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Travel insurance for New Zealand

From the enchanting Waitomo Caves to the stunning Southern Alps, New Zealand is filled with amazing landmarks just waiting for you to explore. You're going to love your kiwi adventure!

Before you go, it's a good idea to think about travel insurance. The right policy can cover you for a whole host of unexpected issues.

If you're ready to start comparing policies click 'get a quote'. But, if you want to learn a little more about New Zealand, and the insurance you might need in the 'other land down under', read on!

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Do I need travel insurance for New Zealand?

Technically, you don't need travel insurance to visit New Zealand as it isn't a legal requirement. But, there's plenty of good reasons why having it could be a smart idea.

Picture this: You're hiking one of New Zealand's many popular trails, but you fall and injure yourself. Travel insurance could help cover your medical costs. It could also cover the cost of emergency rescue if you need it. Or, being flown home for treatment.

Now, picture this: You've just touched down in New Zealand, and you discover that your bags didn't make it. Travel insurance can help you replace essential items while you wait for your luggage. Or, it can reimburse you if it's been lost altogether.

How handy is that?

Travel insurance is just the ticket for covering yourself against the unexpected. Phew.

How does healthcare work for Brits visiting New Zealand?

Healthcare in New Zealand is quite similar to the UK. And here's the great news—there's a reciprocal health agreement between the UK and New Zealand.

This means that as a UK citizen visiting short-term, you'll be entitled to the same public healthcare as New Zealand citizens. How convenient is that?

To break it down further, New Zealand's healthcare system works a lot like the NHS. For example, emergency care is typically covered by the Accident Compensation Commission (ACC). This means if you're injured, emergency medical treatment is usually free.

But, there's certain things that you'll need to pay for. So, it's good to be aware of them:

  • GP visits: You'll have to pay for any appointments. But, they're free for those under 14.
  • Prescriptions: Any prescription items come with a cost. Usually, you'll need to pay $5 per item for most things, but it's free for those under 14.
  • Dentists: Emergency care can be partially subsidised, so you might only need to pay for part of your treatment. It's free for under 18s.

What could my travel insurance cover me for in New Zealand?

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Policies usually cover:

  • Medical cover: Emergency healthcare is free in New Zealand, but you still might have to pay for other health-related things. Travel insurance with medical cover can help you out with that.
  • Cancellation cover: If you need to cancel your trip, your policy's travel cancellation cover can help here.
  • Baggage cover: If your personal possessions are damaged, stolen or lost while you're away, your policy's baggage cover could help here.
  • Repatriation insurance: If you need to be returned to the UK for medical treatment, your policy's repatration insurance could help here too. Without insurance, this could cost thousands of pounds.
  • Travel disruption insurance: If weather or something else grounds your flight, travel insurance could help here too.
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Policies don't usually cover:

  • Travelling against FCDO advice: If the Foreign, commonwealth and Development Office (FCDO) advises against travel to your destination, but you decide to go anyway, you won't be covered.
  • Incidents involving drugs or alcohol: If anything happens as a result of these substances, your travel insurance won't cover you.
  • Known events: If an event that was known before you began travelling - like an earthquake - impacts your trip, your insurance won't cover claims related ot it.
  • Extreme sports or activities: Most standard travel insurance don't cover high-risk activities. You'll need extreme sports travel insurance here.
  • Changing your mind: If you decide you no longer want to go on your trip to New Zealand, you won't be covered for the cost of cancellation.

How much is travel insurance for New Zealand?

New Zealand travel insurance prices:

Solo traveller

£6.011

Couple

£7.852

Family

£10.973

Travel insurance for New Zealand could set you back as little as £6.01.

Just bear in mind that what you pay depends on your personal circumstances and the nature of your trip. So you might pay more for your cover.

But don't fret: Find out exactly what you could pay by getting a quote! It's quick, easy and lets you see exactly what's out there.

1 Lowest price for a single traveller, aged 30 with no health conditions staying in New Zealand for 7 nights. Prices correct October 2024.
2Lowest price for a couple, both aged 30, with no health conditions staying in New Zealand for 7 nights. Prices correct October 2024.
3 Lowest price for a family of two adults, both aged 30, and two children, both aged 5 with no medical conditions staying in New Zealand for 7 nights. Prices correct October 2024.

What type of travel insurance do I need for New Zealand?

There's no 'one size fits all' answer, as the type of insurance you'll need depends on the nature of your trip and personal circumstances.

So, let's dive into the different options available to you:

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Single trip

Single-trip travel insurance can cover an individual trip, usually for up to 31 days. This could make it an ideal choice if you've only got one trip planned for the year.

Good for: 'One-off' holidays to New Zealand.

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Annual multi-trip

This covers multiple, separate trips over the course of a year. Usually, up to 31 days each. This can make it a great choice for frequent travellers.

Good for: Travellers making multiple trips over 12 months.

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Long stay

Long stay travel insurance can cover a visit to a destination for an extended period of time. Policies will usually cover you for up to 18 months.

Good for: Those staying in New Zealand for extended periods.

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Backpacker

Designed with backpackers in mind, this type of policy is ideal for gap years and can cover trips of up to 18 months across multiple countries.

Good for: Stops in New Zealand as part of a longer holiday.

What our travel insurance expert says

"While most of your emergency healthcare needs might be covered in New Zealand, travel insurance can still be an important consideration for Brits taking the trip. Plus, since there're no direct flights to New Zealand from the UK, disruptions can happen. The right policy can help here too."
Alvaro Iturmendi - Confused.com travel insurance expert
Travel insurance expert Confused.com logo

What extras can I add on to my travel insurance policy?

Depending on what you're doing, you might also want to consider travel insurance policy add-ons.

You can add these to your chosen travel insurance for enhanced cover. You'll need to pay an extra cost for them. But, depending on your plans in New Zealand, it might be well worth buying.

Some that might be relevant to your trip include:

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Adventure travel insurance

This add-on can cover activities insurers consider too 'risky' for standard cover. Think scuba diving or rock climbing. Contact your insurer and ask to add this on if you're interested.

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Cruise insurance

This policy add-on can cover problems unique to cruise holidays. Think missed port-departures, covering the cost of an air ambulance to land and more.

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Gadget insurance

Travel policies usually come with some form of cover for your electricals, but gadget insurance gives you a more comprhenesive level of protection for your tech.

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Ski insurance

If you plan to go skiing in one of New Zealand's many resorts, this add-on can cover things like piste-closure or gear theft that could derail a day on the slopes.

Do I need a Visa for New Zealand?

Nope, you won't need a visa to enter New Zealand. That's one less thing to have to worry about, right?

But, there are a few things you'll need to do before your trip. Let's walk through them:

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Get a Nzeta

The NZeTA is issued by Immigration New Zealand. You'll need it to enter the country, and it'll cover you for 6 months so long as you won't be working during your stay. Applying for one is easy as can be and you can apply on the Immigration New Zealand website.

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Sort your return ticket

When you arrive in New Zealand, you'll need to show proof of your onward or return ticket. This is just a routine check to confirm you'll be leaving within the allowed time. Sometimes, you might also be asked to show proof that you've got enough money to cover your stay.

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Complete a declaration form

Lastly, you'll need to make sure you've completed a traveller declaration form. It's a free, quick process that helps with security, and you can do it any time within 24 hours of your departure to New Zealand. Forms are available via the website.

What else do I need to know before I travel to New Zealand?

Maybe you've got plans to soak in steaming hot springs beneath the stars in Queenstown. Or, perhaps you want to revisit your favourite characters in the picturesque Hobbiton village.

Whatever's on your itinerary, here's some important things to keep in mind before boarding your flight:

Staying safe

New Zealand is generally safe. Crime is low, but it can happen.

Thieves might target unattended hire cars or campervans. Usually, in tourist spots like Coromandel Peninsula and Rotorua. Avoid leaving your valuables in your vehicle when you leave it parked.

If you're camping, consider campsites with facilities—many of them have on-site security.

You can drive with a full UK licence

Good news! You can drive on a full UK licence, but just check your car insurance covers you. And, no need to worry about driving on the other side of the road—Kiwis drive on the left, just like in the UK.

You've got options for getting around

Public transport is reliable and covers most places. But, buses can be a bit slow for sightseeing. If you're looking to explore more freely, hiring a car or campervan is a great option.

If driving isn't your thing, there's plenty of guided coach tours available, too. And, if you've got plans to venture out to the North and South Islands, ferries and water taxis are readily available.

Be prepared for long travel days

Get ready for big travel days! On average, it takes around 24 hours to get to New Zealand from the UK. And, as there's no direct flights, you'll need to get at least 1 connecting flight.

Tipping culture

Tipping isn't customary or expected in New Zealand. But, you can provide a tip if you'd like after receiving a good service or experience. In other words, it's entirely up to you!

Be mindful of Māori Culture

Certain landmarks are sacred to the Māori people and are considered to have 'Mana', a term that means spiritual power. At these special places, it can be offensive to do certain things.

So, Before you go hiking or sightseeing, research natural landmarks to see if there's any cultural rules you should know about. Usually, there will be signs to let you know what you shouldn't do. If you're unsure, just ask.

Weather can be unpredictable

New Zealand's climate is a lot like the UK's, but it can be unpredictable! The warmest months are December through February. Although, March to May is still warm and tends to have fewer tourists.

Head's up: The weather can be cold in the evenings, even during the summer! Make sure you pack a few warm items of clothing in your suitcase. And, don't forget to pack your insect repellent, either—sandflies can be a bit of a nuisance in the summer!

 

Need more help with your trip to New Zealand?

Will I be covered to work in New Zealand?

Your travel insurance policy might cover you for working abroad. But, this isn't a guarantee.

The kind of coverage you can get for working in New Zealand can vary depending on your insurer. So, check your policy to see if it covers working.

Keep in mind—even if your policy covers you for work-related activities, you'll still need to make sure you have an appropriate working visa. If you don't have the correct visa in place, your travel insurance won't cover you. You can find out more on GOV.UK.

Planning to visit New Zealand for a business trip? It's worth considering business travel insurance. This type of insurance can offer enhanced cover for the things that can go wrong on a work trip. For example, stolen, damaged or accidentally lost equipment.

Can I get travel insurance for New Zealand if I have medical conditions?

You should be able to get cover if you have a pre-existing condition. You may not be covered for treatment relating to your known conditions though, so check with your insurer to see exactly what you're covered for. Otherwise you may need specific travel insurance for pre-existing conditions.

Any planned treatment you'll need while away typically will not be covered.

Make sure to declare any pre-existing conditions to your insurer, otherwise your policy could be voided.

Do I need vaccinations for New Zealand?

There aren't any specific vaccinations required for your trip to New Zealand. Hooray!

But, rules can always change. So, it's a good idea to check vaccination guidance prior to travel.

Top tip: If you have any concerns, you can always book an appointment with your GP before your trip. They'll be able to offer specific guidance tailored to you.

Learn more about travel insurance

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