Travel insurance for New Zealand: our complete guide

Travel insurance New Zealand: what cover should I take out for a trip to the land of kiwis and ferns?

New Zealand is a magnificent land of lush natural beauty. Whether you’re exploring the landscapes of Lord of the Rings, looking for a complete change of scenery, or drawn by the bustle of Wellington andAuckland, this is a country you’ve got to discover. And to make the most of it, we invite you to take out travel insurance for New Zealand. This will cover you in the event of the unexpected.

Travel insurance comparison for New Zealand

Whichever insurance you’re looking for, it’s time to compare. It’s the best way to find the best cover for the trip you’re planning. In the table below, we’ve put together a selection of insurance company offers.

Travel insurance comparison for a trip to New Zealand
Insurer Contract name Travel time From Offer
Logo ACS Assurances voyage Globe Partner Up to 12 months 13€ See the offer
Logo Chapka Assurances voyage Cap Assistance 24h/24 Less than 90 days 22€ See the offer

What’s the best travel insurance for New Zealand?

Souscrire à une assurance voyage

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The best travel insurance is the one that meets your requirements. If you’re on a tight budget, you’ll be looking at price. If you’re used to accidents and health problems, you’ll be particularly interested in the cover you have.

There’s no single best travel insurance for New Zealand. Everyone needs to find the most coherent coverage according to their activities, length of stay, profile, etc.

Today, it’s possible to customize your cover. So you get a tailor-made offer that gives you the best value for money. In our opinion, that’s what travel insurance is all about.

How much does travel insurance cost for New Zealand?

Point de vue sur les lacs dans le parc nationak de Tongariro en Nouvelle-Zélande

Photo Credit: Shutterstock / Maridav

The price of insurance varies according to different parameters. An insurance company has a specific business: it must insure a risk. So it has to think ahead, imagining the compensation it might have to offer its policyholder, depending on the context. This is what determines the price of travel insurance.

As a result, when a customer asks for a price, he can’t get a quote without explaining his own situation.

Let’s imagine four students off to discover New Zealand by nature. From the white sandy beaches of Cathedral Grove to Tongarino National Park, Abel Tasman National Park and Kaikoura, they’re going to do a lot of different things. Trekking, scuba diving, kayaking – all these activities carry a potential risk of injury. The insurer will take this into account when calculating the price of travel insurance.

Now imagine a group of sixty-somethings visiting Auckland’s museums to discover local art and Maori culture. The risk to be insured here is no longer the same. Admittedly, the risk of injury is limited. However, it’s important to consider the age of travelers, who are naturally more inclined to consult a health professional during their stay in New Zealand.

In concrete terms, the price of travel insurance is calculated according to the following parameters:

  • Age;
  • Number of persons to be insured;
  • Length of stay;
  • The nature of the activities;
  • Warranties.

Why take out travel insurance for New Zealand?

La franchise : détail clé d'un contrat d'assurance voyage

Photo credit: Shutterstock – Stock-Asso

This meets the need for financial and human coverage. In the event of a problem, you’re no longer on your own, and you’re covered to the full extent of your guarantees.

What does comprehensive travel insurance cover?

With travel insurance, you have a choice of coverages. From the most basic to the most solid, it’s up to you to determine the best choice for your stay in New Zealand.

Here are the coverages we offer for your trip:

  • Medical care (including hospitalization) ;
  • Liability insurance;
  • Travel cancellation insurance;
  • Repatriation assistance;
  • Trip change insurance;
  • Baggage insurance in case of loss or theft;
  • Search and rescue costs;
  • Legal protection insurance;
  • Extreme sports insurance.

In addition to the choice of cover, we would like to draw your attention to the general conditions. For optimum protection, you should consider the following points:

  • Franchises;
  • Deficiencies;
  • Exclusions;
  • Compensation ceilings.

The indemnity ceiling must be consistent with your car. For example, in New Zealand, medical expenses are expensive. You need to make sure that your reimbursements are in line with your expectations.

Is travel insurance compulsory for New Zealand?

No, there’s no obligation to take out travel insurance if you set out to discover this magnificent country. Travel insurance is compulsory in only a few countries, such as Russia andAlgeria.

Naturally, some of you may be thinking that if it’s not compulsory, why bother taking out an insurance policy at all? And yet! With travel insurance for New Zealand, you’ll be sure to be covered for the benefits we’ve outlined above. In the event of an urgent and unforeseen need for medical attention, a fall requiring hospitalization, or theft of your luggage, you’ll be glad you took out this coverage. This insurance allows you to anticipate heavy expenses that you might not otherwise be able to afford.

The importance of repatriation insurance in New Zealand

In New Zealand, you are more than 19,000 km from France. You’ve clearly crossed a large part of the planet.

As you may have noticed, a plane ticket isn’t cheap. Imagine that during your stay you become so ill or injured that you have to be repatriated to France, and that you need the assistance of a medical professional on your return. Without insurance, you’d have to pay for your own plane ticket and that of the person accompanying you, as well as for the time spent traveling with you, and the formalities involved in medical repatriation. In this case, you’re looking at several tens of thousands of euros.

And whether you’re away for a short or long stay, anything can happen during your absence. If you lose someone close to you, and this requires an early return to France, repatriation assistance covers your expenses.

Am I reimbursed for my medical treatment in New Zealand by the health insurance?

Le remboursement des frais via la CEAM

Photo credit: Shutterstock – Wolfgang Filser

In New Zealand, you may be required to pay healthcare expenses. Outside the European Union, Social Security cannot pay in advance. However, it can reimburse you if you so request. All you need to do is fill in the « Care received abroad » form and attach supporting documents.

However, reimbursement will be very low. In fact, the French Social Security system will base its reimbursements on the conventional rates in France, which are much lower than the actual expense and cost of care in New Zealand. With travel insurance, you can top up your reimbursement.

Does my Visa or Mastercard card cover me in New Zealand?

Carte bleu VISA

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Do you have a Visa Premier or Gold Mastercard? Travel insurance is included. Is this enough? It depends. If you’re planning a trip lasting more than 90 days, no, the bank card isn’t enough, as it doesn’t insure long-distance travel.

In addition, we recommend that you check your coverage limits, deductibles and exclusions to make sure that this solution will be sufficient and that independent travel insurance is not required.

What insurance should I take out when renting a car in New Zealand?

Assurance voyage Nouvelle-Zélande : assurance voiture

Photo credit: Shutterstock – Vadim Boussenko

New Zealand is a vast country, and it’s worth discovering all its facets. There’s only one solution: rent a car. This gives you total freedom of movement and a magnificent road-trip through an exceptional country.

But to ensure that this doesn’t turn into a financial nightmare, it’s best to be properly insured. A good rental car insurance policy should enable you to limit your out-of-pocket expenses, whether you damage someone else’s vehicle or your own.

Compare your rental company’s offer with independent insurance to limit the deductible and increase coverage.

Also read on the New Zealand guide :

Administrative, health and safety for New Zealand: our advice

Piha, Nouvelle-Zélande

Photo credit: Shutterstock – gracethang2

Before you leave for New Zealand, here are a few tips to help you make the most of your stay.

Which visa for New Zealand?

France has signed a visa waiver agreement with New Zealand. So there’s no need to apply for one to discover this country.

However, you must have a passport that is valid for at least three months after your planned departure date.

Health & Hygiene

There are no particular health risks in New Zealand. Whether you’re walking in the city or in the wilderness, there are no major risks in this country.

On-site security

New Zealand is a safe country, so there’s nothing to worry about here either. We simply recommend, as everywhere else, that you adopt the right gestures: don’t show off your valuables, don’t take out a large wad of cash, always hold on to your bag, and so on.

What to do in the event of an accident in New Zealand

In New Zealand, there’s a single number for contacting police, fire and ambulance services. Just dial 111.

Health insurance for expatriates in New Zealand?

Auckland, Nouvelle-Zélande

Photo credit: Shutterstock – Ruslan Kalnitsky

Have you applied for a work or resident visa to extend your stay in New Zealand? This time, you’ll need to take out expatriate insurance. Of course, mutual insurance is not compulsory. But this coverage will be very useful in the event of health problems or if you have to return to France prematurely. Compare expatriate insurances to find the best day-to-day protection.

Now everything is clear in your mind. Once you’ve taken out travel insurance for New Zealand, all that’s left to do is set off!