Before your trip, check the latest government advice for any travel alerts for your destination.
Whether you're relaxing in the hot springs of Rotorua or exploring the glaciers on the South Island, compare our plans to get the coverage that’s right for you.
15% off travel insurance for nib Health members*
Article at a glance:
Why you need travel insurance for New Zealand – The Australia–New Zealand Reciprocal Health Care Agreement (RHCA) only covers basic medical services such as, emergency care, and care for an illness or injury that can’t wait till you get home. It does not include medical evacuation, repatriation, or lost belongings — nib travel insurance may help bridge the gap.
Compare your options – nib offers two international travel insurance plans: Comprehensive and Essentials. View the travel insurance comparison table to compare inclusions.
Top places to visit – From Queenstown’s thrills to the geothermal wonders of Rotorua, check out our top picks across the North and South Islands.
Do’s & don’ts while visiting – Respect Māori culture, prepare for unpredictable weather, and drive safely on the left. Don’t feed wildlife or underestimate hiking tracks.
Need help? – Our 24/7 Emergency Assistance Team is here if things go off-track.
Read the fine print - If you're unsure about what’s covered, check the Product Disclosure Statement (PDS) or reach out to us.
When you’re away from home, you want to know that if something goes wrong, you’re not alone. Even minor mishaps can have a major impact on both your travel plans and your wallet.
So, whether you plan to relax in the hot springs of Rotorua in the North Island or explore the breathtaking mountains and glaciers in the South Island, you can compare our travel insurance plans at nib.
While Australia and New Zealand share a Reciprocal Health Care Agreement (RHCA), it only covers essential medical services. It doesn't include medical evacuation, repatriation, or coverage for lost belongings.
Benefit | Comprehensive | Essentials |
|---|---|---|
Overseas medical expenses | Unlimited1, 2 | Unlimited1, 2 |
Cancellation or holiday deferment costs | Up to chosen limit1,3 | Up to chosen limit1,3 |
Luggage and personal effects | Up to $12,0001 | Up to $5,0001 |
Medical evacuation and repatriation | Unlimited1 | $500,0001 |
Rental vehicle insurance excess | $5,0003 | $2,0003 |
Travel delay (after 6 hours) | $2,0001 Limit $250 per 24hrs | $1,0001 Limit $250 per 24hrs |
Personal liability | $2,500,000 | $1,000,000 |
Overseas Medical Expenses for Coronavirus | Available under Overseas Medical Expenses benefit | Available under Overseas Medical Expenses benefit |
Medical evacuation for Coronavirus | Available under Medical evacuation and repatriation benefit | Available under Medical evacuation and repatriation benefit |
Coronavirus Travel Costs | $10,000 | Not Available |
¹ Sublimits apply, please read the Product Disclosure Statement.
² Medical/evacuation benefits provided for up to 12 months from the date on illness or injury; medical expenses incurred in Australia are not covered.
³ This is a limit per policy; it is the most we’ll pay for all people on your Certificate of Insurance combined, per trip.
Note: Coverage is subject to the terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement (PDS).
The adventure activity capital of NZ. Think bungee, jet boating, skiing and more.
Do:
Be respectful of Māori customs and traditions.
Pack for all seasons – the weather can change quickly.
Drive on the left and follow speed limits, especially on rural roads.
Book popular activities (like Milford Sound cruises) in advance.
Carry a universal adapter for electronics.
Check NZETA visa requirements before you travel.
Don’t:
Assume mobile reception is available everywhere (especially remote areas).
Feed or disturb wildlife – NZ’s environment is fragile.
Underestimate hiking tracks – check conditions and weather.
Overstay your visa (fines or bans may apply)
Travel insurance tip: Consider adding extra cover for Snow sports if visiting New Zealand in winter. Snow Sports option not available on the Essentials plan.
Summer (Dec–Feb):
Best for hiking, beach days, and outdoor festivals.
Autumn (Mar–May):
Cooler weather, fewer crowds, and stunning fall colours.
Winter (Jun–Aug):
Ideal for skiing and snowboarding in the South Island.
Spring (Sep–Nov):
Blooming landscapes and fewer tourists.
Don't let unexpected events derail your New Zealand adventure. Get a quote today.
If you still have questions we’re here to help. Get in touch and we can help answer any queries you might have.
In case of a medical emergency, the experienced 24/7 Emergency Assistance Team are always on hand to help.
Read the Product Disclosure Statement (PDS) to understand the terms, conditions, limits, and exclusions of your policy.
The above features and benefits are a summary of cover only. Cover is subject to the full terms, conditions, limitations, and exclusions outlined in the Product Disclosure Statement.
nib Travel Insurance Distribution Pty Limited, ABN 40 129 262 175, AR 336467 is an authorised representative of nib Travel Services (Australia) Pty Ltd (nib), ABN 81 115 932 173, AFSL 308461 and act as nib's agent and not as your agent. This is general advice only. Before you buy, you should consider your needs, the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and Target Market Determination (TMD) available from us. This insurance is underwritten by Pacific International Insurance Pty Ltd, ABN 83 169 311 193.
We are a signatory to the General Insurance Code of Practice developed by the Insurance Council of Australia and enforced by the Code Governance Committee, an independent body whose purpose is to drive better Code compliance and help the insurance industry improve its service to consumers. The Code is designed to promote good relations and insurance practice between insurers, authorised representatives and consumers. The Code sets out what we must do when dealing with you. You can obtain a copy of the Code from codeofpractice.com.au.
*The discount applies to the total nib travel insurance premium and is for customers that currently hold an Australian health insurance product, or an Overseas Student Health Cover product with nib. The discount is not available to customers who hold an Overseas Visitors Health Cover product. Discounts do not apply to the rate of GST and stamp duty or any changes you make to the policy. nib has the discretion to withdraw or amend this discount offer at any time. This discount cannot be used in conjunction with any other promotional offer or discount.