New Zealand’s dramatic landscapes and outdoor adventures make it a dream destination. Prepping for a trek through Milford Sound? Looking to relax and unwind in hot springs? Whatever you’ve got planned, our travel insurance for New Zealand has you protected at every turn.
What is New Zealand travel insurance and do you need it?
New Zealand is an adventure-lover’s paradise. Filled with stunning landscapes and exciting activities at every turn. In fact, over 60% of outdoor activities involve walking, trekking and hiking.
That said, accidents can happen. New Zealand’s Mountain Safety organisation expects around 3,000 people to be injured hiking. And that’s just over the three popular summer months of December to February.
While your GHIC card won’t help you here, travel insurance will. You’ll be covered for costs from trip cancellations, medical emergencies, lost luggage, and delays. Planning something more adventurous? You can also add cover for activities like rock climbing or skydiving.
Here are a few reasons why travel insurance for New Zealand is a must:
Pre-existing medical conditions. If you or your partner have any pre-existing medical conditions, don’t worry. Just declare them when you buy your policy, and you’ll still be covered.
Repatriation cover. The cost of being flown back to the UK from New Zealand can be sky-high. Although the UK has a reciprocal healthcare agreement, it does not cover transport. An air ambulance back to the UK can cost almost £5,000.
Travel disruptions. New Zealand’s wild landscapes come with risks like earthquakes and storms. In 2023 Cyclone Gabrielle caused damage and flooding that led to travel disruptions. If your plans are affected, travel insurance can cover cancellations, delays, or extra accommodation costs.
Lost or stolen valuables. Even in safe places like New Zealand, losing your valuables happens. Especially while adventuring in the countryside. Whether it’s your passport, tech gear, or suitcase, our insurance has you covered.
Be sure to check the latest FCDO travel advice for your holiday destination and read our policy wording. That provides full terms and conditions, including what is and isn’t included with our cover.
We will consider all pre-existing medical conditions. Find out more about medical travel insurance.
The excess and amount of cover available varies depending on the level of travel insurance you buy. Check the policy wording to see the full terms and conditions
What’s not covered?
Each provider will have different things it can or cannot include in a policy. However, there are some situations travel insurance will not cover. For example:
You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
All of our travel insurance policies include cover for cancellation of your trip. There may, however, be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
Planning a road trip through stunning landscapes? Or maybe you’re trekking through the breathtaking mountains? Wherever your adventures take you, it’s important that you’re fully covered. Whether you’re exploring or relaxing, the right cover lets you focus on making memories.
Here’s some of the extras you can add:
Family trip? Our travel insurance covers you and your family under one policy. If you’re biking along the scenic trails of Rotorua, our cycling insurance can cover those adventures, too. You can also add gadget cover to protect your phones, cameras, and laptops throughout your journey.
Planning a cruise? From the Bay of Islands to Milford Sound there’s lots to explore by boat. Our cruise cover protects against missed departures or unexpected disruptions on water.
Staying for an extended visit?Single trip travel insurance allows you to explore for up to 365 days. If you plan multiple trips this year, our annual multi-trip insurance has you covered for every journey.
Thinking about exciting outdoor activities? Enjoy hiking in Tongariro National Park or bungee jumping in Queenstown? We’ve got you covered for extreme sports.
We’re here to protect you on your adventure. To find out what is and isn’t included, be sure to read our policy wording.
How to book New Zealand travel insurance
We make getting a quote for New Zealand travel insurance quick and easy:
A. Tell us a few details about your trip
Let us know where and when you’re going, and who you’re travelling with. Then tell us about any pre-existing medical conditions you wish to cover.
We’ll show you your quote, then all you have to do is decide if you want to buy it now or save it for later.
“New Zealand’s landscapes provide the perfect backdrop for endless adventures. Whether you’re trekking, bungee jumping, or exploring, each journey promises a unique experience. Our New Zealand travel insurance keeps you protected on your trip. Travel this stunning country knowing you’re covered for unexpected costs. We cover medical emergencies and trip cancellations. Even extreme activities like skydiving and whitewater rafting. We’ve got you covered every step of the way.“
“Finally we found an insurance company that will cover us at a reasonable price. We are both over 75 now and with serious medical conditions. We wanted insurance for just over 5 months to stay with family in New Zealand. Even companies that advertised for up to 85 years of age and extended stays wanted thousands of pounds. Finally, a friend told us to try InsureandGo. Straight through no messing, an easy-to-use website, cost us less than £2000.
Definitely recommend InsureandGo especially to people of our age group and will use them again.”
Looking for travel insurance to New Zealand from the UK? Join the happy customers who gave InsureandGo a four or five-star rating for our European cover.
Yes, New Zealand’s healthcare system is one of the top 20 healthcare systems in the world. However, treatment for international visitors can still be costly.
It’s important to declare your pre-existing conditions when purchasing your travel insurance. If you don’t, any emergencies related to your condition might not be covered while you’re in New Zealand.
Our easy online medical screening helps you get a quote quickly and stress-free. If you’d rather talk to someone instead, please get in touch with us. For more details on pre-existing conditions, check our policy wording.
Frequently Asked Questions on New Zealand travel insurance
Can I get travel insurance that covers both New Zealand and Australia?
Yes, you can get travel insurance that covers both New Zealand and Australia. Our single and annual travel policies allow you to travel between the two. Be sure to check the policy details to ensure both countries are included.
Do UK citizens get free healthcare when travelling in New Zealand?
No, UK citizens do not get free healthcare when travelling in New Zealand. While there is a reciprocal healthcare agreement between the two countries, it only covers some emergency treatments. Travel insurance is essential to cover any other medical expenses, such as hospital stays or specialist care.
Do I need travel insurance for New Zealand?
While it isn’t compulsory, travel insurance is essential for many reasons. While New Zealand is a safe country, accidents can happen. From lost passports and electronics to medical emergencies, travel insurance keeps you protected.
How much is travel insurance for New Zealand?
The cost of travel insurance for New Zealand varies depending on factors. This includes:
Your age
The length of your trip
The level of policy cover you go for
Any pre-existing medical conditions
Whether you want an annual or single trip policy
Any policy add-ons you need
Want to learn more? Call our team on 0808 281 0594 or get a quick and easy quote online now.
When should I buy travel insurance for New Zealand?
You should buy travel insurance as soon as you book your trip to New Zealand. This way, you’re covered for any unexpected cancellations. This includes illness or travel disruptions before your departure. The earlier you buy it, the sooner you’re protected.
Does standard travel insurance cover extreme sports in New Zealand?
Adventure sports are popular in New Zealand. Most standard travel insurance policies don’t cover extreme sports like bungee jumping, skiing, or white-water rafting. However, you can add extreme sports cover to your policy. That will keep you protected during these adventurous activities. Always check your policy to see what’s included.
Who can buy an InsureandGo New Zealand travel insurance policy?
Our travel insurance policies are available to all UK residents. This means you need to:
Have lived in the UK or the Channel Islands for at least six of the last 12 months.
If you’ve got more questions about how our single trip travel insurance works, or more general travel insurance queries, have a read through our FAQs.
Travel advice
Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.
Travel insurance reviews
If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.
* Discount excludes any premium generated to cover medical conditions or optional extras. This offer cannot be used in conjunction with any other offer. Ends 31/12/25. Terms and conditions apply.
