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Travel insurance for your New Zealand holiday

What you need to know about travelling to New Zealand

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.

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 Winer sports activities, you can include these add-ons to your policy.

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 expenses - -

~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 add-on cover available 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. The cruise add-on can cover 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. 

New Zealand travel tips

It might be a short flight away, but New Zealand is still a separate country with a unique set of rules and regulations. It also has a very different climate to Australia. Here are some handy travel tips for your trip to New Zealand:

  • Your passport needs to be valid for at least six months after the date you intend to return home to Australia.
  • If you are a citizen or permanent resident of Australia, you do not need a visa to visit, live or work in New Zealand.
  • If you have prior convictions or have been deported from any country, you must contact a High Commission or Consulate of New Zealand. They will be able to provide advice on visa requirements. It is best to get in contact well in advance of your trip as you may not be guaranteed entry.
  • You can use your Australian licence for 12 months if you are road tripping around New Zealand. For longer than that, you will need to get a New Zealand licence to legally drive in the country.
  • The water in New Zealand's lakes, rivers, and ocean can be very cold. Be smart about the water sports you choose to do, and don't mix water sports and alcohol.
  • Hiking is a popular pastime in New Zealand and most travellers will do it to witness spectacular views. Weather can change quickly on mountain hikes. Make sure you tell someone where you'll be hiking and be prepared with warm layers. Hiring a Personal Locator Beacon (PLB) is a good idea and is considered a necessity if you're going off-trail.
  • New Zealand is subject to earthquakes, volcanic activity, and tsunami warnings. Always watch local alerts and remain aware. Be sure to follow instructions from law enforcement and evacuate from any areas if recommended to do so.  
  • Consider travelling with travel insurance. Get a quote online to protect your holiday to New Zealand.
new zealand scenery

Stay connected to Wi-Fi

When you're travelling the world, it's understandable that you want to stay connected. Planning your trip as you go, keeping in touch with friends and family, or sharing photos are all made a lot easier with Wi-Fi. You will find it quite easy to connect while in the cities at cafes, libraries, and information centres. Many accommodation providers will also provide Wi-Fi at no extra cost.

Outside of major towns and cities, Wi-Fi is not readily available. Many parts of New Zealand may have you without a connection. But take this as a good time to switch off and enjoy the wilderness without any online distractions.

There are many mobile apps that can help make your trip a little easier. Some of them are available for use without the internet. Our travel blogger Lisa shares her favourite mobile apps to use when exploring the globe. Find out which ones she recommends here

Our hot tip

Download what you need before you leave places with Wi-Fi. This is especially helpful when it comes to using offline maps. Many travel apps allow you to use them without an internet connection, but do require you to download what you need before you head off. Some simple planning and organization beforehand can go a long way!

Power Adaptors

If you are travelling internationally, you may need a power adaptor to use your electronics. Power sockets may differ from country to country, but Australia and New Zealand have the same. Both use the same angled two or three pin plugs.

Get a quote for travel insurance to New Zealand today!

Currency in New Zealand

New Zealand's unit of currency is the New Zealand Dollar (NZD). Check the exchange rates before you travel so you have a better idea of what things are going to cost. You'll find that all major credit cards can be used in New Zealand, but Visa and MasterCard are the most widely accepted. If you want to withdraw money, you can find ATMs almost everywhere.

There are no restrictions on the amount of foreign currency you can bring to or take out of New Zealand. If you're carrying more than NZ$10,000 in cash, you will be required to complete a Border Cash Report. Research this before you go to stay informed about any changes.

Don’t forget to tell your bank about your travel plans in advance. As a precaution against fraud, most banks have a policy to freeze your bank account if it is being used overseas – so let them know where and when your travel plans are so you don’t get caught out.

Our hot tip

It is a good idea to carry both cash and card when travelling. You should have multiple ways of accessing your money in case something goes wrong. If you happen to lose your bank card, it’s good to have some back up cash to get you through (and vice versa!). Often travel currency cards provide you with a primary and secondary card as a backup, so keep them safe in separate places in case one goes missing.

New Zealand Weather

New Zealand's North Island experiences moderate weather thanks to its subtropical climate. January and February are the warmest months and temperatures sit around the mid-twenties.

The South Island is not as warm as the North and has a more alpine climate. Most of the country's Ski resorts are inland on the South Island. Temperatures can be as low as -10°C (14°F) in the winter. In the cooler months, both the North and South island experience snow in the mountainous areas.

The North and South Islands can experience quick shifts in the daily weather. While the day might start as sunny and warm, it can end with a sudden drop in temperature. For this reason, always be prepared with warm layers, especially if you're hiking or spending time outdoors.

Seasons in New Zealand

new zealand weather

Protect your trip to New Zealand in case of weather-caused delays, natural disasters and so much more! Get a free quote today.

Travelling in a tour group

A popular way to see New Zealand is as part of a tour group. Tours can be a great way to meet people, experience the sights, and enjoy a stress-free holiday. With everything planned for you, all you have to do is sit back and relax.

There are tour operators throughout New Zealand. You'll find there are different tours suited for different age groups and budgets. If you're a backpacker, try looking for tours for people aged 18-31. There are plenty that incorporates fun nights out with sightseeing in the day.

Exploring New Zealand on your own

New Zealand is a great country to explore solo. The wilderness, mountains and hiking trails are the perfect backdrop for your new-found freedom. As one of the safest countries in the world, you'll find that many travellers choose to go at it alone. You'll have the independence to go at your own pace and plan your own itinerary. The bus network is extensive and quality hostels are found in most major towns. If you're interested in meeting new people, hostel common rooms are a good way to connect.

Popular destinations not to be missed

We all know that it’s impossible to see everything a place has to offer while on holidays. There is so much to see and do in New Zealand that it can sometimes be overwhelming with choices. We’ve chosen some of the best spots not to be missed below. You can also check out this suggested New Zealand itinerary for a first-timer


Surrounded by towering mountains and graced by the shores of Lake Wakatipu, on New Zealand’s South Island lies Queenstown. Whether you’re a thrill seeker or mild-mannered person, this resort town offers the best of both worlds. From bungy jumping to winery tours or simply taking in the stunning scenery, Queenstown has something for everyone. Watch as Dan, one of our travel bloggers shows off some of the highlights not to be missed in Queenstown.


Much like Queenstown, the city of Auckland on the North Island has something to appeal to anyone. From vibrant nightlife to spectacular hikes, Auckland shares its world class city with surrounding natural wonders. Known as one of the world’s largest Polynesian cities, experience the culture through museums and tours. With lots to see and do, Auckland is one of New Zealand’s largest and most diverse cities that is well worth your time. Check out our guide to Auckland.


In the heart of the Canterbury region lies the South Island’s largest city, Christchurch. This city stands out from the rest with its vast array of vibrant and innovative creativity. Urban regeneration flows through the city streets with new restaurants, bars, trendy shops and colourful street art. Despite this energy, the city stays true to its traditional heritage. Christchurch is without a doubt one of the world’s most unique destinations.


If you’re a ‘foodie’ then Wellington should be at the top of your New Zealand itinerary. Encompassed by nature, the city is one of rich culture and food, perfect for a short stopover. In a day you can explore countless museums, indulge in some of the world’s finest craft beer and wine, relax with a gelato on the city’s gorgeous waterfront or even witness the native animals of New Zealand in their natural habitat.


Rotorua is a New Zealand experience like no other. This extraordinary destination is home to countless bubbling mud pools, bursting geysers, natural hot springs and rich Maori history. Experience stunning geothermal activity with your own eyes at Wai-O-Tapu Thermal Wonderland or take it to the extreme with Skyline Rotorua and race down the thrilling Luge tracks. Want to see more of the Maori culture? Be sure to go to Te Puia for performances and to experience the Maori way of life.

Milford Sound

One of New Zealand’s most stunning natural attractions is Milford Sound. Cruising through this natural wonder, deep within Fiordland National Park, is a must-do on every New Zealand itinerary. By boat, kayak or helicopter, you can experience the astonishing aesthetic of the fiord’s cliff face that surrounds the water below. Not only will the countless waterfalls take your breath away but you’ll also see a range of intriguing wildlife. It’s a pure natural beauty just waiting to be seen.

Contact Us

Consider protecting your trip to New Zealand. Get in touch with us to discuss your travel insurance options by calling 1300 72 88 22. Or get a quote online to see how affordable it can be.

Visit our frequently asked questions page for more information.