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Because life's a trip

Trip Details.

Type to select country destinations

Type the countries you are travelling to or select from popular destinations below.

• Cook Islands
• New Caledonia
• New Zealand
• Philippines
• South America
• Netherlands
• Switzerland
• United Kingdom
• South Africa
• Middle East
• United Arab Emirates
• Domestic Cruise
• Cruising New Zealand

Please Note: You do not need to include stopovers less than 48 hours, except for USA and Canada.

• Depart Return

Are all travellers under 19 your children or grandchildren?

Dependants are defined by TINZ as your children or grandchildren, not in full time employment, who are under the age of 19 and travelling with you for 100% of the journey. Before proceeding, please confirm that all travellers under 19 are dependants of the adult travellers. If the child is not classified under the above terms then please treat them as an adult traveller within this policy.

The Already Overseas plan is appropriate for New Zealand residents who are already overseas and need travel insurance cover because they have either forgotten to purchase before they left New Zealand or, their existing travel insurance policy has expired.

Please read our conditions of purchase carefully. We can only provide cover provided that you satisfy the following conditions at the time of purchase:

• You are aged 64 or under; and
• You have a permanent residential address in New Zealand and will be returning to resume residence in New Zealand at the end of your journey; and
• You intend to return to New Zealand on the date your policy ends; and
• You purchase your policy within 30 days from either the date you departed New Zealand; or the expiry of any other travel insurance policy; and
• Your period of overseas travel does not exceed 18 consecutive months in total from the date you originally departed New Zealand;

Please note:

• For this plan “journey” means the time from when the policy is issued while you are overseas and ends when you arrive at any immigration counter in New Zealand.
• Journeys can be up to a maximum of 90 days.
• Purchasing an Already Overseas policy is limited to one journey every 12 months.
• There is no cover provided for the first 72 hours from the start date of your certificate of insurance.

Age limit exceeded.

We are sorry.

We are unable to provide cover for this trip. Travellers aged over 80 years and over can only purchase travel insurance for a maximum duration of 6 months.

Please visit our partner website www.comparetravelinsurance.co.nz to purchase travel insurance for this trip.

Single Trip | Annual Multi-Trip

Travel alerts: view the latest travel information  that may affect your trip. , travel insurance, get a quote.

Booked a trip? TINZ are a specialist New Zealand Travel Insurer offering cover to Kiwis for unforeseen events during travel. 

24/7 EMERGENCY ASSISTANCE

At TINZ your health is our number one priority. Our emergency assistance experts are just a phone call away 24 hours a day, seven days a week.

CANCELLATION COVER

Don’t lose out if you have to cancel your trip. We offer cover for cancellation costs if you can no longer travel or have to return home early due to unforeseen events.

TRAVEL DELAYS

Airport delays are a common frustration when travelling. Our travel insurance provides you with compensation if you’re delayed for more than six hours.

TERRORISM COVER

 If you’re caught up in an act of terror, we’ll pay for your flight home, cover medical costs and in some cases provide you with reimbursement for trip cancellation.

RIDING A MOTORBIKE OR SCOOTER

You’re covered on two wheels, so long as you’re wearing a helmet and the driver holds a valid licence recognised in the country you are travelling.

GADGET COVER

No doubt you’ll be taking a few gadgets away with you. Our plans provide different levels of cover for phones, iPads, cameras and laptops.

CHOICE OF COVER

Whether you’re after the bare essentials or fully comprehensive cover, TINZ offers a range of options to suit all types of travellers and budgets.

CRUISE COVER

Planning a cruise?  We’re on board with you and don’t charge any extra if you’re heading on a cruise. With TINZ, you’re covered from ship to shore.

TRAVEL INSURANCE OPTIONS

Get cover for the things you love. Whether you’re travelling in New Zealand or overseas, you're an avid skier, an adrenalin junkie, a gadget freak or a high-end holidaymaker, TINZ has the extra cover you’re looking for.

DOMESTIC TRAVEL

There are always risks when you travel, even in your home country. Protect your New Zealand holiday with domestic travel insurance and get cover for rental car excess, luggage, personal effects, lost deposits and more.

SKI INSURANCE

ADVENTURE ACTIVITIES

GROUP BOOKINGS

Are you travelling with a group of friends, school or club? TINZ offers special rates that can save you significant time and money!

SPECIFIC ITEMS

PRE-EXISTING MEDICAL CONDITIONS

Don’t let a pre-existing medical condition get in the way of your travels.  We cover 35 existing medical conditions automatically for free. You can also apply to cover additional conditions by assessment.

LATEST ARTICLES

Travel insurance - the complete guide.

You've been dreaming about your holiday, the perfect break, the dream trip, what could go wrong? The truth is, on holiday, things often do. Perhaps the airline loses your luggage, or you're unlucky enough to get injured or become sick. Either way, taking the time to choose the travel insurance is a worthwhile investment. Our complete guide to travel insurance has you covered!

5 STAR TRAVEL INSURANCE

It's not just our customers that love us, our travel insurance products have been independently rated with  five stars by Canstar.

Cancellation cover can trip up many a conscientious traveller. Keep reading to get the low-down on TINZ's cancellation cover .

Most travel insurers exclude terrorism. However, Travel Insurance New Zealand covers you for cancellation, medical expenses and more. 

TRAVEL INSURANCE FAQ'S

We understand that travel insurance can be confusing, here are some of our most common questions.

Q. Can I buy a policy if I have already departed New Zealand?

Q. i am currently still on my trip and my policy ended, can i extend my policy, q. does tinz cover natural disasters, q. am i covered for riding a motorbike overseas.

• Yes, you’re covered to ride a motorbike provided that: - You are licensed to ride a motorbike in New Zealand. - You hold a valid motorbike licence for the country you are in. - You wear a helmet at all times while riding. You can ride a motorcycle that is the same capacity you are licensed to ride in Australia. If your licence restricts the engine size you can ride, then you will need to stick to that when you are away. Learn more in our guide to riding motorbikes and scooters overseas.

Q. What doesn’t travel insurance cover?

• It's important to be aware that all travel insurance policies have 'exclusions'. So, there are some things that we just can't cover you for. These certainly aren’t secret and can be found in our policy wording, but we want to highlight some of the things you’re unlikely to be covered for so that you can make smart decisions when heading on holiday. - You are generally not covered for reckless behaviour or deliberately putting yourself in harms way. - Not taking care of your personal belongings, such as leaving your things behind in public places. - You’rer not covered if you were drunk and the consumption of alcohol contributed to your loss. As for illegal recreational drugs, you're definitely not covered. - We have a general exclusion in relation to pandemics and epidemics. - You are not covered for pre-existing medical conditions that you failed to tell us about or take cover for. - You are not covered for events already known in the mass media at the time of purchasing your policy. Even though our policies have these exclusions, all TINZ customers are entitled to lodge a claim for review, which would be assessed based on individual facts and circumstances.

Q. Does TINZ cover pre-existing medical conditions?

• Yes, don't let an existing medical condition get in the way of your travels. We cover 35 medical conditions automatically for free. Any other conditions need to be declared through our easy online medical assessment. See more information about pre-existing illnesses here.

Q. Am I covered for a family emergency?

• Both TINZ’s Comprehensive & Comprehensive plans 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)

Q. What sports activities are covered by TINZ travel insurance?

• TINZ gives you the freedom to take that heart-pounding leap - worry free! Our optional Sports & Activities Cover provides you with cover for a range of more adventurous activities not covered under a standard policy. We cover things like cycling, snorkelling (depth limits apply) and water skiing for free. We offer extra cover for activities like canyoning, abseiling, trekking above 3000 meters. See our sports adventure activities page for more information.

Q. What is TINZ’s terrorism cover?

• While many travel insurers exclude cover for cancellation fees and lost deposits in the event of terrorism, under our Frequent Traveller and Comprehensive Plus plans we allow you to cancel in the event that MFAT travel warnings restrict you from travel. We provide $10 million worth of medical cover if you’re injured in a terror attack. Conditions apply. See more information about our terrorism cover here.

TRAVEL FACTS

Extortionate overseas medical fees, missed flight fails and holidays hurdles - these travel facts will convince you to never go abroad without a travel insurance policy again!

$50,000 is what it costs for 14 days of medical treatment in Thailand

25% of travellers admit to missing a flight

112,000 Kiwis chose to cruise each year

60% of travellers say they gain at least two kilos on holiday

28% of people fail to protect themselves on holiday

Because life’s a trip

Before You Buy

Top searches, popular destinations, customer rating.

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Outstanding Value Travel Insurance Awards

Click profile to compare 5-Star Outstanding Value Travel Insurance:

International travel, trans-tasman travel, south pacific cruise, seniors travel, 5-star international travel insurance, 5-star trans-tasman travel insurance, 5-star south pacific cruise travel insurance, 5-star seniors travel insurance.

2023 Outstanding Value Travel Insurance Awards

Compare Travel Insurance by Destination

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

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

Important information

• The Star Ratings in this table were awarded November 2023. The current features, rates and fees may be different to what was rated. The Star Rating shown is only one factor to take into account when considering a product. See our Ratings Methodology .
• The initial table display is sorted by Star Rating and then alphabetically by company.
• Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Canstar is not providing a recommendation for your individual circumstances.  See our Detailed Disclosure .
• Data in the table is updated from time to time to reflect product changes notified to us by product issuers. Check current product details and investment options with the product issuer. Consider the Product Disclosure Statement before making a purchase decision.
• The table above may not include all providers in the market and may not compare all features relevant to you. Canstar is not providing a recommendation for your individual circumstances.
• Canstar may earn a fee for referrals from its website tables, and from sponsorship (advertising) of certain products. Payment of sponsorship fees does not influence the star rating that Canstar awards to a sponsored product. Fees payable by product providers for referrals and sponsorship may vary between providers, website position, and revenue model. Sponsorship fees may be higher than referral fees. Sponsored products are clearly disclosed as such on website pages. They may appear in a number of areas of the website such as in comparison tables, on hub pages and in articles. Sponsored products may be displayed in a fixed position in a table, regardless of the product’s rating, price or other attributes. The table position of a sponsored product does not indicate any ranking, rating or endorsement by Canstar. See  How We Get Paid  for further information.

Compare Travel Money Cards

Headed off overseas and looking for the best in money cards? Here’s a rundown of some of the most popular cards in New Zealand:

The display order does not reflect any ranking or rating by Canstar.

This information is not an endorsement by Canstar of travel money cards or any specific provider. Information correct as of 20/09/23. For full pricing details see individual providers’ websites.

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What is travel insurance and why do you need it when you travel?

What is travel insurance?

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

Why do you need travel insurance?

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

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

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

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

What else should you do before you travel?

In addition to organising travel insurance, before you leave:

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

Types of travel insurance and what they cover

There are two types of travel insurance cover policies.

1. Domestic travel insurance

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

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

Domestic travel insurance usually doesn’t cover you for:

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

2. International travel insurance

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

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

International travel insurance usually doesn’t cover you for:

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

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

Travel insurance glossary of terms

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

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

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

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

Recent Award Winners

View Canstar's Outstanding Value Travel Insurance Awards

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• Travel Insurance

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

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

Great options to suit your travel within New Zealand or overseas

Overseas cover & annual multi-trip cover

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

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

Find out more

Domestic Cover

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

Inbound Cover - Visiting NZ

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

Travel Cover During Covid-19

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

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

Still unsure? Ask us a question

Compare our Travel Cover Plans

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

Policy benefits

Medical and dental expenses

Additional expenses

Amendment or cancellation costs

Luggage and travel documents

Delayed luggage allowance

Rental vehicle insurance excess

Travel delay

Resumption of journey

Missed connections

Special events

Hospital incidentals

Loss of income

Accidental death

Legal expenses

Personal liability

Get a travel quote now

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

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

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

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

Before you travel

Travel safety

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

Travel tips

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

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

AMI Travel Website Disclaimer 12072022

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

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

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

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

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

Where are you going.

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

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

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

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

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

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

New Zealand Only:  New Zealand domestic travel

New Zealand Inbound Travellers :   New Zealand

Dates of Travel

Departure date (travel start date).

Single Trip - The date you depart New Zealand

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

Annual Multi-Trip - The date your policy will commence

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

Return date - (Travel end date)

Single Trip - The date you return to your home

Annual Multi-Trip

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

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

Traveller Details

Age of each traveller at issue date

Simply enter the age of each traveller including children.

Only use as many boxes as you have travellers.

Do all travellers live in New Zealand?

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

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

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

• Our Insurance

Looking for travel insurance?

Be in to win 1 of 5 $1,000 travel gift cards when you buy a new travel policy today.*

*End 31 Jul. Ts&Cs apply. Cover subject to current underwriting criteria.

Award-winning insurance

Why choose tower travel insurance.

Whether you're dreaming of your next overseas trip or planning it, we're here for you. Don't forget that we can cover your domestic trips too.

Travel insurance with COVID-19 cover

We offer selected cover for epidemic and pandemic diseases with our domestic and international plans ^ . Find out what you're covered for here .

Trusted partner with global reach

We've joined up with Allianz Partners, one of the world’s largest travel insurance and assistance providers, so you can feel confident knowing we're here when you need us.

24/7 Emergency Assistance

We’re backed by the Allianz Partners Emergency Assistance programme, ready to help you 24/7 no matter where you are in the world.

Cover for dependent children

Dependent children travelling with an adult covered under the policy pay no additional charge (for Domestic Cover – that’s up to 18 years, and for International Cover – up to 21 years of age).

Info, ideas and inspiration

Tips on protecting the things that matter the most to you.

Tips to enjoy a safe beach holiday

Travel insurance tips, how to get a l.a.t.e. trip back on track, travel insurance faqs.

Allianz Partners manages all policy amendments, claims, and enquiries for us. If you would like to speak with someone, their contact details are:

• Get help with a quote: 0800 606 688
• Customer care: 0800 800 048
• Email: [email protected]
• Pre-existing medical condition enquiries: 0800 100 124
• Emergency number if calling from overseas: +64 9 486 6868  (reverse charge call through telephone operator)

You can take out travel insurance at any time before your trip starts, but the sooner, the better. Buying your travel insurance as soon as you book your tickets means you're covered if something disrupts your travel, like a delay or cancellation. 

If you take out travel insurance after you've booked your trip, the same protection comes into effect after a 7-day waiting period.

Sure. The sooner you let us know, the sooner we can start processing your claim. You can make a claim online at any time. 

If you're overseas and need help right now, then call us collect at any time on +64 9 487 0818  or if you're in New Zealand call us on  0800 606 688 .

Our travel policies cover some recreational activities like cycling, surfing, and paddle boarding, but they don't cover more specialist activities. 

Examples of specialist activities include any extreme version of any sport, competing in a competitive event, mountaineering, or parachuting. 

For more detailed information, check your policy wording, or call us on 0800 606 688 .

Some pre-existing medical conditions are automatically covered under the Comprehensive plan. Cover for pre-existing medical conditions which are not automatically covered may be available for an additional premium following a medical assessment.

Our travel insurance policies are for young and old, including children travelling with adults, and unaccompanied minors. 

Dependent children travelling with an adult on the same policy are covered at no additional cost. For Domestic Cover that's children up to 18 years of age, and for International Cover , up to 21 years of age. 

A parent or guardian can buy a policy for their child if they are travelling as an unaccompanied minor. They will be charged the minimum adult premium.

Gather your supporting documents that you'll need to include with your claim. This could be your travel itinerary, confirmation of cancellation, applicable refunds, photos, receipts, etc. 

Once that's done, make your claim online . You can also call us on  +64 9 487 0818  if you're overseas or  0800 606 688 if you're back in New Zealand.

Get started on your claim now

Travel alert notice: Please check the latest travel advisories on the Allianz Partners website to see if it is safe to travel to your chosen destination. You should also check safetravel.govt.nz for information on any countries you might be visiting. Remember to register your travel plans with Safe Travel before you leave so New Zealand officials can contact you in the event of an emergency.

Information on Allianz Partners

Tower Travel insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by Tower Limited. You should read the policy wording before making any decisions about your insurance policy. Terms, conditions, limits, sub-limits, and exclusions apply.

^ The policy still has a general exclusion for epidemics and pandemics and does not cover disinclination to travel due to fear or change of mind. Cover is not provided if you have commenced your journey against the New Zealand Government’s advice not to travel. There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation when crossing or returning over borders, that applies to a population or part of a population. Please read the policy wording on the Domestic or International travel insurance pages for full details.

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

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

Worldwide means anywhere in the world

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

Europe means all European countries, including UK

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

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

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

New Zealand means domestic travel within New Zealand only

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

NZ Travel Insurance Reviews

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.

Customer Experience

Claims experience, value for money.

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

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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.

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

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.

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.

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Destinations

Travellers' Ages

Compare domestic, worldwide travel insurance quotes in NZ

No matter where in the world you may be travelling, it goes without saying that travel insurance is a must. With so many unpredictable things that could occur during your travels, travel insurance is the best way to ensure both you and your belongings are protected if the worst were to happen.

Travel insurance in NZ provides cover for your trips both overseas and domestically, and covers things such as medical expenses, trip cancellation, lost luggage and more.

When it comes to finding cheap travel insurance in NZ, you’ve come to the right place! Here at glimp, we’re passionate about helping Kiwis find the best travel insurance plans for their travels. Whether you’re flying across the country, or to the other side of the world, we’ll help you save time and money on your travel insurance. Compare travel insurance in NZ now and you’ll be able to find the perfect policy in no time.

Travel insurance providers

When searching for the right cover for your travels, you’ll probably be wondering “who are the best travel insurance companies?’ 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 it easy for you to find the right insurer for your travel needs.

How does our travel comparison work?

Here at glimp, we’re committed to helping you find the best travel insurance online to suit your needs! Using our travel insurance comparison tool will help you save time, energy and, most importantly, money! Cheap travel insurance NZ can be hard to come by, but with glimp it’ll be a piece of cake.

Quick and easy to use

It’s never been easier to compare travel insurance quotes in New Zealand - simply enter a few details about your upcoming trip and we’ll deliver the latest insurance policies from New Zealand’s leading travel insurance companies. We’ve already helped thousands of Kiwis have already save on their travel insurance - now it’s your turn!

Find your best deal, free of charge

When it comes to the best travel insurance, it’s all about giving you great value for your money. Our vetted travel insurance policies cover all sorts of unprecedented costs at different values so that you can find the best travel insurance policy that suits your needs. Not to mention, our tool is 100% free to use too!

Buy direct and save more

Buying travel insurance from travel agents and airlines can mean that you’re paying extra for any commission fees. When you compare travel insurance with glimp, we’ll give you the best options and take you directly to your chosen travel insurance provider. Avoid paying those extra commission fees and buy directly from your insurance provider when you compare travel insurance with glimp!

Start saving on your travel insurance premium

Travel insurance comparison in NZ has never been easier. Spare a few minutes and start comparing travel insurance policies now to start saving on your travel insurance premium for your next trip. We help people like you save on their travel insurance policy every day, now it’s your turn.

Why compare travel insurance with glimp?

We save you time & money.

Easily compare travel insurance quotes in NZ. Find the best travel insurance in minutes.

A great place to compare travel insurance

Best comparison site in NZ. Thousands of Kiwis have trusted us with their decisions.

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glimp is 100% free! Whether you want to compare travel insurance quotes or sign up , you pay nothing.

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Mentioned by various news outlets, such as stuff , nzherald , Solarcity, Truenet, nbr and many more.

What does travel insurance cover?

Cancellation cover.

You never know when you might need to cancel a flight and when that happens, your chosen airline can charge you a hefty fee for doing so or will not return your deposit. Standard travel insurance policies often cover this cost so that you can cancel your flight right up to the day of the flight at no cost at all. This applies to flight delays too.

Luggage & belongings

With so many bags constantly being lugged around, there are bound to be a few bags here and there that end up in the wrong place and it’s often out of your control. If you have travel insurance in NZ, your insurer will cover the purchase of a few essentials, meaning you won’t have to bear the brunt of the loss of your GoPro, laptop, camera and whatever else you may have lost.

Medical treatment

When you compare travel insurance policies in NZ, you may notice that most policies offer medical and dental cover. This may be just something simple like drugs for a cold or allergy while you’re overseas, or it could be something a little more complicated like surgery. Some policies may even pay for someone to escort you back home if you’re feeling really unwell.

Car rental excess

If you’ve rented a car while you’re overseas and it gets stolen or damaged then your travel insurance policy may be able to help you out, by providing cover for the excess you’ll need to pay for when you make a claim.

Personal liability

In the event that you accidentally damage property or are liable for damage to a person, your travel insurance provider may provide cover to pay the costs including legal fees to defend your claim and legal costs if you’re wrongly arrested or detained. While we hope it would never come to this, it doesn’t hurt to have the assurance that you would be covered if you were liable for something. Even the cheapest travel insurance policies in NZ usually provides cover for this.

Travel Insurance FAQ

What does travel insurance usually cover.

Although it will depend on your chosen insurance provider and policy type, a typical travel insurance plan will have coverage for all of a travelers main concerns. Standard travel insurance will generally cover you for trip cancellations, travel delays, medical emergencies, lost luggage and personal liability.

Most travel insurance policies are designed to be comprehensive, to protect you from a variety of situations and events that may cause financial loss. However, there are optional extras that can be added onto your policy, such as dental, adventure activities and rental car cover.

Should I get travel insurance?

While travel and adventure is always encouraged, the reality is that even the most well planned trips can go amiss. Nobody wants to prepare for the worst, but it’s absolutely vital to do so - and that’s why you should get travel insurance. Investing in travel insurance cover allows you to safeguard your trip, providing you with peace of mind and letting you get on with your holiday.

When should you buy travel insurance?

It goes without saying, that the best time to buy travel insurance in NZ is before you embark on your travels. However, the time you get travel insurance before that matters too. Ideally, you should book travel insurance within 15 days of trip purchase so that you have enough time to cancel the insurance if need be, and you won’t have any external events affecting the premium.

How do I file a claim for travel insurance?

While this may differ between different travel insurance companies, to claim for travel insurance you generally need to fill out an online claims form which you can find on your travel insurer’s website. You’ll then need to send supporting documents to confirm that it’s you filing the claim, and your insurer will start working on it!

Is there travel insurance for seniors in New Zealand?

Travelling can be the highlight of anyone’s year no matter where you’re venturing and we believe that age is no barrier to this. That’s why we can show you affordable travel insurance in NZ for seniors from insurers such as Southern Cross Travel Insurance, 1Cover and more that will insure you on your travels even if you’re older than 85.

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Compare Travel Insurance | Expert Analysis & Top Picks for 2024

• ​Travel insurance is an insurance policy that is intended to cover medical expenses, lost luggage, flight accident and other losses incurred while travelling. Many travel insurance companies offer a range of policies, but our research confirms that price doesn't automatically mean better cover. 
• We suggest you consider buying a policy when you book your tickets so you don't forget (and be sure that the policy includes cancellation cover, which will help if you something happens before you plan to fly).
• Many New Zealanders are confused about credit card travel insurance. While it's free as part of your annual card fee, many policies have exclusions and caps on travel days. If you're going to use it, make sure you  read the policy from start to finish  to avoid any nasty surprises.

Best Travel Insurance For A Single Traveler, 25 Years Old

• Best travel insurance for Couples, 35 years old
• Best travel insurance for Families 40 year old parents and 2 dependents
• Best travel insurance for Couples, 65 years old
• Best travel insurance for Couples, 75 years old
• We have published this guide to explain the ins and outs of travel insurance. We explain how travel insurance works , what you need to consider when buying a policy and what to watch out for . 
• We have shortlisted the best travel insurance policies for travel in A ustralia, the Pacific Islands, Asia, Europe and North America for different age groups.
• While we have taken the utmost care in putting together this guide, you use it at your own risk, and we do not guarantee the accuracy of the information presented. We recommend confirming policy terms and conditions directly with any travel insurance company before purchase, and make sure you understand your policy and are aware of all exclusions.

What information do I need to get travel insurance quotes?

• Your travel dates (include the day you arrive back into New Zealand when you price policies)
• The ages of anyone travelling with you , and any pre-existing medical conditions they may have
• A list of valuables you plan to bring , such as cameras, laptops and other high-value items. Some policies may require additional cover fees for them to be included.
• The amount you are prepared to pay for a claim - this is called the "excess". The higher the excess, the cheaper the policy. But if you don't want to pay, for example, a $250 excess for a claim worth $400, consider paying a little more upfront to lower the excess to perhaps a more manageable $100. 

Do travel insurance policies cover COVID-19 illness-related costs?

1. travel insurance must-know facts.

• Higher Excess: If you opt for a higher excess, the insurance company’s potential payout in case of a claim is reduced, which usually results in a lower premium for the policy. It's a way to share risk between the insurer and the insured.
• Lower Excess: Conversely, a lower excess means the insurance company would potentially pay out more for a claim, so the premium is typically higher. This offers you less out-of-pocket expenses when you claim, in exchange for paying more upfront for the policy.
• What it means:  This coverage provides unlimited financial protection for hospital, medical, surgical, nursing, ambulance, and emergency dental expenses incurred overseas due to sickness or injury. This is arguably the most important benefit of travel insurance, and if disaster strikes and you get sick or injured, you'll be fully looked after until you recover. All significant claims on travel insurance policies concern medical expenses. 
• Cover preference:  The best policies will have unlimited medical coverage.
• What it means:  This coverage provides financial protection for additional accommodation and transportation expenses resulting from unexpected events such as sickness, natural disasters, severe weather, loss of travel documents and strikes. It's useful when you incur out-of-pocket expenses due to things not going to plan. 
• Cover preference:  The best policies will have unlimited additional expense coverage; the reality is that, in practice, you'll be able to claim for any costs that cause your trip to be disrupted in a significant way. 
• What it means:  This coverage provides financial protection for rearranging or cancelling your trip due to unforeseen circumstances outside your control, such as illness, accidents, or extreme weather conditions.
• Cover preference:  The best policies will have generous amendment/cancellation costs.
• What it means:  This coverage protects lost, stolen, or damaged luggage and personal items. There are limits to the coverage amount for certain items, such as cameras, laptops, and other items, and a maximum amount payable per item. 
• Cover preference:  The best policies will cover $3,000 or more per item rather than a $500 or $750 cap per item, which can leave some people out of pocket when the value exceeds the lower limits.
• What it means:  This coverage provides financial protection for essential emergency items of clothing and toiletries purchased when a transport provider delays your luggage for more than 6-24 hours (depending on the policy).
• Cover preference: A good insurance policy will reimburse you around $200 for a 12 hour delay in recovering your luggage.
• What it means:  This coverage provides financial protection for money accidentally lost or stolen from your person.
• Cover preference:  A decent amount; around $250 to $500 is reasonable. Post-COVID-19, fewer people are carrying cash as cards are widely accepted. However, anyone carrying perhaps 200 euros in cash and having their wallet stolen will benefit from cover that's $300+, and these claims are not uncommon. 
• What it means:  This coverage provides financial protection for the excess payment you become liable to pay due to damage to, or theft of, a rental car. Many rental car companies encourage you to 'buy out the excess' at a surcharge per day, which means you'll pay nothing if your rental car is damaged. However, the costs of buying out an excess can be $30 or even $50+ per day on top of the rental costs. For this reason, a travel insurance policy that takes care of the excess is favourable to avoid the upfront 'buyout' costs. However, you'd need to charge the repairs/excess fee to your card and claim from the insurer. Our guide to rental cars has more details.
• Cover preference:  At least $4,000. Most car rental excesses will be at least 2,000 Euros, US$ 2,000 or £1,500 when you're overseas. If something bad happens to your car, you need cover to ensure there's no shortfall between the excess you've paid to the car rental company and what you get back from the insurer. ​
• What it means:  This coverage provides financial protection for additional accommodation expenses if your scheduled transport is delayed for more than 6 hours. This usually benefits people who find their flights delayed or cancelled and need to book a hotel and pay for meals.
• Cover preference:  Per event, e.g. delay, an amount of $1,000 is reasonable, given delays don't last that long. 
• What it means:  This coverage provides financial protection for the cost of returning overseas if you have to return to New Zealand early due to the ill health of a relative or partner in New Zealand.
• Cover preference:  The costs of resuming travel can be high -the best cover will be at least $50,000.
• What it means:  This coverage provides financial protection for the cost of alternate public transport services to catch up on your planned itinerary if you miss a connection due to unforeseen circumstances outside your control. 
• Cover preference: A good policy should cover you for up to $15,000 in the event of a missed connection.
• What it means:  This coverage provides financial protection for costs due to unforeseeable circumstances outside your control that result in you being unable to arrive in time to attend a special event, such as a wedding, funeral, conference, concert, music festival, or sporting event. 
• Cover preference: A good policy should cover you for around $5,000 in the event of a being unable to attend a special event.
• What it means:  This coverage provides financial protection if you cannot return to your work in New Zealand due to an injury sustained during your journey. 
• Cover preference:  A benefit of $4,500, up to $500 per month, is reasonable, as it provides adequate protection for potential loss of income while you recover. 
• What it means:  This coverage provides financial protection for an injury that causes permanent total loss of sight in one or both eyes or the permanent loss of use of one or more limbs within 12 months of the date of the accident. 
• Cover preference:  Travel insurers seldom offer generous disability coverage, as the policies are not designed to offer income protection or permanent disability. For this reason, a cash payout of $5,000 or $10,000 is reasonable.
• What it means:  This coverage provides financial protection to your estate if you die within 12 months from an injury that occurred during your trip.
• Cover preference:  Travel insurance is not designed to act as a life insurance policy, so the benefits paid for accidental death are usually $20,000 to $50,000.
• What it means:  This coverage provides financial protection for your reasonable legal expenses if you are falsely arrested or wrongfully detained by any government or foreign power. However, it won't cover legal expenses if you commit a crime (such as driving over an alcohol limit) or anything else. 
• Cover preference:  A coverage limit that is adequate to cover reasonable legal expenses is reasonable. 
• What it means: This coverage provides personal liability cover if your negligent act or omission during the journey causes bodily injury or damage to the property of other persons, and you are legally liable to pay compensation. 
• Cover preference:  Travel insurers are often generous with their benefits, knowing it's rarely claimed. A limit of $2,500,000 is reasonable should, in rare cases, you need to claim.

3. Travel Insurance Comparison by Age Group and Destination

• Comprehensive cover for more than just medical - we analysed in detail, beyond the cheap policies offering nothing but accident cover. We looked for policies labelled as "comprehensive", offering reasonable levels of medical cover, and decent reimbursements for travel delays and lost or stolen personal items.
• Low excess - Excesses vary, but most insurers have policies with $100 excesses so this is the benchmark we used except when not offered (TINZ and Mixandmatch).
• Zero excess on essentials - some policies don't charge an excess on certain events - delays and hospital cash being some examples, which means you can claim without being out of pocket for the excess.
• Value for money - We ordered our results by price, from lowest to highest and indicated if the insurer offers additional discounts for existing policyholders (the price quoted does not include the possible discount).
• To obtain our quote data, we used a number of different ages as specified below, travelling to various popular destinations
• We evaluated comprehensive policies offered by 17 insurance companies, for both single trips and annual policies (also called multi-trip or frequent traveller policies)
• In most cases, travel insurance quotes rarely move "within the range", so if you and your children are of a different age to what we used, the quotes will still be similar to what we have given  below,  the age of school-aged children is not a significant factor for policy prices and are often covered until the age of 18 (but check the insurer's policy).
• Individual : one 25-year-old
• 35 year old couple :   two 35-year-olds
• Family : two 40-year-olds and two children aged 8 and 10
• ​ 65 year old couple : two 65 year olds
• 75 year old coupl e: two 75 year olds
• Australia : 8 days
• Fiji : 8 days
• Bali (Indonesia) : 15 days
• Japan : 15 days
• Europe : 29 days
• USA : 14 days
• Mexico : 15 days
• Most travel insurance sold in New Zealand by brands such as State, AA, 1Cover and Air New Zealand is underwritten by major insurers. ​This means the policy has strength and you are not relying on the solvency of your provider to pay out any claim.
• You'll see statements that say the policy is underwritten by Allianz, Cover-More, Chubb, Southern Cross  and Tower for example, and we have noted the underwriter with every insurance provider.
• Australia :  8 days
• Fiji :  8 days
• Bali (Indonesia) :  15 days
• Japan :  15 days
• Europe :  29 days
• USA :  14 days
• Mexico :  15 days
• Travellers:  Single traveller, 25 years old
• Single trip quote:  Comprehensive cover, $100 excess unless otherwise stated
• Multi-trip quote:   Comprehensive cover, $100 excess unless otherwise stated, 60 days maximum length unless otherwise stated.
• Travellers: Single traveller, 25 years old
• Single trip quote: Comprehensive cover, $100 excess unless otherwise stated
• Multi-trip quote: Comprehensive cover, $100 excess unless otherwise stated, 60 days maximum length unless otherwise stated.
• Multi-Trip trip quote: Comprehensive cover, $100 excess unless otherwise stated, 60 days maximum length unless otherwise stated.

Best Travel Insurance for Couples, 35 Years Old

• Travellers:  Couple, two 35 year olds travelling together
• Multi-trip quote:  Comprehensive cover, $100 excess unless otherwise stated, 60 days maximum length unless otherwise stated.
• Travellers: Couple, two 35 year olds travelling together
• Travellers:  A family travelling together: parents (40 years old) and 2 children (8 and 10 years old)
• Travellers: A family travelling together: parents (40 years old) and 2 children (8 and 10 years old)

Best Travel Insurance for Couples, 65 Years Old

• Travellers:  Couple, two 65 year olds travelling together
• Travellers: Couple, two 65 year olds travelling together
• Travellers:  Couple, two 65 year olds travelling together

Best Travel Insurance for Couples, 75 Years Old

• Travellers : Couple, two 75 year olds travelling together
• Travellers: Couple, two 75 year olds travelling together

4. Best Travel Insurance Policies - Single Trip and Multi-Trip:

• Webjet : Webjet has a strong market presence, offering travellers competitive prices with standard excess amounts.
• Southern Cross : With competitive pricing and a 5% discount for existing policyholders, Southern Cross consistently provides travellers with affordable coverage and lower excess costs.
• TINZ and Mixandmatch : These providers often top the rankings of our travel insurance analysis. It must be noted that their excess is higher than other providers TINZ at $200, Mixandmatch at $150, while all others are $100. However, they both offer good value for budget-conscious travellers.
• Worldcare , while not as prominent as Webjet or Southern Cross, Worldcare offers competitive rates that could be appealing to travellers considering a lower excess liability.
• Southern Cross : With competitive pricing and an additional discount of 5% for existing policyholders, Southern Cross consistently provides travellers with affordable coverage and lower excess costs.
• Tower : Offering good value and with a reputation for providing robust customer service and support, Tower is a good option when considering annual travel policies.
• 1Cover : Their multi-trip insurance is appreciated for its comprehensive protection, and it’s a very good choice if you’re planning on driving while abroad as their policies come with a $5,000 rental vehicle excess cover at no additional cost.
• Mixandmatch : This insurer often appears on the top of our table as providing very good value but it must be noted that as with their single trip policies, the lowest excess they offer is $150, while the other insurers evaluated have an excess of $100.
• 1 Cover Travel Insurance
• Air New Zealand
• American Express
• Mixandmatch
• Southern Cross Travel Insurance 
• Worldnomads

5. Credit Card Travel Insurance vs Buying a Standalone Policy

Before relying on credit card travel insurance, we suggest considering the following potential limitations:.

• Coverage Limits:  Most credit card travel insurance policies have caps on coverage. What's offered will vary depending on the specific card and policy; reviewing the policy details is important to understand the limits and whether they're realistic for your plans.
• Duration of Coverage:  Credit card travel insurance policies may only cover trips up to a certain number of days, which may not be sufficient for longer trips.
• Pre-Existing Medical Conditions:  Credit card travel insurance policies may exclude coverage for pre-existing medical conditions, so reviewing the policy details is essential if you or someone travelling with you would fall into this category.
• Activation of Coverage:  To activate coverage, you may need to pay for all or a portion of your travel expenses with the credit card that offers the insurance. This may be paying for half of the trip, the flights or something else. If you don't qualify, the policy won't be valid.
• Coverage for Travel Companions:  Some credit card travel insurance policies may provide coverage for your travel companions, while others may not. If you have a group, then it's unlikely you'll be covered.
• Coverage for Adventure Sports:  Credit card travel insurance policies may exclude coverage for adventure sports and high-risk activities, but in some cases, you may pay to add this. Whether this is cost-effective depends on the credit card's insurer and your plans.
• Coverage for Lost or Stolen Items:  Credit card travel insurance policies may include coverage for lost or stolen items, such as luggage, but the coverage  limits may be lower  than what you would get with a standalone travel insurance policy.
• Understand the Claim Process:  It's important to understand the claim process for the credit card travel insurance policy, including the documentation required and any time limits for submitting a claim. You should also be aware of any deductibles or excesses that may apply.
• Consider Supplementary Coverage:  If the credit card travel insurance policy's coverage is insufficient for your needs, you may want to consider purchasing additional coverage to supplement the policy.

6. Making a Travel Insurance Claim

Why do i need travel insurance, what type of travel insurance is the best for my holiday, what does travel insurance usually cover.

• Cancellation and travel delays: This includes pre-departure cancellations due to illness, delayed flights and delayed luggage
• Medical expenses: The costs of visiting a doctor and/or having medical treatment, and all related medicines
• Personal liability:  This is to cover damage you cause to a person and/or property
• Emergency evacuation : If you need medical treatment or aftercare back in New Zealand, this is the cost of flying you home. 
• Baggage and personal belongings : This covers you if your bags or items are lost, stolen or damaged. 

Do I need travel insurance when visiting Australia?

Do i need travel insurance if i'm on holiday in the pacific islands, what should i consider when shopping for a travel insurance policy.

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International Basic

Essential cover designed for New Zealand travellers on a budget.

Pre-trip cover if you're diagnosed with COVID-19

On-trip cover if you're diagnosed with COVID-19^##

Unlimited~ overseas emergency medical expenses^

Up to $5,000 luggage cover

Existing medical conditions cover available

Optional cancellation cover

Single Trip policies

Annual Multi-Trip policies^

Rental vehicle insurance excess

International Comprehensive

Extensive cover and benefit limits to provide extra financial protection.

Pre-trip cover if you're diagnosed with COVID-19#

On-trip cover if you’re diagnosed with COVID-19 while travelling^##

Up to $20,000 luggage cover*

Optional cancellation cover with Cancellation Extensions

Single Trip or Annual Multi-Trip^^ policies

Rental vehicle comprehensive cover

International Comprehensive +

Everything our Comprehensive Plan includes and more + some higher benefit limits.

Pre-trip cover if you’re diagnosed with COVID-19 before travelling#

Up to $30,000 luggage cover*

Business trip benefits

~* Item limits apply.

~ Cover will not exceed 12 months from onset of the illness, condition, or injury.

^ For expenses relating to ocean or sea-going cruises, cruise-related expenses, Cruise Cover must be included in the policy. There is no cover for cabin confinement related to COVID-19.

^^ Policy availability subject to age, trip duration and area of travel. Policies may not be available to all travellers.

# Up to $10,000 per policy (or the amount chosen if this is less) applies to International Comprehensive+ Plan policyholders with amendment or cancellation costs included. If the policy was purchased less than 21 days before the departure date, this benefit limit applies only to costs paid after the purchase date and within the 48 hours prior to the purchase date. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply.

## Up to $10,000 per policy (or the amount chosen if this is less) applies per policy for policyholders with amendment or cancellation costs included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply.

Searching for COVID-19 cover?

To help you explore the world with more confidence, our travel insurance provides cover for COVID-19-related:

Overseas medical costs*~#

Amendment and cancellation costs*^

Additional expenses*#^

*Limits, sub-limits, conditions, and exclusions apply.

~Medical cover will not exceed 12 months from onset.

#Cover for medical costs related to COVID-19 is not available on our Domestic Plans.

Holiday hasn't  gone to plan?

You can submit a Cover-More travel insurance claim online at any time – and from anywhere.

Get emergency support, fast. We're here 24/7.

When adventure awaits... we can help provide cover.

Setting sail for two or more nights? You'll need to let us know and Cruise Cover will be added to your policy.

Snow Sports

Hitting the slopes? Consider protecting your winter getaway with one of our two levels of Snow Sports Cover.

Adventure Activities

Planning on engaging in extreme activities? We've got two additional Adventure Activities Cover options for you.

Motorcycle & Moped

Want to take to the road on two wheels? See if our Motorcycle/Moped+ Cover option is right for your trip.

We're by your side when you need us most

We've been protecting New Zealand travellers for over 17 years. Read our customers' Cover-More travel insurance reviews to discover how our expert team provides exceptional care during uncertain times.

Mosquito bite in Bali

Senka contracted Dengue fever in Bali, Indonesia, and spent five days in the hospital.

"When I was in hospital I spoke to Cover-More every day, and because I was in Bali on my own that was so reassuring."

Hip fracture in Australia

Diane’s father, John, fractured his hip on holiday in Australia and required surgery.

"Cover-More has been absolutely fantastic, I cannot fault them. They were in touch with me every day and they checked up on us to make sure dad was OK."

Repatriation from Cook Island

Tom suffered a stroke on the first day of his holidays on the Cook Islands and had to be repatriated home.

"With all the help and care that I got, I’ve really dodged a bullet, and I couldn’t ask for anything more."

Protect your trip with us - get a free travel insurance quote now.

How can we help you travel smarter.

Whether you’re a seasoned traveller or a first-timer, we’re here to help you feel empowered to travel further, safely.

Finding cover for Existing Medical Conditions (EMCs)

Have an EMC? We can provide cover for various conditions to help keep you exploring, safely.

We can help protect you while you cruise

Hopping aboard a cruise ship on your next trip? Discover how our Cruise Cover could help safeguard you.

What you should know before you hit the slopes

Planning a ski trip at home or abroad? Don't depart without considering our snow sports cover.

Got a question about travel insurance? We're here to help

What is travel insurance.

Travel insurance is a specific type of insurance that helps cover several costs and disruptions when travelling both domestically and overseas. Levels of cover differ per plan; however, travel insurance can typically help protect against trip cancellation, delays, lost luggage and personal belongings, overseas medical expenses and repatriation, and personal liability.

Most travel insurance providers offer single or multi-trip policies, which can cover multiple countries within a specific timeframe. Things like the destination, length of trip, optional additional cover for specific activities and pre-existing medical conditions all help determine the cost of a travel insurance policy.

How much does travel insurance cost?

The cost of a travel insurance policy varies from traveller to traveller because various factors affect the amount payable.

At Cover-More, we consider a number of factors when calculating the total amount payable. The following is a guide on these key factors, how they combine and how they may impact the assessment of risk and therefore the premium paid:

• Area: higher risk areas cost more.
• Departure date and trip duration: the longer the period until you depart and the longer your trip duration, the higher the cost may be.
• Age: higher risk age groups cost more.
• Plan: International Comprehensive+, which provides more cover, costs more than International Comprehensive or Domestic.
• Excess: on some policies you can choose the excess amount.
• Cruise cover: additional premium applies.
• Cancellation cover: on some policies you can choose your own level of cancellation cover. The more cancellation cover you require, the higher the cost may be.
• Adding cover for Existing Medical Conditions and pregnancy (where available): additional premium may apply if a medical assessment is completed and cover is accepted by us.
• Options to vary cover (where available): additional premium applies.

While a cheaper policy cost upfront may seem appealing, always read the Policy Wording to ensure your needs are adequately covered should an incident occur.

How does travel insurance work?

Travel insurance protects you when travelling domestically or internationally by providing coverage against unforeseen circumstances that may impact your travel plans. By purchasing travel insurance with cancellation cover prior to departure, your policy can help by providing cover for the costs of trip cancellations should you no longer be able to travel, as well as the costs of overseas medical treatment, lost passports, and personal items while you’re travelling.

The customer usually pays for these costs upfront, before being reimbursed by the travel insurer upon claim approval. To approve a claim, travel insurers require documentation such as medical reports, itemised medical bills or police reports to confirm the incident occurred.

However, at Cover-More, if our customer becomes ill overseas, they can also contact our 24-Hour Emergency Assistance team for support and to seek approval for expensive medical bills to be paid directly by us to the medical care provider/s instead.

Always read the Policy Wording before purchasing a travel insurance policy to ensure it provides adequate coverage for your circumstances.

What does – and doesn’t – travel insurance cover?

Unfortunately, travel insurance can’t cover absolutely everything. This highlights the importance for travellers to read the  Policy Wording  before purchasing to avoid becoming frustrated if claims are unsuccessful. It will contain details on the situations you likely won’t be covered in, including cancellation, pre-existing medical conditions, theft or loss of belongings, adventure sports, COVID-19 scenarios and more.

For full details of the exclusions within our Cover-More travel insurance plans, consult the  Policy Wording .

When is the best time to purchase travel insurance?

The best time to purchase travel insurance is as soon as a trip is booked, as this can increase protection. When purchased ahead of time, a Cover-More customer can cancel their travel insurance policy for a full refund within the 21-day cooling-off period. If the policy is purchased before departing on the trip, claims for rearrangements and cancellations caused by unforeseen circumstances can also be made where cancellation cover is added to the policy.

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Cover for your overseas adventures

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Financial Strength Rating

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

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

Financial advice

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

More information

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

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

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

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Where are you going.

Single Trip

Select a country in the area of travel based on where you will spend the most time on your journey

Note: If you plan to spend more than 20% of your time in the Americas or Antarctica, you must select a country from the area that includes these countries.

Annual Multi-Trip

Select a country you are planning to visit in the area which will cover all the countries you plan on visiting over the year. If you plan to visit a country in the Americas, or Antarctica, you must select a country in the area that includes these countries.

Cover includes domestic journeys provided the destination is more than 100 km from your home in New Zealand. If less than 100 km, your trip must include at least one night paid accommodation booked with an accommodation supplier or provider.

• United States of America (USA)
• Cook Islands
• Not Sure? See Region List
• Antarctica - Sightseeing Flight
• Antigua And Barbuda
• Cayman Islands
• Dominican Republic
• El Salvador
• Falkland Islands
• Northern Mariana Islands
• Puerto Rico
• St. Kitts and Nevis
• St. Vincent and Grenadines
• São Tomé and Príncipe
• United States of America
• Virgin Islands, U.S.
• Afghanistan
• Bosnia and Herzegovina
• Burkina Faso
• Cape Verde Islands
• Central African Republic
• Congo, The Democratic Republic Of
• Czech Republic
• Equatorial Guinea
• Faroe Islands
• French Guiana
• Guinea-Bissau
• Ivory Coast
• Korea, Republic Of
• Liechtenstein
• Moldova, Republic Of
• Netherlands
• Saudi Arabia
• Sierra Leone
• South Africa
• Switzerland
• Trinidad And Tobago
• Turkmenistan
• United Arab Emirates
• Vatican City
• Northern Ireland
• United Kingdom
• Lao People's Democratic Republic
• Marshall Islands
• Philippines
• American Samoa
• French Polynesia
• New Caledonia
• Norfolk Island
• Papua New Guinea
• Solomon Islands
• Western Samoa
• New Zealand

Dates of Travel

Departure date (travel start date).

Single Trips

The date you depart your home in New Zealand

If you purchase this policy on your trip after leaving home, this cover is subject to a 3-day no-cover period. This means there is no cover under any section of the policy for any event that has occurred already or that arises within the first 3 days of buying the policy.

Cover under the 'Amendment or cancellation costs' benefit begins from the time you buy your policy.

Cover under all other sections begins from the departure date you select.

Annual Multi-Trips

The date your policy will commence

For further information we recommend you read the definition of 'Relevant Time' and 'Period Of Insurance' in the Policy Wording.

Return Date (Travel End Date)

The date you return to your home in New Zealand

Your Annual Multi-trip Policy will expire 12 months from the commencement date of the policy.

Ages of travellers

Who is going.

Enter the current age (at todays date) of each traveller, including children, who you want to cover with insurance.

Click Add+ if you need to add more travellers

Accompanied Children are your children or grandchildren plus one non-related child per adult policyholder who are identified on the Certificate of Insurance and travelling with You on the Journey, provided they are not in full-time employment, they are financially dependent on You and they are under the age of 21 years. See the Policy Wording for more information.

Do all travellers live in NZ?

Most policies can only be issued to New Zealand citizens and permanent residents of New Zealand who:

• Will be returning to New Zealand at the completion of the period of insurance and within 12 months of the journey commencing;

If you are visiting New Zealand from another country you should select New Zealand as your Destination

Travel insurance for your flight, holiday or adventure

Whether you travel once a year or you're a frequent flyer, we have comprehensive travel insurance options for single and annual multi-trips – overseas or travel around New Zealand.

Air New Zealand travel insurance also includes medical expenses and limited cancellation expenses related to Covid-19.

Plus, you can earn Airpoints Dollars™ on every policy or pay using Airpoints Dollars.

Covid-19 cover included

We provide Covid-19 benefits on both Single Trip and Annual Multi-Trip policies to help you travel with greater confidence.

Access to a Travel Doctor

As a policyholder you have access to our bonus Travel GP service free of charge. If you're feeling ill and need to talk to a doctor we can put you in touch with an Australian-based doctor via telemedicine.

Existing Medical Conditions

We can cover a range of existing medical conditions. There are 39 already included in our policies, and you can apply online as part of your policy purchase.

Free cover for children

Free travel cover for accompanying children or grandchildren under 21.

Travel Delay

We automatically include coverage in our comprehensive policies for travel delay of over 6 hours.

Use your Airpoints Dollars™

You can use your Airpoints Dollars to purchase your travel insurance policy. Sign in at any time.

Free look period

Once you’ve purchased make sure you read the policy. If you're not sure you can cancel within 21 days and get a full refund. ** 

Why choose Travel insurance from us?

Air New Zealand has partnered with Cover-More Travel Insurance to bring you world-leading comprehensive insurance for travel within New Zealand and around the world.

Cover-More is part of the Zurich Insurance Group, one of the world’s largest insurance companies. For more than 30 years, Cover-More travel insurance and their 24/7 emergency assistance services have helped Kiwis all over the world.

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Travel Insurance

Why do i need travel insurance.

Part of the travel experience is heading into the unknown. Being well prepared is the best way to start. Travel insurance covers you from the moment you purchase the Policy until you come home safely. You’re even covered for cancellation before your trip takes off.

Along the way you’ll be covered for unexpected events beyond your control, including lost bags and unlimited medical cover. You’ll find a summary of our policies in our Policy brochure. For full details of cover and exclusions, see your House of Travel consultant.

We’re hugely passionate about travel and have teamed up with Allianz Partners, a world leader in assistance and travel insurance.

Allianz Partners has direct support worldwide, from people who care about people. With 33 centres operating in 28 countries.

Together, we offer an unparalleled standard of emergency medical assistance to policy holders.

Make an online claim

As part of your claim you may be required to: 1. Provide supporting documentation such as original invoices, receipts, and other vouchers relating to your expenses or loss. 2. Produce your policy details 3. Provide all the information required to enable the claim to be considered.

What documentation is required to make a claim?

You must give any information reasonably asked for to support your claim at your expense, such as, but not limited to, police reports, valuations, medical reports, receipts or proof of ownership. If required, you may be asked to provide translations into English of such documents to enable Allianz to carry out our assessment of your claim. • For loss or theft of your baggage or personal effects, you should notify the local police or local government authority with 24 hours and you must obtain a copy of the incident report. • For damage or misplacement of your baggage or personal effects caused by the airline or any other operator or accommodation provider, report the damage or misplacement to an appropriate official and obtain a written report, including any offer of settlement that they make. • For medical or dental claims please contact Allianz Partners as soon as practicable and ensure that you retain all reports, receipts, doctor’s certificates and other information.

Important claims information

All claims are paid in New Zealand dollars. Allianz will pay you unless you advise to pay someone else. The rate of currency exchange that will apply is the rate at the time you incurred the expense. Depreciation will be applied to claims for Luggage and Personal Effects at such rates as reasonably determined by Allianz Partners. If you can make a claim against someone in relation to a loss or expense covered under this policy and you do not get paid the full amount of your claim, Allianz will make up the difference. You must claim from them first.

Emergency assistance

If you require emergency assistance while you are travelling you should contact the Allianz Global Emergency Assistance Team. When you call please have your name, policy number, details describing your emergency and a contact phone number, including area code to provide ready for the operator. Within New Zealand: 0800 778 103 Reverse charge call through telephone operator: +649 486 6868 It is important that travellers tell Allianz immediately when they become aware of any circumstances that may give rise to a claim. If you require assistance with a claim while overseas, you need to call and they will give advice on what to do. If you are asked to submit a claim, you must do this within 30 days of your return to New Zealand. To reduce delays in processing a claim, travellers should ensure documentation is submitted at the time of claim.

Travel Insurance FAQs

No , travel insurance is the same price if you buy it straight away, or on the day of departure. Delaying the purchase simply leaves you uninsured for the travel funds you have just invested. More than a third of all claim costs paid by Allianz Partners are for customers that were unable to travel due to unexpected events, so we strongly recommend to everyone to take out travel insurance on the day you pay your deposit.

No , travel insurance policies can vary greatly, so it is very important that travellers check through and make sure that the policy suits your needs.

Yes, travel insurance is needed for all international travel. Some people assume that they don’t need travel insurance because New Zealand has a reciprocal health agreement with Australia. However, not all health costs are covered, including ambulance call outs, doctor visits or private hospitalisation.

As there are no reciprocal health agreements in place with the South Pacific nations, any healthcare costs need to be paid for. Even relatively small injuries or illness can run into thousands of dollars.

Travel insurance policies can differ greatly, including the level of cover, automatically included benefits, exclusions and terms and conditions.

It is important to check that the policy meets your requirements for cancellation benefits, coverage of any pre-existing medical conditions and coverage of higher value personal effects. We recommend that travellers check through the policy to make sure that it meets your needs. 

Buying a travel insurance policy at your local store will provide you with back up and support from your House of Travel consultant. With customer permission, our booking system also allows us to track our customers around the world. This has proved to be incredibly useful during crisis around the world.

With House of Travel Travel Insurance, Allianz Partners’ doctors, registered nurses, logistic professionals and support personnel will be there for you. If you need emergency help, call Allianz Partners toll-free 24/7. The assistance team based in Brisbane will assign you a case manager who will assist.

For non-emergency help or to lodge a claim you can contact Allianz Partners claims team who are based in Auckland. > Make an online claim

• 8. How do I declare my pre-existing medical conditions? Your House of Travel consultant will give you a toll-free telephone number to call the Allianz Partners' medical assessment team, Monday-Friday, 9-5pm. Please have your travel insurance policy or quote number ready to give to the medical assessor. You will be asked a series of questions about your medical conditions. If you are unsure of your conditions, please discuss with your treating doctor first. 

Yes, House of Travel strongly recommends you register your travel plans at www.safetravel.govt.nz before you travel. Safe Travel is the official registration website for New Zealanders travelling or living overseas. Ask your House of Travel consultant for our travel insurance Policy Wording. 

Quick Links

• Cancel Policy
• Make a claim

Get an instant quote

Do you want to cover multiple trips, annual multi-trip  covers an unlimited number of return journeys overseas over a 12 month period from the date your insurance starts which you can choose., when are you travelling, select the dates you will depart from and return to new zealand. , cover starts on the date you select, and you will have 12 months of cover from this date., where will you be travelling, you should make sure it’s safe to travel to your destinations by checking for travel advisories on the safetravel website . to understand how travel warnings and advisories might impact your cover, check our frequently asked questions ., popular destinations, south pacific.

• Cook Islands

North and South America

• United States of America
• Netherlands
• United Kingdom

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Travel insurance that’s always by your side

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Your policy in your pocket... and more

Register your trip in our app for access to your travel insurance policy details, as well as up-to-date travel advice, real-time safety alerts and 24/7 emergency assistance, all in the palm of your hand.

Travel's back on - and we've got your back

Feel in control by choosing the most suitable plan for you

Feel safe with 24/7 access to Emergency Assistance

Feel joy with 80+ adventure activities included

Feel confident with our 35+ years of travel expertise

Looking for the best travel insurance plan for your holiday?

Whatever your travel budget, style or needs, let's travel the world together - safely.

International Basic

Essential cover designed for Australian travellers on a budget.

Pre-trip cover if you're diagnosed with COVID-19

On-trip cover if you're diagnosed with COVID-19^##

Unlimited~ overseas emergency medical expenses^

Up to $5,000 luggage cover

Existing medical conditions cover available

Optional cancellation cover

Single Trip policies

Annual Multi-Trip policies^

Rental vehicle insurance excess

International Comprehensive

Extensive cover and benefit limits to provide extra financial protection.

Pre-trip cover if you're diagnosed with COVID-19#

On-trip cover if you’re diagnosed with COVID-19 while travelling^##

Up to $15,000 luggage cover*

Optional cancellation cover with Cancellation Extensions

Single Trip or Annual Multi-Trip^^ policies

Rental vehicle comprehensive cover

International Comprehensive +

Everything our Comprehensive Plan includes and more + higher benefit limits.

Pre-trip cover if you’re diagnosed with COVID-19 before travelling#

Up to $25,000 luggage cover*

Business trip benefits

* Item limits apply.

~ Cover will not exceed 12 months from onset of the illness, condition, or injury.

^ For cruise-related expenses, Cruise Cover must be included in the policy. There is no cover for cabin confinement related to COVID-19.

^^ Policy availability subject to age, trip duration and area of travel. Policies may not be available to all travellers.

# Up to $5,000 per policy (or the amount chosen if this is less) applies to International Comprehensive Plan and Comprehensive+ Plan policyholders with Amendment or Cancellation Costs cover included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply.

## Up to $5,000 per policy (or the amount chosen if this is less) applies per policy for policyholders with Amendment or Cancellation Costs cover included. You must be diagnosed with COVID-19 and certified by a qualified medical practitioner as being not fit to travel for cover to apply. A special excess applies.

Searching for COVID-19 cover?

To help you explore the world with confidence, our travel insurance provides cover for COVID-19-related:

Overseas medical costs*~#

Amendment and cancellation costs*^

Additional expenses*#^

*Limits, sub-limits, conditions, and exclusions apply.

~Medical cover will not exceed 12 months from onset.

#Cover for medical costs related to COVID-19 is not available on our Domestic Plans.

^A special excess will apply.

Holiday hasn't  gone to plan?

You can submit a Cover-More travel insurance claim online at any time – and from anywhere.

Get emergency support, fast. We're here 24/7.

When adventure awaits... we can help provide cover.

Setting sail for two or more nights? You'll need to let us know and Cruise Cover will be added to your policy.

Snow Sports

Hitting the slopes? Consider protecting your winter getaway with one of our two levels of Snow Sports Cover.

Adventure Activities

Planning on engaging in extreme activities? We've got two additional Adventure Activities Cover options for you.

Motorcycle & Moped

Want to take to the road on two wheels? See if one of our Motorcycle/Moped Riding Cover options is right for your trip.

We're by your side when you need us most

We've been protecting Australian travellers for over 35 years. Read our customers' Cover-More travel insurance reviews to discover how our expert team provides exceptional care during uncertain times.

Mosquito bite in Bali

Shannon was bitten by a mosquito in Bali, which caused Dengue Fever.

"Cover-More were absolutely fantastic. I wasn't responding well to medical treatment, so they flew in a specialist from Singapore to accompany me all the way home. I'm so glad I had Cover-More travel insurance."

Boat crash in Thailand

Natalie was involved in a speedboat crash in Thailand, which resulted in a fractured pelvis and a brain haemorrhage.

"Luckily I had Cover-More insurance. They took care of everything and made sure we had the best medical treatment available."

Accidental fall in Poland

Irene was visiting family in Poland when she had a fall, which resulted in a bad fracture and extensive medical costs.

"Amazing. I can't praise them highly enough. Wonderful, wonderful people... Nobody should travel without insurance."

Protect your trip with us - get a free travel insurance quote now.

How can we help you travel smarter.

Whether you’re a seasoned traveller or a first-timer, we’re here to help you feel empowered to travel further, safely.

Finding cover for Existing Medical Conditions (EMCs)

Have an EMC? We can provide cover for various conditions to help keep you exploring, safely.

7 ways COVID-19 has changed the way we travel

Worried about travel risks during COVID-19? Discover how you can help ensure a safer trip.

What you should know before you hit the slopes

Planning a ski trip at home or abroad? Don't depart without reading our expert advice.

Got a question about travel insurance? We're here to help

What is travel insurance.

Travel insurance is a specific type of insurance that helps cover several costs and disruptions when travelling both domestically and overseas. Levels of cover differ per plan; however, travel insurance typically protects against trip cancellation, delays, lost luggage and personal belongings, overseas medical expenses and repatriation, and personal liability.

Most travel insurance providers offer single or multi-trip policies, which can cover multiple countries within a specific timeframe. Things like the destination, length of trip, optional additional cover for specific activities and pre-existing medical conditions all help determine the cost of a travel insurance policy.

How much does travel insurance cost?

The cost of a travel insurance policy varies from traveller to traveller because various factors affect the amount payable.

At Cover-More, we consider a number of factors when calculating the total amount payable. The following is a guide on these key factors, how they combine and how they may impact the assessment of risk and therefore the premium paid:

• Area: higher risk areas cost more.
• Departure date and trip duration: the longer the period until you depart and the longer your trip duration, the higher the cost may be.
• Age: higher risk age groups cost more.
• Plan: International Comprehensive+, which provides more cover, costs more than International Comprehensive or Domestic.
• Excess: the higher the excess the lower the cost.
• Cruise cover: additional premium applies.
• Cancellation cover: on some policies you can choose your own level of cancellation cover. The more cancellation cover you require, the higher the cost may be.
• Adding cover for Existing Medical Conditions and pregnancy (where available): additional premium may apply if a medical assessment is completed and cover is accepted by us.
• Options to vary cover (where available): additional premium applies.

While a cheaper policy cost upfront may seem appealing, always read the Product Disclosure Statement to ensure your needs are adequately covered should an incident occur.

How does travel insurance work?

Travel insurance protects you when travelling domestically or internationally by providing coverage against unforeseen circumstances that may impact your travel plans. By purchasing travel insurance with cancellation cover prior to departure, your policy can help by providing cover for the costs of trip cancellations should you no longer be able to travel, as well as the costs of overseas medical treatment, lost passports, and personal items while you’re travelling.

The customer usually pays for these costs upfront, before being reimbursed by the travel insurer upon claim approval. To approve a claim, travel insurers require documentation such as medical reports, itemised medical bills or police reports to confirm the incident occurred.

However, at Cover-More, if our customer becomes ill overseas, they can also contact our 24-Hour Emergency Assistance team for support and to seek approval for expensive medical bills to be paid directly by us to the medical care provider/s instead.

Always read the Product Disclosure Statement before purchasing a travel insurance policy to ensure it provides adequate coverage for your circumstances.

What does – and doesn’t – travel insurance cover?

Unfortunately, travel insurance can’t cover absolutely everything. This highlights the importance for travellers to read the  Product Disclosure Statement  before purchasing to avoid becoming frustrated if claims are unsuccessful. It will contain details on the situations you likely won’t be covered in, including cancellation, pre-existing medical conditions, theft or loss of belongings, adventure sports, COVID-19 scenarios and more.

For full details of the exclusions within our Cover-More travel insurance plans, consult the  Product Disclosure Statement  .

When is the best time to purchase travel insurance?

The best time to purchase travel insurance is as soon as a trip is booked, as this can increase protection. When purchased ahead of time, a Cover-More customer can cancel their travel insurance policy for a full refund within the 21-day cooling-off period. If the policy is purchased before departing on the trip, claims for rearrangements and cancellations caused by unforeseen circumstances can also be made where cancellation cover is added to the policy.