Home / Travel Insurance / International / New Zealand

Travel Insurance for your New Zealand Holiday

milford sound

What you need to know about protecting your trans-Tasman trip

If you are travelling to New Zealand from Australia, you can protect your holiday with Cover-More. From the Fiordland National Park to the Waitomo Caves, this stunning country has so much to offer visitors. While New Zealand is just a short flight away, you may still want to be protected against the unexpected. Choose from our Premium International Policy or a Medical Only Plan so you can travel with peace of mind.

If you are a regular traveller to New Zealand or anywhere else in the world, you may want to consider an Annual Multi-Trip (AMT) Policy. It is ideal for travellers who have multiple trips planned over the course of a year. Depending on your circumstances, you might save time and money with an AMT Plan.  

Wanting to protect your trip to New Zealand? It only takes a few minutes to get a quote online. Or call us on 1300 72 88 22 and we can assist.

Check out our travel tips for New Zealand to find out what you need to know.

Policy benefits you can enjoy with Cover-More

Choosing your travel insurance can be an important part of planning an overseas holiday. Our policies can provide peace of mind from the moment you leave your front door until you return home. Cover-More offers a Premium International Policy or a Medical Only Policy for travel to New Zealand.

Premium travel insurance

Our Premium International Policy is a comprehensive travel insurance plan. You can be protected against unforeseen medical and dental expenses, travel delays, lost luggage, rental car excess cover and so much more! If you are going on a cruise or partaking in winter sports activities, you can include the relevant optional cover to vary your policy for an additional premium.

Medical Only cover

You can also select our Medical Only Plan when organising a trip to New Zealand. This is a ‘back to basics’ option for travel insurance. It can provide protection for unexpected medical and dental emergencies as well as personal liability.

Compare our travel insurance plans and benefit levels for New Zealand

International Premium
(Single Trip or Annual Multi-Trip)
International Medical Only
(Single Trip)
Overseas medical and dental* $Unlimited~# $Unlimited~#
Additional expenses* $Unlimited# $Unlimited#
Amendments or cancellation costs* $You choose^ -
Luggage and travel documents* $15,000 -
Delayed luggage allowance* $750+ -
Money $250 -
Rental car insurance excess $6,000∞ -
Travel delay* $2,000 -
Resumption of journey $3,000 -
Special events $5,000 -
Hospital incidentals* $6,000 -
Hijacking* $5,000 -
Loss of income $10,400# (up to $1,733.33 per month) -
Disability $25,000# -
Accidental death $25,000# -
Personal liability $2,500,000 $2,500,000

~Medical and dental cover will not exceed 12 months from onset of the illness, condition or injury.
∞Additional cover available.
^Cover chosen applies per policy.
+Delayed luggage allowance only applies if you have not received your luggage after 24 hours. Refer to the combined FSG/PDS for full details.
*Sub-limits apply. Please refer to the policy wording in the combined FSG/PDS.
†Maximum liability collectively for Loss of income, Disability and Accidental Death is $20,000 on the International Plan.
#Reduced limits may apply for customers 70 years of age or over at the Relevant Time. Limits will be shown on the Certificate of Insurance.

For full details of terms and conditions, sub-limits and exclusions that apply, please read the Product Disclosure Statement before purchasing our travel insurance products.

Adventure sports in New Zealand

New Zealand is the ultimate destination for adrenaline sports and exploring the great outdoors. A bucket list item for many travellers to New Zealand is bungee jumping. Why not do it at the birthplace of bungee on Kawarau Bridge? But if bungee jumping isn't for you, New Zealand offers a host of other action-packed activities. White water rafting, jet boating, scenic hiking, and skydiving are all very popular.

Our policies automatically provide cover for a huge range of adventure sports. We don’t want you to miss out on adrenaline-filled fun while in New Zealand. We offer protection for many of the activities you might plan on doing. You can find our list of covered activities here.

Planning on hitting New Zealand's beautiful ski slopes? You can add Winter Sports cover to your policy for an additional premium. It can cover accidents or injuries sustained while you are skiing, snowboarding or snowmobiling. This includes emergency evacuation, ambulance, and hospital expenses. Just remember that cover only applies if you are on-piste, not competing in a professional capacity and not racing.

There is also optional cover available to vary your policy if you plan on riding a motorcycle or moped in New Zealand. Be sure to read our PDS to understand what you are and are not covered for. Call us on 1300 72 88 22 if you have any questions.

Protecting your adrenaline-filled trip to New Zealand can be affordable and easy with Cover-More. Get a quote online.

sky dive

New Zealand cruise cover

One of the best ways to discover New Zealand is on a cruise. The country's rolling hills, remote coastlines, and deep fjords are best seen from the deck of a boat. If you are cruising to New Zealand from Australia or doing a cruise when you get there, you may want to add cruise cover to your policy. An additional premium will apply. Our optional Cruise Cover can protect you from unexpected onboard medical costs and emergency evacuations. If you or your luggage misses the boat, you may also be covered for that too. Be sure to read our PDS to understand what you are and are not covered for. You can get a free quote for your New Zealand cruise on our website.  

Hiring a vehicle in New Zealand

Road trips in New Zealand have become one of the main things to do and for good reason. It's a convenient way to see the sights and immerse yourself in New Zealand's wilderness. If you're thinking of renting a car or motorhome in New Zealand, your premium international policy automatically provides cover up to $6,000 under the rental car insurance excess benefit. If you would like to increase this amount, you can select additional cover up to $3,500. An additional premium will apply. Before you leave, make sure your driver’s licence is valid in Australia as well as New Zealand. It is very important to know what you’re covered for, so please read our PDS to find out the terms, limitations and exclusions of the policy.

Driving in a new country can be stressful. Here are our tips for having a safe and fun holiday on the road:

  • Snow and ice can be dangerous for drivers who are unfamiliar with these conditions. Check the weather forecast and ensure you are carrying snow chains if necessary. This is important if you’re attempting to cross a mountain pass such as the Crown Range.
  • Take regular breaks if you're driving long distances. It is a good way to take in the beautiful scenery and stay alert on the road.
  • It is easy to underestimate driving times when looking at a map. New Zealand is full of winding roads that require slow and careful driving. Always allow for extra time to get to your next destination.
  • Access roads to New Zealand's ski resorts are narrow and winding with steep drop-offs. They should be attempted with caution. Most resorts will have a shuttle bus at the base of the mountain if you want to opt for a stress-free trip up to the slopes. 

scenic drive on south island new zealand

Travel tips

We know planning a trip overseas can be daunting. Countries around the world can be very different to Australia, and New Zealand is no exception - even if we are close neighbours! Have a read of our travel tips for New Zealand to find out what you need to know before departing on your holiday. 

Contact us

Get in touch with Cover-More to see what our coverage options are. Generate a free quote online to see how affordable travel insurance for New Zealand can be. Or call our friendly team on 1300 72 88 22.

Would you like more information? Visit our frequently asked questions page.