New Zealand has it all, from rugged and untamed national parks to world-class skiing slopes.

Holidays can go wrong, though. Which is why the Australian Government recommends travellers get insurance (it’s “as important as a passport”).

As well as getting cover, you may wish to read our health and safety tips for Aussies travelling to New Zealand (below).

Cancellations and delays

Cancellation fees and lost deposits on prepaid travel, accommodation, meals, etc.; and travel delay expenses.

Overseas medical and hospital expenses

Unlimited amount for emergency overseas medical and hospital expenses (excluding pregnancy and childbirth).

Pre-existing medical conditions

Cover for 27 pre-existing medical conditions.

Travel documents, credit cards and travellers cheques

Replacement passport, visas, travel money cards, travellers cheques and credit cards if they're lost, stolen or damaged.

Rental vehicle insurance excess

Any hire-car excess you become liable to pay as a result of the car being damaged or stolen.

Luggage and personal effects

Cost of repairing, replacing or reimbursing you for your belongings if they're lost, stolen or damaged.

Personal liability cover

Legal liability cover in case you accidentally injure someone else or damage or lose someone else's property during your trip.

Cruise cover

Our four international travel insurance policies cover cruises, including those within Australian waters. (Our Domestic policy does not cover cruises.)

Compare all travel insurance policies

Terms, conditions, limits and exclusions apply.

For full details, please read the Product Disclosure Statement.

Health and safety concerns for New Zealand

Stay safe and healthy on your trip to New Zealand by taking note of the following:

Driving hazards

Spectacular scenery comes at a cost: Road safety can be compromised by black ice, one-way bridges, and windy routes.

Action sports

If your itinerary includes bungee jumping, parasailing and canopy-walking, you’ll need travel insurance to protect you in case of accidents.

Health system

While Australia and New Zealand have a reciprocal health care agreement, it does not cover all medical conditions.

Earthquakes and seismic activity

New Zealand is situated at the edge of two tectonic plates. This makes it vulnerable to earthquakes, tsunamis, landslides, and volcanic activity.

Be aware that seismic activity can happen without warning. 

Do I need extra coverage for
snow sports?

Yes — to be covered for costly mishaps while skiing, snowboarding and/or ice-skating , you need to add optional Snow Sports Cover to your Budget Direct travel insurance policy.

What to do before you leave for New Zealand

Reduce the risk of missed flights, detention or financial loss by following these steps before you depart:

Check your flight status

Check your flight details

Confirm your departure time (if your airline moves the time forward and you miss your flight, your losses may not be covered by travel insurance). 

Locate the Australian Embassy

Locate the Australian Embassy

Know how to contact the Australian High Commission in Wellington, in case you end up in a sticky situation.

Ensure you are covered

Ensure you are covered

Make sure your travel insurance is adequate and you’re aware of the policy’s limits and exclusions.

Overseas medical and emergency assistance

Budget Direct travel insurance gives you access to a worldwide, 24/7 network of 75,000+ medical and emergency assistance providers.

These include hospitals, medical centres, air ambulance providers, and air charter companies.

Read more about overseas medical and emergency assistance

Find out more

The information on this page is a summary only. For all the terms, conditions, limits and exclusions, please read the Product Disclosure Statement.

How to make a claim

If your trip didn't go entirely to plan and you need to make a claim, we're here to help. Make a claim on your Budget Direct travel insurance policy.

Frequently asked questions

Which sports and activities does travel insurance cover?

Budget Direct travel insurance includes cover for more than 90 sports and activities and optional cover for more than 12 snow sports.

Does travel insurance cover rental / hire cars?

All Budget Direct’s travel insurance policies except Last Minute include cover for any rental-car insurance excess you become liable to pay.

The excess is the amount you’re required to pay towards a claim for any loss or damage to the rental car while it’s in your possession (it’s also known as a ‘damage liability fee’).

While it’s designed to limit your financial liability for the loss or damage, the excess can still be as much as several thousand dollars.

Our ‘Rental vehicle insurance excess’ benefit — ranging from up to $4,000 (Essential, Domestic) to up to $6,000 (Comprehensive, Annual Multi-Trip) — can cover most, if not all, of your liability.

(Even if you’re covered by us, you should still read your rental car agreement, so you’re aware of its terms and conditions and any exclusions.)

Does travel insurance cover skiing?

For an additional premium, you can add optional Snow Sports Cover to your Budget Direct international or domestic travel insurance policy.

Among other things, Snow Sports Cover can insure you for snow sports equipment, ski packs, lift hire, and piste closures.

Read more about ski travel insurance

Can travel insurance be extended?

Yes – as long as you contact us at least two days before your single-trip policy expires, you can extend your cover – just once, and for a maximum total duration of 12 months (90 days for travellers aged 66 to 100).

An Annual Multi-Trip policy is effective for 12 months, however each trip must last 30 days or less (if you plan on taking a longer trip, you’ll need to purchase another, single-trip policy).

Does travel insurance cover trip cancellation?

All Budget Direct travel insurance policies except Last Minute can cover the cost of cancelling (or amending) your trip due to an insured event. Read more

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