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New Zealand Travel Insurance

A Quick Guide on Travel Insurance for New Zealand


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    New Zealand Travel Insurance

    New Zealand, a land with the most enchanting and spectacular landscapes, is a breath of fresh air for any adventure-deprived traveller. Witness the awe-inspiring beauty of the wildlife-rich subtropical forests, glacial mountains, crystal clear lakes, volcanic craters, springs and much more. Plan your holiday in New Zealand and cherish the most amazing travel experiences the country offers.

    While you plan for a comfortable trip experience, it is necessary to spare some thought towards various travel uncertainties and take efforts to secure yourself financially. Investing in international travel insurance for New Zealand is a move in the right direction! Healthcare facilities are of top-notch standards in the country, but any emergency hospitalization may cost up to thousands of dollars for a tourist. Thus, an overseas travel cover will keep a traveller safe during such unforeseen events. 

    Moreover, the chances of loss of passport, trip delays due to severe weather condition, or thefts resulting in loss of luggage cannot be overlooked. It is easy to safeguard oneself in such situations by getting the right overseas travel plan. 

    A little effort in organising and planning your trip goes a long way. Before beginning your trip to this breath-taking country, get a New Zealand Travel Insurance policy that will ensure your financial safety. The policy will safeguard you by covering unforeseen medical and non-medical expenses.

    Is New Zealand Travel Insurance Mandatory?

    As per a specific agreement with New Zealand, citizens of some countries are allowed to apply for a working holiday visa. To apply for this visa, having a travel insurance plan is mandatory.

    However, for Indian citizens, New Zealand travel insurance is not a mandatory requirement to fulfil. Yet, the domestic health insurance policy you opted in India may not be helpful when you are on their international trip to New Zealand. Therefore, it is crucial to get a New Zealand travel insurance plan that will provide complete cover for unforeseen expenses in situations like lost baggage, trip delays or hospitalization due to life-threatening conditions or accidental injuries.

    Quick Facts About New Zealand



    Official Languages

    English, Maori


    New Zealand Dollar

    Country Calling Code


    Modes of transportation

    Buses, Trains, Ferries, Trams

    Time difference

    7 hours and 30 minutes ahead of India

    International Airports

    Wellington International Airport, Auckland Airport, Christchurch International Airport, Queenstown International Airport, Dunedin International Airport

    Benefits of New Zealand Travel Insurance 

    Events like falling sick, trip delays, or thefts can happen when travelling abroad. Thus, it is essential to travel safely by opting for a comprehensive overseas travel insurance plan. The travel plan will cover various medical or non-medical expenses you may incur during your journey. The significant benefits of the New Zealand Travel Insurance policy are:

    • Comfort: The travel insurance plan for New Zealand provides a stress-free travelling experience for every traveller, especially senior citizens and students. 
    • Saves you during a Medical Emergency: It keeps you secured and helps you avail of immediate medical care in an emergency, including accidental hospitalization. 
    • Compensation in case of Mishaps: It provides compensation to the nominee in case of the insured person’s uncertain death. The travel policy includes coverage for mishaps like accidental death, disability, and repatriation to the home country.
    • Covers you in other Contingencies: The policy covers unforeseen expenses in case of contingencies like trip delays/ cancellations and loss of belongings and documentation. 
    • Multi-Trip Policy: A frequent flyer can opt for a multi-trip travel policy and stay free from any hassle.
    • Cashless Claim Settlement: The New Zealand travel insurance plan keeps you relaxed even during an emergency as you can get the cashless claim facility. 
    • Region-specific Travel Plans: Our region-specific customised international travel insurance plans offer adequate financial protection during your trip and keep you worry-free about any travel risk.

    Things to Keep in Mind While Selecting New Zealand Travel Insurance

    Choosing the right travel insurance for your trip to New Zealand is possible if you take into account some key points, as discussed below:

    • Trip Duration: You decide on your travel budget based on your trip duration. Similarly, consider this factor before selecting and customising a travel insurance plan. A travel policy for a short trip will not cost as much as that for a 6-month long trip. 
    • Nature of Your Trip: If you plan for an adventure trip, find out the availability of optional benefits like adventure sports cover. Ensure the plan gives you adequate coverage for various travel risks.
    • Check the coverage: Review the policy inclusions to know what is covered. Our overseas travel insurance for New Zealand includes maximum benefits at an affordable premium. Get a multi-trip policy if you plan to visit the country frequently. 
    • Review the Exclusions: Avoid a situation when you may suddenly realise that your travel policy does not cover certain expenses you assumed it would. Read the policy exclusions when buying a policy. 
    • Know the Claims Procedure: Understand the claims procedure and know the specified time to notify us. Keeping vital contact details on the fingertips will save valuable time. Besides, find out if you can get cashless medical treatment in the country where you are heading. 

    How to Choose the Best New Zealand Travel Insurance Online?

    Getting a travel cover is made easy, thanks to a highly simplified online process. However, selecting a travel cover with so many options available online can be challenging for anyone. To make the right decision, one should carefully assess the travel needs and choose a suitable policy. Consider different factors, including the trip duration. Access the digital travel insurance premium calculator online to compare and review the travel plans. The premium will vary as you alter the factors, thus helping you customise a plan.

    Here are the steps to get a travel policy online:

    • Visit our official website and select travel insurance for New Zealand
    • Click on get quote after entering relevant details
    • Enter the required information to customise your policy 
    • Pay the premium through any secure digital payment mode

    We will send the policy documents on your registered e-mail ID.

    Eligibility for New Zealand Travel Insurance 

    The eligibility* criteria for an international travel insurance plan will depend on the type of plan you have chosen for your trip. Check the eligibility below:

    Travel Insurance Plans Eligibility Criteria
    Explore - International Travel Insurance The minimum entry age is one day.
    The age of a proposer is minimum 18 years or above.
    The maximum entry age for an adult is as specified in the plan.
    Student Explore – Student Travel Insurance The minimum entry age is 12 years.
    The maximum entry age is 40 years.

    What is Covered in New Zealand Travel Insurance Plan?

    We list the major medical and non-medical benefits covered in the New Zealand travel insurance policy.

    • Emergency Hospitalization Cover: The travel insurance for New Zealand covers emergency hospitalization expenses, including in-patient & out-patient care, and accidental hospitalization. 
    • COVID-19 Coverage: Our travel insurance plans also cover hospitalization in a foreign country due to coronavirus.
    • Pre-existing Diseases: The policy provides coverage for any pre-existing disease if it is a life-threatening condition.
    • Common Carrier Accidental Death: The overseas travel policy provides lump sum pay-out in case of the insured person’s unfortunate accidental death on a common carrier/transport.
    • Trip delays, interruptions, and cancellations: The travel policy will reimburse non-medical expenses incurred during unforeseen circumstances like trip delays, interruption, or cancellation.
    • Loss of travel documents: The policyholder gets a specified coverage for loss of travel documents, like passport and international driving license. 
    • Delay/ Loss of Checked-In Baggage: The international travel cover will also reimburse the expenses up to a specified amount in case of loss of checked-in baggage or any delays in receiving the luggage. 
    • Up-Gradation to Business Class: The insured person gets coverage for expenses towards up-gradation to business class, and the claim is admissible under in-patient care.
    • Automatic Trip Extension: The travel plan includes automatic trip extension up to 7 consecutive days for your extended stay in the country.

    What is Not Covered in Travel Insurance New Zealand Plan?

    New Zealand travel insurance does not offer expense cover in the following scenarios:

    • Medical treatment has taken outside the Country of Residence if that is the sole reason or one of the reasons for the journey
    • Any Treatment, which could reasonably be delay until the insured person's return to the country of residence
    • Any dental treatment or surgery unless necessitated due to an injury.
    • Circumcision unless necessary for the treatment of an illness or as may be necessitated due to an accident.
    • Treatment of any Congenital Anomaly or illness or defects or anomalies or treatment relating to birth defects
    • Hormone replacement therapy.
    • Weight management services and treatment, vitamins, and tonics related to weight control programs, services, and supplies, including treatment of obesity (including morbid obesity)

    Note: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

    Premium for New Zealand Health Travel Insurance 

    Our New Zealand travel insurance plan offers you coverage for an affordable premium. The premium cost will depend on many factors, including the number of travellers, their age, pre-existing conditions, trip duration, destination, and the sum insured and the type of coverage selected. The digital travel insurance premium calculator helps you compare different premium amounts and customise your policy to get an affordable travel cover.

    Let take an example of a solo traveller, a male aged 30 years, without any pre-existing medical condition. If he opts for a single-trip New Zealand travel insurance plan for a trip duration of one month, then the average premium* would be approx. Rs 1,548, including GST @ 18.

    Types of New Zealand Visas

    Foreign tourists can apply online for an eTA (Electronic Travel Authorization) to gain entry to New Zealand. It is valid for a maximum period of three months. The various types of visas for New Zealand include:

    • Visitor or Tourist visa: Those visiting New Zealand for tourism, leisure or meeting family and friends should apply for a visitor visa. This visa allows tourists to reside in the country for a maximum period of 9 months.
    • Work visa: Individuals can avail a temporary work visa if they are visiting New Zealand for work.
    • Student visa: Individuals who are travelling to study in New Zealand must avail of the student visa.
    • Transit visa: Individuals stopping over in New Zealand while travelling to another country must avail of a transit visa.
    • Business and Investment Visa: As an entrepreneur or investor, if you want to contribute to the country’s economy. You must apply for this visa to gain residency in the country.
    • Resident Visa: This visa entitles you to live permanently in New Zealand. Based on certain travel conditions, there are two types of visas:
      • The resident visa allows you multiple entries into the country for a specified period, usually 24 months, 5 years or 10 years.
      • A permanent resident visa that allows you multiple entry into the country without any specific time limit.

    Visa Procedure for New Zealand

    Step 1: Obtain visa application form online

    Step 2: Fill the form with relevant details and photographs

    Step 3: Submit all the form and supporting documents at the nearest New Zealand Visa Application Centre

    Step 4: Pay the required visa fee

    Documents required for visa application:

    • Visa application form duly filled with relevant details
    • Passport with 6-months validity and old passport, if any
    • Passport-size photograph
    • Cover letter mentioning the purpose of visit
    • Supporting document proofs (e.g. proof of admission for study visa or proof of employment for a work visa)
    • Proof of sufficient funds for travel requirements
    • Return air tickets

    You can collect the visa from the Visa Application Centre or get the same delivered to your address.

    New Zealand Travel Guide

    Any time of the year is suitable for visiting New Zealand. However, due to the country’s location in a different hemisphere, the seasons are the opposite of that in India. That is, the summer in New Zealand is from December to February. The weather is warm and pleasant; this is just perfect for all adventure activities.

    During autumn or fall that lasts from March to May, you will find it an ideal time for a laid-back vacation. The winter months are between June and August – the best time to go hiking and skiing in the snow-covered mountains. Visit the country in the springtime from September and November, and you will see blue skies and flowering trees.

    Therefore, make sure your travel plans are aligned with the seasons in the country.

    Everything from food to shopping for souvenirs can be quite expensive. You must plan your budget accordingly. Cooking your meals can be an economical option.

    For exploring the cities, you can rely on the intercity buses and ferries. Renting a car is also a convenient option. Familiarise with the driving rules of the country.

    Ensure you are aware of the local customs, especially when visiting Marae, which is a sacred place in Polynesian societies. Learn a few phrases in the local language, Māori, for easy communication with locals.

    Top Places To Visit In New Zealand

    New Zealand is an island country situated in the southwest part of the Pacific Ocean. Thanks to a well-developed infrastructure, the country has numerous tourist attractions, and every traveller can look forward to a unique and enthralling travel experience. From the rich marine resources and extensive coastlines to the distinctive culture and cuisines - there is a lot to explore in this country, fondly referred to as the ‘land of the Kiwis’.

    • Bay of Islands: A picturesque location consisting of 140 subtropical islands, this is a famous site for fishing yachting, sailing and other adventure activities.
    • Auckland City: Pristine beaches, dormant volcano spots, rainforests and diverse wildlife - witness the amazing nature reserves of New Zealand at Auckland, a bustling cosmopolitan city.
    • Rotorua: It is a town near Lake Rotorua in the North Island where you will get a glimpse of the Maori culture. This place is popular for geothermal phenomena like thermal springs and volcanic crater formations.
    • Queenstown City: A coveted destination for adventure lovers, Queenstown offers unlimited opportunities for activities like bungee jumping, rock climbing, paragliding, mountain biking and much more. Also, check out the vineyards and the remarkable mining towns.
    • Franz Josef and Fox Glaciers: These are some of the easily accessible glacial rivers in the world. The ice-capped mountain peaks are a sight to behold. The location is ideal for heli-hiking and camping.

    Other Travel Insurance Plans:

    Australia Travel Insurance

    USA Travel Insurance

    Asia Travel Insurance

    Thailand Travel Insurance

    Spain Travel Insurance

    Singapore Travel Insurance

    Germany Travel Insurance

    Schengen Travel Insurance

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