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What is the best travel insurance for New Zealand?

Author

Mia Phillips

Updated on March 18, 2026

What is the best travel insurance for New Zealand?

Compare travel insurance for New Zealand
InsurerUnderwriterLuggage
American Express BUYChubb Insurance Australia Limited$15,000
Budget Direct BUYAuto & General Services Pty Ltd$7,500
Columbus Direct BUYCertain underwriters at Lloyd's$10,000
Downunder BUYCertain underwriters at Lloyd's$7,500

Keeping this in consideration, what is the best travel insurance in New Zealand?

Compare Comprehensive travel insurance

InsurerUnderwriterMedical
NZ Travel Insurance BUYAllianz Australia Insurance LimitedUnlimited
TINZ BUYCertain Underwriters of LloydsUnlimited
Webjet BUYAllianz Australia Insurance LimitedUnlimited
World NomadsCertain Underwriters of LloydsUnlimited

Also Know, do I need travel insurance for working holiday in New Zealand? Having travel insurance (including medical coverage) is mandatory when doing a working holiday in New Zealand. The NZ government states that working holiday participants must 'maintain your medical insurance while in New Zealand. '

Similarly one may ask, should I get travel insurance for New Zealand?

New Zealand is famous for adventure sports, including bungee jumping, whitewater rafting, snowboarding and skiing. Accidents and injuries are common, especially on the ski slopes. This is why travel insurance is essential - it could help cover these costly expenses.

How much is travel insurance to New Zealand?

A 30-year-old travelling to New Zealand for a two-week holiday can expect to pay anywhere between $25 - $150 depending on the level of cover purchased. Generally speaking, Basic (also known as medical-only policies) range from $25 – $50, Mid-level policies approx $40 – $100 and Comprehensive from $50 - $150.

What company is best for travel insurance?

Top Rated Travel Insurance from Banks
  • First Direct - Annual Multi Trip.
  • HSBC Travel Insurance- Annual Multi Trip.
  • TSB - As part of the Silver Account.
  • Lloyds - Club Lloyds Platinum.
  • Halifax - Ultimate Reward current account.
  • Tesco Bank Finest policy.
  • Santander - Annual Travel Insurance.
  • Barclays Travel Insurance- Travel Plus.

Does Medicare cover me in New Zealand?

New Zealand doesn't have a national Medicare system like Australia. If a person is eligible, treatment is provided under the same conditions as for New Zealand citizens, and is subject to the same charges as New Zealanders would pay.

How much does travel insurance cost?

In general, you should expect a plan will cost anywhere from 4%-10% of your total pre-paid, nonrefundable trip cost. For example, if you purchased a trip with a total cost of $5,000, travel insurance policies available to you will likely range in price from $250-$500, depending on variables.

What is the best travel insurance for international travel?

The best travel insurance providers
ProvidersType
IMG GlobalSingle trip or multiple trips (travel insurance and travel medical insurance options offered)
Travel Insured InternationalSingle trip
Travelex InsuranceSingle trip
Seven CornersSingle trip or annual plan for multiple trips

When should I buy travel insurance?

WHEN SHOULD I BUY TRAVEL INSURANCE? The best time to buy travel insurance is within 15 days of making the first deposit on your trip, since buying early can often qualify you for bonus coverages. However, many plans let you buy coverage up until the day before you leave.

Do I need travel insurance to New Zealand?

What kind of travel insurance do I need for New Zealand? You can choose between comprehensive and basic international travel insurance. Basic International cover offers great value if you're budget conscious, with cover for overseas medical and dental expenses, and cover for death or disability.

What is the cheapest travel insurance?

The most common types of policy are:
  • Single trip: This insurance will cover you for one short trip.
  • Annual multi-trip: If you're taking more than one trip a year, then a multi-trip policy will likely be the most cost-effective.
  • Worldwide: Generally, travel insurance for trips within Europe are cheaper.

What is the best cheapest travel insurance?

Compare cheap travel insurance
InsurerUnderwriterMedical
Travel Insurance Saver BUYCertain underwriters at Lloyd'sUnlimited
Worldcare BUYAllianz Australia Insurance LimitedUnlimited
Webjet BUYAllianz Australia Insurance LimitedUnlimited
Zoom Travel Insurance BUYCertain underwriters at Lloyd'sUnlimited

Is healthcare free in New Zealand?

New Zealand has around 40 public hospitals spread across the country in cities and larger towns. With minor exceptions, such as some kinds of cosmetic surgery, hospital treatment is free for those eligible for health care services. But if you are not a New Zealand resident, you may have to pay for some services.

Do I need medical insurance in New Zealand?

New Zealand residents can choose to take out medical insurance for private healthcare, although many New Zealanders do not opt for this additional cover. Non-residents can also use healthcare services at a cost, but should get medical insurance from their home country.

Who is the best travel insurance provider?

Top Rated Travel Insurance from Banks
  • First Direct - Annual Multi Trip.
  • HSBC Travel Insurance- Annual Multi Trip.
  • TSB - As part of the Silver Account.
  • Lloyds - Club Lloyds Platinum.
  • Halifax - Ultimate Reward current account.
  • Tesco Bank Finest policy.
  • Santander - Annual Travel Insurance.
  • Barclays Travel Insurance- Travel Plus.

How much does it cost to see a doctor in New Zealand?

The basic consultation fee is from $45 to $55 and visits at night and weekends cost $10 to $15 extra. Visits to a GP are subsidised by $15 for children aged 6-17 and by $35 for children under six. Some GPs waive the fee for treating children under six.

Is travel insurance mandatory for New Zealand?

First up, if you are on a working holiday visa in New Zealand, it is mandatory for you to have a comprehensive medical and travel insurance for the length of your stay. If you are only visiting New Zealand on a visitor visa, it is not mandatory to have a medical and travel insurance.

Which is best travel insurance policy?

Best Travel Insurance in India by Top Insurance Companies
Insurance ProvidersEligibility Criteria
Religare Travel Insurance01 day and above
Bharti AXA Travel Insurance03 months to 85 years
TATA AIG Travel Insurance06 months to 70 years
HDFC ERGO General Travel Insurance03 months to 70 years

Is hospital care free in New Zealand?

Hospitals. New Zealand has around 40 public hospitals spread across the country in cities and larger towns. With minor exceptions, such as some kinds of cosmetic surgery, hospital treatment is free for those eligible for health care services. Nobody can be refused emergency care because they are unable to pay.

Which travel insurance is best NZ?

Compare Comprehensive travel insurance
InsurerUnderwriterMedical
NZ Travel Insurance BUYAllianz Australia Insurance LimitedUnlimited
TINZ BUYCertain Underwriters of LloydsUnlimited
Webjet BUYAllianz Australia Insurance LimitedUnlimited
World NomadsCertain Underwriters of LloydsUnlimited

Do UK citizens get free healthcare in New Zealand?

UK-NZ RECIPROCAL HEALTH COVER
Just as a New Zealander in Britain is entitled to free NHS treatment in an emergency, so the same applies to Britons in New Zealand.

What are the best travel insurance?

The Best Travel Insurance for Over 65s
However, you can follow these steps to find the best travel insurance option for your circumstances: Go direct to several specialist insurers to check prices. Saga, Staysure, and Flexicover are good places to start. Consider Single Trip Travel Insurance.

What kind of healthcare does New Zealand have?

Both public and private healthcare in New Zealand are excellent. Public care is funded through general taxation. This means residents receive free or subsidised medical care. Alternatively, the private sector is more costly, but provides speedier treatment.

Do you need medical insurance in New Zealand?

Healthcare in New Zealand
This means UK citizens who are visiting New Zealand and hold a valid passport are eligible for medical treatment. However, you should still buy a travel insurance policy that covers your medical conditions, as the reciprocal agreement may only cover immediate and necessary treatments.

Who has the best travel insurance?

The best travel insurance providers
ProvidersType
IMG GlobalSingle trip or multiple trips (travel insurance and travel medical insurance options offered)
Travel Insured InternationalSingle trip
Travelex InsuranceSingle trip
Seven CornersSingle trip or annual plan for multiple trips

Does Medicare cover in New Zealand?

New Zealand doesn't have a national Medicare system like Australia. If a person is eligible, treatment is provided under the same conditions as for New Zealand citizens, and is subject to the same charges as New Zealanders would pay.

Does Medicare cover you in NZ?

New Zealand doesn't have a national Medicare system like Australia.

Is ambulance free in NZ?

In New Zealand the number to dial is 111. In the Wellington area, Wellington Free Ambulance services are available at no charge. In other areas there may be a charge to use the ambulance, even if you do not call it. See the St Johns Ambulance website for more information.

Do Australians get medical cover in New Zealand?

When travelling in New Zealand, Aussies are covered by the RHCA (Reciprocal Health Care Agreement) for limited health care but it doesn't cover you for medical emergencies and the other costs associated with something unexpected.

Is Medicare accepted in New Zealand?

New Zealand doesn't have a national Medicare system like Australia. In New Zealand, eligible people can enrol with primary health organisations (PHO), which entitles them to subsidised primary health care, such as GP consultations and pharmaceuticals.

Does Australian Medicare cover you in New Zealand?

>A citizen or permanent resident of Australia, including the territories of Coco (Keeling) Islands and Christmas Island, is covered by the New Zealand/Australia Reciprocal Health Agreement if they: Australian visitors to New Zealand are not entitled to publicly funded emergency transport by ambulance.

Can Australian Medicare be used in New Zealand?

Australia (for long enough to qualify for an Australian Medicare card). Must be ordinarily resident in the United Kingdom. Temporary visit (Note: Australian citizens and Australian permanent residents will be fully eligible if staying for two years or longer). Must be on a temporary stay in New Zealand.