Coronavirus Covid-19 update: The New Zealand government advises Do Not Travel overseas at this time. Because of this, most insurers have temporarily stopped selling travel insurance policies as you’re not covered if you travel against government advice. Learn more about the impact Covid-19 has on your travel insurance.
It depends! Unfortunately, the answer isn't a straightforward one. There are some situations where cover is available, and others where it is an exclusion. It largely depends on which insurer you bought your policy with; when you bought it; where you're travelling to; when you're travelling; and, the reason for your claim. One thing that is for certain - you're unlikely to be covered for claims relating to the coronavirus for future travel if you haven't yet purchased a travel insurance policy as this is a known event.
The best travel insurance for you depends entirely on your planned trip and your circumstances. If you're a backpacker on a tight budget, you might want a no-frills medical-only policy. Whereas, if you're heading on a once in a lifetime cruise, have outlaid a lot of money in upfront deposits or if you have health conditions, a comprehensive policy might be best for you. While there's no single best travel insurance that's right for everyone, finding a policy that works for you is easy when you use our quote comparison to start comparing prices and features. With Compare Travel Insurance, you can also read up on travel insurance reviews from customers to learn about their customer service and importantly, claims experience.
It's better late than never. We recommend buying a policy as soon as you've booked and started paying deposits for flights, accommodation and tours, but you can buy travel insurance at any point. Even if you forgot and are already overseas. Exclusions may apply though, so be sure to check the PDS and eligibility criteria before you buy.
Cover is available for most medical conditions. Whether or not you need to declare your conditions and whether an additional charge will apply depends on the condition, its stability, current treatment, the recency of the diagnosis and your age.
Minor conditions such as allergies, cataracts, and certain diabetes are often covered free of charge. However other medical conditions such as arthritis, any kind of cancer, heart conditions and hip & knee replacements require medical screenings and additional charges are likelt to apply. Today, most insurers use online medical screening software which makes it easy to declare your conditions and get covered in minutes. Although finding cover for terminal illnesses in New Zealand is difficult. Learn more about covering your conditions with our guide on declaring your medical conditions.
Yes, you can. Generally speaking, you can purchase travel insurance up to a year before your trip, right up to boarding at the airport. With comprehensive travel insurance, you are covered for cancellation benefits from the moment you buy your policy, so we recommend buying it as soon as you start paying for flights, tours and accommodation.
You can buy cover if you are already overseas, although each travel insurer has different rules on age limits and waiting periods. Check out our already overseas travel insurance guide to learn more.
You can buy travel insurance to cover you when you're pregnant, but different brands will have different rules around how many weeks gestation they will provide cover up until. Terms may also vary on whether you've had complications, have a multiple pregnancy, conceived via IVF and whether you're looking for cover in case of emergency birth. Check out the handy table in our pregnancy guide for more information.
Unexpected events can happen anywhere. It is just as important to have domestic cover when travelling around New Zealand as it is when travelling overseas. If you're a New Zealand resident, a domestic policy covers you for cancellations, luggage cover and often rental vehicle excess. Medical coverage is not included, but you'll be eligible for publicly funded health care services.
For non-residents visiting New Zealand, discover International visitors to New Zealand are currently not required to have travel insurance by law, but it is highly recommended to protect you from eye-watering medical bills and more.
The cost of travel insurance depends on a range of factors including your destination, duration of travel, age of travellers, planned activities, whether or not you have any medical conditions and the type of cover you choose (medical only, mid-range or comprehensive). The cheapest travel insurance is generally to less risky parts of the world - places with cheaper healthcare and less risk of injury, illness or theft - and policies which offer less coverage - so ones without benefits for adventure activities or pre-existing conditions. To get cheap travel insurance from New Zealand for your upcoming trip, create a quote and compare prices, but remember that the cheapest isn't always the best. You should consider your trip and what you require cover for.
Comparing prices and features online makes it easier to find the policy that's right for you and your circumstances. With comparetravelinsurance.co.nz, the price you see is the same price direct from the insurer. Sometimes you're not after the best policy but rather the best bang for your buck and comparing prices and features online can save you time, worry and loads of money.
Not sure which policy to pick? Our travel insurance reviews are here to help! Thousands of Kiwi's have reviewed their travel insurers to give you the inside story on everything from claims handling to customer experience.
Or perhaps you want to have your say? Whether you love or loathe your travel insurer rate and review them today to help other savvy shoppers with their travel insurance.