Please Note - If you are cruising around Australia you need to select Pacific.
With Regions, variances can apply for Bali, Indonesia, Japan and Middle East.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Many people forget to buy domestic travel insurance when they travel around New Zealand but being covered at home is just as important as being covered overseas.
New Zealand is one big place and there is just as much to see and do here as there is going abroad. Assuming you're covered by public health care, you don't need to worry about your health but there are still plenty of good reasons to buy travel insurance for trips around NZ.
Lost luggage, damage to a rental car, flight delays and cancellations and theft are all situations that could quickly put a downer on any domestic trip. Our guide helps to explain everything there is to know about cover for your holiday-at-home!
The following table shows cover levels of comprehensive domestic travel insurance quotes.
|Insurer||Underwriter||Rental Vehicle Excess||Cancellation||Luggage||Buy Now|
|Certain Underwriters of Lloyds||$5,000||Unlimited||$15,000||Go To Insurer|
|Chubb Insurance New Zealand Ltd||$3,000||$10,000||$5,000||Go To Insurer|
|Zurich Australian Insurance Limited||$4,000||$10,000||$5,000|
|Certain Underwriters of Lloyds||$3,000||$10,000||$5,000||Go To Insurer|
|Certain Underwriters of Lloyds||$6,000||$25,000||$6,000||Go To Insurer|
|Allianz Australia Insurance Limited||Optional add
|Unlimited||$5,000||Go To Insurer|
Zoom Travel Insurance
|Certain Underwriters of Lloyds||$5,000||Unlimited||$7,500||Go To Insurer|
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.
When you buy domestic cover, you are purchasing a policy for the whole of New Zealand. Create a quote to start comparing prices and features.
When you go on a cruise in New Zealand waters, in most cases it’s required for you to purchase a Pacific policy. This is because visiting the doctor onboard the ship is charged at private/international rates. You’ll also need a Pacific policy to be covered for helicopter rescue off the ship. Some companies still allow you to purchase a domestic plan, but you’ll need to add-on a cruise pack in order to be covered from ship-to-shore.
Rental vehicle excess is the amount that you would have to pay in the event that your rental vehicle is stolen or damaged, while in your care. Many people buy domestic travel insurance for this benefit alone as it is far cheaper to buy a travel insurance policy, including cover for your hire car than it is buying excess cover direct from your rental company.
Some Kiwi companies offer “Visitors Travel Insurance” as it is known. You may be required to purchase the policy before the friends or relatives arrive in New Zealand and waiting periods may reply. See more about visitors cover here.
Yes, in most cases, if a loved one is unexpectedly hospitalised or passes away and you need to return home early, your domestic cover will pay to get you there.
In most cases you’ll need to purchase some sort of ski or adventure pack in order to be covered for skiing or snowboarding within New Zealand. You should also consider whether ambulance costs would be covered should you need evacuating off a mountain. Speak to your chosen insurer to check if emergency evacuation benefits ae included in their domestic snow pack.
Are you in favour of a frequent city break? Whether it's Auckland, Christchurch or Wellington you might benefit from a multi-trip policy designed for frequent domestic travellers. If you have more than two trips planned within a 12 month period an annual travel insurance policy can be significantly cheaper than purchasing a single trip policy each time you travel.