Travel insurance reviews

1309 reviews

1Cover is one of the stronger options in the New Zealand market, and a particularly good pick if you’re an older traveller – the Comprehensive plan has no upper age limit, which is genuinely rare when many insurers start restricting cover in your 70s. The policy is flexible and customisable, so it rewards travellers who take a few minutes to build it properly at checkout. Canstar NZ has recognised 1Cover for outstanding value across both international and seniors travel insurance, making it a great option for travellers who want extensive cover at a fair price.Read full review→

380 reviews

TINZ is a New Zealand specialist travel insurer and there are a few things about their cover which set them apart: cruise cover is included as standard at no extra cost, cover can be extended up to 18 months (well above the industry norm), and dependants under 19 travel free. Just be mindful that claims response times are a little slower compared to competitors.Read full review→

61 reviews

Zoom Travel Insurance is one of the best value options in the New Zealand market. Their premiums consistently sit below the industry average while offering solid comprehensive coverage. Ideal for budget-conscious travellers under 50 heading to Australia, Asia or Europe. Claims turnaround can be slower than premium competitors like Cover-More, and phone support hours are limited. But if value is your primary concern and you are comfortable with digital self-service, Zoom is hard to beat.Read full review→

19 reviews

Southern Cross Travel Insurance is an award-winning insurer with competitive pricing and no-fuss cover. A standout offering is their Working Overseas plan, which is rare in the New Zealand market and tailored for Kiwis living and working abroad. Just be aware that personal liability cover is $1 million, which is lower than many competitors.Read full review→

15 reviews

AA is one of New Zealand’s most trusted brands and its travel insurance is a solid pick for Kiwi travellers, offering unlimited overseas medical cover and the flexibility to customise your policy around your trip – from cruise cover to adventure activities like skydiving and rock climbing. Kids under 21 travel free, which is a genuine perk for families, and AA members receive a discount on their premium.Read full review→

Cover-More is a well-known name in New Zealand travel insurance with more than 35 years in the market. Their plans cover a wide range of scenarios from basic medical-only cover to fully comprehensive protection with business extras; best for travellers who like to customise their policy around what they’re actually doing. Plus, for those who value convenience, the Cover-More app provides real-time safety alerts and tap-to-call emergency assistance wherever you are in the world.Read full review→

Allianz is a well-known name and a good fit for travellers who like to know exactly what they’re paying for; you can add Cruise, Snow or Adventure cover depending on what your trip actually involves, rather than paying for things you don’t need. Worth knowing though: overseas medical cover is capped at $20 million rather than unlimited, and both the Adventure and Snow Packs add a non-removable $500 excess on top of your regular excess for related claims. Good for travellers who know exactly what they do and don’t want covered.Read full review→

AMI is one of New Zealand’s most established insurers with a long track record across insurance products. The travel plans offer solid coverage including unlimited overseas medical and a customer-chosen cancellation amount so you only pay for the level of cover you actually need. If you’re already an AMI customer, you’ll receive a discount on your travel insurance premium, which is a nice perk.Read full review→

Tower is one of New Zealand’s most established home-grown insurers, offering solid coverage across international and domestic trips at competitive prices. Just be aware that the more affordable Essentials plan caps overseas medical cover at $250,000 (significantly lower than most competitors) so it’s worth checking which plan suits your needs before buying.Read full review→

State is one of New Zealand’s most established insurers with over 120 years in the market, offering solid travel coverage including unlimited overseas medical and flexible, customer-chosen cancellation. If you’re already a State customer across home, car or contents insurance, you’ll get 10% off your travel premium. Just be aware that the more affordable Essentials plan strips out some useful benefits like rental vehicle excess and hospital incidentals cover, so it’s worth comparing plans carefully before buying.Read full review→

World Nomads is ideal for adventure travellers heading abroad, with hundreds of activities automatically covered as standard rather than needing to be added on, plus cover for casual work like bartending, farm work or activity guiding if you’re on a working holiday. A nice touch is the free “home visit” feature, letting you return home once during your trip and pick back up where you left off without your policy lapsing. But because of all these great features, premiums can run higher than more budget-focused competitors, so it’s worth shopping around if price is your main priority.Read full review→