Travel Insurers in New Zealand - The Complete Directory

Our comprehensive guide covers over 20 insurers offering various travel policies. We list everyday travel insurers, policies sold by airlines, travel agencies, credit card travel insurance, along with general insurers offering travel insurance.

Updated 10 June 2023

Summary:

New Zealanders have 20+ different travel insurers to select from, although 80% or more of policies sold are to the top three insurers.
This guide does not provide sample quotes - our travel insurance guide covers all insurers who offer online quotes.
The purpose of this guide is to comprehensively list every travel insurer in New Zealand so that you understand there are numerous options available.

Our guide covers:

Know This First: Every traveller and family is different, which is why it's impossible to say what travel insurer is "best". We believe our travel insurance comparison is the most comprehensive price information currently available and a good starting point. That being said, comparing multiple providers is the only way to save.

Our Thoughts on Policies and Pricing:

Only a handful of insurers provide online travel insurance quotes, which we feel is disappointing for price transparency despite it being an uncomplicated product.
As a result, some of the insurers listed below only provide quotes in-person or over the phone. This makes comparing more time-consuming.
This means we have not priced tested or looked at the dozens of policies for the numerous in-person insurance company. We believe the online travel insurance market is very competitive and, in many cases, will be more affordable than bank and broker-sold insurance (when your needs are typical rather than non-standard).
For this reason, we suggest arranging quotes from a selection of everyday travel insurers (Southern Cross, AA Travel, Tower etc) first to get a ballpark.

Everyday Travel Insurers (Online Quotes Available)

Most New Zealanders chose an established provider like Southern Cross, AMI, Tower and AA Insurance for their travel. The companies compete vigorously to attract new customers, which is why comparing policies is an almost certain way to save money. You can buy policies from any of the companies listed below online.

1Cover Travel Insurance

Insurance offered: Overseas cover and domestic cover
Underwriter: Lloyd's (London)
More details: 1Cover Travel Insurance

AA Travel Insurance

Insurance offered: Overseas cover and domestic cover
Underwriter: Allianz
More details: AA Travel Insurance

AMI Travel Insurance

Insurance offered: Overseas cover, annual multi-trip cover and domestic cover
Underwriter: Zurich New Zealand
More details: AMI Travel Insurance

Chubb Travel Insurance

Insurance offered: Overseas cover and domestic cover
Underwriter: Chubb Insurance New Zealand
More details: Chubb Travel Insurance

Cover-More Travel Insurance

Insurance offered: Overseas cover and domestic cover
Underwriter: Zurich New Zealand
More details: Cover-More Travel Insurance

nib Travel Insurance

Insurance offered: Overseas cover and annual multi-trip cover
Underwriter: Pacific International Insurance Pty Ltd (Australia)
More details: nib Travel Insurance

State Travel Insurance

Insurance offered: Overseas cover, annual multi-trip cover and domestic cover
Underwriter: Zurich New Zealand
More details: State Travel Insurance

Southern Cross Travel Insurance

Insurance offered: Overseas cover, annual multi-trip cover and domestic cover
Underwriter: Southern Cross
More details: Southern Cross Travel Insurance

TINZ

Insurance offered: Overseas cover, annual multi-trip cover and domestic cover
Underwriter: Lloyd's (London)
More details: TINZ Travel Insurance

Tower Travel Insurance

Insurance offered: Overseas cover and domestic cover
Underwriter: Allianz
More details: Tower Travel Insurance

World Care

Insurance offered: Overseas cover, annual multi-trip cover and domestic cover
Underwriter: Allianz
More details: World Care Travel Insurance

World Nomads

Insurance offered: Overseas cover and annual multi-trip cover
Underwriter: Pacific International Insurance Pty Ltd (Australia)
More details: World Nomads Travel Insurance

Zoom Travel Insurance

Insurance offered: Overseas cover and annual multi-trip cover
Underwriter: Lloyd's (London)
More details: Zoom Travel Insurance

Travel Insurance Sold by Airlines

Air New Zealand Travel Insurance

Insurance offered: Overseas cover and domestic cover
Underwriter: Zurich New Zealand
More details: Air New Zealand Travel Insurance

Jetstar Travel Insurance

Insurance offered: Australian cover and domestic cover
Underwriter: AIG
More details: Jetstar Travel Insurance

Qantas Travel Insurance

Insurance offered: Overseas cover and annual multi-trip cover
Underwriter: Pacific International Insurance Pty Ltd (Australia)
More details: Qantas Travel Insurance

Travel Agents Offering Travel Insurance NZ

Travel Insurance Sold by Travel Agencies

Almost every travel agent will offer travel insurance; we suggest comparing the quote you get with other options as there's usually a lot of commission factored in which means you could pay more for the same (or less) cover.

New Zealand has few travel agency chains or high-volume websites - we list their travel insurance offerings below:

Flight Centre Travel Insurance

Insurance offered: Overseas cover and annual multi-trip cover
Underwriter: Zurich New Zealand
More details: Flight Centre Travel Insurance

House of Travel/Mix&Match Travel Insurance

Insurance offered: Overseas cover and annual multi-trip cover
Underwriter: Allianz
More details: HOT Travel Insurance

Webjet

Insurance offered: Overseas cover, annual multi-trip cover and domestic cover
Underwriter: Zurich New Zealand (sold via Cover-More)
More details: Webjet Travel Insurance

Bank-Issued Travel Insurance (Available via Selected Gold and Platinum Credit Cards)

New Zealand Banks don't sell travel insurance directly; instead it's a benefit for cardholders with certain platinum or gold credit cards. We have listed the banks who offer such cards; our guide to platinum and gold credit cards lists these for your consideration.

How does credit card travel insurance work?

If you pay for an overseas trip using your credit card, most gold and platinum cards will provide travel insurance for a set number of days. The cover and trip duration limit varies per credit card and won't usually cover pre-existing conditions or valuables over a certain dollar amount.
Credit card travel insurance is often cost-effective if you're healthy, don't require additional cover and travel more than once a year. This is because the annual fee for the card (usually less than $200) covers you and family travelling with you, avoiding the need to buy a standalone travel insurance policy.

Kiwibank Travel Insurance

Underwriter: Allianz
More details: Compare Kiwibank Platinum and Gold Credit Cards

ASB Travel Insurance

Underwriter: Chubb Life
More details: Compare ASB Platinum and Gold Credit Cards

ANZ Travel Insurance

Underwriter: Allianz
More details: Compare ANZ Platinum and Gold Credit Cards

BNZ Travel Insurance

Underwriter: AIG
More details: Compare BNZ Platinum and Gold Credit Cards

TSB Travel Insurance

Underwriter: Allianz
More details: Compare TSB Platinum and Gold Credit Cards

Westpac Travel Insurance

Underwriter: AIG
More details: Compare Westpac Platinum and Gold Credit Cards

General Insurers Offering Travel Insurance (Online Quotes Available)

While not as well known for travel insurance as the providers above, the companies below also offer policies and, with the exception of Crombie Lockward, sell online via online quotes. To ensure you get a complete comparison, we suggest getting online quotes to see how they compare for your travel needs.

AMP Travel Insurance

Insurance offered: Overseas cover
Underwriter: Allianz
More details: AMP Travel Insurance

Crombie Lockwood Travel Insurance

Insurance offered: Overseas cover, annual multi-trip cover and domestic cover
Underwriter: Offshore Market Placements (OMPL)
More details: Crombie Lockwood Travel Insurance

FMG Travel Insurance

Insurance offered: Overseas cover, annual multi-trip cover and domestic cover
Underwriter: Zurich New Zealand (sold via Cover-More)
More details: FMG Travel Insurance