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Compare non-resident travel insurance

Are you a non-resident living in New Zealand on a temporary visa? It's important to realise that not all New Zealand travel insurers will cover non-residents automatically.

Luckily for you we’ve done the hard yards and found seven travel insurers that offer cover. Woo hoo!

Who offers cover to non-residents?





1Cover non-residents tick You must be:
a) Working full time and paying tax in NZ
b) Travelling in and out of NZ on the same visa
c) Have a working visa that is valid for more than two years
If you are entitled to be covered under a Reciprocal Health Agreement between the government of New Zealand and the government of another country, then unfortunately we cannot provide you with a policy.
Valid for travel within NZ and also overseas. However, your return trip to your country of residence is not covered.
DUInsure UK - Residents tick UK Residents policy - will cover UK residents on a one-way trip back to the UK. Must purchase policy prior to commencement of journey. You must be aged 49 or under. Cover ends at immigration country in the UK. BUY
Columbus Direct tick Available to visitors/non-residents given you have lived in NZ for 3 months or more. Valid for travel within NZ and also overseas. BUY
Covermore - Plan I tick Plan 'I' for travel only within NZ. Maximum 12 months cover.
Valid for travel within NZ only.
Southern Cross visiting NZ tick You can only get cover under this policy, if you are:
a) on a visa or permit which allows you access to all publicly funded health and disability services in New Zealand and is valid until after your end date of insurance, and you
b) are travelling to a destination outside of New Zealand and intend to return to New Zealand after finishing your journey (or each journey in the case of an Annual Multi-Trip Policy)
c) have not already left New Zealand
Travel Insurance Cover - QBE Discover NZ tick The QBE Discover NZ Policy is available to non-residents who are under 60 years old on the commencement date shown on the Certificate of Insurance. A maximum duration of 12 months applies. No cover for pre-existing medical conditions and cover must be purchased before arrival. The policy will also cover the period travelling to New Zealand from your normal country of residence and the period travelling back home, provided that travel to and from NZ does not exceed 72 hours.
Valid for travel within NZ and back to their home country only.
Zoom Travel Insurance tick Zoom don't mind what type of visa you are on! They cover non-residents for international travel provided you are:
-aged 74 years and under; and
-hold a return ticket to New Zealand; and
-have a home in New Zealand to which you intend to return; and
-hold a valid visa or permit which provides access to all publicly funded health and disability service in New Zealand or have access to long-term medical care in New Zealand that is valid for the entire journey and beyond the end date of your policy.

Remember each insurer will have slightly different benefits so make sure you understand your cover by reading the Product Disclosure Statement before you buy.

General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision, you should consider the appropriateness of the information having regard to your personal circumstances.

Inbound visitors travel insurance

Have you got visitors coming to visit you in New Zealand from overseas? Find out more information about visitors travel insurance here.

Reciprocal health agreements

You never know you might be eligible for health care in New Zealand already. New Zealand has reciprocal health agreements with Australia and the United Kingdom. For more information you should visit:


Need some help? Use the search box below to find answers to all those tricky travel insurance questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!


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