{"id":102592,"date":"2026-10-23T13:11:09","date_gmt":"2026-10-23T02:41:09","guid":{"rendered":"https:\/\/thechampagnemile.com.au\/deals\/?page_id=102592"},"modified":"2026-10-24T16:03:50","modified_gmt":"2026-10-24T05:33:50","slug":"best-travel-insurance-for-new-zealand","status":"publish","type":"page","link":"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-new-zealand\/","title":{"rendered":"Best Travel Insurance for New Zealand from Australia"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">New Zealand is just a few hours across the Tasman, it feels a lot like home, and it&#8217;s the most popular overseas trip for many Australians. That familiarity leads plenty of travellers to skip travel insurance, on the assumption that Medicare or New Zealand&#8217;s ACC scheme will look after them.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">They&#8217;ll help with some costs, but they leave big gaps: getting you home after a serious injury, cancelled bookings, lost luggage and rental car excess. This guide explains exactly what&#8217;s covered and what isn&#8217;t, compares the insurers we rate for New Zealand, and covers ski trips, campervans and Queenstown&#8217;s adventure activities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-aioseo-key-points\"><div class=\"aioseo-key-points-block-content\">\n<ul class=\"wp-block-list tcm-key-takeaways\">\n<li>Australia and New Zealand have a reciprocal healthcare agreement, but it only covers immediately necessary treatment in public hospitals.<\/li>\n\n\n\n<li>GP visits, private care and medical repatriation to Australia aren&#8217;t covered by the agreement. Travel insurance fills those gaps.<\/li>\n\n\n\n<li>ACC covers accident injuries in New Zealand, but it doesn&#8217;t pay to fly you home, reimburse cancelled trips or replace stolen belongings.<\/li>\n\n\n\n<li>Planning to ski or snowboard? Check whether your policy includes snow sports or needs an add-on.<\/li>\n\n\n\n<li>Hiring a car or campervan? Rental excess cover can save you thousands if you have a bump.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Best travel insurance for New Zealand: our picks<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There&#8217;s no single best policy for everyone. A couple on a long weekend in Auckland needs very different cover from a family on a South Island campervan trip or a group skiing in Queenstown. These are the insurers we&#8217;d shortlist, grouped by the type of traveller they suit best.<\/p>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em><strong>Affiliate Disclosure: <\/strong>The Champagne Mile may earn a commission via links on this page. You should assess your own financial situation and needs and read all relevant Product Disclosure Statements and Terms and Conditions on the website of each Vendor before making a decision to purchase any service or product we display.<\/em><\/p>\n\n\n\n<div class=\"wp-block-rehub-deal-coupon-list rhpb-deal-coupon-grid rhpb-65b24be9-987d-40c5-8ddd-e027f72a379a\">\t\t<div class=\"woo_offer_list \" data-filterargs='{\"post_type\":\"post\",\"posts_per_page\":12,\"order\":\"desc\",\"tag__in\":[\"991\"],\"orderby\":\"date\",\"no_found_rows\":1,\"ignore_sticky_posts\":1}' data-template=\"postlistpart\" id=\"rh_filterid_1544492478\" data-innerargs='{\"aff_link\":\"\"}'>\r\n\t\t\r\n\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Southern Cross Travel Insurance: Big Family Trip, Small Premium\" href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-big-family-trip-small-premium\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/southern-cross-travel-insurance-promo-codes-feature-image-4-rrrw9xiig46ivk6ppo74vc7crqpi2gmxvalzhxfrdk.jpg\" height=\"92\" alt=\"Southern Cross Travel Insurance: Big Family Trip, Small Premium\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 day ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h2 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-big-family-trip-small-premium\/\"   class=\"re_track_btn\">Southern Cross Travel Insurance: Big Family Trip, Small Premium<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nAward-winning cover trusted by over 6 million travellers, with free cover for dependent kids and a policy for every budget.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/scti\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget quote\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Dive, trek, ski or ride. 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Buy or extend your policy even after you&#8217;ve left home.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/worldnomads\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget quote\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  coupontype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"CoverMore: Save 15% on your next policy.\" href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-save-15-on-your-next-policy\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/covermore-promo-code-logo-4-rp859idy2pinmraudcpy1yq73h6cgjg959awp24yfs.png\" height=\"92\" alt=\"CoverMore: Save 15% on your next policy.\" \/>                        <\/a>\r\n            <div class=\" coupontype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Coupon<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            10 hours ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h2 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-save-15-on-your-next-policy\/\"   class=\"re_track_btn\">CoverMore: Save 15% on your next policy.<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nGet great cover and greater value. Save 15% on travel insurance with our promo code. T&amp;Cs apply.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  reveal_enabled mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget discount\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t    \t\t\t\t\t    \t\t<div class=\"post_offer_anons\">\n\t\t\t    \t\t\t\t\t                \t<span class=\"coupon_btn re_track_btn btn_offer_block rehub_offer_coupon masked_coupon \" data-clipboard-text=\"MORE15\" data-codeid=\"96018\" data-dest=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore\">\n\t\t                \t\t\t\t\t            \t\t\tget discount\t\t                \t\t\t\t                \t<\/span>\n\t\t            \t<\/div>\n\t            \t\t\t    \t\t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"10% Off When You Sign Up with Zoom Travel Insurance\" href=\"https:\/\/thechampagnemile.com.au\/deals\/10-off-when-you-sign-up-with-zoom-travel-insurance\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/zoom-travel-insurance-promo-code-logo-4-rp855ikn121saf3qp4k0yh0o7iv6qulblhhm9q26vs.png\" height=\"92\" alt=\"10% Off When You Sign Up with Zoom Travel Insurance\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 day ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h2 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/10-off-when-you-sign-up-with-zoom-travel-insurance\/\"   class=\"re_track_btn\">10% Off When You Sign Up with Zoom Travel Insurance<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nThat&#8217;s right. Score a 10% discount using this code to save on your next Zoom Insurance policy. Works on Comprehensive, Standard, and Basic plans.\u00a0\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget discount\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Save 15% off your next travel insurance policy with Freely\" href=\"https:\/\/thechampagnemile.com.au\/deals\/save-15-off-your-next-travel-insurance-policy-with-freely\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/freely-discount-code-logo-4-rp855a43bjq7dxg12iwdu15iv20vtknqkbm8y8eqfs.png\" height=\"92\" alt=\"Save 15% off your next travel insurance policy with Freely\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 day ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h2 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/save-15-off-your-next-travel-insurance-policy-with-freely\/\"   class=\"re_track_btn\">Save 15% off your next travel insurance policy with Freely<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nSave 15% on your next travel insurance policy with Freely. Get reliable cover, flexible options, and travel with confidence for less.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/freely\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget discount\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n        \r\n<\/div>\t\t\t\r\n\t\t\t<div class=\"rh_offer_list  defdealtype pt0 pb0 pl0 pr0 w_disclaimer\"> \r\n             \r\n    <div class=\"rh_grid_image_3_col\">\r\n        <div class=\"rh_gr_img_first offer_thumb\"> \r\n            <div class=\"border-grey deal_img_wrap position-relative text-center width-100\"> \r\n            <div class=\"favorrightside wishonimage\"><\/div>      \r\n            <a title=\"Tick for straightforward, affordable cover\" href=\"https:\/\/thechampagnemile.com.au\/deals\/all-pre-existing-medical-conditions-considered\/\"   class=\"re_track_btn\">\r\n                          \r\n                <img decoding=\"async\" class=\"nolazyftheme\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/thumbs_dir\/tick-travel-insurance-promo-code-logo-4-rp859idy2pinmraudcpy1yq73h6cgjg959awp24yfs.png\" height=\"92\" alt=\"Tick for straightforward, affordable cover\" \/>                        <\/a>\r\n            <div class=\" defdealtype_deal_string deal_string border-top font70 lineheight25 text-center upper-text-trans\">Deal<\/div>\r\n            <\/div>\r\n\r\n        <\/div>\r\n        <div class=\"rh_gr_top_middle\"> \r\n            <div class=\"woo_list_desc\">\r\n                <div class=\"woolist_meta mb10\">\r\n                                            <span class=\"date_ago mr5\">\r\n                            <i class=\"rhicon rhi-clock\"><\/i> \r\n                                                            1 day ago                                                    <\/span>\r\n                    \r\n                       \r\n                                          \r\n                <\/div>                        \r\n                <h2 class=\"font110 mb10 mt0 moblineheight20 \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/all-pre-existing-medical-conditions-considered\/\"   class=\"re_track_btn\">Tick for straightforward, affordable cover<\/a><\/h2>\r\n                \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t    \t\t\t\n\t                 \r\n                                                 \r\n                <div class=\"clearfix\"><\/div>                                                                                         \r\n            <\/div>               \r\n        <\/div>\r\n        <div class=\"rh_gr_middle_desc font80 lineheight15\">\r\n            \nChoose cover from four no-nonsense tiers &#8211; so you get exactly what you need without paying for what you don&#8217;t.\n        <\/div>  \r\n        \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n        <div class=\"rh_gr_btn_block\">\r\n            \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  mobile_block_btnclock mb0\">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget quote\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t        <\/div>        \r\n    <\/div>\r\n            <div class=\"rev_disclaimer lightgreybg font60 greycolor lineheight15 pt5 pb5 pl15 pr15\">Tick Travel Insurance Disclaimer: \r\n\r\nThis insurance is underwritten by the insurer Europ Assistance Australia Pty Ltd, ACN 140 219 594, AFSL 552106, trading as Tick Travel Insurance and other brands. Sub-limits, terms, conditions, and exclusions may apply. Please refer to the PDS for full details.\u202f (https:\/\/www.tickinsurance.com.au\/policy-wordings\/)\r\n\r\n \r\n\r\nIf you take out a Travel Insurance policy with Tick Travel Insurance as a result of the services provided by us, Europ Assistance Australia Pty Ltd (Trading as Tick Travel Insurance) may pay us a referral fee.<\/div>\r\n        \r\n<\/div>\t\t\r\n\t\t\r\n\t<\/div>\r\n\t<div class=\"clearfix\"><\/div>\r\n\r\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Quick comparison<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Insurer<\/th><th class=\"has-text-align-left\" data-align=\"left\">Best for<\/th><th class=\"has-text-align-left\" data-align=\"left\">Snow sports<\/th><\/tr><\/thead><tbody><tr><td><strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/tick-travel-insurance-promo-code\/\">Tick<\/a><\/strong><\/td><td>Budget<\/td><td>Optional add-on<\/td><\/tr><tr><td><strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-promo-codes\/\">SCTI<\/a><\/strong><\/td><td>Families<\/td><td>Optional add-on<\/td><\/tr><tr><td><strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/zoom-travel-insurance-discount-code\/\">Zoom<\/a><\/strong><\/td><td>Medical only<\/td><td>Winter Sports Pack<\/td><\/tr><tr><td><strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-promo-code\/\">Cover-More<\/a><\/strong><\/td><td>Ski trips<\/td><td>Snow Sports or Snow Sports+<\/td><\/tr><tr><td><strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/freely-discount-code\/\">Freely<\/a><\/strong><\/td><td>Flexible cover<\/td><td>Per-day boost<\/td><\/tr><tr><td><strong><a href=\"https:\/\/thechampagnemile.com.au\/deals\/world-nomads-travel-insurance-discount-code\/\">World Nomads<\/a><\/strong><\/td><td>Adventure<\/td><td>Optional add-on<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em>Always read the Product Disclosure Statement (PDS) before you buy. Cover levels, limits and excesses change, and the PDS is the document that decides your claim.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do Australians need travel insurance for New Zealand?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">It isn&#8217;t compulsory, and New Zealand doesn&#8217;t ask for proof of insurance at the border. But the Australian government recommends travel insurance for every overseas trip, including New Zealand, because the safety nets that do exist leave some expensive gaps.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Travel insurance is worth it for New Zealand if you want cover for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Getting home after a serious injury or illness.<\/strong> A medical flight back to Australia isn&#8217;t covered by Medicare, the reciprocal agreement or ACC.<\/li>\n\n\n\n<li><strong>Cancelled or disrupted trips.<\/strong> Prepaid flights, ski passes, tours and accommodation are lost if you get sick before you go or weather closes airports and roads.<\/li>\n\n\n\n<li><strong>Rental car and campervan excess.<\/strong> A minor scrape on a South Island road can cost you thousands without excess cover.<\/li>\n\n\n\n<li><strong>Lost, stolen or delayed luggage.<\/strong> Including ski gear and electronics.<\/li>\n\n\n\n<li><strong>GP visits and prescriptions.<\/strong> Visitors pay full casual rates for a GP, and the reciprocal agreement doesn&#8217;t cover that.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Medicare, the reciprocal agreement and ACC: what&#8217;s covered<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This is where most of the confusion lies. Here&#8217;s how the three safety nets work for Australian visitors, and where travel insurance fits in.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Cost<\/th><th class=\"has-text-align-left\" data-align=\"left\">Reciprocal agreement<\/th><th class=\"has-text-align-left\" data-align=\"left\">ACC<\/th><th class=\"has-text-align-left\" data-align=\"left\">Travel insurance<\/th><\/tr><\/thead><tbody><tr><td><strong>Emergency public hospital treatment<\/strong><\/td><td>Yes, if immediately necessary<\/td><td>Yes, for accidents<\/td><td>Yes<\/td><\/tr><tr><td><strong>GP visits<\/strong><\/td><td>No, full casual rate<\/td><td>Partly, for accident injuries<\/td><td>Yes<\/td><\/tr><tr><td><strong>Private hospital care<\/strong><\/td><td>No<\/td><td>No<\/td><td>Yes, on most policies<\/td><\/tr><tr><td><strong>Ambulance<\/strong><\/td><td>Not guaranteed<\/td><td>For accidents<\/td><td>Yes<\/td><\/tr><tr><td><strong>Medical flight home to Australia<\/strong><\/td><td>No<\/td><td>No<\/td><td>Yes<\/td><\/tr><tr><td><strong>Cancelled flights and bookings<\/strong><\/td><td>No<\/td><td>No<\/td><td>Yes, on comprehensive policies<\/td><\/tr><tr><td><strong>Lost or stolen belongings<\/strong><\/td><td>No<\/td><td>No<\/td><td>Yes, on comprehensive policies<\/td><\/tr><tr><td><strong>Rental car excess<\/strong><\/td><td>No<\/td><td>No<\/td><td>Yes, on most comprehensive policies<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"wpsm_box green_type nonefloat_box mb30\" style=\"text-align:left; width:auto\"><i><\/i><div>\n\t\t\t<strong>What is ACC?<\/strong> The <a href=\"https:\/\/www.acc.co.nz\/\">Accident Compensation Corporation<\/a> is New Zealand&#8217;s no-fault accident scheme, and it covers visitors too. It pays for treatment of accident injuries in New Zealand. In return, you generally can&#8217;t sue anyone for those injuries. ACC doesn&#8217;t cover illness, and it won&#8217;t pay to get you home to Australia. \n\t\t\t<\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\">To use the reciprocal agreement, take your Medicare card and passport. Remember that it applies only to treatment that can&#8217;t wait until you&#8217;re back in Australia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Skiing and snowboarding in New Zealand<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">New Zealand&#8217;s ski season runs roughly from June to October, and fields like Coronet Peak, The Remarkables, Cardrona and Mt Hutt are packed with Australians. ACC helps with accident treatment on the slopes, but it won&#8217;t cover your ski pass, hired gear, cancelled lessons or the trip home if you&#8217;re badly hurt.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Check whether snow sports are included.<\/strong> Some policies cover on-piste skiing by default, while others need an add-on bought at the time of purchase.<\/li>\n\n\n\n<li><strong>Off-piste is usually excluded.<\/strong> Where it&#8217;s covered, it&#8217;s often limited to resort boundaries or skiing with a guide.<\/li>\n\n\n\n<li><strong>Heli-skiing needs specific cover.<\/strong> It&#8217;s popular around Queenstown and Wanaka, but most standard snow cover won&#8217;t include it.<\/li>\n\n\n\n<li><strong>Look for gear and lift pass cover.<\/strong> Good snow cover includes your own equipment, hired gear and unused passes if you&#8217;re injured.<\/li>\n\n\n\n<li><strong>Weather closures happen.<\/strong> Snowstorms can close ski fields and access roads. Check what your policy says about piste closure and travel delays.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Heading to Japan for snow instead? See our <a href=\"https:\/\/www.claudeusercontent.com\/deals\/guides\/best-travel-insurance-for-japan\/\">Japan travel insurance guide<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Campervans and rental cars<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A campervan or road trip is how many Australians see the South Island, and rental excess is one of the most common New Zealand claims. Excesses on rental cars and campervans can run into the thousands, and the hire company&#8217;s own excess reduction is often expensive.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Check your rental excess limit.<\/strong> Make sure the policy&#8217;s limit is at least as high as the excess in your hire agreement.<\/li>\n\n\n\n<li><strong>Campervans aren&#8217;t always included.<\/strong> Some policies cover cars but exclude motorhomes or vehicles over a certain size. Check before you book.<\/li>\n\n\n\n<li><strong>Stay on sealed roads.<\/strong> Driving on unsealed roads, or roads your hire agreement excludes, can void both the hire company&#8217;s cover and your insurer&#8217;s.<\/li>\n\n\n\n<li><strong>Keep your licence valid.<\/strong> Australians can drive in New Zealand on a current Australian licence, but you&#8217;re not covered if you drive without one.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Still comparing hire companies? See our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/car-rental-discount-codes\/\">car rental deals<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Adventure activities in New Zealand<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Queenstown calls itself the adventure capital of the world, and many of its best-known activities sit in a grey area for travel insurance. Check your PDS, or add adventure cover, before you try:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bungy jumping<\/strong> at Kawarau Bridge, the Nevis or Auckland Harbour Bridge<\/li>\n\n\n\n<li><strong>Skydiving and paragliding<\/strong> over Queenstown, Wanaka and Taupo<\/li>\n\n\n\n<li><strong>Jet boating and white-water rafting<\/strong> on the Shotover and Kawarau rivers<\/li>\n\n\n\n<li><strong>Multi-day hikes<\/strong> like the Milford, Routeburn and Tongariro tracks, especially in alpine conditions<\/li>\n\n\n\n<li><strong>Glacier walks and heli-hikes<\/strong> at Franz Josef and Fox<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Most policies only cover these activities when you book through a licensed commercial operator. For more on high-risk activities, see our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-for-adventure-sports\/\">adventure sports travel insurance guide<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How much does travel insurance for New Zealand cost?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">New Zealand is one of the cheapest overseas destinations to insure, because it sits in the lowest-cost region for most Australian insurers. Your premium depends on:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Factor<\/th><th class=\"has-text-align-left\" data-align=\"left\">How it affects your price<\/th><\/tr><\/thead><tbody><tr><td><strong>Age<\/strong><\/td><td>Premiums rise with age, especially from your 60s onwards.<\/td><\/tr><tr><td><strong>Trip length<\/strong><\/td><td>Longer trips cost more. If you cross the Tasman several times a year, an annual multi-trip policy can work out cheaper.<\/td><\/tr><tr><td><strong>Level of cover<\/strong><\/td><td>Medical-only policies are the cheapest. Comprehensive adds cancellation, luggage and rental excess cover.<\/td><\/tr><tr><td><strong>Snow sports<\/strong><\/td><td>Adding ski cover increases the premium, and off-piste or heli-ski cover costs more again.<\/td><\/tr><tr><td><strong>Pre-existing conditions<\/strong><\/td><td>Covering a declared condition usually adds an extra premium.<\/td><\/tr><tr><td><strong>Excess<\/strong><\/td><td>Choosing a higher excess lowers your premium, but you pay more if you claim.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The quickest way to find your real price is to get quotes from two or three insurers with the same trip details and compare the cover side by side, not just the headline price.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Over 70, travelling with a medical condition or cruising to New Zealand? See our guides to <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\">seniors travel insurance<\/a>, <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\">pre-existing medical conditions<\/a> and <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-cruises\/\">cruise travel insurance<\/a>.<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"102322\" class=\"elementor elementor-102322\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-237b433 e-flex e-con-boxed e-con e-parent\" data-id=\"237b433\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c92addf elementor-widget elementor-widget-html\" data-id=\"c92addf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/cdn.jsdelivr.net\/npm\/@tabler\/icons-webfont@3.19.0\/dist\/tabler-icons.min.css\">\r\n<style>\r\nhtml body .tcm-mtig { display:block !important; width:100% !important; margin:0 !important; padding:0 !important; font-family:inherit !important; box-sizing:border-box !important; }\r\nhtml body .tcm-mtig *, html body .tcm-mtig *::before, html body .tcm-mtig *::after { box-sizing:border-box !important; }\r\nhtml body .tcm-mtig .tcm-pricematch-grid { display:grid !important; grid-template-columns:repeat(auto-fill, minmax(220px, 1fr)) !important; gap:8px !important; margin:0.85rem 0 0 0 !important; padding:0 !important; }\r\nhtml body .tcm-mtig a.tcm-country-link { display:flex !important; align-items:center !important; justify-content:space-between !important; gap:6px !important; font-family:inherit !important; background:#f8f9fc !important; border:1px solid rgba(10,31,92,0.08) !important; border-radius:7px !important; padding:0.55rem 0.75rem !important; margin:0 !important; font-size:12.5px !important; font-weight:600 !important; line-height:1.4 !important; color:inherit !important; text-decoration:none !important; box-shadow:none !important; transition:border-color 0.15s ease, background 0.15s ease !important; }\r\nhtml body .tcm-mtig a.tcm-country-link:hover { border-color:#b8992e !important; background:#ffffff !important; color:inherit !important; text-decoration:none !important; }\r\nhtml body .tcm-mtig a.tcm-country-link:focus-visible { outline:2px solid #b8992e !important; outline-offset:2px !important; }\r\nhtml body .tcm-mtig .tcm-country-link-label { display:inline-flex !important; align-items:center !important; gap:7px !important; color:inherit !important; }\r\nhtml body .tcm-mtig .tcm-country-link-icon { font-size:13px !important; color:#b8992e !important; flex-shrink:0 !important; }\r\n@media (max-width: 600px) {\r\n  html body .tcm-mtig .tcm-pricematch-grid { grid-template-columns:minmax(0, 1fr) !important; }\r\n}\r\n<\/style>\r\n\r\n<h2 class=\"wp-block-heading\">More Travel Insurance Guides<\/h2>\r\n\r\n<div class=\"tcm-mtig\">\r\n  <p class=\"wp-block-paragraph\">Every trip, traveller and risk changes what you need from a policy. These guides go deeper on each situation, and it&#8217;s worth comparing <a href=\"https:\/\/thechampagnemile.com.au\/deals\/travel-insurance-promo-codes\/\">providers<\/a> before you buy. <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/#travel-insurance-guides\">Browse all travel insurance guides<\/a>.<\/p>\r\n  <div class=\"tcm-pricematch-grid\"><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-families\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-users-group tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Families<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-backpackers\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-backpack tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Backpackers<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-students\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-school tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Students<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-pregnant-travellers\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-baby-carriage tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Pregnant Travellers<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-heart-handshake tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Seniors<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-cruises\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-anchor tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Best Travel Insurance for Cruises<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/annual-vs-single-trip-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-calendar-repeat tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Annual vs Single Trip Travel Insurance<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/domestic-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-map-pin tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Domestic Travel Insurance<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-heartbeat tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Pre-Existing Medical Conditions<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-for-adventure-sports\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-mountain tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Travel Insurance for Adventure Sports<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-covid-cover\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-virus tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Travel Insurance COVID Cover<\/span><\/a><a class=\"tcm-country-link\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/credit-card-travel-insurance\/\"><span class=\"tcm-country-link-label\"><i class=\"ti ti-credit-card tcm-country-link-icon\" aria-hidden=\"true\"><\/i>Credit Card Travel Insurance<\/span><\/a><\/div>\r\n<\/div>\r\n<script>\r\n(function(){\r\n  try {\r\n    var here = location.pathname.replace(\/\\\/+$\/, '');\r\n    document.querySelectorAll('.tcm-mtig a.tcm-country-link').forEach(function(a){\r\n      var p = a.pathname.replace(\/\\\/+$\/, '');\r\n      if (p === here) a.style.setProperty('display', 'none', 'important');\r\n    });\r\n  } catch (e) {}\r\n})();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\n\n\n<h2 class=\"wp-block-heading\">New Zealand travel insurance FAQs<\/h2>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Do Australians need travel insurance for New Zealand?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">It isn\u2019t compulsory, but it\u2019s strongly recommended. The reciprocal healthcare agreement only covers immediately necessary treatment in public hospitals, and neither it nor ACC covers a medical flight home, cancelled bookings, lost luggage or rental car excess.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does Medicare cover me in New Zealand?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Not directly. Under the reciprocal healthcare agreement, Australians can get immediately necessary treatment in New Zealand\u2019s public hospitals. You\u2019ll still pay for GP visits and private care, and repatriation to Australia isn\u2019t covered.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does ACC cover Australian tourists?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Yes. ACC covers accident injuries for visitors to New Zealand, including treatment costs in New Zealand. It doesn\u2019t cover illness, and it won\u2019t pay to fly you home or reimburse cancelled travel.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does travel insurance cover skiing in New Zealand?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Some policies include on-piste skiing and snowboarding, while others need an optional snow sports add-on. Off-piste and heli-skiing usually need a higher level of cover, so check the PDS before you buy.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Should I buy the travel insurance offered with my flights?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">It can be convenient, but it isn\u2019t always the best value. Compare the airline\u2019s policy against a few other insurers with the same trip details, and check medical limits, rental excess and snow cover before deciding.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Is annual travel insurance worth it for New Zealand?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">If you visit New Zealand or other countries a few times a year, an annual multi-trip policy can be cheaper than buying single trip cover each time. Check the maximum trip length allowed on each policy.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does travel insurance cover campervan hire in New Zealand?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Many comprehensive policies include rental vehicle excess cover, but some exclude campervans or motorhomes, or cap the amount below the hire company\u2019s excess. Check the PDS and your hire agreement before you book.<\/p>\n<\/div><\/div>\n\n\n<div id=\"rh-postel-909279121\" class=\"rh-flex-center-align rh-flex-justify-\">\n\t\t<style>\n\t\t\t#rh-postel-909279121 .heart_thumb_wrap .heartplus{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 .price_count{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 a.admin{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 .admin-name{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 a.admin img{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 nav.top_menu > ul > li{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 .admin_meta_el{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 .priced_block .btn_offer_block{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 .wpsm-button.medium{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 .menu-cart-btn{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 .price_count .rh_regular_price{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 .price_count del{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 .rh-header-icon{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 nav.top_menu > ul > li > a{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 .dl-menuwrapper button svg line{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 .dl-menuwrapper button{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 nav.top_menu ul.sub-menu > li > a{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 .heads_icon_label{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 .rh_woocartmenu-amount{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 .row_social_inpost span.share-link-image{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 .favour_btn_red .heart_thumb_wrap{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-909279121 .favour_in_row{\n\t\t\t\t\n\t\t\t}\n\t\t<\/style>                    <div class=\"author_detail_box clearfix\"><img alt='michael' src='https:\/\/secure.gravatar.com\/avatar\/256e32f2f5867573891f17366c8dd5f6358af8dff92dc7f5a4b2b53df73e2e5a?s=69&#038;d=mm&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/256e32f2f5867573891f17366c8dd5f6358af8dff92dc7f5a4b2b53df73e2e5a?s=138&#038;d=mm&#038;r=g 2x' class='avatar avatar-69 photo' height='69' width='69' \/>                <style>\r\n                    .author_detail_box { background-color: #fff; border: 1px solid #ededed; padding: 20px 0px; margin: 5px auto 40px auto; position: relative; min-height: 90px;width: 100%}\r\n                    .author_detail_box a{text-decoration: none;}\r\n                    .archive .author_detail_box { margin: 0 0 10px 0 }\r\n                    .author_detail_box .avatar {width: 71px; position: absolute; left: 20px; top: 15px; }\r\n                    .author_detail_box > div { width: 100%;    padding: 0 20px 0 110px }\r\n                    .author_detail_box div .social_icon { border-bottom: 1px solid #eee; padding-bottom: 15px; margin-bottom: 15px; }\r\n                    .author_detail_box div h4 {margin: 0 0 8px 0;}\r\n                    .author_detail_box div p { font-size: 14px;line-height: 16px; color: #111111; margin: 0 0 10px 0 }\r\n                    .author_detail_box .rh_mycred-users-badges{display: inline-block; margin-right: 5px }\r\n                    .rtl .author_detail_box .avatar { left: inherit; right: 20px }\r\n                    .rtl .author_detail_box > div { padding: 0 110px 0 20px }\r\n                <\/style>\r\n                <div class=\"clearfix\">\r\n                                    \r\n                    <strong class=\"mb10\">\r\n                        <a href=\"https:\/\/thechampagnemile.com.au\/deals\/author\/michael\/\">michael<\/a>\r\n                                                \r\n                    <\/strong class=\"mb10\">\r\n                    <div class=\"social_icon small_i\">\r\n                        <div class=\"comm_meta_cred\">\r\n                                                                                <\/div>                     \r\n                        <a href=\"https:\/\/thechampagnemile.com.au\/deals\/\" class=\"author-social hm\" rel=\"nofollow\"><i class=\"rhicon rhi-home\"><\/i><\/a>                                                                                                                                                                                                                     <\/div>\r\n                    <p>Michael has been publishing deals and travel content for Australians for more than 10 years and runs the deals section of The Champagne Mile. With a Bachelor of Commerce and a background in commercial law, he reads the fine print so you don&#8217;t have to, from insurance PDSs to promo code terms. Every deal on the site is checked before it goes live and updated when offers change. When he&#8217;s not testing codes, he&#8217;s planning his next overseas trip or out on his dirt bike.<\/p>                    <p>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>","protected":false},"excerpt":{"rendered":"<p>New Zealand is just a few hours across the Tasman, it feels a lot like home, and it&#8217;s the most popular overseas trip for many Australians. That familiarity leads plenty of travellers to skip travel insurance, on the assumption that Medicare or New Zealand&#8217;s ACC scheme will look after them. They&#8217;ll help with some costs, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":102561,"parent":96339,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[],"tags":[],"class_list":["post-102592","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.4 - aioseo.com -->\n\t<meta name=\"description\" content=\"Do Australians need travel insurance for New Zealand? Compare policies, see what Medicare and ACC won\u2019t cover, plus ski, campervan and adventure cover.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"google-site-verification\" content=\"Lb-YNjKnkpLidK0Mw6a1JQ5pvIJpY2aovB5oxBuwgxo\" \/>\n\t<meta name=\"msvalidate.01\" content=\"81ff27c196c04306b8b6d2c52967f5e8\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-new-zealand\/\" \/>\n\t\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 5.0.4\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_AU\" \/>\n\t\t<meta property=\"og:site_name\" content=\"THE CHAMPAGNE MILE\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Best Travel Insurance for New Zealand from Australia\" \/>\n\t\t<meta property=\"og:description\" content=\"Do Australians need travel insurance for New Zealand? 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It doesn\u2019t cover illness, and it won\u2019t pay to fly you home or reimburse cancelled travel.","question":"Does ACC cover Australian tourists?","type":"aioseo\/faq"},{"hidden":false,"schemaBlockId":"aioseo-mvkcjdwelxrnj","tagName":"h3","answer":"Some policies include on-piste skiing and snowboarding, while others need an optional snow sports add-on. Off-piste and heli-skiing usually need a higher level of cover, so check the PDS before you buy.","question":"Does travel insurance cover skiing in New Zealand?","type":"aioseo\/faq"},{"hidden":false,"schemaBlockId":"aioseo-mvkcjpq4jljqr","tagName":"h3","answer":"It can be convenient, but it isn\u2019t always the best value. Compare the airline\u2019s policy against a few other insurers with the same trip details, and check medical limits, rental excess and snow cover before deciding.","question":"Should I buy the travel insurance offered with my flights?","type":"aioseo\/faq"},{"hidden":false,"schemaBlockId":"aioseo-mvkck9932ivss","tagName":"h3","answer":"If you visit New Zealand or other countries a few times a year, an annual multi-trip policy can be cheaper than buying single trip cover each time. Check the maximum trip length allowed on each policy.","question":"Is annual travel insurance worth it for New Zealand?","type":"aioseo\/faq"},{"hidden":false,"schemaBlockId":"aioseo-mvkcksvfxevw3","tagName":"h3","answer":"Many comprehensive policies include rental vehicle excess cover, but some exclude campervans or motorhomes, or cap the amount below the hire company\u2019s excess. Check the PDS and your hire agreement before you book.","question":"Does travel insurance cover campervan hire in New Zealand?","type":"aioseo\/faq"}],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"none","isEnabled":true},"graphs":[{"id":"#aioseo-article-mvkczda8","slug":"article","graphName":"Article","label":"Article","properties":{"type":"Article","name":"#post_title","headline":"#post_title","description":"","image":"","keywords":"","author":{"name":"#author_name","url":"#author_url"},"dates":{"include":true,"datePublished":"","dateModified":""}},"value":"article"}]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"seo_analyzer_scan_date":"2026-10-24 05:34:41","breadcrumb_settings":null,"limit_modified_date":0,"reviewed_by":"1","open_ai":null,"ai":{"faqs":[],"keyPoints":[{"title":"Reciprocal healthcare agreement coverage","explanation":"Australia and New Zealand have a reciprocal healthcare agreement, but it only covers immediately necessary treatment in public hospitals."},{"title":"Gaps not covered by the reciprocal agreement","explanation":"GP visits, private care and medical repatriation to Australia aren't covered by the agreement; travel insurance fills those gaps."},{"title":"ACC coverage limitations","explanation":"ACC covers accident injuries in New Zealand, but it doesn't pay to fly you home, reimburse cancelled trips or replace stolen belongings."},{"title":"Snow sports coverage consideration","explanation":"Planning to ski or snowboard? Check whether your policy includes snow sports or needs an add-on."},{"title":"Rental vehicle excess protection","explanation":"Hiring a car or campervan? Rental excess cover can save you thousands if you have a bump."}],"schemas":[],"titles":[],"descriptions":[],"socialPosts":{"email":{"subject":"","preview":"","content":""},"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2026-10-23 02:06:23","updated":"2026-10-24 13:42:20","focus_keyword":"best travel insurance for new zealand","additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/\" title=\"Guides\">Guides<\/a>\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/thechampagnemile.com.au\/deals\/"},{"label":"Guides","link":"https:\/\/thechampagnemile.com.au\/deals\/guides\/"}],"_links":{"self":[{"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/pages\/102592","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/comments?post=102592"}],"version-history":[{"count":4,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/pages\/102592\/revisions"}],"predecessor-version":[{"id":102668,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/pages\/102592\/revisions\/102668"}],"up":[{"embeddable":true,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/pages\/96339"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/media\/102561"}],"wp:attachment":[{"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/media?parent=102592"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/categories?post=102592"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thechampagnemile.com.au\/deals\/wp-json\/wp\/v2\/tags?post=102592"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}