Compare Travel Insurance
Travel policies differ in the details, and the policy wording is what decides a claim. Use the table below to compare any two policies on the same points, then read each insurer's official wording.
What to compare
Get quotes for the same trip — same destinations, dates, travellers and options — and check each of these in the wording. Limits and excesses depend on the plan level and the options you pick, so compare like with like.
| Feature to check | Where to find it in the wording | Why it matters |
|---|---|---|
| Overseas medical and evacuation | Table of benefits; the overseas medical and emergency expenses section | Treatment and evacuation overseas can be expensive, and the New Zealand Government will not pay these costs (SafeTravel). Check whether the limit is stated as a dollar amount or unlimited, and any sub-limits. |
| Pre-existing medical conditions | Pre-existing conditions section, and the insurer's medical assessment process | Some conditions may be covered automatically, some need an assessment and some are excluded. An undeclared condition can put a claim at risk. |
| Cancellation and amendment | Cancellation section and the list of covered reasons | Only the reasons listed are covered, usually only for events after you bought the policy. Check the limit against what you have prepaid. |
| Excess | Schedule / certificate of insurance and the excess clause | The amount you pay towards each claim. A higher excess usually lowers the premium, and some sections may carry their own excess. |
| Luggage and personal items | Luggage section; item and category limits in the table of benefits | Per-item limits are often much lower than the section total. Phones, cameras and jewellery may have their own limits or conditions. |
| Activities and sports | Activities list, general exclusions, and any add-on options | SafeTravel advises buying a policy that covers the activities you have planned. Skiing, diving, scooter or motorbike riding and cruises often have conditions or need an add-on. |
| Destinations and travel advisories | Region definitions on the schedule; general exclusions | Many policies will not cover travel to countries or regions SafeTravel advises against visiting. The region on your quote must match your trip. |
| Age and trip-length limits | Eligibility section; annual multi-trip conditions | Insurers set their own maximum ages and trip lengths, which can differ by plan. |
| Rental vehicle excess | Rental vehicle section (sometimes an option) | Covers the excess charged by a rental company after damage or theft, within the policy's conditions. |
| General exclusions | General exclusions section | Applies across the whole policy — for example alcohol or drug-related events, unlicensed driving, or known events at the time you bought cover. |
Statements attributed to SafeTravel are from SafeTravel — Travel insurance (checked 30 September 2026).
Official policy wordings
Links go to each insurer's own policy wording page, checked on 30 September 2026. Insurers update their wordings, so confirm the version and effective date before you buy. Listed alphabetically; no ranking is implied.
| Brand | Underwritten by | Policy wording | Profile |
|---|---|---|---|
| 1Cover Travel Insurance | Online travel insurance issued and managed by 1Cover NZ Limited and underwritten by HDI Global Specialty SE. | 1Cover policy details and wording | 1Cover Travel Insurance |
| AA Travel Insurance | Travel insurance promoted by the New Zealand Automobile Association, administered by Cover-More (NZ) Limited and underwritten by Zurich. | AA Travel Insurance policy wording | AA Travel Insurance |
| Air New Zealand Travel Insurance | Travel insurance offered by Air New Zealand as agent for the insurer, administered by Cover-More (NZ) Ltd and underwritten by Zurich. | Air New Zealand travel insurance policy documents | Air New Zealand Travel Insurance |
| Allianz Travel Insurance | Travel insurance issued and managed by AWP Services New Zealand Limited, trading as Allianz Partners, and underwritten by Mitsui Sumitomo Insurance Company, Limited. | Allianz Travel policy wording | Allianz Travel Insurance |
| American Express Travel Insurance | Travel insurance distributed by American Express in New Zealand and issued and underwritten by Chubb Insurance New Zealand Limited. | American Express Travel Insurance policy wording (PDF, Chubb) | American Express Travel Insurance |
| Cover-More Travel Insurance | Travel insurance administered by Cover-More (NZ) Ltd and underwritten by Zurich Australian Insurance Limited, trading as Zurich New Zealand. | Cover-More policy wording documents | Cover-More Travel Insurance |
| Southern Cross Travel Insurance | Travel insurance issued by Southern Cross Benefits Limited, trading as Southern Cross Travel Insurance. | Comprehensive plan policy wording (each plan has its own wording page) | Southern Cross Travel Insurance |
| TINZ (travelinsurance.co.nz) | Online travel insurance sold under the TINZ name by The Insurance Geeks Limited and underwritten by HDI Global Specialty SE. | TINZ policy wording | TINZ (travelinsurance.co.nz) |
| Tower Travel Insurance | Travel insurance underwritten by Tower Limited and issued and managed by AWP Services New Zealand Limited, trading as Allianz Partners. | International travel policy wording (PDF, effective 6 October 2025) | Tower Travel Insurance |
How This Site Works
Who provides each policy
Each insurer profile names the issuer and underwriter and their FSP registration, with sources
The wording, not a summary
We link to the insurer's own wording rather than restate cover limits that change
Request a Quote
Your details go to Evolve Group Limited (FSP711891), who will contact you. Request a quote
This page is general information, not a recommendation of any policy. Cover, limits, excesses and prices are set by each insurer and can change; the policy wording and your certificate of insurance are what apply.
Questions About Comparing Travel Insurance
Frequently Asked Questions
How does this comparison work?
This site does not sell insurance or generate live quotes. The comparison table lists the features worth checking in any travel policy and where to find each one in the wording, and the insurer list links to each insurer's official policy wording and a profile of who issues and underwrites it.
Where do I get a quote?
Quotes come from the insurers themselves — each insurer's website quotes online, and the premium depends on your age, destinations, trip length, plan and excess. You can also request a quote through this site: your details go to Evolve Group Limited (FSP711891), who will contact you.
Can I buy a policy through this site?
No. You buy a policy from the insurer, or through Evolve if you request a quote here. Your policy documents come from the insurer, and they are the documents that apply.
What if I need to make changes after buying?
Contact the insurer that issued your policy — their contact details are in your policy documents and on each insurer profile on this site. Changes such as new dates or added options may change the premium.
