New Zealand is the land that really has it all, from rugged and untamed national parks to world-class skiing slopes. North or South, you can visit world famous wineries, bathe in natural hot springs, or recreate the epic journey from The Shire to Mordor. Whether you’re looking for the adventure holiday of a lifetime, or to bask in the natural splendor the Islands have to offer, New Zealand is sure to impress every kind of traveller.

Cancellations and delays

Cover for cancellation fees and lost deposits on prepaid travel, accommodation, meals, tours and activities, and visas if your trip is cancelled due to an insured event; and travel delay expenses.

Overseas medical and hospital expenses

Unlimited amount for emergency medical, dental, surgical and hospital treatment and ambulance costs if you suffer an illness or injury on your international trip (excluding pregnancy and childbirth). 

Pre-existing medical conditions

Cover for 27 pre-existing medical conditions.

Travel documents, credit cards and traveller's cheques

Cover for replacing your passport, visas, travel money cards, traveller's cheques and credit cards if they're lost, stolen or damaged.

Rental vehicle insurance excess

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

Luggage and personal effects

Cover for the 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

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

Compare all travel insurance benefits, features and claim limits

Terms, conditions, limits and exclusions apply.

For full details, please read the Product Disclosure Statement.

Health and safety concerns for New Zealand

While you’re on holiday in New Zealand, remember to be respectful of the local culture and keep these travel tips in mind.

Driving hazards

Such spectacular scenery comes at a cost, driving conditions can be compromised by black ice, one way bridges and long windy roads.

Action sports

If you’re heading out for an action-packed trip of 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 health care understanding, not all medical conditions are covered while overseas.

Earthquakes and seismic activity

New Zealand is precariously situated over two different tectonic plates, meaning that it is particularly vulnerable to earthquakes, tsunami, storms, landslides, floods and volcanic activity.

Seismic activity can happen without warning, so knowing where disaster hotspots are can help you avoid trouble on your holiday. Staying up to speed with weather warnings will also help you to have an incident free trip.

Can I get extra coverage for
snow sports?

If you intend to ski, snowboard and/or ice-skate on your overseas trip and want to be insured against any costly mishaps, you may want to consider adding optional Snow Sports Cover to your Budget Direct travel insurance policy.

What to do before you leave for New Zealand

Expect the unexpected, stay ahead of trouble by following these three easy steps before you jet off on your adventure.

Check your flight status

Check your flight status

Stay up to date on flying conditions, delayed travel can end up costing you money on hotels and pre-planned activities at your destination.

Locate the Australian Embassy

Locate the Australian Embassy

Know where to get help if you find yourself in a sticky spot. The Australian High Commission is located in Wellington.

Ensure you are covered

Ensure you are covered

Cover all your bases with travel insurance that has your back in emergencies.

Overseas medical and emergency assistance

With Budget Direct travel insurance, you get access to a worldwide, 24/7 network of medical and emergency assistance providers.

These include multilingual medical and travel specialists, including about 500 doctors in 34 countries.

Read more about overseas medical and emergency assistance

Find out more

The information on this page is a summary only. For more details about travel insurance, including the terms, conditions, limits and exclusions that apply, please read the Product Disclosure Statement.

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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