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Travel insurance for New Zealand

4.8
App store rating
300k
Aussies covered
24/7
Emergency assistance
Remember:

Find the right cover for your trip

Whether you're cosying up at a New Zealand winery, skiing your pants off or hiking landscapes fit for Hobbits, all our overseas plans include medical expenses cover, your choice for trip cancellation cover and varying luggage cover limits as standard.

budget

Essentials

Just the basics.
Overseas medical expenses
$Unlimited~
Overseas emergency evacuation & repatriation
$Unlimited~
Cancellation
$3,000
(or cover chosen)#
LuggageΔ
$5,000^
Travel delay
$500^
Rental vehicle excess
COMPREHENSIVE

Explorer

The all-rounder.
Overseas medical expenses
$Unlimited~
Overseas emergency evacuation & repatriation
$Unlimited~
Cancellation
$5,000
(or cover chosen)#
LuggageΔ
$10,000^
Travel delay
$2,000^
Rental vehicle excess
$5,000
COMPREHENSIVE +

Explorer Pro

Fully loaded.
Overseas medical expenses
$Unlimited~
Overseas emergency evacuation & repatriation
$Unlimited~
Cancellation
$10,000
(or cover chosen)#
LuggageΔ
$15,000^
Travel delay
$3,000^
Rental vehicle excess
$10,000
budget
Essentials
Just the basics.
Cancellation
$1,000
(or cover chosen#
Additional expenses
$10,000^
LuggageΔ
Special events
Rental vehicle excess
COmprehensive
Explorer
The all-rounder.
Cancellation
$2,000
(or cover chosen)#
Additional expenses
$10,000^
LuggageΔ
$5,000^
Special events
$1,500^
Rental vehicle excess
$5,000
COMPREHENSIVE +
Explorer Pro
Fully loaded.
Cancellation
$3,000
(or cover chosen)#
Additional expenses
$10,000^
LuggageΔ
$10,000^
Special events
$2,000^
Rental vehicle excess
$8,000

~ Medical and dental cover will not exceed 12 months from onset of the illness or injury.
#The level of cover applies per policy.
^Limits, sub‑limits, conditions and exclusions apply.
*Liability collectively for Sections 12. Accidental Death, and 13. Disability is $25,000 on the Explorer plan, and $30,000 on the Explorer Pro plan.
ΔItem limit applies for any one item, set, or pair of items including attached and unattached accessories.

Helpful Tip:
Remember:

Customise your New Zealand cover with Trip Extras

Build on your New Zealand travel insurance plan by adding Trip Extras to get pay-per-day cover for activities like skiing, cruising and adventure sports, as well as increased limits for your valuable items and extra cancellation cover.

Why visit Aotearoa/New Zealand?

New Zealand – Aotearoa in Māori language (au-tee-uh-row-uh), meaning land of the long white cloud – is a popular destination for Australians, who come to road trip, visit friends and family, hike, check out the amazing wineries, ski and snowboard.

According to Māori legend, a demigod by the name of Māui once snuck onto his brothers’ canoe to accompany them on a fishing trip. Instead of a hoki, Māui’s magical fishhook pulled out the North Island of Aotearoa/New Zealand. Its name in Māori is Te Ika a Māui (“Māui’s Fish”), whereas the South Island is Te Waka a Māui (which many stories translate to “Maui’s Canoe”).

The North Island is a breathtaking mix of conical mountains, geothermal phenomena and golden beaches, and it’s also considerably warmer than its southern counterpart, which is probably why two-thirds of Aotearoa/New Zealand’s population have chosen to call it home.

The South Island is particularly famous for its wine regions, scenic drives and adventure activities on offer – from spotting seals, whales and dolphins in Milford Sound to skiing or snowboarding around alpine resort towns such as Queenstown and Wānaka.


If you’re thinking about visiting New Zealand, it might be a good idea to consider travel insurance with medical, trip and belongings cover. We also cover things like snow sports and adventure activities with our Trip Extras (which you can add to your policy at an additional cost).

How to get to New Zealand

From Australia, you can fly directly to a number of cities in Aotearoa/New Zealand, including Auckland and Wellington on the North Island and Christchurch and Queenstown on the South Island.

Depending on where in Australia you depart from, the flight to Aotearoa/New Zealand can take as little as 3 hours. Airlines such as Qantas, Air New Zealand and Jetstar offer regular flights, and often have sales offering cheap deals.

 

The majority of Australian passport holders do not need a visa to enter Aotearoa/New Zealand, and can visit, live and work there indefinitely. Entry and exit conditions can change quickly though, and also differ for people with criminal records and/or who have been deported from another country before. 

 

For the latest information on entry requirements and travel advisories, you can check the Australian Government's Smartraveller website, contact your nearest New Zealand embassy or consulate in Australia, or visit the official New Zealand Immigration website.

Medical cover for Australians in New Zealand

There’s a close relationship between Australia and New Zealand.

Our two countries have what’s called a reciprocal health care agreement (RHCA), which provides Australians access to publicly funded health services for immediate necessary medical treatment.

Additionally, under New Zealand’s Accident Compensation Corporation (ACC), non-residents and foreign visitors may be covered for injuries arising from an accident in New Zealand.

However, there are some limitations to these schemes. For instance, mishaps that require emergency evacuation and repatriation may not be covered. Similarly, costs associated with a mishap, such as emergency travel arrangements, may not be covered.

Travel insurance – such as what Freely offers – can provide certain protections beyond what the RHA and ACC may cover.

Freely’s overseas plans include unlimited* overseas medical and emergency dental cover, as well as telehealth access, 24-hour emergency assistance and cover for trip and belongings.

Plus, by adding our Trip Extra to your base policy (at an additional cost), travellers can also enjoy cover for things like snow sports, motorcycle riding and adventure activities.

 

For more detail, be sure to read the PDS. *Medical and dental cover will not exceed 12 months from onset of the illness or injury.

Why do I need travel insurance for New Zealand?

New Zealand is one of Australia's most popular destinations - easy to get to, stunning to explore, and packed with activities from skiing and bungy jumping to hiking and jet boating. New Zealand's Accident Compensation Corporation (ACC) provides some cover for accident-related treatment, but it doesn't extend to illness, medical evacuation back to Australia, trip cancellation or lost luggage. Freely can help fill those gaps, depending on your plan and circumstances. Full terms and conditions are set out in the PDS.

Top tips for travel in New Zealand

Here are some helpful tips to consider ...

1

Plan ahead for a New Zealand trip

Aotearoa/New Zealand is a travel destination that is much loved – and visited – by locals and tourists alike. Accordingly, it’s a good idea to plan ahead when it comes to things like accommodation and experiences to make sure you don’t miss out, especially during peak seasons like school holidays and the height of winter.

2

Pack for every season

Weather in Aotearoa/New Zealand can be varied and can change rapidly. Pack wisely with layers and waterproof clothing, even in summer, and be sure to bring sunscreen and a hat with you too.

3

Be a sustainable traveller in New Zealand

Aotearoa/New Zealand is renowned for its staggering natural beauty and rich Māori heritage. As travellers, it’s our responsibility to minimise our impact on both the place and the people who call it home. This means learning a bit about Māori history, culture and language, reducing waste and respecting wildlife.

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Why choose freely

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Only pay for the extra cover you need on the days you actually need it.

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Update your policy on your trip so you can embrace travel spontaneity.

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Get 24/7 access to our medical and emergency specialists.

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New Zealand travel insurance FAQs

I’m going skiing or snowboarding in New Zealand. Will I be covered?
I’m hiring a campervan in New Zealand. Will I be covered?
What happens if there’s a natural disaster in New Zealand?
I’m going trekking in New Zealand. Will I be covered?
I’m going bungee jumping or skydiving in New Zealand. Will I be covered?
Does Australia have a reciprocal health agreement with New Zealand?
Does New Zealand's ACC scheme mean I don't need travel insurance?
What should I do if I have a medical emergency in New Zealand?
Can I buy or extend my Freely policy while already in New Zealand?
What activities in New Zealand need additional cover (Trip Extras)?
What does Freely cover in New Zealand?
What happens if my trip to New Zealand is cancelled or disrupted?