NZ Travel Insurance Review

Compare NZ Travel Insurance policies for single or multi-trip overseas adventures.

NZ Travel Insurance, underwritten by Allianz Australia Insurance Limited, is powered by STA travel. The insurance provider offers both comprehensive and basic policies that are only sold online to keep prices as low as possible for customers.

What policies does NZ Travel Insurance offer?


NZ Travel Insurance’s Premier policy is a comprehensive policy suitable for anyone who wants to be covered for everything from medical and dental, to personal liability and terrorism. The policy offers a large range of inclusions so you can be covered for a wide range of unexpected events while you are enjoying your time abroad. Dependent children are included as well as free cover for some recreational activities.

Frequent Traveller

Rather than remembering to take out insurance every time you fly, frequent travellers can take advantage of this annual policy where they are covered for trips of up to 60 days at a time. As well as knowing that you are covered even for last minute trips, you’ll save money compared to buying single policies throughout the year.


If you don’t need all the bells and whistles that the Premier policy comes with, the Essentials plan will have you covered for basic things like medical, personal liability and baggage. Your premium costs are reduced, but so are the benefits that you’ll get, so read through the policy wording carefully to ensure that you have cover for the things you need the most.

Benefits of NZ Travel Insurance

  • 24/7 Assistance. Get Worldwide emergency assistance from Allianz Global Assistance.
  • Medical. NZ Travel offers unlimited cover on the Premier policy and $500,000 on the Essentials plan.
  • Recreational sports. Some sports such as leisure skiing and snowboarding, bungee jumping, hot air ballooning, parasailing and scuba diving are automatically included.
  • Rental vehicle. Excess cover up to $6,000 if you get into an accident or your vehicle is damaged.
  • Baggage and personal items. Get replacement cover for baggage items less than two years old, and total baggage cover limit of up to $10,000.
  • Children. There is no charge for dependent children under 21 who are travelling with you.
  • Personal liability. Get up to $1 million for damage caused by yourself to property or injury of another person.
  • Terrorism cover. Medical expenses cover of up to $250,000 for injuries related to terrorism events.

Additional options available

  • Cover for high-value items such as jewellery and camera gear over $1,500 can be added when you complete your online quote.
  • You can get cover for pre-existing conditions under the Premier and Frequent Traveller policies.
  • There are nil and high excess options of $0, $100 and $250.

NZ Travel Insurance claims

To make a claim on your NZ Travel Insurance policy, you should visit the Allianz online claims portal.

Then you’ll need to:

  • Enter your policy number and personal details.
  • Explain what happened and what you are claiming for.
  • Upload supporting documentation such as medical reports, receipts and invoices.
  • Provide your bank account details for payment.

The type of supporting documents that you need to supply differ depending on what you are claiming for. If you are unsure of what you need, contact Allianz Partners to confirm.

You can save your claim as you move through it, in case you don’t have all the documents or information you need to progress. A member of the Allianz team should contact you within 10 business days to let you know the status of your claim and if they need more information from you.

Who is eligible for NZ Travel Insurance

NZ Travel Insurance policies are available for New Zealand citizens and permanent residents, as well as Australian citizens and permanent residents who live in New Zealand. Holders of work permits of at least two years are also eligible.

You also must be:

  • Intending to return to New Zealand at the end of your travel.
  • Still in New Zealand when you purchase your policy.
  • Fit for travel.
  • Not travelling to seek medical or dental treatment or cosmetic surgery.

Frequently asked questions

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