Why do I need travel insurance for New Zealand?

 

With so much to see and do, from Queenstown’s adrenaline-filled adventures to Rotorua’s geothermal wonders, your Kiwi escapade should be nothing short of legendary. But sometimes, travel plans can go sideways — and that’s where our New Zealand travel insurance can help.

Picture this: your flight to Auckland gets delayed due to weather, your luggage decides to take a vacation of its own to Christchurch, or you take an unplanned tumble while tackling one of New Zealand’s epic hikes. Bumps like these could knock your plans off course, but with our travel insurance in New Zealand, they don’t have to ruin your trip. We help with eligible inconveniences and help reimburse unexpected costs, so you can stay focused on creating unforgettable memories.

Still wondering if travel insurance is worth it for New Zealand trips? Keep reading to see how our plans can offer financial protection from the Bay of Islands to the wilds of Fiordland and everywhere in between. It’s time to say “Kia Ora” to a smoother New Zealand adventure!

  • Top benefits of having travel insurance in New Zealand

  • Whether you’re walking through vineyards in Marlborough or whale watching in Kaikoura, our New Zealand travel insurance offers you coverage where it counts. Here’s a quick peek at some perks of our coverage for travelers in the South Pacific.
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Emergency medical
and dental expenses

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Trip
cancellation

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Trip
interruption

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Lost, stolen,

delayed, and damaged

baggage

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Travel
delay

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Primary
coverage

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How to choose travel insurance for your New Zealand trip

Compare our New Zealand travel insurance plans to prepare for unexpected mishaps like delays, illnesses, or sudden cancellations during your vacation. From exploring the volcanic landscapes of the North Island to glacier trekking in the South Island, we have a plan for every traveler and every trip.

Ultimate

Want our best travel insurance for your New Zealand trip? This plan offers our highest benefit limits and nine optional upgrades. From the waterfalls of Fiordland National Park to the beaches of Abel Tasman National Park, you can have extensive coverage tailored to your trip. View more >

Advantage

Looking for a middle ground between basic and premium travel insurance in New Zealand? This plan offers solid protection and up to six optional upgrades without the premium cost of our top-tier plan. It’s great for travelers seeking security without paying for added benefits.View more >

Essential

Want simple coverage in New Zealand? No worries — our Essential plan has your back with the basics, plus 24/7 travel assistance and up to six optional upgrades. It’s perfect for both relaxed and adventurous travelers exploring the South Pacific without breaking the bank.View more >

Reasons to pack our travel insurance for New Zealand

 

Whether you’re exploring Hobbiton, sailing in the Bay of Islands, or tackling the mighty Mount Cook, our plans help you handle “uh-oh” moments from sprained ankles to storms delaying flights.

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24/7 assistance

Need help with a missed connection or finding a doctor in a remote area? Our assistance provider is here to help you anytime, anywhere with personalized support from practicing doctors, travel specialists, and more.
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Expertise on the go

You’ll have access to our Travel On app with any of our plans. It lets you stay informed with instant alerts about safety risks, New Zealand-specific health and crime information, and other important travel info while you’re in the “Land of the Long White Cloud.”
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Customizable

From heli-skiing adventures near Wanaka to scenic road trips through the Southern Alps, our best New Zealand travel insurance offers optional upgrades to help your policy pair well with your South Pacific bucket-list activities.

 

FAQs about finding the best travel insurance for your New Zealand getaway

How can I get travel safety alerts while I’m in New Zealand?

Staying informed on the go is crucial, especially when you’re navigating a new destination. Our Travel On app is included with all our policies and provides instant updates on safety issues, nearby risks, and travel info tailored to your location.

 

It’s also worth keeping up with updates from the U.S. government, including travel alerts or advisories for New Zealand. The Smart Traveler Enrollment Program (STEP) provides helpful safety messages while you’re traveling, so it’s smart to sign up before you leave for the South Pacific.

Do I need travel insurance for New Zealand if I’m traveling with an organized tour?

Absolutely. Even with an organized tour, your trip can run into challenges like missed flights, sudden illnesses, or unforeseen cancellations.

 

Our travel insurance for New Zealand can help get your trip back on track if your plans start to go offroad. From a canceled day tour of the Waitomo Glowworm Caves to emergency medical costs while trekking the Kepler Track, you’ll be thankful you planned ahead with our coverage and support.

Can I get coverage for driving a rental car in New Zealand?

Yes. Driving through New Zealand’s stunning landscapes is bucket-list worthy, but accidents can happen. Our optional rental car damage upgrade helps defend your finances against eligible damage to rental cars from floods, theft, collisions, and more.

 

Before you rent, keep in mind that mopeds, motorcycles, and specialty vehicles aren’t eligible for coverage.

Can I get coverage for adventure activities in New Zealand?

You bet! Our base coverage applies to specific lower-risk activities like hiking, boat tours, and wildlife safaris.

 

For higher-octane thrills like bungee-jumping, skydiving, or deep-sea scuba adventures, you’ll want to add our adventure activities upgrade. It’s a trusted travel insurance addition for adrenaline junkies exploring New Zealand’s wild side.

 

Can I get cruise travel insurance for New Zealand?

Absolutely — our policies offer coverage for cruises in New Zealand.

 

Whether you're voyaging along New Zealand's stunning shores or discovering its beautiful islands, our New Zealand travel insurance offers support for unexpected trip disruptions, medical emergencies, evacuations, and even missed connections related to your cruise schedule.

Can I get coverage if I think I may have to cancel my New Zealand trip?

Yes, our Ultimate, Advantage, and Essential plans offer trip cancellation coverage for specific eligible reasons outlined in your policy, such as unexpected medical emergencies or unforeseen natural disasters.

 

Want more reassurance? With our cancel for any reason* upgrade, offered exclusively with our Ultimate plan, you’ll gain the flexibility to cancel your trip for any reason up to two days or more before your departure. This upgrade means you’ll be eligible for reimbursement of up to 75% of your insured trip expenses, providing an additional layer of financial protection.

 

Important to note: To be eligible for our cancel for any reason coverage, you must purchase this upgrade within 21 days of your first trip payment and no later than 31 days before your departure date. Additionally, you need to insure the full amount of your prepaid, nonrefundable expenses, up to a maximum limit of $10,000 per person.

 

*Cancel for any fortuitous reason is applicable in NY.

If I’m visiting multiple countries, will my travel insurance for New Zealand apply to my entire trip?

Yes — your travel insurance applies wherever you go as long as the countries you visit aren’t on our blocked destinations list.

 

When getting a quote, just list New Zealand as your primary destination if you’re spending the most time there. For instance, if your plan includes five days in New Zealand and three days in Fiji, New Zealand should be your destination.

Ready to venture to the South Pacific with travel insurance for New Zealand?

Our caring team is here to help you feel secure on your Kiwi adventure.

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