Travel Insurance Direct

Travel Insurance for New Zealand

Make the most of your trip to NZ with travel insurance cover.

Why should I consider travel insurance in New Zealand?

Walking up to a glacier, experiencing Maori culture and sailing through fjords – a trip to New Zealand offers the chance for unique and breath-taking activities every day. Each year we get hundreds of claims from Australians who aren’t covered for some medical services on their national healthcare, not to mention cancelled flights and stolen tech. With this in mind, you may want to think about getting travel insurance for your trip to New Zealand..

New Zealand also has some epic ski resorts scattered across both islands. And we often get claims from Aussies who’ve injured themselves doing snow sports. If you’re crossing the Tasman to hit the slopes, our snow sports option, provides you with the additional cover required for these activities.

What can travel insurance cover me for in New Zealand?

Flitting from vineyards to geysers is made all the more relaxing when you know you've got cover for the important things. Our holiday insurance for New Zealand provides a comprehensive level of cover on The Works and Annual Multi-Trip plans, but it's always best to read the policy wording to check if it's got exactly what you need for your trip. The benefits most people look out for are:

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Renting a car

With stretches of roads surrounded by mountains, lakes and forests, taking the scenic route around New Zealand in a car or van is the best way to see its natural beauty. Our policy includes cover towards car hire insurance excess if your rental car gets damaged or stolen (excluding 'The Basics' plan).

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Medical bills

New Zealand is famous for its hiking, bungee jumping and canyon swings, but there's a higher risk of injury when doing any sport or activity. If you need to go to hospital or stop your trip because you get hurt or fall ill, you may be covered.

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Protect your tech

Losing photos and videos to the Pacific is bad enough without the cost of replacing your devices. While our travel insurance automatically covers personal valuables, it has limits and for an additional premium you can purchase additional cover for your valuables.

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Cruise cover

Sailing around New Zealand is a great way to get a feel for the whole country in a short space of time. If you've booked a kiwi cruise, you'll be automatically covered with one of our international travel insurance policies such as the 'The Works' or 'The Basics'.

Popular travel insurance types in New Zealand

With hikes of all inclines, museums, spas and nature parks, New Zealand appeals to travellers and holiday-makers from all walks of life.


If you’re heading to New Zealand to reap the benefits of local school fees and specialist subjects, you’ll probably want to tack some travel onto your trip. Whether you’re grabbing some mates for a study break or doing a course, our travel insurance for students can cover you for things such as tuition fees and exams.


With hop-on/hop-off buses, lively hostels and exhilarating activities, independent travellers can make life-long friends and cross things off their bucket list in New Zealand. Make sure you and your trusty rucksack have got cover for common eventualities with our insurance for backpackers.


Planning a New Zealand trip with your club, sports group or extended family? Travelling with a group takes away the worries of things like getting lost, letting you share new experiences with others. Tell us all the details and we can provide a discount on your group travel insurance.


From splashing about in thermal pools to marvelling at glow worm caves, tons of families travel to New Zealand during the school holidays from Australia to show the kids (and parents) a good time. Get cover for up to two adults and their dependents with a family travel insurance policy. Kids go free!

Travel safe in New Zealand

New Zealand is one of the safest countries in the world. But that doesn't mean you shouldn't keep your wits about you. Tourists still get targeted in some areas and there are some pitfalls that can be avoided. Where possible, exercise safety precautions and get clued up on local authority laws before you go. Some things to looks out for are:

  • Natural disasters: New Zealand is at risk of earthquakes, tsunamis, volcanic eruptions and severe weather conditions. Stay up to date with weather reports in your area.
  • Travel in adverse conditions: warning signs for avalanches are commonplace on the roads in NZ. Drive slowly in these areas, take precautions and keep your wits about you.
  • Break-ins: we sometimes receive claims of thieves breaking into vehicles to steal techy gear and other valuables.
  • Sport safety: if you're taking part in activities, like trekking or zorbing, make sure to follow any safety regulations given to you as any claims made because of irresponsible behaviour won't be covered.

Best times to travel to New Zealand

Choosing when to travel to New Zealand really depends on the type of holiday you want and the sort of activities you’re planning to do.

  • Weather: the seasons in NZ might be the same as those in Australia, but that doesn’t mean the weather is the same. Sitting closer to Antarctica, winter on South Island can be as cold as -10°C, while the summers are mild with temperatures between 20-30ºC.
  • When to go: New Zealand is at its busiest when the sun is out. December is the hottest month but tends to shut down because of Christmas and school holidays. If you want good weather, without the crowds, visiting in February is your best bet.
  • Get a good flight deal: if you don’t mind the cold, the cheapest time to fly to New Zealand from Australia is from June-August. You can also get good deals during November and April, where the accommodation is quieter and the weather’s temperate.

New Zealand travel insurance FAQs

I'm going trekking or hiking during my trip, do I need a special policy?

No, both trekking and hiking are automatically covered by your policy, you don't need to take out any additional cover. More details on hiking and trekking can be found here. Note: Mountaineering and rock climbing using support ropes is not covered.

As an Australian citizen, aren't I covered for medical expenses in New Zealand?

Yes, New Zealand has a reciprocal health care agreement with Australia, meaning medical expenses are generally covered. However, not all expenses are covered, like medical evacuations and medical repatriations, for example. 

I plan on driving during my time in New Zealand, do I need a local driver's license?

You are legally allowed to drive on your Australian licence in New Zealand for up to 12 months, and you are permitted to drive only the class of vehicle you are licensed for back home. More details on driving in New Zealand can be found here

Do I need a visa to travel to New Zealand?

No, New Zealand doesn't require a visa for Australians visiting for up to three months. However, this can vary depending on criminal history. You may be asked to show a return flight ticket for longer stays. More details on travelling to New Zealand can be found here.

Read the policy wording for full terms, conditions, limitations and exclusions and to ensure the product suits your needs.

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