Conquer New Zealand’s peaks and valleys with confidence. Hiking the Milford Track? Exploring Hobbiton? Skiing the Southern Alps? We’re here to help you travel with confidence.
What is New Zealand Travel Insurance, and why do you need it?
New Zealand is a sought-after destination for travellers from the UK. Tens of thousands of British tourists visit its shores each year. The Land of the Long White Cloud has a reputation as an adventure playground. Activities like hiking, skiing and bungee jumping appeal to thrill seekers. Meanwhile, the laid-back lifestyle and varied wildlife appeal to visitors of all ages.
However, with all adventure and exploration comes an element of risk. Unexpected events or medical costs could disrupt your journey or add costs to it. Peace of mind starts with the right Travel Insurance. AllClear offers comprehensive cover for emergency expenses. This includes medical emergencies, lost luggage and protection for pre-existing conditions.
Having the best Travel Insurance in place should be a priority when planning your New Zealand trip. Here’s why:
- Approximately 73% of tourists in New Zealand participate in walking and hiking activities. But even a careful hiker can slip or fall and land in hospital. New Zealand’s Mountain Safety organisation expects around 3,000 people to be injured hiking. And that’s just over the three popular summer months. Comprehensive Travel Insurance could save you from a huge medical bill.
- Healthcare transport can be costly. Although the UK has a reciprocal healthcare agreement, it does not cover transport. Air ambulances are common in New Zealand, but they are expen
- Extreme weather can affect plans. New Zealand is prone to volatile weather and earthquakes. In 2023 Cyclone Gabrielle caused widespread damage and flooding. Many tourists had to cancel or cut short their trips. The Natural disaster add-on can cover you against natural disaster.
Don’t let unforeseen incidents ruin your trip. With AllClear’s New Zealand Travel Insurance, you’ll be protected from unexpected costs.
What does AllClear’s New Zealand Travel Insurance cover?
Our New Zealand Travel Insurance covers you against unexpected medical costs. We offer up to unlimited cover for medical expenses. Here’s more:
What’s covered?
- Medical cover. AllClear policies include emergency medical cover. Even for pre-existing conditions. This includes prescription medication, medical emergencies and medical equipment.
- Cancellation and curtailment3. Cover for your flight and accommodation costs if you have to cancel before you go. We’ll also cover you if you need to return home early following an emergency.
- Your baggage. Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy.
- Travel delays and missed departures. If your flight is delayed, we’ll compensate you for the time. If you miss your flight, we’ll also cover accommodation and transport costs.
- Personal liability. Cover for your legal expenses and any liability due if you accidentally injure someone. You also have cover if you damage their property while you’re away on holiday.
- All ages. We believe Travel Insurance should be available to as many people as possible. That’s why our Travel Insurance has no upper age limit.
What’s not covered?
- Deciding not to travel. We do not provide any cover if you can travel but choose not to. Other regions. Your New Zealand Travel Insurance won’t cover you if you travel outside your chosen region. You can contact us to upgrade your policy anytime.
- Claims below the value of excess. You’re not covered for claims that fall below the value of the excess stated in your policy
- Medical conditions you fail to declare. You need to provide us with an accurate medical history when you buy Travel Insurance. This is so we can give you the right cover. This is especially vital for senior travellers and those with long-term illnesses.
For full details, please refer to your policy wording.
We offer three different policy levels: Gold, Gold Plus, and Platinum. Each is tailored to your specific requirements.
SWIPE TO COMPARE POLICIES
Gold |
Gold Plus |
Platinum |
|
| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited |
| Cancellation* and Curtailment | Up to £2k | Up to £15k | Up to £25k |
| Travel Delay | Up to £300 | Up to £1,500 | Up to £1,500 |
| Personal Belongings | Up to £2k | Up to £2.5k | Up to £5k |
| Personal liability | Up to £2m | Up to £2m | Up to £2m |
| Legal protection cover | Up to £50k | Up to £50k | Up to £100k |
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.
AllClear’s Travel Insurance for New Zealand with pre-existing medical conditions
We’re the UK’s most trusted Travel Insurance provider1. We’re also Specialists in Medical Travel Insurance. That means we know how to cover people with pre-existing conditions. Plus, we’ve covered more than 3.5 million travellers.
When we surveyed our customers, 62% had more than one pre-existing condition4. So, if you have pre-existing conditions, we’re here to help you get cover for your next trip.
We can cover more than 1,300 different pre-existing medical conditions. This includes:
- Respiratory Conditions. We can provide cover for conditions such as asthma, COPD, bronchiectasis, and cystic fibrosis.
- Cardiovascular Conditions. This includes heart-related conditions such as heart attacks. We can also cover ischemic heart disease, pacemakers, and stroke.
- Digestive and Gastrointestinal Conditions. We can offer cover for conditions like, coeliac disease and Crohn’s disease. We can also cover liver conditions like liver cirrhosis and liver disease.
- Eye and Vision Conditions. This includes conditions like cataracts and glaucoma.
- Surgical History and Transplants. For example, brain aneurysms, heart transplants, liver transplants, and post-operative care.
- Autoimmune and Chronic Conditions. We can cover ongoing conditions like lupus, sarcoidosis, and vasculitis. We also offer cover for type 1 and type 2 diabetes.
- Mental Health and Neurological Conditions. Cover for conditions like migraine, MS, OCD, psychosis, and schizophrenia.
We’ll need to ask you some questions about your condition before you get your quote. Then we can give you the right kind of cover for your trip. It’s called a medical screening. Some of the things we might ask include:
- When was your diagnosis?
- Do you take any medications?
- When was the last time you were admitted to hospital for treatment?
Find the best New Zealand Travel Insurance for your trip
Your policy type might change depending on how often you go abroad this year.
- Single Trip Travel Insurance: Provides comprehensive cover for one-off adventures.
- Annual Multi-trip Travel Insurance: Planning several trips this year? This policy provides year-round protection, no matter how frequently you travel.
Your policy might need some additional cover, based on what you’re doing.
- Cruise Cover: Exploring New Zealand from the water? This covers cruise-specific risks like missed departures or cabin confinement.
- Gadget Cover: Keep your valuable tech safe while exploring New Zealand. We’ll cover devices in case of loss, theft, or damage.
- Golf Cover: Protect your golf equipment and green fees. We’ll even cover hole-in-one bar drinks with this bespoke cover.
Your policy type might change depending on who you’re going abroad with.
- Family Travel Insurance: Protect your loved ones for every adventure with one policy.
- Group Travel Insurance: Explore with up to 10 friends or colleagues, knowing you’re all covered.
- Seniors Travel Insurance: Older travellers can travel with peace of mind.
How our Travel Insurance for New Zealand works: A simple 3 step quote process
Simply complete our quick 3-step screening process to receive your quote. Here’s how it works.
1. Get a quote online or by phone
Once you’re ready to start the quote process, the first step is to provide your personal details. We’ll also ask for information about your holiday plans. You can complete this online or over the phone with one of our team members.
2. Complete our simple medical screening process
You must declare any medical conditions you have. You should also mention any medications you and your travel companions are taking. This will allow us to provide the cover that best suits your needs.
3. Get your quote
You can either proceed to buy or save your quote at this stage.
“Adventure activities are extremely popular in New Zealand, but they always carry an element of risk. Making sure that you’re not landed with a huge medical bill is crucial. AllClear’s Travel Insurance keeps you protected from surprise costs. That leaves you to explore New Zealand with peace of mind.”
What our customers say
I needed specialist travel insurance
“I needed specialist travel insurance and Danielle was very helpful in organising this for me. I can now travel to New Zealand to spend time with my grandchildren with peace of mind. Thank you.”
– John
– Date of experience: October 02, 2024
There’s a reason 98% of our customers would recommend us to family and friends2. Here’s what they have to say about us.
What our Customers Say
Frequently Asked Questions on New Zealand Travel Insurance
Do you need Travel Insurance for New Zealand?
Travel Insurance is not a legal requirement for visiting New Zealand. However, the UK Government highly recommends it. Travel Insurance can protect against unforeseen events. Examples include medical emergencies, trip cancellations, and lost luggage
What Travel Insurance do you need for New Zealand?
There are different types of Travel Insurance you could consider, depending on your needs. However, as standard, you should make sure you have:
- Medical Cover: Travel Insurance for New Zealand should include medical cover for emergencies. Local treatment or medical evacuation can be costly. British nationals can access urgent healthcare under a reciprocal health agreement. However, this does not cover routine or non-emergency treatment.
- Comprehensive Policies: If you’re planning activities while in New Zealand, you’ll need a policy that covers them. This includes golfing, skiing, or surfing. Luckily, we have golf cover and hazardous activities cover. Both can be added to any policy; just select them when building your quote.
- Combined Cover: Our Worldwide Travel Insurance covers Australia and New Zealand in the same policy.
How much is Travel Insurance to New Zealand?
The cost of Travel Insurance for New Zealand can vary based on the level of cover. This will depend on factors such as your age and the duration of the trip. It will also take into account any additional cover options selected. This could include cover for specific activities or pre-existing medical conditions.
Can you get Travel Insurance that combines New Zealand and Australia?
Yes, you can get Travel Insurance covering New Zealand and Australia. Many insurance providers offer policies that include multiple destinations. At AllClear, our Worldwide Travel Insurance covers both New Zealand and Australia. That means you can make the most of the long trip down under.
Does the GHIC cover New Zealand?
The GHIC (Global Health Insurance Card) does not cover New Zealand. The GHIC is primarily valid in the European Union. It also covers Switzerland, Norway, Iceland, Liechtenstein, and some other territories. It is not recognised as legal verification for reciprocal healthcare in New Zealand. British tourists are advised to have Travel Insurance to cover potential healthcare needs.
Get the most out of your trips with our helpful guides
Where are you visiting?
Explore our helpful guides for tips on remembering everything you need when travelling to one of the destinations below.
Which activities do you have planned?
Remember to add extra cover to your policy for a worry-free trip. Whether you’re planning a skiing holiday or setting sail on a cruise.
