying. Car Finance. Secured Loans vs ...
Luckily, you don't have to spend hours online searching through dozens of travel insurance companies trying to find the best ones; we have them all here at glimp! We've gathered all of New Zealand's leading travel insurance companies together, including Southern Cross travel insurance, AA travel insurance and AMI travel insurance, making ...
Compare Travel Insurance | Expert Analysis & Top Picks for 2024. Uncover the best deals with our comprehensive analysis of over 500 sample quotes from 15+ leading travel insurance providers. Our guide helps you understand the importance of travel insurance and what a good policy should cover. Updated 30 March 2024.
It is always important to know that the travel agent is acting as a middleman for another insurer meaning you might be paying much higher premiums. Ask them what commission they get for selling Travel Insurance, and then always compare their quotes. It only takes 30 seconds to get a 1Cover quote.
Posted by Bruce Pitchers November 21, 2023. For New Zealand's best-value travel insurance, check out Canstar's latest Outstanding Value Travel Insurance Awards. Holidays promise carefree relaxation away from work pressures and domestic chores. However, plenty of unforeseen events can ruin the best-laid vacation plans, from illness and ...
Compare Domestic Plans. We offer travel insurance plans for New Zealand residents looking for comprehensive or basic cover, as well as a Cover-More annual travel insurance plan. Want to speak to someone? You can call our customer service team on (0800) 500 225 to discuss if our travel insurance plans.
Product Choice. We compare heaps of policies for all types of travellers from some of New Zealand's most reputable travel insurers. We compare brands including, 1Cover, Amex, Webjet, Zoom Travel Insurance and more!
Get a quote. *Medical cover will not exceed 12 months from onset. 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 the Inbound Plan. **For 12 months, over 100km from home, including domestic travel, up to maximum number of days per journey as selected by you.
Peace Of Mind. Our travel insurance plans are underwritten by HDI Global Specialty SE - New Zealand. A global company who provides a broad range of insurance solutions in more than 175 countries. GET A QUOTE. Compare our travel insurance plans to find the perfect policy for your upcoming holiday!
A travel insurance comparison on price will reveal differences of 20% to 40% in many cases, and can be as great as 60% when comparing with travel agencies. ... Travel Insurance Direct Travel Insurance policies were issued by Travel Insurance Direct (New Zealand) Limited NZCN 1871091, and underwritten by certain underwriters at Lloyd's. Travel ...
If you're travelling internationally more than three times in a year, our Annual Multi-trip policy could be a cheaper option. Under the policy, you're covered for 12 months from the start date of insurance you select, no matter how many times you travel. You can also select the number of days you'll be covered for each trip - from up to ...
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. Compare & Buy Travel Insurance with Worldcare Travel Insurance NZ Today! View Travel Insurance Policy Options & Compare Prices Online.
Get access to compare Clear all. 1Cover Travel Insurance Travel Insurance Comprehensive. AA Insurance International Leisure Cover Comprehensive. Air New Zealand International Comprehensive Single Trip Plan. American Express Single Trip Travel Insurance. Cover-More Options Travel Insurance Plan I. Kiwi Holiday Insurance Plan A Super.
Founded in 1982, Southern Cross is one of New Zealand's oldest travel insurance companies. It has helped many Kiwis in their travel needs, especially offering excellent policies for overseas trips. It's one of NZ's most trusted brands, making it a very good pick for a travel policy. Compare Quotes. Compare Travel Insurance.
We've been providing travel insurance since 1982, and now have over 40 years' experience as a specialist travel insurer. During that time, we've won several awards, earned thousands of great customer reviews and helped countless people travel with confidence. We're 100% NZ owned and are proud to be one of the country's most trusted brands.
Compare Travel Insurance . Compare Travel Insurance ... New Zealand Travel Insurance ; Norway Travel Insurance ... Starting price Top-scoring cheap travel insurance policy
NZ Travel Insurance: compare with our panel of 5 providers. Get fast free travel insurance quotes! Eugene is the king travel insurance. Travel Insurance. ... 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.
Best for Cruises: Travel Guard. Best Reputation: C&F Travel Insured. Best for Pre-existing Conditions: Tin Leg Travel Insurance. Best for Digital Nomads: WorldTrips Travel Insurance. Best Low-Cost ...
Annual multi-trip insurance. Domestic travel insurance. Travel insurance for New Zealand. Travel insurance for Bali. Travel insurance Japan. Travel insurance for Thailand. Travel insurance for the USA. Travel insurance destination hub. Learn all about travel insurance and compare policies for your next trip with Compare the Market.
AIG Travel Guard - Best for Add-Ons. HTH Travel Insurance - Best for Long-Term Insurance for International Travel. TravelInsurance.com - Best for Comparing Travel Insurance Quotes. Reviews of the 9 best travel insurance companies of May 2024: Allianz (Best for Business Travel), AIG (Best Add-ons) and Travelex (Best for Families).
See Forbes Advisor's Travelex travel insurance review and learn details about top-rated travel insurance plans, average travel insurance costs and benefits.
4. Through airlines. Some airlines offer a travel insurance product, which you can add to your flight booking. There may be an added convenience in buying travel insurance through your airline, but, as with travel agents, remember to check the pricing and be sure to compare thoroughly. As with any provider, pay special attention to the benefits ...
Squaremouth: With Squaremouth, you can enter your trip details and compare more than 90 travel insurance plans from 20-plus providers. ... including a Best Price Guarantee, a Best Plan Guarantee ...
Trawick's Safe Travels Voyager plan: This policy is good for travelers seeking high benefit limits. It provides $1 million in medical evacuation and $250,000 per person in primary medical ...