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New Zealand Travel Insurance
Please read the Target Market Determination and Product Disclosure Statement
- No upper age limit
- Over 1300 medical conditions covered
- Unlimited medical emergency expenses cover available with 24/7 emergency medical helpline
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Why is Travel Insurance important for New Zealand?
Comprehensive cover is a vital component of the New Zealand adventure of your dreams.
Some top reasons to get travel insurance for your trip to New Zealand are:
- Medical expenses: Australia has a Reciprocal Health Care Agreement (RHCA) with New Zealand, but it has many limitations. For example, it doesn’t cover care from a GP or other primary care, the full cost of medicines a GP prescribes, or ambulance travel. To ensure you can explore with confidence, you need travel insurance for your medical expenses.
- Travel disruptions: All kinds of incidents can cause disruptions to your travels. From travel delays to lost luggage, we offer cover for these potentially expensive occurrences.
- Natural disasters: New Zealand is prone to natural disasters, which may impact or even cancel your trip. AllClear Travel Insurance offers cover for trip cancellation resulting from natural disasters, where your holiday provider does not offer an alternative.
- Adventure activities: New Zealand is one of the world's top adventure destinations. With AllClear Travel Insurance, medical expenses resulting from these activities can be covered. We can also provide further cover for activities like skiing, including for the cost of lost, stolen or damaged equipment.
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
Do Australians need Travel Insurance in New Zealand?
Australia and New Zealand have a Reciprocal Health Care Agreement. Some emergency overseas medical costs can be covered under this agreement.
However, the agreement does have limitations. To enjoy complete peace of mind when it comes to medical expenses on your trip, travel insurance is still a great help.
Travel insurance can also help cover other costs that may arise on your New Zealand holiday. For example, AllClear's comprehensive Travel Insurance can cover rental vehicle insurance excess, lost or stolen belongings and more.
While the risks of financial hardship for Australian citizens in New Zealand aren't quite as great as in other countries, travel insurance is still an important addition for your trip.
Why choose AllClear for your New Zealand Travel Insurance?
At AllClear, we work hard to help as many people as possible travel with peace of mind. That's why our inclusive travel insurance is tailor-made for seniors and travellers living with pre-existing medical conditions.
Here are some reasons to choose AllClear for your New Zealand Travel Insurance:
- There is no upper age limit on our cover.
- We offer cover for over 1300 pre-existing medical conditions.
- We offer unlimited medical cover and a 24/7 medical emergency helpline.
- Since 2000, we’ve helped cover over 3.5M people worldwide, travelling to destinations all over the globe.
- 94% of customers rate us as ‘Great’ or ‘Excellent’¹.
Levels of Travel Insurance cover
We offer three levels of cover: Gold Plus, Gold and Traveller. The Traveller product is only available for Single Trip policies. This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
What does AllClear's New Zealand Travel Insurance cover?
Our holiday insurance provides cover for many disruptions or expensive events you might encounter on your New Zealand adventure. With our cover for seniors and people living with pre-existing medical conditions, it's easy for you to travel with confidence.
Be prepared so you can enjoy your holiday, knowing you're covered for medical expenses, cancellation costs and more.
What's covered?
Cover for the costs of tests, medications and procedures needed to treat illnesses or injuries while you're travelling. Our cover also includes the costs of repatriation to bring you back home.
If an unexpected event means you have to cancel your trip before you go, you'll be covered for flight and accommodation costs.
Cover for emergencies that mean you have to return home early.
We'll provide compensation for extra costs incurred for flight delays.
Your baggage and its contents are insured against loss or theft.
Cover for legal costs to claim compensation for incidents during your trip.
We have no upper age limit on our travel insurance policies. You can travel with peace of mind, no matter your age.
What’s not covered?
For most claims, you aren't covered for the travel insurance excess.
When you purchase a policy, you'll select a region of designated cover. If an incident occurs in a country outside of this region, you won't be covered.
You won't be covered for a travel insurance claim if it relates to events or issues you knew about before buying your insurance, or booking any individual trip.
We are not able to provide cover for treatment connected to known health concerns if you don't declare them.
Plans change, but you'll only be covered if a trip is cancelled for reasons outlined in the policy terms and conditions.
This is general advice only. Please read our Product Disclosure Statement (PDS) and Target Market Determination (TMD) to make sure this cover is right for you.
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How to find the best Travel Insurance for New Zealand
We have a range of different policy options to help you find the best cover for you.
Annual Multi-trip Travel Insurance
If you have multiple trips across the Tasman planned in a single year, this is the policy for you. You'll be covered for all your trips within a single year, while saving money along the way.
Single Trip Travel Insurance
Just have one trip planned? This policy will cover your bucket list trip around New Zealand.
Tailored Travel Insurance for every New Zealand holiday
Tailor your policy to the needs of your New Zealand adventure:
Pre-existing Medical Conditions
Travel insurance cover for over 1300 medical conditions.
Cruise Travel Insurance
Cover for events like missed ports and cabin confinement.
Seniors Travel Insurance
Our Travel Insurance policy has no upper age limit.
New Zealand Travel Insurance for pre-existing medical conditions
Bolster your financial security before travelling to New Zealand. Get cover that the Australia-New Zealand Reciprocal Health Care Agreement doesn’t offer.
With over 1300 medical conditions covered, AllClear is the ideal choice for your holiday. Whatever medical conditions you need to declare, we make it easy with a straightforward screening process. You can do this online, or over the phone.
Some major conditions we cover include:
Get covered for your New Zealand adventure
New Zealand is well known for adventurous activities. It has world-renowned ski fields, stunning hikes and much more.
AllClear offers cover for medical expenses that may arise from these activities and many others. From abseiling to windsurfing, you’ll be covered as long as you adhere to policy conditions.
Planning to hit the slopes in New Zealand? In addition to comprehensive cover for medical expenses resulting from skiing incidents, we can also cover other incidents that may arise. This includes theft or damage to your equipment, as well as piste closure.
If you're planning to use a rental vehicle to get around New Zealand, we're able to cover your rental car insurance excess. This applies if your vehicle is involved in a motor vehicle accident while you are driving, or is damaged or stolen while you are using it.
Our comprehensive Travel Insurance can cover your unforgettable time in New Zealand.
Get your Travel Insurance quote
Travel with confidence
Get covered for medical emergency expenses in New Zealand
AllClear Travel Insurance goes beyond what's covered in the Australia-New Zealand RHCA.
This allows you to travel with peace of mind, knowing many medical expenses you may face can be covered. We help to ensure you don’t face financial hardship if you’re injured in a motor vehicle accident, while doing outdoor activities or in a range of other situations.
We also offer cover for repatriation or evacuation costs you incur. In addition, we offer a 24/7 emergency medical helpline which you can use at any time.
For more information on our medical cover and exclusions, please see our PDS.
Travel safety tips for New Zealand
Here are some health and safety concerns for you to keep in mind when travelling in New Zealand:
- Weather events and natural disasters: New Zealand is prone to bad weather and some natural disasters. Refer to the Smartraveller website for up-to-date information on how weather events may affect you in the country.
- Rural road conditions: New Zealand's rural roads are quite different to Australia's. Conditions can be dangerous, especially during winter. Drive with caution, and fit snow chains to your rental vehicle where appropriate.
- Adventure activities: Adrenaline-pumping activities can add a lot to your holiday, but they can also carry safety concerns. Take all necessary precautions when participating in these activities, and ensure you are always abiding by the terms of your travel insurance.
What to do before travelling to New Zealand
To make sure you're all set for an amazing Kiwi holiday, here are a few items to tick off your checklist:
- Travel Insurance: Travel insurance is a core component of a relaxing (or exhilarating) New Zealand trip. Make sure you have the right cover for you. Be sure to carefully consider your medical conditions and what you'll be doing in New Zealand.
- Entry requirements: Most Australians don't need a visa to enter New Zealand, unless you have a criminal record or have been deported from another country in the past. You will need to complete a New Zealand Traveller Declaration Form before reaching passport control.
- Biosecurity: New Zealand has extremely strict biosecurity controls. You can read up on rules and regulations regarding bringing items into New Zealand here. Keep this in mind when packing for your trip.
Top places to visit in New Zealand
Here are a few of the most exciting locations to check out on your travels to New Zealand:
- Queenstown: Known as the "Adventure Capital of the World", Queenstown is the perfect spot for exciting outdoor activities or relaxing evenings on the shores of Lake Wakatipu.
- Auckland: New Zealand's largest city is a major cultural hub. It's home to some of the best restaurants in the country and famous attractions like Sky Tower.
- Christchurch: Things to see in the South Island's largest city include the Christchurch Gondola, Willowbank Wildlife Reserve and Sumner Beach. Don't forget to check out Quake City to see how the city has been rebuilt following the devastating 2011 earthquake.
- Fiordland National Park: Fiordland National Park is the place to take in the most awe-inspiring nature in New Zealand. Here, you'll find the famous Milford and Doubtful Sounds.
Being covered is as easy as 1, 2, 3
Get your quote in seconds
Provide your personal details and information about your holiday plans
Select and tailor your cover
Now all you need to do is to choose the level of cover that best suits your needs
Buy your cover and relax
Purchase your cover and you’re ready to go – we’ll take care of the rest!
Expert Travel Insurance guidance from our team
"New Zealand is naturally a top travel destination for Australians, with over a million travellers making the journey across the Tasman every year. While the Australia-New Zealand Reciprocal Health Care Agreement can reduce financial burdens for travellers, it's important not to overlook the importance of insurance.
AllClear's comprehensive travel insurance fills gaps in RHCA cover and means you can travel with peace of mind."
What our customers say
"Easy process and very competitive. Great to find insurance that covers existing medical issues."
see full reviewFAQs
Does New Zealand travel insurance cover rental vehicle insurance excess?
AllClear Travel Insurance covers rental vehicle excess if your rental vehicle is involved in a motor vehicle accident while you are driving. It also provides cover for incidents where your vehicle is damaged or stolen while in your custody.
Depending on which insurer you're covered by, rules around rental vehicle excess can be quite different. Make sure to carefully read your policy before renting a vehicle on your trip.
Do Australians need a visa to travel to New Zealand?
Most Australians do not need a visa to enter New Zealand. You will likely need to apply for a visa if you have prior criminal convictions, or you've previously been deported from a country.
What do Australians need to enter New Zealand?
In order to enter New Zealand, most Australians simply require a passport with 3 months of validity after your departure date. You'll also need to complete a New Zealand Traveller Declaration Form before reaching passport control.
Can you get Travel Insurance for skiing in New Zealand?
AllClear Travel Insurance is a great choice for a New Zealand skiing holiday. We offer cover for the following aspects of your holiday, provided you comply with policy conditions:
- Medical expenses related to injuries you may sustain while skiing.
- Piste closure.
- Certain expenses related to lost or damaged ski equipment.
What does Travel Insurance not cover?
Travel insurance may exclude claims related to:
- Travel to places with government travel warnings.
- Reckless behaviour.
- Events you knew about before buying your policy.
Make sure you are familiar with your policy terms so you know what you are and aren't covered for.
How much does Travel Insurance for New Zealand cost?
The price of New Zealand travel insurance depends on various factors. For example, a longer trip will be more expensive, as there's more time for things to go wrong on your holiday.
The cost of your travel insurance will also be affected by the likelihood of medical and hospital expenses being incurred. Premiums are impacted by your age and your pre-existing medical conditions.
Get an online quote or give us a call to find out how much New Zealand travel insurance will cost for you.
We’re here to help
Emergency assistance 24/7
Find out what to do if you need emergency medical assistance when on holiday.
Need to make a claim?
Find out what to do if you need to make a claim under your Travel Insurance policy.
Product Disclosure Statement
Find out all the cover details of the different policies.
Get your Travel Insurance quote
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¹Based on 1,718 Trustpilot responses.