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Travel insurance for New Zealand

Travelling to New Zealand? Now that the borders are fully open, it’s the right time to get travel insurance that suits you.

Starr TraveLead Travel Insurance

Starr TraveLead Travel Insurance logo
  • 35% off for all destinations (Code: FINDER35)
  • Flexible and affordable coverage
  • COVID-19 related trip cancellation/curtailment
  • Up to $100,000 for overseas COVID-19 related medical expenses
Get quote

New Zealand’s borders are fully open to travellers from anywhere in the world including Singapore passport-holders. Though it’s not mandatory to have travel insurance, we strongly encourage you to get one if you plan to enter the country to help protect your trip from the unexpected.

While travel insurance for New Zealand won’t cover some COVID-19 related disruptions, such as border closures, lockdowns or travel delays, it can cover cancellation costs and overseas medical costs if you get COVID-19.

On top of that, it’ll cover you for the many other costs that crop up when you’re travelling, like replacing stolen items, paying to see a doctor and even covering your rental car excess.

New Zealand travel insurance

1 - 11 of 20
Name Product Medical Cover Cancellation Cover Baggage Delay With COVID-19 Coverage? Offer
DISCOUNT 35%
Starr TraveLead Travel Insurance - Single Trip
Up to $1,000,000
Up to $15,000
Up to $1,200
Yes
Includes coverage of up to $100,000 for Overseas COVID-19 related medical expenses and up to $1,000 for COVID-19 Trip related cancellation/curtailment.
Enjoy 35% off for all destinations (Code: FINDER35).
DISCOUNT 25%
FWD Premium Travel Insurance
Up to $200,000
Up to $18,750
$150
Optional
Get 20% discount using promo code FINTRIP20 when you purchase either Single or Annual Travel Insurance plan. T&Cs apply. Ends 30 Sep 2022.
Plus, weekly lucky draws for new plans from now till 23rd October! Stand a chance to win gadgets, vouchers and even a grand prize of $6000. T&Cs apply.
Allianz Single Trip Travel Insurance
Up to $1,000,000
Up to $15,000
Up to $1,400
Yes
12% off all travel insurance till 31st Oct using promo code: Travel12. Enjoy comprehensive cruise coverage with Allianz Travel Platinum plans. Includes COVID-19 cover. Opt for annual plans to get unlimited coverage in a year.
Income Standard Plan Travel Insurance
Up to $3,000,000
Up to $45,000
Up to $4,000
Yes
A travel insurance plan with a standard array of benefits, ranging from medical and personal accident to trip inconvenience benefits such as trip cancellation, flight delays and baggage loss.
MSIG TravelEasy Standard
Up to $800,000
Up to $12,500
Up to $1,200
Yes
Enjoy 40% off single trip plans and 20% off annual trip plans. T&Cs apply. Valid until 31 Oct 2022.
Includes COVID-19 coverage to all Single Trip and Annual plans with no additional premium. T&Cs apply.
Tiq Travel Insurance
Up to $1,000,000
Up to $10,000
Up to $200
Optional
Get 40% off single trips and 60% off annual plans using promo code TAKE60 till 30 Sep, including cruises to nowhere. Enjoy benefits such as coverage for trip cancellations or postponements, emergency evacuation while onboard and post-trip medical expenses.
Optional COVID-19 coverage.
DirectAsia Single Trip Plan
Up to $1,250,000
Up to $37,500
Up to $2,500
Optional
Get 40% discount when you purchase either Single or Annual Travel Insurance plan. T&Cs apply.
Budget Direct Insurance Basic Cover
Up to $50,000
N/A
Up to $400
No
DISCOUNT 25%
FWD First Travel Insurance
Up to $1,000,000
Up to $37,500
Up to $900
Optional
Get 20% discount using promo code FINTRIP20 when you purchase either Single or Annual Travel Insurance plan. T&Cs apply. Ends 30 Sep 2022.
Plus, weekly lucky draws for new plans from now till 23rd October! Stand a chance to win gadgets, vouchers and even a grand prize of $6000. T&Cs apply.
DISCOUNT 35%
Starr TraveLead Travel Insurance - Annual
Up to $1,000,000
Up to $15,000
Up to $1,200
Yes
Includes coverage of up to $100,000 for Overseas COVID-19 related medical expenses and up to $1,000 for COVID-19 Trip related cancellation/curtailment.
Enjoy 35% off for all destinations (Code: FINDER35).
Allianz Annual Multi-Trip Travel Insurance
Up to $1,000,000
Up to $15,000
Up to $1,400
Yes
12% off all travel insurance till 31st Oct using promo code: Travel12. Enjoy comprehensive cruise coverage with Allianz Travel Platinum plans. Includes COVID-19 cover. Opt for annual plans to get unlimited coverage in a year.
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Do I need travel insurance to New Zealand from Singapore?

If the last years have taught us anything, it’s to plan for the unexpected. When you’re travelling to a country like New Zealand, there’s a lot that can happen on your trip. Travel insurance can help — here’s how.

  • Delays and cancellations. You won’t be covered for things like border closures and lockdowns, but if you need to cancel or reschedule your trip for other reasons like a death in the family, insurance can reimburse you for the costs. It can also pay out if your flight is delayed.
  • Unforeseen medical care. A New Zealand travel insurance policy can cover you for visits to the doctor, prescription medications and unforeseen medical care such as other expenses for accommodation, evacuation or repatriation back to Singapore.
  • Skiing and snowboarding. Lots of Singaporeans go to New Zealand for skiing and snowboarding. New Zealand travel insurance can cover you for lost or damaged equipment, equipment hire, lost lift passes and even mountain rescues. If you plan to go skiing or snowboarding in New Zealand, you can usually add ski insurance to your policy.
  • Adventure activities. Bungee jumping, skydiving, white water rafting — all popular adventure sports in New Zealand. Many travel insurance policies will cover you for adventure sports for an additional premium.
  • Car mishaps. Lots of us hire a car to explore New Zealand’s incredible scenery. When you do, you’ll usually have to pay an excess to the rental car company, which can be thousands of dollars. This excess will be an out-of-pocket expense and can be thousands of dollars. If something happens, even a minor windscreen chip, and you might not get it back. If you want to avoid this, consider travel insurance that includes rental car excess insurance.
  • Natural disasters. New Zealand is no stranger to natural disasters, from the 2011 Christchurch and 2016 Kaikoura earthquakes to the 2019 White Island eruption. There are thousands of earthquakes every year. Travel insurance can cover medical expenses, lost luggage and cancellation if you’re unable to get to your destination.
  • Replacing belongings. Taking a camera, ski equipment or expensive hiking gear on your trip? It can be expensive to replace lost, stolen or damaged items. Travel insurance can make sure it’s not.

Travel insurance New Zealand: COVID-19

Travel insurance won’t cover border closures due to COVID-19, so you might be out of pocket for prepaid accommodation if a travel restriction comes into place.

However, it’s worth reaching out to your airline. You may be able to get a credit or refund if a government-enforced restriction comes into place after you have booked.

There are several other ways travel insurance can help with COVID-19 related expenses. We looked at a number of insurers and found that a handful of them will cover you for incidents such as:

  • If you’re diagnosed with COVID-19 while on your New Zealand trip or before your departure.
  • If you need to change or cancel your trip because a relative or business partner is diagnosed with COVID-19 and it’s life-threatening.
  • If the group or person you’re meant to stay with while in New Zealand is diagnosed with COVID-19.
  • If the accommodation you were meant to stay at is closed because of an outbreak.
  • If you die of COVID-19.

Comparing travel insurers that provide cover for some coronavirus related expenses doesn’t have to be a pain. Use Finder Singapore to easily compare New Zealand travel insurance to match your budget and your needs. Remember it won’t cover everything, but it will cover you for the inclusions outlined above.

How to find the best policy for New Zealand

Finding the best travel insurance for your trip to New Zealand can be easy if you know what to look for.

Compare policies
Benefits vary between different policies so it’s always worth comparing your options. Look at what you’re getting and for what price.

Check the policy document
This will tell you the full extent of your cover and its limitations. Make sure you add on any extras you need like snow cover or rental car excess cover, and declare any pre-existing conditions that you have. When buying a policy, you agree that you’ve read the policy document and accept its conditions.

Buy early
Buying your policy as early as possible will give you better value for your money. That’s because you won’t pay more, you’ll just be covered for longer. Cancellation benefits usually start from the moment you buy the policy, so if the unexpected happens, you should be able to claim non-refundable expenses.

What benefits and inclusions can I get?

Most travel insurance policies include the same core benefits, which will cover you for the following:

✅ Medical expenses
✅ Lost or stolen belongings
✅ Delays or cancellations

✅ Personal liability
✅ Accidental death
✅ Permanent disability

Some policies also offer additional benefits that may be particularly useful if you’re visiting New Zealand. This includes cover for the following:

✅ Lost or stolen lift passes
✅ Rental car excess
✅ Lost or damaged snow equipment

✅ Special events
✅ Adventure sports
✅ Mountain rescue

What activities should you get covered?

This depends on what you plan on doing while you’re there, but if you plan on taking part in any of the following activities, you should definitely consider sports and adventure travel insurance.

  • Abseiling
  • Bungee jumping
  • Caving
  • Deep-sea fishing
  • Hang gliding
  • Horse riding
  • Hot air ballooning
  • Kite surfing
  • River rafting
  • Riding a motorcycle
  • Scuba diving
  • Sea kayaking
  • Skiing or snowboarding
  • Skydiving
  • Snow sports
  • Wakeboarding
  • Water skiing

This is not an exhaustive list. Always check the policy document of your travel insurance if you’re unsure whether a particular sport will be covered or not.

Of course, if you’re heading to New Zealand for a quick city break, you might not need any additional cover for adventure activities.

Travel insurance for skiing in New Zealand

If you’re heading to New Zealand for skiing or snowboarding, you should seriously consider getting travel insurance that covers snow sports. It’s usually an optional extra and you might have to pay a little bit more, but snow sports insurance could easily save you thousands of dollars. Here’s how:

  • Getting you off the mountain. An accident on the slopes can require helicopter rescue, which doesn’t come cheap. Ski insurance can cover the cost.
  • Paying for unused lift passes. If an injury or even bad weather keeps you off the slopes, ski cover can reimburse you for unused lift passes, equipment hire and lessons.
  • Getting you to a new resort. Many snow sports policies cover your transportation and accommodation expenses if an avalanche or bad weather forces you elsewhere.
  • Paying for damaged equipment. Ski insurance can pay you back for lost or damaged equipment, and it can pay for hire fees if yours is lost, damaged or delayed in transit.

Ways to get a cheap policy for New Zealand

We understand money can be tight, but don’t let that stop you from buying travel insurance. You can still get a decent policy for a reasonable price. Here’s how:

Know what you need
Work out what you actually need cover for before you start comparing policies. For example, there’s no point paying extra for snow cover if you’re not heading to the slopes, and there’s no need to have rental car excess insurance if you’re planning on using public transport.

Get a quote and compare prices
Enter your details to receive a bunch of different quotes from our travel insurance partners. You can sort through quotes using the price sorting tool so you can compare the cheapest policies to the most expensive. If you do this, just remember to check what’s included in the policy and make sure it’s enough for your trip.

Look for online discounts
You might be able to find a 10% offer or a discount if you’re buying insurance for multiple travellers. Some discounts will be built into your price but you might need a code for others.

Who should you contact in an emergency?

Here are some important New Zealand phone numbers if you find yourself in an emergency that your family, friends, tour operator or travel insurance company can’t handle.

Emergency ServicesTelephone
Police (General Emergency Call)111
Ambulance and Rescue111
Fire111
Healthline (Medical Emergency Call)+64 (0)800 611 116
Coast Guard New Zealand+64 (0)9 303 4303
Wellington Air Rescue Centre+64 (0)4 920 2242
Auckland Air Ambulance Base+64 (0)9 913 2941

Compare New Zealand travel insurance

Frequently asked questions

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