Kiwi cover in a Flash
- ALL
TRAVEL ALERT: View the latest travel information that may affect your trip. See travel alerts
- BAL
TRAVEL ALERT: View travel updates on Bali Earthquake and My Agung Volcano
- USA
TRAVEL ALERT: Learn more about Kilauea Eruption, Hawaii, USA
- HKG
TRAVEL ALERT: Learn more about Hong Kong Protests and Closures
- CHN
TRAVEL ALERT: Learn more about Coronavirus Outbreak China
- JAP
TRAVEL ALERT: Learn more about Typhoon Faxai Japan
- CHL
TRAVEL ALERT: Protests and Rioting, Chile Chile Protests and Rioting
- ASM
TRAVEL ALERT: Measles Outbreak, American Samoa Measles Outbreak, Pacific
- WSM
TRAVEL ALERT: Measles Outbreak, Samoa Measles Outbreak, Pacific
- PC
TRAVEL ALERT: Measles Outbreak, Pacific Measles Outbreak, Pacific
- TON
TRAVEL ALERT: Measles Outbreak, Tonga Measles Outbreak, Pacific
- FJI
TRAVEL ALERT: Measles Outbreak, Fiji Measles Outbreak, Pacific
TRAVEL INSURANCE FOR NEW ZEALAND
Whether you're swimming with dolphins in Kaikora or sailing around the Bay of Islands, our New Zealand travel insurance
policy will cover your Kiwi holiday for trip cancellation, lost luggage, family emergencies, rental vehicle excess & more!
What are you waiting for? Zoom to it!
COMPARE NEW ZEALAND TRAVEL INSURANCE
COMPARE PLANS(Benefits are per adult) Expand to see benefits & limits in detail
|
Medical Only | Standard | Comprehensive MOST POPULAR |
|---|---|---|---|
 MEDICAL
|
Unlimited | Unlimited | Unlimited |
| 24/7 Emergency Assistance Services | Unlimited | Unlimited | Unlimited |
| 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements. | |||
| Overseas Emergency Medical & Hospital Expenses^ | Unlimited | Unlimited | Unlimited |
| Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits. | |||
| Includes Dental Expenses (per person) | $500 | $500 | $500 |
| Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth. | |||
| Additional Expenses | - | $10,000 | $50,000 |
| Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas) | |||
| Includes Family Emergency | - | Yes | Yes |
| Cover for additional travel expenses such as your return flight to Australia if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies) | |||
| Includes Resumption of Journey | - | $3,000 | $3,000 |
| Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies) | |||
| Includes Emergency Companion Cover | - | Yes | Yes |
| Additional accommodation and travel expenses you incur to remain with your travelling companion. (no excess applies) | |||
| Hospital Cash Allowance^^ | - | $2,500 | $5,000 |
| An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas. | |||
| Accidental Death | - | - | $25,000 |
| A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies) | |||
| Permanent Disability^^ | - | - | $25,000 |
| A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies) | |||
| Loss of Income^^ | - | - | $10,400 |
| Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to Australia. (no excess applies) | |||
|
CANCELLATION
|
- | $25,000 | Unlimited |
| Cancellation Fees & Lost Deposits | - | $25,000 | Unlimited |
| Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters. | |||
| Alternative Transport Expenses | - | - | $5,000 |
| Reasonable travel expenses incurred to reach special events such as weddings, funerals, conferences and sporting events on time following transport delays beyond your control. (no excess applies) | |||
| Travel Delay Expenses | - | - | $2,000 |
| Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies) | |||
|
LUGGAGE
|
- | $7,500 | $7,500 |
| Luggage & Personal Effects | - | $7,500 | $7,500 |
| Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones. | |||
| Luggage & Personal Effects Delay Expenses^^ | - | - | $250 |
| Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies) | |||
| Travel Documents & Transaction Cards^^ | - | $2,000 | $5,000 |
| Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution. | |||
| Theft of Cash^^ | - | - | $250 |
| Cover for cash, bank notes, currency notes, postal orders or money orders stolen from you during your journey. | |||
|
PERSONAL LIABILITY
|
$2,500,000 | $2,500,000 | $5,000,000 |
| Personal Liability | $2,500,000 | $2,500,000 | $5,000,000 |
| Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you. | |||
Medical Only
Show Benefits-
MEDICAL Unlimited
- Overseas Emergency Medical Assistance^ Unlimited
- 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
- Overseas Emergency Medical & Hospital Expenses^ Unlimited
- Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.
- Includes Dental Expenses (per person) $500
- Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
- Additional Expenses -
- Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas)
- Includes Family Emergency -
- Cover for additional travel expenses such as your return flight to Australia if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies)
- Includes Resumption of Journey -
- Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)
- Includes Emergency Companion Cover -
- Additional accommodation and travel expenses you incur to remain with your travelling companion. (no excess applies)
- Hospital Cash Allowance^^ -
- An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
- Accidental Death -
- A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)
- Permanent Disability^^ -
- A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)
- Loss of Income^^ -
- Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to Australia. (no excess applies)
-
CANCELLATION Unlimited
- Cancellation Fees & Lost Deposits Unlimited
- Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.
- Alternative Transport Expenses -
- Reasonable travel expenses incurred to reach special events such as weddings, funerals, conferences and sporting events on time following transport delays beyond your control. (no excess applies)
- Travel Delay Expenses -
- Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
-
LUGGAGE -
- Luggage & Personal Effects -
- Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
- Luggage & Personal Effects Delay Expenses^^ -
- Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)
- Travel Documents & Transaction Cards^^ -
- Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
- Theft of Cash^^ -
- Cover for cash, bank notes, currency notes, postal orders or money orders stolen from you during your journey.
-
ANCILLARY $2,500,000
- Personal Liability $2,500,000
- Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
- Rental Vehicle Insurance Excess Optional
- Cover for the excess payable on your rental car's insurance in the event of accidental damage or theft during the car rental period.
-
Note: Benefit limits shown are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller.
^^ There is no cover for these benefits while travelling in Australia.
Sub-limits apply to some sections. Please refer to the section titled Cover Benefits In Detail of this PDS for more information.
Standard
Show Benefits-
MEDICAL Unlimited
- Overseas Emergency Medical Assistance^ Unlimited
- 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
- Overseas Emergency Medical & Hospital Expenses^ Unlimited
- Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.
- Includes Dental Expenses (per person) $500
- Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
- Additional Expenses $30,000
- Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas)
- Includes Family Emergency Yes
- Cover for additional travel expenses such as your return flight to Australia if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies)
- Includes Resumption of Journey $3,000
- Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)
- Includes Emergency Companion Cover Yes
- Additional accommodation and travel expenses you incur to remain with your travelling companion. (no excess applies)
- Hospital Cash Allowance^^ $2,500
- An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
- Accidental Death -
- A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)
- Permanent Disability^^ -
- A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)
- Loss of Income^^ -
- Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to Australia. (no excess applies)
-
CANCELLATION Unlimited
- Cancellation Fees & Lost Deposits Unlimited
- Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.
- Alternative Transport Expenses -
- Reasonable travel expenses incurred to reach special events such as weddings, funerals, conferences and sporting events on time following transport delays beyond your control. (no excess applies)
- Travel Delay Expenses -
- Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
-
LUGGAGE $5,000
- Luggage & Personal Effects $5,000
- Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
- Luggage & Personal Effects Delay Expenses^^ -
- Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)
- Travel Documents & Transaction Cards^^ $2,000
- Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
- Theft of Cash^^ -
- Cover for cash, bank notes, currency notes, postal orders or money orders stolen from you during your journey.
-
ANCILLARY $2,500,000
- Personal Liability $2,500,000
- Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
- Rental Vehicle Insurance Excess Optional
- Cover for the excess payable on your rental car's insurance in the event of accidental damage or theft during the car rental period.
-
Note: Benefit limits shown are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller.
^^ There is no cover for these benefits while travelling in Australia.
Sub-limits apply to some sections. Please refer to the section titled Cover Benefits In Detail of this PDS for more information.
Comprehensive
Show Benefits-
MEDICAL Unlimited
- Overseas Emergency Medical Assistance^ Unlimited
- 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
- Overseas Emergency Medical & Hospital Expenses^ Unlimited
- Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.
- Includes Dental Expenses (per person) $500
- Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
- Additional Expenses $50,000
- Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas)
- Includes Family Emergency Yes
- Cover for additional travel expenses such as your return flight to Australia if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies)
- Includes Resumption of Journey $3,000
- Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)
- Includes Emergency Companion Cover Yes
- Additional accommodation and travel expenses you incur to remain with your travelling companion. (no excess applies)
- Hospital Cash Allowance^^ $5,000
- An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
- Accidental Death $25,000
- A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)
- Permanent Disability^^ $25,000
- A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)
- Loss of Income^^ $10,400
- Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to Australia. (no excess applies)
-
CANCELLATION Unlimited
- Cancellation Fees & Lost Deposits Unlimited
- Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.
- Alternative Transport Expenses $5,000
- Reasonable travel expenses incurred to reach special events such as weddings, funerals, conferences and sporting events on time following transport delays beyond your control. (no excess applies)
- Travel Delay Expenses $2,000
- Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
-
LUGGAGE $7,500
- Luggage & Personal Effects $7,500
- Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets and mobile phones.
- Luggage & Personal Effects Delay Expenses^^ $250
- Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)
- Travel Documents & Transaction Cards^^ $5,000
- Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
- Theft of Cash^^ $250
- Cover for cash, bank notes, currency notes, postal orders or money orders stolen from you during your journey.
-
ANCILLARY $5,000,000
- Personal Liability $5,000,000
- Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
- Rental Vehicle Insurance Excess Optional
- Cover for the excess payable on your rental car's insurance in the event of accidental damage or theft during the car rental period.
-
Note: Benefit limits shown are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller.
^^ There is no cover for these benefits while travelling in Australia.
Sub-limits apply to some sections. Please refer to the section titled Cover Benefits In Detail of this PDS for more information.
Note: Benefit limits shown are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller.
^^ There is no cover for these benefits while travelling in Australia.
Sub-limits apply to some sections. Please refer to PDS for more information.
NEW ZEALAND QUICK GUIDE
Flights from the Australia's east coast are as little as three to five hours to most of New Zealand's major cities. As Australian travellers don't need a visa to travel, there's no reason you can't be hitting up the slopes, heading to Hobbiton, or experiencing some of New Zealand's incredible cultural and environmental treasures soon.
No matter which kind of New Zealand holiday you're planning, Zoom's customisable policies have got your back. Budget and backpacking travellers may prefer Medical Only cover, or you can choose a Comprehensive Travel Insurance to protect you in the event of travel delays and cancellations. Skiing, hiring a car, or trying some adventure activities - we've got add ons for those too!
Compare our travel insurance plans now.
VISAS FOR NEW ZEALAND
These rules can change quickly. Contact your nearest New Zealand Embassy or Consulate before you travel for the most up to date information.
BEST TIME TO VISIT
ARRIVAL
Auckland city is about a half hour drive from the airport. The SkyBus Airport Transfer bus is a great way to get to the city centre or North Harbour. It can be around $20. Otherwise, you can choose a taxi (~$38-$65 to the CBD), or the Super Shuttle, which also takes you to your door for as low as $17.50pp. There's two hours of free wi-fi in the airport, so no stress if you need to check your bookings or get information. Tourism Auckland's i-SITE information centre is in the ground floor of the arrivals area, and is open seven days a week. They can help with transport, accomodation, tours and car rentals.
Christchurch
Christchurch city is about a twenty minute drive from the airport. Just like in Auckland, you've got the option of the Super Shuttle, or cabs, or you can try the public commuter bus system. They also have an i-SITE on site, and unlimited wi-fi.
Wellington
Wellington city is also about twenty mintues from the airport. Instead of Super Shuttle, Wellington has the Airport Flyer, where adult tickets start from $12. Otherwise, a taxi starts from around $20.
GETTING AROUND
Renting a car or a campervan is one of the best ways to see everything New Zealand has to offer. Check out our rental vehicle cover before you hit the road.
Bus/Coach
The National coach system Intercity is a great way to get around if you're not keen on hiring a car. They offer cheap tickets to most towns and cities in New Zealand, and have a multi pass option to save if you'll be using a lot.
The major cities also have hop-on hop-off tourist bus routes to help you see the most popular destinations in a convenient way. They can be more expensive than the standard commuter buses though, so if you're on a budget, do as the locals do!
Train
Honestly, the train network in New Zealand is quite limited - it doesn't run very often and goes to very few places, so it isn't the most popular option for tourists. If you're looking for a scenic way to cross the island with zero stress though, it's the way to go.
WHERE TO GO
Marae, or meeting areas, are complexes of carved buildings and spaces beloning to particular families or tribes. They are used for all manner of social occasions, including meetings, education, funerals and celebrations. The carved meeting house, a wharenui, is a special place - so always remove your shoes, and seek permission before taking photos. Visitors are generally welcome to look from the outside of the marae, but you cannot walk on it or enter the wharenui without formal permission from the local community.
Rotorua
This popular destination is known for its bubbling pools of mud and sulfur. 230km south of Auckland, it looks like another planet, and smells exactly like rotten eggs.
Dark Sky Reserve
The world's largest dark sky reserve - Aoraki Mackenzie Dark Sky Reserve is a 4300 square kilometre area of the South Island. It has some of the darkest skies in the world, which means it is the best place to see the stars, and even catch a glimpse of the Southern Lights.
Te Wairoa Buried Village
New Zealand's Pompeii, this village was buried by the erruption of the Mount Tarawera volcano in 1889. The excavation site includes a musum and a reconstruction of a colonial pioneer cottage.
MUST KNOW TIPS
ZOOMING ELSEWHERE?
Are you planning to zoom somewhere else on your holidays? We've got plenty of helpful advice on other popular travel destinations to check out. What are you waiting for? Zoom to it!WHY BUY WITH ZOOM
RENTAL VEHICLE EXCESS
Hiring a car for your Kiwi adventure? Our rental vehicle excess add-on covers you for dings, dents and theft. Yeah Bro!
Travel delays
Don't let delays to your destination get you down in the dumps! Cover your Kiwi travel disruptions in a flash...We keep things zippy!
LUGGAGE COVER
Packed your camera, skis or hiking gear? Take off without a worry as all your gadgets are protected with Zooms high level luggage cover.
Adventure activities
Water rafting in Waitomo, or Bungeeing in Queenstown? Zoom to great cover with our adventure pack.
excess reduction
Pay less in the event of a claim by reducing your standard excess for a small upfront fee during the quote process. Too easy!
24 hour help
Your health is our number one priority. Our emergency assistance experts are just a phone call away 24 hours a day, seven days a week.
easy claims
Who wants pages of paperwork! Our claims process is easy and we promise to assess fully documented claims in a flash.
Peace Of Mind
Zoom to Zen. You can sit back and relax on your holiday knowing that you’re covered by award winning travel insurance.
NEW ZEALAND TRAVEL INSURANCE FAQs
-
Do I need travel insurance for holidays to New Zealand?
-
Yes, although New Zealand and Australia share reciprocal healthcare agreements without travel insurance you would not be covered for any additional accommodation costs, luggage protection, flights for family members or medical repatriation back to Australia.
-
What is rental vehicle excess?
-
If you regularly hire a car on holiday then our rental vehicle excess add-on is a must for your next trip. Rent a car without stressing about the costs should you have a ding in your hire car, as we'll reimburse you for any liable costs.
-
Does travel insurance to New Zealand cover cruises?
-
No, not automatically. You must purchase our cruise pack in order to be covered for any medical treatment you receive on board and for helicopter evacuation should you need to get to the nearest hospital.
-
Does Zoom travel insurance cover skiing in Queenstown?
-
Whether you're shoop shooping down the black runs in Queenstown or shuffling down the bunny runs in Wanaka you must buy our snow pack cover to cover you for any snow sport activities. Snow pack provides cover for overseas emergency medical and hospital expenses, cover for piste closure, bad weather, avalanche and more.
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Am I covered for bungee jumping or skydiving in New Zealand?
-
Keen to jump the Kawarau brige or nervous for Nevis? Refer to our adventure activities page for more information on what we cover.
-
Am I covered for sailing in the Bay of Islands?
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Aye Aye captain! We have sailing restrictions, check out our adventure pack for more details.
-
I have high value items; how much can I insure them for?
-
If you have an expensive item that you just can’t leave behind you can insure it separately. Please note that high value item cover is only available under our comprehensive plan.
-
Am I covered if I miss a flight?
-
If you miss a flight due to bad weather, a natural disaster, strike, riot, hijacking or civil commotion, relax as you're travel insurance will come to the rescue. However if you miss a flight due to another airlines late departure, or typical travel delays caused by an airline, it usually falls on your transport operator to get you booked onto another flight.
FURTHER READING
Best Student Travel Insurance
Frequently asked questions on getting affordable student travel insurance. Customise your policy to get everything you need and don't pay for extras you don't.
ONTO TERIFFIC THAILAND
Whether you're riding elephants in Chang Mai, learning to dive in Koh Tao or boogying in Bangkok, travelling on holiday to Thailand should be terrific not tiresome.
FLY TO THE Philippines
If hiking through emerald forests, swimming in pristine water under year-round sun, or sharing in a rich multi-ethnic culture interests you, then look no further than the Philippines.
