- The best travel insurance for New Zealand
- Current travel safety in New Zealand
- Is travel insurance required for a New Zealand visa?
- Why take out travel insurance for New Zealand?
- Travel Insurance Coverage for New Zealand
- What is the cost of travel insurance for New Zealand?
- How to pay less for your travel insurance to New Zealand
- Can I rely on my current insurance to cover me in New Zealand?
- FAQ
Travel insurance for New Zealand: key takeaways
1. Definition: Travel insurance for New Zealand covers medical emergencies, trip cancellation, and other unforeseen travel problems.
2. Key protection: Insurance is not mandatory for US citizens but is vital for financial protection abroad.
3. Healthcare cost: Quality healthcare is expensive; a hospital night can cost over $600 for foreign visitors.
4. Price: A one-week travel insurance policy for New Zealand typically costs between $30 and $70.
5. Good to know: New Zealand's ACC covers accidents, but not illness, making comprehensive travel insurance essential.
Why trust HelloSafe?
HelloSafe is an international specialist in travel insurance comparison, advising over one million travelers every month. After analyzing 42 travel insurance policies available in the US, our experts share here everything you need to know to choose the best travel insurance for New Zealand.
The best travel insurance for New Zealand
| Contract we recommend | Medical reimbursement limit | Our view |
|---|---|---|
| HelloTravel Premium | $1.0M | Our recommendation for New Zealand. - very high medical cover - repatriation - covers adventure sports risks |
| Cap Assistance 24/24 | $1.0M | Excellent for stress-free travel to New Zealand. - 24/7 helpline - covers cancellation - no deductible |
| Tourist Card | $0.5M | Practical for tourism in New Zealand. - solid medical protection - emergency support - competitive price |
| Travel Pass Monde | $0.7M | Reliable for wide-ranging travel support. - repatriation - hospital expenses - broad territorial scope |
| Globe Partner | $0.3M | Simple contract for basic needs. - medical overseas - civil liability - repatriation |
| Globe Traveller | $0.5M | Good for short and low-risk trips to New Zealand. - fast medical claims - straightforward guarantees - capped coverage |
- very high medical cover
- repatriation
- covers adventure sports risks
- 24/7 helpline
- covers cancellation
- no deductible
- solid medical protection
- emergency support
- competitive price
- repatriation
- hospital expenses
- broad territorial scope
- medical overseas
- civil liability
- repatriation
- fast medical claims
- straightforward guarantees
- capped coverage
Current travel safety in New Zealand
As of June 2025, the US Department of State classifies New Zealand as a Level 1 destination, meaning normal precautions apply. No official travel warning is in effect for US citizens planning to visit New Zealand.
Here are their four main recommendations.
- Security risks: although the crime rate is low, theft from vehicles and accommodations remains frequent in popular areas such as Auckland and Queenstown. Secure valuables and use hotel safes where available.
- Health risks: no special vaccinations are required and medical care is of high quality. However, costs for emergency care or evacuation can be substantial, especially after adventure activities in remote regions.
- Environmental hazards: New Zealand is exposed to earthquakes, tsunamis, volcanic eruptions, and cyclones. For example, Whakaari/White Island is an active volcano where entry is restricted for safety reasons.
- Legal considerations: strict biosecurity laws apply, with fines up to NZD $400 for undeclared food or outdoor equipment upon arrival. Familiarize yourself with restrictions before landing.
Although not required, travel insurance is strongly recommended by the US Department of State, particularly to cover medical expenses and emergency repatriation, which can be extremely costly in New Zealand.
Is travel insurance required for a New Zealand visa?
Travel insurance is not mandatory for travelers from the United States to obtain a visa for New Zealand.
However, purchasing travel insurance is strongly recommended because medical care and emergency evacuation can be extremely expensive in New Zealand. Coverage for lost or stolen belongings, cancellations, and natural disaster-related incidents is often included in comprehensive travel insurance, providing important protection for travelers.
According to our data, 80% of travelers purchase travel insurance before going to New Zealand. This high rate is linked to the country’s costly health system and variable natural risks, such as earthquakes and volcanoes.
Why take out travel insurance for New Zealand?
It is an essential financial and medical protection for anyone going to New Zealand.
Health costs in New Zealand can be significant for travelers, as foreigners are generally required to pay the full private rate in hospitals such as Auckland City Hospital or Wellington Regional Hospital. In major cities like Auckland and Christchurch, private clinics and emergency care can reach very high amounts, and even public hospitals charge international visitors for most treatments. Evacuations and specialized care can be especially costly.
Travel insurance covers medical expenses, hospitalization costs, medication, ambulance transport, and repatriation to the United States in case of a serious medical issue.
Here are some examples of healthcare costs in New Zealand.
| Example of medical treatment | Cost at Auckland City Hospital | Covered by travel insurance |
|---|---|---|
| I have to be hospitalized 48 hours after contracting an infection | 6,500 NZD (approx. $4,000) | Up to 100% within policy limit |
| I broke my tibia (X-ray, cast, and crutch rental) | 2,800 NZD (approx. $1,700) | Up to 100% within policy limit |
| I need to be repatriated | 75,000 NZD (approx. $46,000) | Up to 100% within policy limit |
| I have appendicitis (consultation and surgery) | 14,000 NZD (approx. $8,600) | Up to 100% within policy limit |
These prices are given as an indication and may vary depending on the facilities and regions.
It is therefore essential to take out appropriate travel insurance to avoid unexpected and potentially high expenses.
Travel Insurance Coverage for New Zealand
Here is a summary table of the main coverages you should look for in a travel insurance policy for New Zealand.
| Main coverages | Explanations and recommendations |
|---|---|
| ? Medical expenses | Covers doctor visits, emergency care, private hospital fees, and medications in case of illness or accident. We recommend a reimbursement limit of at least $200,000 per person. |
| ? Medical evacuation | Pays for emergency ambulance and medical repatriation if treatment is unavailable locally. We recommend a minimum coverage of $150,000 per person due to long travel distances. |
| ? Baggage and belongings | Protection against theft, loss, or damage to luggage and personal effects, especially important in tourist zones. Recommended reimbursement limit: $2,500 per trip. |
| ? Trip cancellation | Reimburses non-refundable travel costs in case of unforeseen medical issue, accident, or family emergency. Recommended limit: at least $5,000 per person. |
| ⛑️ Personal liability | Protection if you are responsible for accidental damage or injury to another party. Recommended minimum coverage: $500,000 per incident. |
| ⚖️ Legal assistance | Provides legal help and covers defense costs if you face legal claims while in New Zealand. Recommended coverage: $10,000 per person. |
| ?♂️ Adventure sports | Covers risky activities such as hiking, surfing, or bungee jumping, common in New Zealand. Opt for specific adventure sports coverage if you plan these activities. |
| ? Car rental insurance | Covers damage to rental vehicles, which is useful for exploring remote areas. Check your policy includes at least $25,000 for rental car damage or theft. |
We recommend a reimbursement limit of at least $200,000 per person.
We recommend a minimum coverage of $150,000 per person due to long travel distances.
Recommended reimbursement limit: $2,500 per trip.
Recommended limit: at least $5,000 per person.
Recommended minimum coverage: $500,000 per incident.
Recommended coverage: $10,000 per person.
Opt for specific adventure sports coverage if you plan these activities.
Check your policy includes at least $25,000 for rental car damage or theft.
Travel insurance from banks or local providers often offers limited protection, low reimbursement caps, and many exclusions. For a safer trip, choose a trusted insurer with comprehensive coverage. Compare leading plans on HelloSafe and subscribe online for instant proof of insurance.
What is the cost of travel insurance for New Zealand?
| Trip duration | Traveler’s age | Indicative price per person |
|---|---|---|
| 1 week | 25 years old | $18–$28 |
| 2 weeks | 45 years old | $38–$60 |
| 1 month | 35 years old | $65–$95 |
| 1 month | 70 years old | $120–$190 |
These prices are indicative and may vary depending on the coverage chosen and the specifics of each insurer.
Good to know
The cost of your travel insurance policy is influenced by several key elements. These include your age, the length of your trip, your destination, the level of coverage you select, and any add-ons like a cancellation option. Be sure to consider these factors carefully to find a plan that fits both your needs and your budget.
? It is always recommended to compare multiple offers to find the best value-for-money plan for you. You can use HelloSafe.
? Compare the best travel insurance for freeI compareHow to pay less for your travel insurance to New Zealand
Here are some suggestions to optimize the cost of your travel insurance to New Zealand while keeping good coverage:
| Criteria | Why it matters | Expert tip |
|---|---|---|
| ? Duration of stay | Longer stays mean higher premiums, especially due to increased risk while abroad in New Zealand. | Choose coverage only for the exact number of travel days to avoid unnecessary extra costs. |
| ? Traveler’s age | Older travelers often pay more. Some US providers increase rates above 60, but policies vary. | Heymondo does not raise prices for people over 62, unlike most insurers, which may help you save. |
| ? Level of coverage | Comprehensive coverage is essential in New Zealand, given emergency risks and costly medical care. | Compare offers with similar coverage limits to avoid paying extra for overlapping or excessive options. |
| ? Geographical coverage | Some policies include global coverage, which costs more than regional or single-country policies. | Select only New Zealand coverage unless you plan to visit several countries. |
| ? Planned activities | Adventure sports and risky activities in New Zealand raise premiums. Standard plans may exclude them. | Include only the specific adventure sports or excursions you will actually do to avoid unnecessary surcharges. |
| ???? Number of travelers | Insurers offer family or group discounts, which can be more cost-effective for multiple people. | Select a group or family plan if travelling together to reduce the per-person premium. |
| ? Deductibles and co-pays | Higher deductibles lower your premium, but you pay more out of pocket in case of a claim. | Opt for a higher deductible only if you can cover potential expenses yourself in New Zealand. |
Important
Medical insurance is not required for US citizens to obtain a short-stay visa or Electronic Travel Authority (NZeTA) for New Zealand. However, adequate coverage is strongly recommended due to possible high medical costs and specific local risks.
Can I rely on my current insurance to cover me in New Zealand?
It is completely legitimate to wonder if your existing coverage, such as credit card insurance or your health insurance, will protect you during a trip to New Zealand. Unfortunately, this coverage is often limited or insufficient for international travel. Here is a summary table to help you review your current insurance and what it covers.
| Type of Insurance | Valid in New Zealand? | What it covers | Why Travel Insurance is better |
|---|---|---|---|
| Public health insurance (Medicare, Medicaid) | No, never | No coverage for medical care or emergencies abroad | Travel insurance covers $100,000+ in medical care and repatriation |
| Private health insurance (Aetna, Cigna, Blue Cross) | Yes, partly | Some urgent care abroad, but usually max $50,000, excludes repatriation and adventure risks | Travel insurance covers $500,000+, emergency evacuation, adventure sports |
| Classic credit card (Chase Freedom, Citi Simplicity, Capital One Platinum) | Yes, partly | Medical up to $10,000, limited trip delay only, baggage loss usually excluded | Travel insurance covers $100,000+ medical, lost baggage, cancellation |
| Premium credit card (Chase Sapphire Reserve, Amex Platinum, Visa Signature) | Yes, partly | Medical up to $100,000, trip delay, basic baggage, limited evacuation | Travel insurance covers $500,000+ medical, full trip cancellation, evacuation |
Example
While hiking in New Zealand's Fiordland, an American tourist suffered a severe concussion. The helicopter rescue and initial hospital care cost $25,000. His Chase Sapphire card's travel benefit only covered $5,000, and his US health plan denied the foreign claim, leaving him with a shocking $20,000 bill.
Expert advice
Always check your existing insurance's terms, exclusions, and limits. Essential situations, like trip interruption for a relative's illness, might be excluded. Read the conditions carefully to avoid surprises abroad. In all cases, it is safer and more reassuring to get dedicated travel insurance tailored to your trip.
FAQ
Do I need a visa to travel to New Zealand?
U.S. citizens visiting New Zealand for less than 90 days for tourism or business do not need a visitor visa, but must obtain a New Zealand Electronic Travel Authority (NZeTA). The NZeTA application is completed online, typically costs about $30, and should be arranged before travel. A valid passport and proof of onward travel are also required.
How do I purchase travel insurance for New Zealand?
First, compare different policies, for example by using the HelloSafe travel insurance comparison tool. Next, check what is covered and any exclusions, making sure to review specific needs for New Zealand such as adventure activities. Buy your chosen policy online and then download your insurance certificate for your records and visa application if needed.
What risks should Americans consider when selecting travel insurance for New Zealand?
Americans should consider coverage for medical emergencies, theft, cancellations, and especially natural disasters, as New Zealand is prone to earthquakes and storms. Coverage for adventure sports such as hiking or skiing is also crucial, as many standard policies exclude such activities unless specifically added.
Are there special requirements for adventure travelers in New Zealand?
If you plan to engage in adventure sports in New Zealand, ensure your travel insurance covers those activities specifically. Some policies may exclude high-risk sports or require you to purchase additional coverage. Always review the fine print to avoid uncovered risks during your trip.
What should I do if I need medical assistance while in New Zealand?
In case of a medical emergency in New Zealand, dial 111 for immediate help. Contact your travel insurance provider as soon as possible to open a claim and receive support. Many insurers offer 24/7 assistance services, which can guide you to approved healthcare providers and assist with paperwork.
Do I need a visa to travel to New Zealand?
U.S. citizens visiting New Zealand for less than 90 days for tourism or business do not need a visitor visa, but must obtain a New Zealand Electronic Travel Authority (NZeTA). The NZeTA application is completed online, typically costs about $30, and should be arranged before travel. A valid passport and proof of onward travel are also required.
How do I purchase travel insurance for New Zealand?
First, compare different policies, for example by using the HelloSafe travel insurance comparison tool. Next, check what is covered and any exclusions, making sure to review specific needs for New Zealand such as adventure activities. Buy your chosen policy online and then download your insurance certificate for your records and visa application if needed.
What risks should Americans consider when selecting travel insurance for New Zealand?
Americans should consider coverage for medical emergencies, theft, cancellations, and especially natural disasters, as New Zealand is prone to earthquakes and storms. Coverage for adventure sports such as hiking or skiing is also crucial, as many standard policies exclude such activities unless specifically added.
Are there special requirements for adventure travelers in New Zealand?
If you plan to engage in adventure sports in New Zealand, ensure your travel insurance covers those activities specifically. Some policies may exclude high-risk sports or require you to purchase additional coverage. Always review the fine print to avoid uncovered risks during your trip.
What should I do if I need medical assistance while in New Zealand?
In case of a medical emergency in New Zealand, dial 111 for immediate help. Contact your travel insurance provider as soon as possible to open a claim and receive support. Many insurers offer 24/7 assistance services, which can guide you to approved healthcare providers and assist with paperwork.
