Compare Travel Insurance in New Zealand

Start with where you are going, how long you will be away, who is travelling and what you plan to do. Then compare policies on the same points: overseas medical cover, cancellation, luggage, the excess, pre-existing condition rules and the activities covered. The policy wording is the document that decides a claim, so read it before you buy. You can also request a quote through this site; your details go to Evolve Group Limited (FSP711891), who will contact you.

Most policies are built around overseas medical and emergency costs, cancellation and disruption, luggage and personal items, and personal liability. What each policy actually pays, and what it excludes, differs between insurers and plan levels. Check the wording for the activities you have planned, any high-value items you are taking, and every destination you are visiting.

Cancellation cover generally protects you only against events that happen after the policy is bought, so many travellers buy cover when they book and pay for the trip. Check when cover starts and what the cancellation section says in the wording of the policy you are considering.

Rules for pre-existing conditions differ between insurers: some conditions may be covered automatically, some need a medical assessment and some are excluded. SafeTravel, the Government's travel advice service, says to check that your needs are covered by the policy you buy and that your insurer knows about them. Declare every condition the insurer asks about.