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The best travel insurance for New Zealand travellers



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Having travel insurance will put your mind at ease throughout your trip, and will protect you should you encounter health issues or bigger emergencies.

Unfortunately, travel insurance is often overlooked before a vacation and choosing the right travel insurance for New Zealanders can be confusing.

Don’t worry, this article will guide you through everything you need to know about travel insurance and point you towards some of the best travel insurance for New Zealand travellers.

Why you should get travel insurance?

Whether you’re travelling for a few weeks or a few months, travel insurance is essential in making your trip as successful as it can be.

While we would like to, no one can predict the future and accidents can happen to the most cautious person in the safest city. And while services like hospital visits are covered in New Zealand, that’s not the case everywhere.

Hospital bills, emergency service receipts, and even rental car fees can do a lot of damage to your travel budget. By being prepared and purchasing travel insurance, you can avoid surprises that can turn your trip into a painful memory.

Travel insurance policies will cover services that include dental care, doctor visits, hospital services and more. And while most don’t need everything covered in their policy, there are some things you should definitely look for when it comes to finding the best travel insurance for New Zealand travellers.

Ensure these things are included in your travel insurance

It’s best to shop around when you first start looking for travel insurance, but there are a few things that you should make sure are included in travel insurance for New Zealanders.

Accidental Medical Coverage is important to have in any travel insurance policy. This covers hospital visits, doctors, dentists, ambulances etc. Should you trip and break your ankle while abroad, this coverage will come in handy.

In the event that you’re stranded in a remote environment or there is a death, Emergency Medical Coverage will come into play. This is very important since these costs can add up to the hundreds of thousands.

Travel insurance for New Zealand travellers

There are a number of options to choose from when it comes to finding the best travel insurance for New Zealand travellers. The perfect travel insurance for you will depend on your specific needs, destination and travel plans. Here are some of the best travel insurance companies for New Zealand travellers.

World Nomads

A popular option amongst frequent travellers around the globe, World Nomads offers a very flexible approach to travel insurance. You can purchase an insurance policy before or during your trip, with the ability to extend while abroad.

Their options are also minimalist with a ‘standard’ and ‘explorer’ plan and higher-risk activities can be added if needed. Along with a website that’s easy to use, this insurance provider is a top choice amongst backpackers and long-term travellers.

1 Cover

This travel insurance provider is a popular choice in Australia and New Zealand, with overall affordable policies. Their policies range from medical only to full coverage but won’t include high-risk activities like motor-biking.

Travel insurance for New Zealand travellers need to be purchased before your departure and cannot exceed three months.

Southern Cross New Zealand

Southern Cross is another travel insurance option highly favoured amongst New Zealand travellers. They’re known for their discounts and have a simple to use website which makes it easy to select the right plan for you.

Like 1 Cover, travel insurance must be bought before your trip, and coverage is available for a maximum of three months.

STA Travel Insurance

Popular with backpackers and student travellers, this New Zealand travel insurance company is the most expensive but offers a ton of coverage. Partnered with Allianz NZ, their policies cover high-risk activities and expensive items like winter sporting equipment.

This insurance option is best for those going to remote places or for those who intend to do adventure sports. To save costs, STA has a price match policy that could help thrill-seeking travellers on a budget.

You may need an ESTA to visit the United States. Visit our ESTA homepage for more information.

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