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Inbound Travel Insurance Cover

Travel insurance for your trip to New Zealand

Are you wanting to visit New Zealand? Our Inbound Plan provides travel insurance for non-New Zealand residents travelling to New Zealand. Discover our country’s beautiful natural landscapes or soak up the culture in our cities. From the Sky Tower in Central Auckland to Milford Sound, there is so much calling you to this part of the world. Check out our inbound travel insurance FAQs page for more information.

Does an Inbound Plan suit me?

We offer inbound travel insurance cover for non-New Zealand residents travelling to New Zealand. Our Inbound Plan can protect your trip if you are 69 years old or younger.

Are you visiting a few countries along the way? That’s okay! As long as you spend the majority of your time in New Zealand, we can cover your other destinations too. This means that if you’re travelling to Australia or anywhere else in between as well as New Zealand, we can cover your entire trip. From the moment you leave your door until you return home, we can protect your travel adventures.

Keep in mind that some of our COVID-19 benefits are only included in the Inbound Plan while travelling in New Zealand, and do not cover other countries you may visit during your trip. Read the Policy Wording for full terms and conditions, and exclusions.

Find out how affordable coverage can be and get a travel insurance quote online today.

Popular policy benefits

Travel can be an incredible experience but make sure your trip to New Zealand is protected. You don’t want to be left out of pocket in case something goes wrong. Our inbound policy benefits include:

Policy Benefits Inbound Plan
Maximum benefits limits (per adult)
Overseas medical expenses (includes medical expenses in New Zealand) $1,000,000~
Overseas dental expenses $1,500~
Additional expenses $Unlimited
Amendments or cancellation costs $Cover chosen^
Luggage and travel documents $25,000
Delayed luggage allowance $1,500
Rental vehicle insurance excess $10,000
Travel delay $2,000
Resumption of journey $5,000
Missed connections $3,000
Special events $2,000
Hospital incidentals $8,000
Hijacking $8,000
Loss of income $9,000#
Disability $25,000#
Accidental death $25,000#
Legal expenses $10,000
Personal liability $3,000,000
COVID-19 benefits As applicable. Read the Policy Wording for maximum benefit limits.

~Cover will not exceed 12 months from onset of the illness, condition or injury.
^Cover chosen applies per policy.
*Sub-limits apply. Refer to the Policy Wording.
•Item limit applies for any one item, set or pair of items including attached and unattached accessories. You may increase these items limits if you wish.
#The maximum liability collectively shall not exceed $25,000. Refer to the Policy Wording.


The quality of medical care in New Zealand is high - but costs can quickly add up! If you need help whilst on your trip, you have access to our 24-hour Emergency Assistance team. We can help you find the nearest medical facility and support you through the process.

Tailoring your policy

We understand that each trip is different - that’s what makes travelling so exciting. You are able to tailor our Inbound Plan to suit your budget and travel needs. Want to increase your coverage? No problem! You can tailor your policy to include activities such as snow sports. At Cover-More, we also give you the option to choose unlimited cancellation cover. If you are travelling with valuable items, then consider increasing your luggage limits to protect them. You can increase the luggage limit up to $10,000 per item. Keep in mind an additional premium may apply. Get a quote online to help you protect your New Zealand holiday.

How do I buy an Inbound Plan?

It’s great to hear you are interested in protecting your trip to New Zealand! Travel insurance is an important part of the planning process. Purchasing an inbound policy only takes a few minutes. When you visit our website, you will find our quote box where you enter your travel details which generates a quote.

Simply type ‘New Zealand Inbound’ in the destination section that asks where you are going. Enter in the dates of your entire trip, the current ages of all travellers and then select ‘No’ where it asks if all travellers live in New Zealand. Click ‘Get Quote’ and you’ll then be taken to the plan options page.

quote box example for inbound

You can now adjust the levels of cover to suit you. Select your excess amount from $0, $100, or $250. Consider tailoring your cover to include snow sports or choose the level of cancellation cover that suits you. If you are travelling with valuable items, you can also increase the luggage limit benefit up to $10,000 per item.

Continue entering your details and finalise your travel insurance policy. Our payment options include Visa or MasterCard. All payments are taken in New Zealand dollars.

Increase your luggage item limits

When you’re at home you look after your belongings, and when you travel it should be no different. Our Inbound Plan provides luggage cover up to $25,000, although be sure to check the Policy Wording as item limits apply. We can protect your camera and video camera up to $3,000, as well as your laptop or tablet computers up to $3,000. For other items, a benefit of up to $1,500 applies.

For higher valued items, you may want to consider increasing the item limits by paying an additional premium. If you are increasing the cover limit for more than one item, the overall increase in limits cannot exceed $25,000. Keep in mind that you may be required to provide receipts or valuations for these items in the event of a claim.

Cover for existing medical conditions

Our Inbound Plan automatically covers a range of existing medical conditions. We can provide cover for common conditions including Gout, Hiatus Hernias, Raynaud’s Disease, and many more. Visit our existing medical conditions page to find out which medical conditions we can automatically cover and the coverage criteria. Alternatively, you can refer to our Policy Wording for further information. It is important to understand that we cannot provide cover under an inbound policy for any existing medical conditions outside of those offered automatically as part of the policy.

Rental vehicle excess cover

New Zealand has plenty of wide-open spaces for you to explore! A great way to get around is by hiring a rental vehicle and seeing where the road takes you. Our cover for rental vehicle excess also applies to campervans. Make sure you hold appropriate authority and licences to drive a car in New Zealand. In some cases, you will not only be required to have a driver's licence from your home country but you may also need an international driver's licence or permit. If you are thinking of hiring a vehicle during your trip, you will be pleased to know that rental vehicle excess cover is included in our Inbound Plan with benefits up to $10,000.

This cover applies if you:

  • hire a rental vehicle;
  • are the nominated driver on the rental vehicle agreement; and
  • have comprehensive motor vehicle insurance for the rental vehicle during the hire period.

It is important to note that we will not pay for:

  • Any damage or theft, arising from the operation of a rental vehicle in violation of the terms of the rental agreement.
  • Administration costs or loss of use penalties.

What are you waiting for? Start planning your trip to New Zealand now. Find out how affordable protecting your trip can be and get a quote online.

wellington new zeland

Protection for snow sports

If you are interested in skiing, snowboarding, or snowmobiling – you can find all of these activities in New Zealand during the winter months. When planning a trip to the slopes, make sure you add our Snow Sports Cover option to your inbound policy for an additional cost. You are protected provided you are on-piste, not racing, and not participating in a professional capacity.

Working holiday in New Zealand

Are you coming to New Zealand for a working holiday? It isn’t hard to imagine why you want to stay here for a while – New Zealand is an amazing country! Our travel insurance policies can protect your working holiday in New Zealand.

Working holidays are a great way to get a taste of local life. The New Zealand Government offers a working holiday visa. The visa allows young travellers to work and travel in New Zealand for up to a year or for 23 months if you’re from the UK or Canada! You usually need to be between 18 and 30 years old but up to 35 years old are accepted from a select few countries. It is a great opportunity to see the country and fund your trip through work. Popular types of jobs include farm work, fruit orchards and vineyard picking, working on a ski field, and working in bars or restaurants.

If you are coming to New Zealand for a working holiday, travel insurance is an important part of the process. Protect your finances and travel plans so you don’t have to hurry home early if something goes wrong. Get a quote online to see how affordable cover can be.

Why you should visit New Zealand

There are so many things to love about New Zealand. From the coastline to the slopes, you will find friendly people, beautiful scenery, and unforgettable experiences. Check out some of the highlights you can discover in New Zealand.

Hobbiton Movie Set

Whether you are a Lords of the Rings fan or not, no trip to the North Island would be complete without seeing the famous Hobbiton movie set. Experience the real Middle-earth as you partake in select tours of The Shire and end at The Green Dragon Inn. This is one of the most iconic sights to be found in New Zealand.

Central Queenstown

Surrounded by towering mountains and graced by the shores of Lake Wakatipu, on New Zealand’s South Island, lies Queenstown. Whether you’re a thrill seeker or mild-mannered person, this resort town offers the best of both worlds. From bungy jumping to winery tours, or simply taking in the stunning scenery, Queenstown has something for everyone.

Milford Sound

One of New Zealand’s most stunning natural attractions is Milford Sound. Cruising through this natural wonder, deep within Fiordland National Park, is a must-do on every New Zealand itinerary. By boat, kayak, or helicopter, you will experience the astonishing aesthetic of the fiord’s cliff face that surrounds the water below. Not only will the countless waterfalls take your breath away, but you’ll also see a range of intriguing wildlife. It’s a pure natural beauty just waiting to be seen.

Hitting the ski fields

New Zealand is known as one of the greatest skiing destinations across the globe. People travel from far and wide to take on the country’s exhilarating ski areas. Wherever you are in New Zealand, there will be a ski area within your vicinity. Whether you’re an avid skier or a beginner, a snow adventure in New Zealand is a holiday of a lifetime.

The city of Auckland

Much like Queenstown, the city of Auckland on the North Island has something to appeal to anyone. From vibrant nightlife to spectacular hikes, Auckland shares its world class city with surrounding natural wonders. With lots to see and do, Auckland is one of New Zealand’s largest and most diverse cities that is well worth your time.

Get in touch with us

Ready to protect your trip to New Zealand? Get a free quote online for an inbound policy to see how affordable it can be. You can contact us via email at [email protected].