New Zealand Travel Insurance

New Zealand is one of the safest holiday destinations in the world. However, like any other travel destination it is highly recommended that all visitors be covered by a sound travel insurance policy as if the worst does happen, you could still be stuck abroad with a mounting mountain of debt.

Australia and New Zealand have a reciprocal health agreement, allowing Australian visitors to access a range of hospital services, pharmaceuticals and maternity services while visiting New Zealand. However, as existing conditions are only covered where treatment is considered essential – as in emergencies – it is strongly recommended that all visitors to New Zealand take out comprehensive travel insurance.

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New Zealand Travel Insurance

Medical Insurance

While there is the reciprocal health agreement, this does not allow for regular treatment for an existing condition. Furthermore, temporary visitors will have injury or illness reviewed, and if the patient is considered medically well enough to fly then he or she will be returned home. The reciprocal health agreement does not cover the costs of medical evacuation.

Australian visitors to New Zealand are also not entitled to publicly funded emergency transport by ambulance even in an emergency situation, and are not eligible for free primary healthcare consultations. Should any visitor be hospitalised for a lengthy period during their stay in New Zealand, it may be possible to claim expenses under the travel insurance for flying a family member over to keep the patient company.*

*subject to the terms and conditions of the PDS

Essential Cover

Health must be a top priority but there are a number of other circumstances that merit consideration within a travel insurance policy. The loss or theft of personal belongings, valuables, or cash can ruin a holiday and leave the traveller out of pocket. Consider a policy which covers such losses and where possible, luggage delay expenses.

Cancelling a flight can be costly and most of us would only consider doing it if there was a death or illness in the family. Unfortunately, most airlines will not offer an alternative free flight and your travel insurance may cover you in these circumstances.  It may also give cover for additional expenses you may incur if your flight is cancelled or delayed.


It is not compulsory to have car insurance in New Zealand but it is recommended that at least third party insurance be taken out to reduce the risk of being caught up in an accident and subsequent debt. While hire car companies offer a basic insurance, the excesses can be high and you may find that your insurance provider can help offer cover the cost of those excesses.

Even when visiting a safe country like New Zealand, there is always an element of risk, so make sure your insurance policy covers all eventualities.

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Downunder Insurance Services Limited ABN 59 094 140 655 AFS License No 281478 arranges this insurance as agent for AWP Australia Pty Ltd ABN 52 097 227 177 AFS License No 245631 trading as Allianz Global Assistance. This insurance is issued and managed by Allianz Global Assistance on behalf of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS License No 234708. Terms, conditions and exclusions apply. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. You should consider the Product Disclosure Statement available on this website before making any decisions about this product. If you purchase a policy, Downunder Insurance Services Limited receives a commission which is a percentage of your premium — ask us for more information before we provide you with any services on this product.

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