New Zealand Travel Insurance - Get a quote



Important Travel Alert:

Before you buy, please read our travel alerts.

Why Do I Need Travel Insurance In New Zealand?


Cost of an air ambulance from New Zealand to Perth.


Weekly hospital fees for a patient in ICU in New Zealand.* 


Cost of repatriation on a plane from New Zealand to Sydney.

And Did you know...?

  1. 1.  Nearly a quarter of Australians think the government will pay your medical bills overseas. But the government doesn’t cover GP costs, the full cost of medication, evacuation, or ambulance travel. 

  2. 2.  Around 13,000 people get injured each year while skiing or snowboarding in New Zealand.
  3. 3.  Australians took out second place in 2016 for visitor car accidents in New Zealand (number 1 spot went to Chinese visitors).
  4. 4.  In 2015 there were 23.1 million mishandled bags around the world – with 20% of New Zealand 1Cover claimants losing their luggage in 2016/17.


Travel insurance can't prevent things from happening. But if you have 1Cover, you'll have someone there when one thing goes wrong. Keep reading to find out everything you need to know about travel insurance for New Zealand.

*if not covered by the RHCA.

What Are My Travel Insurance Options For New Zealand?

Option 1


This is our highest level of cover. 


Option 2

Medical Only

For medical expense coverage only.

Option 3

Frequent Traveller

If you travel more than once a year.

We've provided an outline for each of the options below. If you need more information or need to view the terms and conditions, please take a look at the PDS, or get an instant quote now.


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Option 1: Comprehensive Cover


Comprehensive Travel Insurance is our highest level of cover, with optional add-ons for snow, cruise, extra rental vehicle excess, and high-value items.

If you have pets, we include vet fees if your pet gets sick while you're away, and we'll pay pet boarding fees if you're delayed. 

For a detailed outline of benefits and inclusions, as well terms and conditions, please refer to the PDS, or get an instant quote now.

New Zealand Travel Insurance Policy Benefit Overseas Single-Trip
medical Cover 

Overseas Emergency Medical Assistance^


Overseas Emergency Medical & Hospital Expenses^*


Includes Dental Expenses (per adult)^


Resumption Of Journey^*


Hospital Cash Allowance^*


Repatriation Of Remains


Permanent Disability^*


Loss of Income^*


luggage Cover 

Credit Card Fraud & Replacement^


Includes Travel Documents & Traveller's Cheques^


Theft Of Cash^#


Luggage & Personal Effects*


Luggage & Personal Effects Delay Expenses^


cancellation Cover 

Additional Accommodation & Travel Expenses*


Includes Family Emergency*


Includes Emergency Companion Cover*


Cancellation Fees & Lost Deposits*


Disruption Of Journey*


Alternative Transport Expenses^


ancillary Cover 

Personal Liability#

$5 million

Domestic Pets^*


Domestic Services^*


Rental Vehicle Insurance Excess#*



Choose Add-ons For your Comprehensive cover

If you’re travelling with expensive new items, going cruising, hitting the ski slopes, or you're worried about car rental insurance excess, then you may want to select the following add-ons. 

Cruise Pack

Protect yourself while cruising in
New Zealand with our
Cruise Pack add-on.

Winter Sports Pack
Winter Sports

Cover yourself and your gear on your ski or snowboarding trip with our Winter Sports Pack add-on.

Cover for you rental vehicle
More Cover for Your Rental Vehicle 

We automatically cover rental excess up to $5,000. But you can increase this up to $8,000 if you need to.

High value item cover
High Value
Items Cover

Protect high-value items that are not automatically covered by your policy. Note: items cannot be older than 12 months.

Option 2: Medical Only Cover

If you're travelling on a budget, and looking for cheap travel insurance to New Zealand, then 1Cover’s Medical Only policy offers a cheaper alternative to comprehensive travel insurance. It's our most basic policy and will only provide cover for any medical expenses and emergency assistance costs

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the PDS, or get an instant quote now.

Medical Only Cover Policy
Medical Only Policy
Single Trip
medical Cover 

Overseas Emergency Medical Assistance^


Overseas Emergency Medical & Hospital Expenses^*


Includes Dental Expenses (per adult)^



Personal Liability#

$5 million

Option 3: Annual or Frequent Traveller Cover

Do you travel more than once a year to New Zealand? Then it might make sense to buy a multi trip annual policy. This works just like our comprehensive cover (detailed above), except you can take as many trips as you want in a year and you’ll still be covered.

Let us know the maximum trip duration of any one trip before selecting from the options below.


Frequent Traveller 21 days maximum


Frequent Traveller 45 days maximum


Find out which Annual Frequent Traveller cover policy would suit you best here. 

For a detailed outline of benefits and inclusions, as well as terms and conditions, please refer to the PDS, or get an instant quote now.


New Zealand Travel Insurance FAQs

  • Won't The RHCA Cover Me If I Require Medical Assistance In New Zealand?
  • The reciprocal health care agreement (RHCA) lets Medicare card-holding Australians access limited medical services. This means Medicare-eligible Australians in New Zealand are covered for in-patient public hospital treatments and accommodation.

    But the RHCA won't cover any prescription medicines/supplies, or any other medical treatments you require, including any hospital outpatient treatments and all private hospital services.

    The RHCA doesn't cover emergency evacuation and repatriation costs either. New Zealand has many isolated areas, and if you're injured or sick, you might need emergency evacuation to a major hospital.

  • Can I Apply To Extend My Travel Insurance Policy While I’m Away?
  • Yes, of course. If you want to extend your policy while you’re in New Zealand,  the easiest way to do this is via the Policy Manager.
    You'll need your policy number (available in the email confirming your policy), and a few other simple details. Log-in and extend your trip, add destinations, or buy add ons/extras.

    Make sure you extend your policy before it expires (please keep in mind Australian AEST/AEDST).

    If you have trouble, you can email us at [email protected]

    Please note there may be instances where a policy extension is not available. 

  • Do You Cover Skiiing & Snowboarding In New Zealand?
  • Yes, of course. Just add the Winter Sports Pack to your comprehensive policy. Thousands of Aussies head to New Zealand's ski fields every year, and this add-on covers you for medical emergencies, as well as equipment damage, weather delays, and piste closure. Find out more here. 

  • Do You Cover The Excess On A Rental Campervan Or Car?
  • Renting a car to see New Zealand is popular, but you need to be aware that car hire companies will often charge you a hefty excess fee if something happens to your hire car. So even if you take out insurance with your hire company, you might still be liable for thousands of dollars.

    We cover you up to $5000 for the excess that could be incurred in the event of an accident, whether it's your fault or not. We provide cover for rental cars, van, 4WD, or campervans (so long as the vehicle doesn’t exceed 4.5 tonnes).

    We also cover you for up to $500 to return your rental car if you are seen by a medical advisor and you have been deemed unfit to do so. For an additional premium, you can increase your Rental Vehicle Excess Add-On to $6000, $7000, or $8000. 

  • Will I Be Covered For Bungee Jumping In New Zealand?
  • Unlike many other travel insurance providers, 1Cover offers cover for bungee jumping in New Zealand, as long as it’s done with a fully licensed operated company, like AJ Hackett. We also cover 100+ other activities: check out the full list here.

  • Can I Choose My Excess?
  • Sure. If you choose a lower excess, it means you'll pay less if you need to claim, but you'll pay a little bit more upfront. If you opt for a higher excess, it means you'll pay less now and a little bit more if you need to claim.

  •  I Travel To New Zealand A Few Times A Year. What's Policy Is Best For Me? 
  • Our Frequent Traveller policy allows you to take as many trips under the one policy for 12 months and enjoy comprehensive cover on each one.

    Find out more about our annual travel insurance policies here.

  •  Will I Be Covered If Something Happens To Me While Under The Influence Of Drugs Or Alcohol?
  • Our policy states that any claim arising from being intoxicated, addicted or under the influence of liquor or drugs, except those prescribed by a Medical Adviser, will not be covered.

  • Do I need any vaccinations before Visiting New Zealand?
  • There aren't any compulsory vaccinations you need for New Zealand. However whenever you travel you should make sure you are up-to-date on routine vaccines. These include measles-mumps-rubella, tetanus, chickenpox, polio, and your yearly flu shot.

  • Do I need A Visa To enter New Zealand? 
  • Aussies planning to visit New Zealand for a holiday do not need to apply for a visitor visa, as Australia is on the visa-waiver list. There are some exceptions to this rule, which are mainly to do with how long you want to stay . If you have been sentenced to imprisonment, deported from any country, or have been involved in known criminal or terrorist groups, then you should contact the nearest High Commission or Consulate of New Zealand well in advance of travel for advice on visa requirements.

  • > What are New Zealand's Quarantine Regulations?
  • New Zealand has strict quarantine regulations, and instant fines are issued for failing to declare items for quarantine on arrival. Make sure you declare any foodstuffs, animal products or items used in the outdoors. People failing to declare biosecurity risk goods can receive an instant fine of $400, be fined up to $100,000 and/or face up to five years in prison. For more information visit the New Zealand Customs Service website or the New Zealand Immigration website. 

  • Do you cover cruising to New Zealand?
  • Yes, and if you’re cruising New Zealand’s spectacular waterways, it’s important to get travel insurance to cover you out at sea. Did you know if you go on a cruise in Australian waters you are no longer covered by Medicare or private health care? Additionally, things can happen on cruise ships, like losing power kilometers from land, or outbreaks of food poisoning that spread like wildfire. Luckily, you can choose a cruise-add on for your next trip. Find out more here. 

  • Do you cover seniors travelling to New Zealand?
  • We can provide cover to people of all ages. If you have any pre-existing medical conditions we may require a little more information from you and some exclusions may apply. See here for more details. 

  • Am I covered if i'm pregnant when i'm travelling to new Zealand?
    • If you're travelling to New Zealand while pregnant, you are covered for single foetus pregnancies, up to, and inclusive of, the 24th week of gestation. For multiple pregnancies, you'll be covered up to and inclusive of the 19th week of gestation. If you have had complications fromyour pregnancy, you’ll need to complete a medical screening.

      We will assess your application and decide whether and to what extent we can offer you insurance for your pregnancy and/or journey. If you have not told us about the circumstances of your pregnancy when you were required to do so, we may refuse your claim or reduce it to the amount we would have paid had you given us the required information.

      Please note: we will not pay any medical expenses for:
      a) Regular antenatal care;
      b) Childbirth at any gestation; or
      c) Care of the newborn child. 

      FInd more here. 

  • Am I covered if i'm going on a working holiday to New Zealand?
  • Yes, we will cover you if you have the intention of coming back home within 12 months of your departure. 

  •  Am I Covered For Travel Interruptions Caused By Earthquakes And Other Natural Disasters?
  • Travel insurance provides cover for weather events as long as they are unforeseen. The most common types of natural disasters in New Zealand are earthquakes, blizzards, landslides, and flooding. Our policies do not cover claims for losses caused by an event that you were aware of at the time of purchasing your policy.

    Once an event has become published in the mass media, it is expected that you have purchased your insurance with this knowledge in mind. 1Cover will, where possible, issue travel warnings in relation to such large scale events and the dates and times after which they are not seen as an unforseen event.

  • Can I Get Extra Cover For My High-Value Items?
  • Laptop computers, cameras, mobile phones…they’re all things we need on at home and on holiday. That’s why you can choose a bit of extra protection for your can’t-live-withouts. All you need to do is include and specify certain high-value items that aren't automatically covered when you're buying your policy.

    Note: the items cannot be older than 12 month, and you can't specify items like jewellery, watches, bicycles and watercraft (apart from surfboards).




The One thing These Aussies Needed in New Zealand


Zoe's Ski Accident in Queenstown

On the second day of her holiday, Zoe injured her knee while skiing in Queenstown. She was in a lot of pain and couldn’t ski for the rest of her holiday.

1Cover paid over $11,000 towards Zoe’s medical expenses and even covered her loss of income when she returned home.

1Cover Efficient, Responsive and Kind When I felt like my holiday was ruined. 

Rohan's lost iPhone

Rohan was on the Wellington to Picton cruise when his iPhone slipped out of his pocket in to the ocean, never to be seen again.

Rohan made a claim while he was on his holiday and 1Cover gave him back the cost of his phone (minus depreciation).

So annoying to lose my phone but I bought a new one while I was away which was handy.

Pamela's Cracked Windscreen

Pamela and her partner drove their hire car from Christchurch to Arthur’s Pass. There was a chip in the windscreen which resulted in a crack. The incident wasn’t their fault, but they were still charged hundreds by their rental car company.

Luckily, Pamela was able to get the cost of the screen reimbursed by 1Cover.

i was really upset because it wasn’t even our rental excess really catches you out.

Travel Insurance Award Winners 2023

mozo award

Travel Insurance Statistics

...they're interesting, really!


 Over 90% of travellers were covered by travel insurance the last time they went overseas.**


20% of 1Cover
claimants who travelled to NZ, lost or damaged
their luggage.*


25% of 1Cover claims for customers travelling to New Zealand were related to trip cancellation.*

*in 2016/2017
**Research conducted in 2016

How Will Travel Insurance Help Me In New Zealand?

medical assistance
24-Hour Medical Assistance

Whether you’re a thrill seeker or you’re having an adrenaline free trip, things can - and do - go belly-up. Lucky we’ll be there to assist with hospital stays or emergency evacuation if one thing goes really wrong.

your trip

Last year, nearly a quarter of New Zealand claimants needed reimbursement for trip cancellation. It’s disappointing to postpone or cancel, but having 1Cover can ease the pain if your plans change.

Ease Lost
Luggage Woes

A quarter of claimants who went to NZ needed new phones or lost/damaged other valuables. But you can rest easy with up to $15K cover for luggage and personal items (including cameras, glasses, laptops).

winter sports
Snow Sports

Damaged ski equipment, weather delay, and piste closure: they all ruin the fun of a New Zealand snow trip. So whether you’re in Queenstown or Canterbury, you might need our Winter Sports Pack add-on.

bungee jumping
Extreme Sports,
Done Safe

We’ll cover for things like bungy-jumping, jet-boating, zorbing, or climbing. Activities like this can be risky, but, unlike many other insurers, we cover a wide range of 100+ activities.

car hire
car hire

If you’re hiring a car/campervan, you could be hit by unforeseen costs due to car rental excess at the returns desk - even if you purchased insurance. But if you’ve got 1Cover, there's no nasty surprises.

disaster relief

New Zealand sits on several fault lines, making it prone to floods, earthquakes, and landslides. We can protect you from unforeseen risks – but always check the news and 1Cover's travel alerts before you book.

cruise pack
Control Your

Cruising brings a certain set of risks: lost possessions, missing pre-paid tours, and bugs spreading quickly on board. That’s why we’ve got a cruise insurance add-on for any boating mishaps.


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We've Already Helped 1.5 Million Customers

1Cover is rated 4.2 out of 5 by over 1639 reviews on
  • "Do not travel without 1Cover"

    We have used 1Cover for many years now and do not leave home without it. Great service, exceptional if you make a claim. Only insurer I would recommend. 

    By Ian, Nov 2022

  • Helpful, caring & supportive

    My husband required emergency surgery in the USA. There was no expense spared with either the medical costs (considerable) or our accommodation. We cannot speak highly enough of 1Cover and have recommended them to all our friends.  
    By Anonymous, Dec 2022

  • "great company"

    Found this company the best for insurance prior to Covid and especially now that travel has restarted. We had multiple credit vouchers that they have honoured with not problems. Thank you 1Cover for your great service. 

    By Bernadette, Dec 2022 

  • Easiest company

    You never know how good insurance is until you have to make a claim! 1Cover responded to us in their prescribed timeframe and our payout was made within 15 days. I would recommend them 100%. This is the seventh time we have used them and first time we had to claim. Well done! 

    By the Bakers, Nov 2022

Read More Reviews


If You Only Do One Thing...

new zealand
The One Thing You Should & Shouldn't Do In New Zealand

Award-winning travel writer Ben Groundwater reveals the one thing you should - and shouldn't - do in New Zealand.

The One Place To Party In
New Zealand

For those that love the nightlife, there's one city you should definitely hit if you want to party in New Zealand. 

The One Food You Have to Eat In New Zealand

Hint: it's not fish and chips, and it's definitely not Marmite. Find out what locals and visitors rave about eating. 


Before Your Trip...

Got some Questions? 

If you have any other questions that haven't been answered on this page, visit our FAQs section for even more information. From riding scooters to questions on skiing, cruising, and travelling with kids, you'll find what you need here. 

Know before you go

The one thing you should do before you get travel insurance is look at 1Cover Travel Alerts. Here you’ll find information on new and current travel events and what will be covered by your policy. 


One Last Thing: Emergency Contacts & How To Claim

We hope nothing goes wrong on your trip to New Zealand. But if it does, the resources in this section can help you.

The Australian High Commission is the official representative of the Australian Government in New Zealand. They provide a range of services to the general public, including consular, passport, visa and immigration, citizenship and cultural relations services. You can visit the Consulate General in Auckland or the High Commission in Wellington. 

Be informed. Be prepared. If you're across The Australian Government's Smart Traveller website, you'll have all the latest information for your New Zealand trip. Smart Traveller is a trusted resource for Australian travellers and is updated regularly, so make sure you bookmark this handy resource.

If you need emergency assistance in New Zealand, please call our 24/7 emergency medical assistance line  on (+) 61 2 8776 3010 or email [email protected]

For non-emergency assistance, you can message our Sydney-based support centre seven days a week

If something happens to you and it's not an emergency, you can start the claims process whenever it's convenient to you. Visit our online claims platform, and if you have all the necessary documentation, your claim will be processed in 10 business days. 

Planning an Activity In New Zealand?

Bungy Jumping In NZ
Bungy Jumping In New Zealand 

New Zealand has become the capital of bungy-jumping. It pays to be in experienced hands when you leap off a bridge - which is exactly what the folks at AJ Hackett are.  

Driving Holiday In NZ
Self-driving tours 

If you want to explore the hidden corners of New Zealand, check out New Zealand Self Drive Tours. They've been around for a long time and have a huge number of routes to choose from. 

Cruising In NZ
Cruising in New Zealand

Thinking about crusing to New Zealand and not sure where to start? Get some help from Cruise Critic, a leading cruise reviews site that hosts the largest cruise community in the world.

Please note, 1Cover does not endorse or sponsor these activities. Activities are listed for informational purposes only.

Still Need Some Help? Contact Us!

If you have any other questions or queries, please visit our Contact Us page. 
If you are experiencing an emergency, please use the details on our Emergency Assistance page.