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CTI Verdict
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.
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Frequently asked questions
How many people can I include in my policy?
You can only buy a policy for up to 10 adults online.
Am I covered if I go on a cruise?
Yes, you don't even need to pick a cruise specific policy. Here's a top tip: Even if you're travelling in New Zealand waters you still need to pick pacific, not New Zealand or domestic.
Am I covered for skiing and my equipment?
Yes if you purchase a ski policy cover State will cover you to ski on-piste.
Can I pay to reduce or cancel my excess?
Yes you can choose between $0 - $250 excess.
Am I covered if my tour company collapses?
No, State doesn't provide protection from insolvency.
I'm not a New Zealand resident- can I buy cover?
If you are a non-New Zealand resident visiting New Zealand, You can travel under Plan I, Area 9 - inbound NZ travel only.
What size moped or motorbike am I covered to ride overseas?
State will cover you for you to ride a bike, moped or scooter under 200cc and you must be wearing a helmet.
How long is their single trip cover for?
12 months.
Can I extend my policy from overseas?
Having too much fun? No problem! You can extend your policy with from overseas, as long as your original policy has not expired.
Do they cover for my rental vehicle excess?
Yes, for up to $10,000 in their international plan 1 policy.
Who underwrites them?
State Travel insurance is underwritten by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. IAG receives a commission for the issue of State-branded travel policies arranged through Cover-More (NZ) Limited ('Cover-More'). Cover-More administers the policy and acts on behalf of Great Lakes New Zealand. IAG does not guarantee Great Lakes New Zealand or Cover-More.
Where are they based?
Auckland