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Top 4 benefits of travel insurance for Kiwis

Medical expenses

This covers the cost of emergency visits to the doctor or hospital for medical treatment while abroad. You’ll need to declare any pre-existing medical conditions, or you may not be covered.


Repatriation covers the cost of getting you home to the New Zealand for further medical treatment if you’re seriously ill or injured abroad.

Cancellation or curtailment

If you need to cancel, cut short or delay your holiday for certain reasons outside your control, you could reclaim the cost. You won’t be covered if you knew that you might need to cancel or cut short your trip, for example because you were already unwell.

Lost, stolen or damaged possessions

Cover for your luggage and belongings. This sometimes also includes cover for passports or cash. Your home contents policy or gadget insurance might offer some cover for your possessions while abroad as well.

I’m a kiwi buying travel insurance, what should I know? 

Travel insurance for kiwis is there to help cover unexpected costs that would otherwise put you out of pocket – medical costs can be very high in some countries so it’s important to have suitable cover for that.

It’ll usually include cover for things like:

  • Emergency medical expenses
  • Cancelling or cutting your trip short
  • Lost luggage
  • Flight delays
  • Personal liability claims

And there are two main types of policy you can get:

  • single trip
  • annual multi-trip

You can also choose policies tailored for your type of trip, including cruise travel insurancewinter sports or Ski travel insurance.

Travelling with serious pre-existing medical conditions

Our panel includes travel insurance providers that can give you a quote for policies with cover for many declared serious medical conditions.

Personal liability and legal expenses

Covers the costs of legal fees, in case you accidentally injure someone or damage their property and they sue you. It can also help you pursue compensation if you’re injured during your trip where someone else was to blame.

Delayed departure

Most travel insurance companies will offer some cover for delayed outbound or inbound journeys, however the requirements for the length of the delay and what compensation is available may differ. Make sure you read your policy so you know what you’re covered for.

Learn More

I'm going overseas for over a year, will you cover me?

In most cases yes, we can. We work with insurers who offer Insurance policies allowing you to stay away for a maximum of 24 months (under two 12-month policies). There are tighter restrictions on durations for some destinations and age groups. In particular, if you are travelling to the Americas or Africa, we can only offer cover up to 18 months.

Will you cover me for a one-way trip?

In most cases, yes. We may be able to cover you for up to 12 months. Compare with us and once you have found your provider ask them.

Can I get travel insurance if I have an existing medical condition?

Yes! We work with many companies that offer Insurance policies automatically cover some existing medical conditions.

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