New Zealand Travel Insurance: Plans & Prices
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Reviewed By Last updated: 10/13/2025
Key Takeaways
- Our analysis shows that Travel Insured International, Tin Leg, and Seven Corners offer the best travel insurance for New Zealand
- U.S. health insurance is not accepted in New Zealand, so it’s strongly advised to purchase a travel insurance policy that will cover unexpected medical expenses
- Popular New Zealand adventure activities like heli-hiking, glacier trekking, and bungee jumping often require specialized travel insurance coverage
- New Zealand is a safe and welcoming destination for tourists, but long-haul flights, remote destinations, and unpredictable weather hazards can make travel insurance necessary
- Travel medical insurance for New Zealand offers an affordable way to protect your trip, with plans costing less than $4 per day on average
- Try our online travel insurance comparison tool to get quotes from multiple providers at once. For personal assistance, call our award-winning agents at 1-800-240-0369
Our Top Recommended New Zealand Travel Insurance Plans
- Travel Insured International — FlexiPAX is a customizable plan that offers comprehensive coverage with a wide range of optional add-ons and policy upgrades available
- Tin Leg — Gold is a comprehensive plan that covers more than 250 adventure sports and activities, making it a great choice for New Zealand visitors with thrill-seeking itineraries
- Seven Corners – Trip Protection Choice provides the highest travel medical coverage limits of any comprehensive policy on Squaremouth
Do I Need Travel Insurance for New Zealand?
No, U.S. citizens are not required to purchase travel insurance to visit New Zealand. However, getting some form of travel protection is highly recommended, especially if you plan to embrace adventurous activities like hiking remote trails, heli-hiking, shark diving, or traveling between islands.
Despite its renowned healthcare system, New Zealand does not provide free treatment for tourists or accept U.S. health insurance. Travel insurance is designed to cover unexpected expenses, such as medical care costs, while you’re away from home.
Reasons You May Need Travel Insurance for New Zealand
Emergency Evacuation and Medical Care
New Zealand’s famed natural beauty includes volcanic plateaus, glacier-fed rivers, and isolated hiking routes like the Milford or Routeburn Tracks. However, getting medical attention in these remote areas can be complex and expensive.
✅ Almost all travel insurance plans include travel medical coverage that can cover unexpected medical expenses and evacuation costs to transport you to the nearest adequate healthcare facility.
High-Risk Adventure Activities
New Zealand is known for heart-racing experiences, such as bungee jumping, skydiving, scuba diving, mountain biking, and white-water rafting. Many insurers consider these high-risk activities as “hazardous” and may exclude them from coverage.
✅ Some travel insurance policies include the Sports and Activities benefit, which can protect you if you get injured while participating in a covered adventure sport during your trip.
Long-Haul Flight Cancellations and Delays
While direct flights from North America to New Zealand can take between 12-17 hours, many travelers experience longer travel times due to layovers. Even a short delay en route to your destination can have a big effect on your whole travel schedule.
✅ Look for policies with strong Travel Delay and Missed Connection, as these benefits offer financial protection in the event your journey is impacted by delays caused by weather, mechanical breakdowns, or other covered reasons.
Inter-Island Travel and Cruise Disruptions
Many travelers explore New Zealand’s North and South Islands by ferry or small cruise. Weather conditions can disrupt travel between ports, especially during New Zealand’s stormy seasons.
✅ If your trip involves time on a cruise ship, consider a cruise-specific travel insurance policy that is designed to cover missed cruise departures, at-sea evacuations, and other costly disruptions.
More Details on the Best Travel Insurance for New Zealand
Travel Insured International – FlexiPAX
- $100,000 in Emergency Medical coverage
- $500,000 in Medical Evacuation coverage
- Trip Cancellation reimbursed at 100%, Trip Interruption at 150%
- Customizable coverage amounts for travel delay, baggage loss or delay, Cancel for Any Reason (CFAR), and Interruption for Any Reason (IFAR) to match your itinerary and risk tolerance.
Tin Leg — Gold
- $500,000 in Emergency Medical
- $500,000 in Medical Evacuation coverage
- Offers coverage for pre-existing conditions if purchased within 15 days of the trip deposit
- Trip Cancellation is reimbursed at 100%
- Ideal for high-risk activities like shark-diving, heli-hiking, with optional upgrades
Seven Corners – Trip Protection Choice
- Emergency Medical Coverage: $500,000 per person
- Medical Evacuation: $1,000,000 per person
- Trip Cancellation: 100% of trip cost
- Trip Interruption: Up to 150% of trip cost
- Customizable Add-Ons: Includes options for Adventure Sports and Cancel For Any Reason (CFAR)
How Much Does New Zealand Travel Insurance Cost?
Comprehensive travel insurance for New Zealand typically costs $17 per day.
This number is based on internal Squaremouth data, which reveals that the average traveler spends $443 on travel insurance with an average trip length of 26 days.
Travel medical insurance policies are more affordable, at less than $4 per day, but do not provide cancellation benefits or trip cost protection.
The following travel insurance prices are based on a solo 35-year-old traveler with a trip cost of $3,000.
Medical-Only Travel Insurance Cost Example
| Provider | Plan Name | Plan Cost | Cancellation / Interruption Limits | Medical/Medevac Limits |
|---|---|---|---|---|
| Travel Insured International | FlexiPAX | $27 | $0 / $0 | $100,000 / $500,000 |
| Tin Leg | Gold | $28 | $0 / $0 | $500,000 / $500,000 |
| Seven Corners | Trip Protection Choice | $57 | $0 / $1,000 | $500,000 / $1,000,000 |
Comprehensive Travel Insurance Cost Example
| Provider | Plan Name | Plan Cost | Cancellation / Interruption Limits | Medical/Medevac Limits |
| Travel Insured International | FlexiPAX | $113 | $3,000 / $4,500 | $100,000 / $500,000 |
| Tin Leg | Gold | $160 | $3,000 / $4,500 | $500,000 / $500,000 |
| Seven Corners | Trip Protection Choice | $184 | $3,000 / $4,500 | $500,000 / $1,000,000 |
Quote New Zealand Travel Insurance
What Travel Coverage Do You Need for New Zealand?
Trip Cancellation and Interruption Insurance
Sometimes, unexpected weather disruptions, natural disasters — like cyclones or landslides — or sudden illness can cancel plans at the last minute.
Most comprehensive policies cover 100% of trip costs if you cancel before departure and up to 150% for interruptions occurring after your trip begins.
Travel Medical Coverage
You might be hiking in Tongariro National Park or sailing in the Bay of Islands when an unexpected illness, injury, or weather event occurs. Without coverage, you could face steep medical bills, forcing you to pay for them out of pocket.
We recommend at least $100,000 in Emergency Medical coverage, particularly for adventure trips or visits to remote regions._**
Medical Evacuation Coverage
Some of New Zealand’s most stunning locations, Mount Cook, Doubtful Sound, and the Catlins, are hours away from major hospitals. Airlift evacuation may be the only option to reach emergency care if you’re injured while exploring and experiencing one of these desirable locations.
Aim for $250,000 – $500,000 in Emergency Medical Evacuation, especially for backcountry or multi-island travel.
Insurance for Baggage and Personal Items
Lost baggage from long-haul flights or inter-island transfers is typical, especially during layovers in Australia or Asia.
Look for Baggage Delay and Loss benefits to help replace clothing, medication, or travel gear during your trip.
Sports and Activities Coverage
Planning to heli-ski, paraglide, scuba dive, or zipline across a canyon? Basic plans exclude these activities, which means if you’re injured or get stranded, you could be paying out of pocket and waiting a long time for support.
Choose a plan with optional Sports & Activities coverage to protect your high-adrenaline adventures.
What isn’t covered by New Zealand travel insurance plans?
Even the most comprehensive travel insurance plans have exclusions, and knowing what’s not covered can help you avoid frustrating surprises, denied claims, or unexpected expenses.
Here are some of the most common exclusions travelers encounter in New Zealand:
Adventure Activities Without Coverage Add-Ons
Skydiving over Lake Taupō, bungee jumping in Queenstown, or glacier hiking in Franz Josef can be unforgettable experiences on your lifetime trip. But, they can also be fraught with risk and potential mishaps.
To stay protected, choose a plan that includes or offers a Sports & Activities rider or one that already includes active excursions. Injuries from unlisted activities may not be reimbursed.
Medical Claims Related to Pre-Existing Conditions
Traveling with a chronic condition like asthma, diabetes, or heart disease can be risky, especially during challenging activities such as the Tongariro Alpine Crossing, if your condition worsens. At the same time, coverage may not apply on this trip unless your plan includes a Pre-Existing Condition Waiver.
Most insurers require that you purchase your plan within 14 to 21 days of your first trip payment to qualify for this benefit. If you manage a chronic condition, prioritize plans that include this waiver.
Alcohol- or Drug-Related Incidents
Enjoying a craft beer tasting in Wellington or a Sauvignon Blanc wine tour in Marlborough is part of the Kiwi experience, but if you’re injured while under the influence, your claim could be denied.
Most policies exclude coverage for accidents or injuries where alcohol or drugs were a contributing factor. This includes medical bills, evacuation, and personal liability.
Weather-Related Claims for Named Storms Purchased Too Late
New Zealand’s weather is famously unpredictable. If a cyclone, landslide, or flood disrupts your plans, you’ll only be covered if your insurance was purchased before the event was predicted or named.
Buy your travel insurance early, ideally during your first trip deposit. Waiting until a storm is forecasted or named can disqualify you from receiving benefits tied to weather disruptions.
Non-Covered Cancellation Reasons
If you cancel your trip due to anxiety about flying over the Pacific or choose to delay your vacation for personal matters, standard cancellation benefits will not apply.
Consider upgrading your chosen policy with Cancel For Any Reason (CFAR) coverage. This benefit allows you to cancel for almost any reason and recover part of your trip cost — usually 50 – 75%, depending on the policy.
Tips for finding the best travel insurance for New Zealand
Finding the right travel insurance plan for New Zealand isn’t just about picking the cheapest option or the one with the most reviews. Instead, it’s about choosing a plan that suits the realities of your itinerary, the members of your travel group, and whether you plan to explore and island hop or embark on backcountry hikes to adrenaline-heavy spots, especially if any of these activities depend on the weather.
Use a Comparison Tool
New Zealand offers diverse experiences, and coverage needs will vary depending on whether it’s a family trip or an adventure of a lifetime. Different travel insurance policies offer varying levels of protection, making it essential to filter options according to your individual needs. Squaremouth’s quote engine lets you compare plans from over 20 highly-rated providers, helping you select the best coverage based on medical limits, evacuation options, adventure sports add-ons, and other factors.
Read the Fine Print
Many people think their insurance covers all situations, but exclusions are common, particularly for high-risk activities. Most standard plans do not cover heli-skiing or snowboarding in the Southern Alps, skydiving in Wanaka, zorbing or off-road driving near Rotorua, caving in Waitomo, and more. Therefore, reviewing the Certificate of Insurance ensures that your policy encompasses the activities and areas listed in your itinerary.
Match Your Plan to Your Itinerary
When traveling to New Zealand, align activities with your travel style. If road-tripping or camping in national parks, choose a policy with high medical evacuation limits for emergencies. If visiting both islands or cruising between ports, seek plans with coverage for trip interruption, missed connections, and travel delays. Planning high-adrenaline activities like bungee jumping or skydiving? Ensure your policy covers hazardous sports. Finally, select a plan with a pre-existing condition waiver for complete protection if you have a chronic health condition.
Consider Add-Ons for Adventure Activities
Many travelers to New Zealand participate in various outdoor activities, but not all are automatically included under standard coverage. If your itinerary features adventure sports, extended hikes, or pursuits such as kayaking or paragliding, ensure these are specified in your insurance policy. Options for upgrades are offered on plans like Tin Leg Gold. If you’re hesitant about fully committing to your trip, consider opting for a Cancel For Any Reason (CFAR) upgrade for added flexibility.
Plan for Weather Disruptions and Medical Needs
Given the amount of adventure possible in New Zealand and its unpredictable weather, especially in alpine regions where floods or landslides are likely, it’s wise to consider travel insurance with medical coverage. Benefits like that can help you navigate travel disruptions or cancellations due to weather or injuries.
Is travel insurance for New Zealand worth it?
New Zealand travel insurance is worth it. Given the potential for medical emergencies, weather disruptions, and the cost of evacuations from island resorts, it is a smart safeguard. At about 4-10% of your trip cost, travel insurance can protect your wallet and your peace of mind.
FAQ: New Zealand travel insurance
Is New Zealand safe to visit?
Yes, New Zealand is considered one of the safest countries in the world for tourists. Its low crime rates, reliable and modern infrastructure, and strong emergency response team make traveling easy and make you feel at home. However, risks from natural hazards like earthquakes, powerful coastal currents, and rapidly changing mountain weather make travel insurance with medical benefits essential.
Is travel insurance mandatory for New Zealand in 2025?
Travel insurance to New Zealand is not required, but it is highly recommended, especially since U.S. health insurance is not accepted.
Will my U.S. Health Insurance Work in New Zealand?
Generally, no. Most U.S. health plans, including Medicare, do not offer coverage abroad. If you require medical care in New Zealand, you will likely need to pay out of pocket unless you have a travel insurance policy with international Emergency Medical benefits.
What documents are required to travel to New Zealand?
U.S. citizens need a valid passport and an approved NZeTA (New Zealand Electronic Travel Authority) to enter New Zealand for tourism. Obtaining the NZeTA before departure is essential, as it allows for multiple visits over a two-year timeframe. Additionally, travelers may need proof of onward travel and sufficient funds.
Do I need a visa or passport to travel to New Zealand?
To travel to New Zealand, you need a valid passport. While a traditional visa is not required for visits under 90 days, you must apply for the NZeTA in advance. This electronic travel authorization typically takes 1 to 3 business days to process.
Does New Zealand require COVID insurance?
As of 2025, New Zealand does not require travelers to carry COVID-specific insurance. However, many travel insurance policies still cover COVID-related trip cancellations, medical treatment, and quarantine costs, which can be particularly beneficial if you contract the virus before or during your trip.
What Adventure Sports Activities are covered by travel insurance in New Zealand?
By choosing the right plan or upgrading to a Sports & Activities package, you can enjoy incredible adventures like bungee jumping, skydiving, glacier hiking, white-water rafting, scuba diving, and mountain biking, with the added peace of mind that travel insurance provides. Just remember that riskier activities, like heli-skiing or mountaineering, might require extra coverage or could be excluded. Therefore, it’s wise to review your plan’s details before embarking on your fun journey!