Before your trip, check to see if there are current travel alerts for your destination – you can also view the latest government advice.
Gaza−Israel conflict: For travellers in, or planning on travelling to, Israel or the Palestinian Territories, please see our travel alert with more information.
Travel Insurance Direct

Travel Insurance for New Zealand

Before you go on your trip, get travel insurance cover here.

Step into a world where lush national parks, vibrant cultural experiences, and adrenaline-pumping adventures await. Welcome to New Zealand. From the snowy peaks perfect for world-class skiing to the golden beaches that beckon surfers from around the globe, New Zealand offers an unparalleled blend of excitement and relaxation – and it’s just a short flight away! 

At TID, we understand that the journey to New Zealand can be filled with anticipation and excitement, which is why we offer a range of travel insurance plans – allowing you to fully immerse yourself in the wonders of the Kiwi lands, safely. 

What am I covered for when going to New Zealand?

When visiting our Kiwi neighbours, you can access several benefits with TID travel insurance, depending on which level of cover best suits your trip – The Basics, Domestic, The Works, and Annual Multi Trip plans.

Some of the benefits we offer include:

  • Cover for overseas medical expenses
  • Medical repatriation and evacuation
  • Cover for lost, stolen or delayed baggage
  • Cover for cancellation or trip delay 

Get a quote to get your next domestic or international adventure underway today

Medical cover in New Zealand and 24/7 emergency assistance

Thanks to the health care agreement with New Zealand, you're covered for some basics. But it's not a catch-all. Our travel insurance could fill those gaps, covering you for medical emergencies, evacuation, and even getting you back home if needed. Check out the Department of Human Services website for the full scoop on what's covered and what's not.

Caught in a pinch? Our Emergency Assistance Team is on standby 24/7, ready to leap into action for any medical hiccups. Whether you're lost in the wild or need urgent care, we're here to:

  • Provide immediate medical assistance
  • Guide you to the closest medical facility
  • Arrange your transfer to a hospital or fly you back to Australia if necessary

Got questions? Reach out. We're always here to help, ensuring you're never truly alone – no matter where your adventures take you.

Cover when planning a road trip around NZ

Whether you’re driving around the North Island on the Auckland to Wellington route or on a road trip with mates from Christchurch to Queenstown on the South Island, you’ll get to experience the best of New Zealand at your own pace.

TID covers rental vehicle insurance excess or repair costs for accidents, storms, fire, or theft – as long as you're a named driver with a valid rental agreement and the vehicle has comprehensive insurance.

Note: For this benefit to apply, the rental vehicle must have valid comprehensive motor vehicle insurance for the period of hire. 

Traveller Tip: you can use your Australian driver's license in New Zealand for up to 12 months for the same vehicle class. For more details, check out our full article.

Activities and sports injuries and gear cover

New Zealand offers outdoor adventures for everyone, from skiing in Christchurch to bungee jumping. TID policies cover a broad range of activities, providing medical assistance, evacuation, and repatriation if needed.

Plus, if your sports equipment like surfboards, skis, or scuba gear is lost, delayed, or damaged, The Works and Annual Multi Trip plans offer coverage for hiring replacements.

If something goes wrong and you injure yourself, a TID policy may be able to help with medical assistance, evacuation, and in the worst-case scenario, repatriation back home if medically necessary and approved by us.

Natural disaster cover

New Zealand's natural beauty comes with risks of earthquakes and volcanic eruptions. TID covers cancellations or delays due to unforeseen natural disasters, offering reimbursement for prepaid, non-refundable expenses if you bought your policy before the event became known. 

Traveller tip: Before your trip, always check travel alerts and government advisories, including the Australian Government’s smartraveller website

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Choose a plan that suits your holiday.

Just like choosing the perfect destination for your next getaway, selecting a travel insurance plan to suit your needs may be just as important. We have four plans to choose from, each offering a different level of cover. Check out each of the plans below where you'll find loads of information about each one.

The Works

Our most popular and comprehensive plan, the Works offers broad cover for international trips including unlimited cover for costs such as medical expenses and cancellation as well as added benefits.

The Basics

Sticking to a shoestring budget? Our budget plan is designed for travellers who want coverage for all the important things, like hospital bills and stolen luggage, without breaking the bank.


Are you a frequent flyer? If you travel often for business, or have a few holidays coming up, our Annual Multi Trip plan could be for you. Made for globetrotters, your trips can be up to 35 days in duration and there is no limit to the number of trip you can take during a 12 month period.

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

What does travel insurance cover me for in New Zealand?

Here are some of the cover benefits available with a travel insurance policy.

rental vehicle icon

Hiring a rental car?

Cover towards the insurance excess if you rent a car from a licensed hire company and it is damaged, stolen or in an accident whilst in your care.

emergency icon

Don't like medical bills?

Compensation for unforeseen medical expenses incurred whilst on an overseas holiday

lost luggage icon

Taking luggage with you?

Cover if your luggage is stolen, permanently lost or accidentally damaged due to circumstances outside of your control.

cruise icon

Going on a cruise?

Hit the open waters with confidence. Our international policies automatically include cover for cruises so you can focus on the fun.

Compare all benefits
This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

New Zealand travel insurance FAQs

What is best time to visit New Zealand?

The best time to visit New Zealand is from December to March for summer activities and June to August for skiing and snowboarding adventures.

Do Australians need a visa for NZ?

Australian citizens can visit, work, and live in New Zealand without a visa. Australian permanent residents need a New Zealand Electronic Travel Authority (NzeTA). Ensure your passport is valid for at least six months beyond your expected departure date.

Am I covered if I’m going on a cruise from Australia to new Zealand?

TID covers cruising as a standard inclusion, which means you won’t need to fork out for additional premiums. You may want to consider TID travel insurance if you’re going on a cruise as you could be in for a rough ride on stormy waters if, for example, your cruise encounters unexpected conditions such as you falling ill mid-journey, trip delays you hadn’t counted on, or if you need to be medically evacuated off the boat due to a severe injury or illness, the repatriation costs alone can be exorbitant depending on the location.

Can I extend my travel insurance if I’m already overseas?

Need more time abroad? Travel Insurance Direct allows its policy holders the option to extend their policy as long as you meet the terms and conditions, you can find out more here.
Remember: terms, conditions, limits and exclusions to coverage will apply so read your policy carefully for full details.

This is a brief summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement.

Travel Insurance Direct is rated 4.2 out of 5 by 2494 customers.