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Which is the best travel insurance for New Zealand?
Analysis and comparison of five travel insurance options for New Zealand: we choose the best one for each traveler profile.
Towering mountains, blue glaciers, active volcanoes, fjords, turquoise lakes, and a vibrant Māori culture. New Zealand is one of the most breathtaking destinations on the planet, but it is also one of the most remote. That is exactly why having solid travel insurance for New Zealand is not just a suggestion. It is almost essential.
Even though New Zealand has a high quality healthcare system, it is not free for tourists or temporary visitors. If you need medical care or are involved in an accident, costs can add up quickly, especially in remote areas or if air or helicopter transport is required. On top of that, many of the country’s most popular activities, such as hiking, kayaking, bungee jumping, or skiing, involve a certain level of risk.
Getting travel insurance gives you peace of mind, knowing you are protected against unexpected issues, whether medical, logistical, or related to your luggage. To help you choose the right coverage, we have put together a complete guide to the best travel insurance options for New Zealand, explaining what a good policy should include, how much it costs, and how to pick the one that best fits your travel style.
Why purchase travel insurance for New Zealand?
New Zealand is a safe destination, but healthcare is not free for tourists. While public hospitals provide high quality care, medical expenses for visitors can be costly, especially for emergency visits, specialized treatments, or air evacuations from rural or mountainous areas.
Many of the country’s highlights also involve outdoor or higher risk activities, such as hiking in volcanic areas, surfing, extreme sports, sailing through fjords, or even skiing. If you have an adventurous spirit, New Zealand is the perfect destination. Without proper coverage, something as minor as an injury could end up costing you hundreds or thousands of dollars.
There are also other common travel hiccups to consider, such as flight delays or cancellations, especially when traveling between islands, lost luggage on long journeys, or illnesses like the flu or COVID-19 that could force you to extend your stay or change your return plans.
Here are some examples of what you could end up paying if you don’t have insurance:
- Hospital consultation: $250 to $400
- Emergency dental treatment: From $300
- Air evacuation in a remote area: Over $5,000
- Ski slope accident: Up to $10,000
- Replacement of lost luggage: $1,000–2,000
For all these reasons, traveling with insurance is an essential part of your budget if you want to enjoy New Zealand with peace of mind.
What kind of coverage should travel insurance for New Zealand provide?
When you sit down at your computer to compare travel insurance options for New Zealand, there is one thing you should keep in mind. Basic coverage is not enough. This is a country of dramatic landscapes, unpredictable nature, and travel experiences that range from city life to extreme adventure. That is why your policy needs to be just as flexible as your itinerary.
Here is the coverage you should definitely look for in good travel insurance for New Zealand:
1- Emergency medical coverage
Healthcare is not free for tourists, and private hospitals can be very expensive. In fact, medical care makes up a significant part of the overall cost of living in New Zealand.
Make sure your policy includes doctor visits, hospital stays, medications, and emergency treatments, as well as coverage for COVID-19, dengue, or seasonal flu. Look for insurance with at least $100,000 in medical coverage, although $250,000 is a safer choice, especially if you plan to take part in higher risk activities.
2- Repatriation and medical evacuation
New Zealand has many remote areas, such as the Southern Alps, national parks, and outlying islands, making air evacuation by helicopter or medical plane essential. Without insurance, this type of coverage can easily cost over $5,000.
3- Coverage for outdoor activities
Most travel insurance plans exclude activities like bungee jumping, glacier trekking, kayaking, mountain biking, or skiing unless you purchase special coverage. If you are planning to seek out extreme adventures, make sure your policy covers them or allows you to add an upgrade for these activities.
4- Loss or theft of luggage
When flying long distances internationally or making multiple connections, as is common on trips to Oceania, lost luggage becomes more likely. It is a good idea to choose insurance that provides at least $1,000 for lost baggage and $300 for delayed luggage.
5- Delays or cancellations
New Zealand is far from most places, and itineraries often involve multiple flights or connections. A solid insurance policy should cover reimbursements for canceled flights, delays of more than six hours, extra hotel nights, and missed connections.
6- Civil liability
When doing outdoor activities, renting cars or bikes, or even through a simple accident, there is always a risk of damaging someone else’s property or causing injury to another person. Liability coverage typically ranges from $30,000 to $100,000 and is especially important in countries with strict regulations like New Zealand.
What are the five best travel insurance policies for New Zealand?
To help you pick the right insurance for your trip and needs, we have compared five of the top policies currently available. All of them provide solid medical coverage, repatriation, and protection against common travel mishaps, but each one stands out for different reasons.
In the table below, you can compare in detail what each one offers.
| Coverage / Insurance | Tin Leg Gold | Travel Insured – FlexiPAX | Seven Corners – Trip Protection Choice | IATI Backpacker | World Nomads Explorer Plan |
| Emergency medical coverage | $500,000 | $100,000 | $500,000 | $540,000 | $100,000 |
| Medical evacuation/repatriation | $500,000 | $500,000 | $100,000 | Included (search & rescue) | $500,000 |
| Cancellation/trip interruption | 100%/150% | 100%/150% | 100%/150% | Up to $4,000 (optional) | Variable application |
| Loss or damage to luggage | $500 | $1,000 | $2,500 | Included | $3,000 |
| Baggage delay | $200 | $300 | $500 | Included | $750 |
| Outdoor activities/extreme sports | More than 250 sports | With add-ons | With add-ons | Adventure premium | More than 200 sports |
1- Tin Leg Gold: Perfect balance between coverage and price
Tin Leg is a widely recognized name in international travel insurance, often recommended by sites like Squaremouth. The Gold plan is their most complete option in the upper mid-range, offering solid medical coverage, repatriation, luggage protection, and trip cancellation at a fair price.
This plan is especially popular with travelers who value security and support in remote destinations like New Zealand, where a canceled flight or a medical visit can become very expensive.
Key coverage for New Zealand
- Emergency medical coverage: $500,000
- Medical evacuation/repatriation: $500,000
- Trip cancellation: Up to 100% of non-refundable costs
- Trip interruption: Up to 150% of the trip value
- Baggage delay: $200
- Baggage loss or damage: $500
- Coverage for COVID-19 and new diseases
- More than 250 outdoor activities included
- 24/7 assistance and app for management without international calls
Estimated cost for one person for a week ranges from $108 to $115, depending on your country of residence, age, and whether you add extras such as cancellation for any reason.
| Advantages | Disadvantages |
| Very good value for money. Robust medical and repatriation coverage. Extensive protection against cancellations and interruptions. Includes common activities in New Zealand (hiking, kayaking, canopy tours, etc.). Clear and reliable policy, with very positive reviews on sites such as Squaremouth. | The amount of luggage covered is lower than in other plans. It does not cover pre-existing conditions (unless upgraded). It is not possible to purchase if you are already abroad. |
Who is Tin Leg Gold ideal for?
It is ideal for cautious travelers taking a long or expensive trip, especially when multiple flights or moderate adventure activities are involved. It is also a great choice if you want a reliable insurer with a strong reputation and robust medical coverage without overpaying.
2- Travel Insured – FlexiPAX: Maximum customization and solid support
Travel Insured International is a well-established insurer in the US market, and their FlexiPAX plan is one of the most flexible options for travelers who want to tailor their coverage to the type of adventure they are planning. It is designed for those who need specific protections, whether for pre-existing medical conditions, high-value trips, or particular cancellation requirements.
The most appealing feature is that it lets you add extras like cancellation for any reason (CFAR) or coverage for pre-existing conditions, which not all insurance plans provide.
Key coverage for New Zealand
- Emergency medical coverage: $100,000
- Medical evacuation/repatriation: $500,000
- Trip cancellation: 100% of the insured trip value
- Trip interruption: 150% of the insured cost
- Baggage delay: $300
- Baggage loss or damage: $1,000
- COVID-19 coverage included
- Upgrade option to cover pre-existing conditions
- 24/7 customer service and worldwide assistance
Estimated cost: The FlexiPAX plan for a seven-day trip to New Zealand typically ranges from $125 to $140, depending on whether you add extras such as CFAR or coverage for pre-existing conditions.
| Advantages | Disadvantages |
| Ideal for travelers with pre-existing conditions. Very solid cancellation coverage, with the option of a full refund. Extended baggage protection, with a higher limit than other plans. Very flexible: you can adjust coverage according to the value of your trip. Excellent reputation on specialized websites. | Basic medical coverage is less than others (although sufficient for most). The final price can increase significantly with upgrades. Website is only in English and does not offer support in other languages. |
Who is Travel Insured – FlexiPAX ideal for?
It is ideal for older travelers, those with pre-existing medical conditions, or anyone taking a high-value trip, such as a honeymoon, graduation trip, or a three-week itinerary through Oceania. It is also perfect if you want protection against any changes in plans without risking your investment.
3- Seven Corners – Trip Protection Choice: Premium coverage for discerning travelers
Seven Corners is a US-based company that specializes in insurance for frequent travelers, backpackers, and expats. Their Trip Protection Choice plan is one of the most comprehensive on the market and is especially recommended for high-budget trips or journeys through remote areas of New Zealand.
This plan stands out for offering some of the highest medical and evacuation coverage, making it ideal for travelers who want protection against serious emergencies, including accidents in natural settings or expensive air evacuations.
Key coverage for New Zealand
- Emergency medical coverage: $500,000
- Medical evacuation/repatriation: $1,000,000
- Trip cancellation: 100% of the insured value
- Trip interruption: 150% of the insured cost
- Baggage delay: $500
- Baggage loss or damage: $2,500
- Coverage for COVID-19 and other illnesses
- Coverage for civil unrest and natural disasters
- Includes adventure sports and high-risk activities (with limits)
24/7 assistance in multiple languages
Estimated cost: For a one-week trip to New Zealand, the Trip Protection Choice plan typically ranges from $135 to $150, depending on your country of residence and the total value of your trip.
| Advantages | Disadvantages |
| One of the highest medical and repatriation coverages on the market. Excellent support in case of lost luggage or significant delays. Includes civil unrest, evacuation due to natural disasters, and COVID coverage. Ideal for remote areas with a risk of accidents in the mountains or at sea. Good reviews for customer service and reimbursement management. | Somewhat high price for short stays. Does not include pre-existing conditions except for special upgrades. Only available to residents of certain countries (check before purchasing). |
Who is Seven Corners – Trip Protection Choice ideal for?
It is perfect for adventurous travelers exploring New Zealand’s rural or natural areas, such as the Southern Alps, the fjords, or hiking trails. It is also a great choice if you are on a high-value trip and want to safeguard your investment against medical emergencies or unexpected cancellations.
4- IATI Backpacker: One of the best travel insurance policies for New Zealand (ideal for adventurers and long trips)
IATI Seguros is a well-known travel insurer, and their IATI Backpacker plan is designed for travelers planning extended adventures, outdoor activities, or trips to remote destinations like New Zealand. What sets it apart is its comprehensive coverage: strong medical protection, coverage for higher-risk activities, and options such as search and rescue in isolated areas.
It also offers 24/7 assistance, which is a great advantage if you need help from the other side of the world.
Key coverage for New Zealand
- Emergency medical coverage: $540,000
- Medical evacuation/repatriation: included
- Trip cancellation (optional): Up to $3,800
- Loss or damage to luggage: Included
- Luggage delay: Included
- Search and rescue in mountains or isolated areas
- Adventure sports included: Trekking, surfing, kayaking, climbing, scuba diving, among others
- COVID-19 coverage included
- Medical assistance and no upfront payments
Estimated cost for one person: The IATI Backpacker plan for a week in New Zealand typically ranges from $58 to $70, depending on your country of residence and whether you add the early cancellation option.
| Advantages | Disadvantages |
| Excellent medical coverage for the price. Includes adventure sports without having to pay extra. Covers search and rescue, which is unusual in other insurance policies. Very good customer service. 100% online sign-up from anywhere in the world. | Does not cover pre-existing conditions. A supplement must be paid to include cancellation coverage. Some coverage limits (such as baggage) are not as high as in premium options. |
Who is IATI Backpacker ideal for?
This insurance is perfect for young travelers, backpackers, students, or digital nomads exploring New Zealand independently and enjoying outdoor activities. It is also a great choice for anyone who wants a straightforward, reliable policy with support at an affordable price.
5- World Nomads – Explorer Plan: Flexible and sports coverage for independent travelers
World Nomads offers insurance plans designed for travelers taking extended trips, exploring independently, or combining multiple destinations and activities. Their Explorer Plan is the most comprehensive option and is especially well suited for a country like New Zealand, where outdoor adventure opportunities are everywhere.
One of its major advantages is that you can purchase the insurance even after you arrive at your destination, which is not something every provider allows. It also covers over 200 adventure activities, from diving to high-altitude trekking, without requiring any additional add-ons.
Key coverage for New Zealand
- Emergency medical coverage: $100,000
- Medical evacuation/repatriation: $500,000
- Trip cancellation: According to the insured value
- Trip interruption: Up to 100% of the insured value
- Loss or damage to luggage: $3,000
- Delayed luggage: $750
- Accidents during risky activities and extreme sports: 200+ included
- 24/7 support and an excellent claims management app
Estimated cost: The Explorer Plan typically runs between $100 and $120 for a week, depending on your country of residence, age, and whether you add other destinations or higher trip values.
| Advantages | Disadvantages |
| Excellent luggage coverage. Very good protection for sports and adventure activities. You can purchase it even if you are already traveling. User-friendly app for claims and inquiries. Positive reviews from frequent travelers. | Lower medical coverage than other premium plans. Customer service only available in English. Does not cover pre-existing conditions or cancellation for any reason. |
Who is World Nomads – Explorer ideal for?
This plan is perfect for independent travelers, photographers, content creators, digital nomads, and adventure seekers who want to explore New Zealand without restrictions. It is especially suited for those planning to do extreme sports, travel between cities, visit multiple destinations, or arrange insurance after arriving in the country.
What is the best travel insurance for New Zealand according to your traveler profile?
As we have seen, there are plenty of travel insurance options for New Zealand. This is great because it allows you to choose the policy that best fits the kind of adventure you have in mind. At the same time, having so many options can be confusing. That is why we highlighted these five plans, each aimed at a different type of traveler. You just need to see which one suits you best.
- For adventurers or backpackers: The IATI Backpacker plan offers one of the best values for money. With strong medical coverage, coverage for adventure sports, and services like search and rescue, it is an ideal choice for travelers planning to hike, surf, or camp in remote areas.
- For high-value trips or remote areas: The Seven Corners Trip Protection Choice plan offers the highest medical and evacuation coverage. While it is more expensive, it provides complete peace of mind for travelers who want to be protected against any type of risk.
- For travelers seeking flexibility and customization: The Travel Insured FlexiPAX plan is perfect if you need coverage for pre-existing conditions or want to add cancellation for any reason. It is a flexible policy that can be tailored to different types of travelers.
- For those who prioritize luggage and extreme sports: The World Nomads Explorer Plan covers over 200 activities and can be purchased from abroad, making it ideal for travelers who are already on the move or frequently on the road.
- For those seeking a complete balance at a good price: The Tin Leg Gold plan is an excellent choice. With strong medical coverage, protection for flights and luggage, activity coverage, and a solid reputation, it stands out as a reliable and affordable option.
In short, whether you plan to explore New Zealand’s wild landscapes, trek across glaciers, surf on secluded beaches, or just enjoy a long, worry-free trip, travel insurance is a must-have.
Connectivity in New Zealand – As essential as travel insurance
Just as important as having travel insurance is having a way to stay connected while in New Zealand. Most international insurers operate through mobile apps or online portals where you manage your coverage, request assistance, upload medical documents, or even find nearby hospitals. Without internet access, all of that becomes much more difficult.
Plus, in a country where many of the top destinations are in remote areas, like the Southern Alps, Milford Sound fjords, or North Island national parks, having internet on your phone not only gives you freedom but can also be a real lifesaver.
For a short trip, a Holafly eSIM for New Zealand may be all you need, giving you unlimited data for the days you are away from home. For longer journeys or trips that include multiple countries, Holafly Plans is a better option. These subscription services provide either 25 GB or unlimited data that can be used in over 160 countries, making it much easier to stay connected at all times.
With mobile internet from Holafly, you can reach your insurer in seconds, get medical assistance anywhere in the country, and upload all your documents without wasting any time.
Important: If you are a frequent traveler and want to stay connected without worrying about expensive roaming or looking for a new SIM at every destination, Holafly’s subscription plans are for you. With a single eSIM, enjoy internet in more than 160 countries for a fixed price and no surprises on your bill. Travel without limits and connect easily and securely! 🚀🌍
Frequently asked questions about travel insurance for New Zealand
It is not mandatory for tourists, but it is highly recommended, especially if you plan to do outdoor activities, rent a vehicle, or explore rural areas. New Zealand has an excellent healthcare system, but it can be very expensive for visitors. An accident without insurance could result in a hefty bill.
Ideally, you should have at least $100,000 in medical coverage. If you plan to go trekking, do extreme sports, or visit remote areas, it’s best to choose a policy with over $250,000 in coverage that also includes medical evacuation and search and rescue.
Both the IATI Backpacker and World Nomads Explorer plans cover over 200 outdoor activities without needing any extra add-ons. They are perfect if you plan to hike routes like the Tongariro Alpine Crossing or enjoy kayaking, cycling, or surfing.
Most insurers don’t allow it, but World Nomads does. Their Explorer Plan can be purchased even after you arrive at your destination, making it a good option if you forgot to arrange coverage before traveling.
Only a few policies cover pre-existing conditions, and they usually require an add-on. A good example is Travel Insured’s FlexiPAX plan, which lets you include this option when purchasing coverage.
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Hi! I'm a Spanish-English translator working with Holafly, helping bring travel content to life for curious travelers. As a digital nomad with a passion for exploring, I'm always adding new spots to my bucket list. If you love to travel like me, stick around because you're in the right place to find inspiration for your next trip! ✈️🌍
