For travelers from other countries, a trip to New Zealand can seem otherworldly. The nation’s geographic isolation for tens of millions of years has made it home to unique plants and animals that are found nowhere else on earth, and its natural beauty has resulted in it being the setting for many of your favorite films.

But if you think New Zealand is all kiwi birds and hobbit movie sets, you’re missing out. There are unique and interesting cities like Auckland and Wellington, exciting adventure activities, and jaw-dropping landscapes that await you here. All you need is the right travel medical insurance or travel insurance, and you’ll be ready to go.

Travel Medical Insurance for Travelers in New Zealand – FAQs

Health insurance is important no matter where you are. And although New Zealand offers free or subsidized healthcare to residents, this is not available to you as a tourist. If you need medical treatment while on a trip to New Zealand, it’s going to cost you. To control just how large that bill can be, make sure you have travel medical insurance.

Do I need travel medical insurance for New Zealand?

There is no legal requirement to purchase travel medical insurance to visit New Zealand, but this does not mean you should forego having it. The country has excellent hospitals and doctors, but they will not be inexpensive. If you become sick or injured, you will need travel medical insurance to protect your bank account from massive medical bills.

Why buy travel medical insurance before traveling to New Zealand?

The risk of getting sick or injured doesn’t take a holiday just because you do. You’re just as likely – and perhaps even more so – to get hurt or become ill in a foreign country as you are at home. When you’re out sightseeing, trying new experiences, and eating unfamiliar food, the chance of a health complication only increases. Since you can’t completely eliminate the health risks, mitigate the financial risk of medical treatment abroad with travel health insurance.

Trip Cancellation Insurance for Travelers in New Zealand – FAQs

New Zealand is fairly isolated from the rest of the world. The flights there are often expensive, and must be booked in advance. The same can be said for hotels, event tickets, and tours. With so much money invested in your trip ahead of time, it’s important to protect yourself in case your trip needs to be cancelled. The answer is trip cancellation insurance.

Why should I get trip cancellation insurance for my New Zealand travel?

If the COVID-19 pandemic taught us anything, it’s that plans can change in an instant. And while we all hope there are no more pandemic woes on the horizon, you could still get sick, have a family emergency, or experience some other calamity that forces you to cancel your New Zealand trip.

If this happens, you could stand to lose out on a lot of money. Most prepaid travel expenses are not refundable. The only way to give yourself the opportunity to be reimbursed for prepaid, nonrefundable travel expenses is with trip cancellation insurance.

What can be covered by trip cancellation insurance for New Zealand?

Even if everything goes as planned and your trip starts off well, the benefits of New Zealand travel insurance can still assist you along the way. In addition to trip cancellation coverage, most plans can offer coverage for instances including:

  • Travel delay – The extra expenses you incur due to an unplanned delay during travel.
  • Trip interruption – For if you need to cut your trip short or put it on pause for a covered reason.
  • Emergency medical care – Because accidents happen.
  • Lost baggage – To help you get reimbursed for essentials that don’t arrive when your flight does.
  • Cancel for any reason coverage – For situations where you may need to cancel your trip that aren’t covered by standard travel insurance.

New Zealand’s Most Popular Places for Travel

New Zealand is a captivating place with bountiful natural beauty. You could spend a year here and not see even a fraction of the sites. However, if we were to pick just five to put on your itinerary, they would be these:

Fiordland National Park and Milford Sound

Located on the South Island, this UNESCO World Heritage site boasts incredible fjords carved out by glaciers over millions of years. You can explore lush rainforests, commanding mountain peaks, crystal-clear lakes, and peaceful islands off the shore. Sea kayaking and hiking are two of the most popular activities here, including the famous Milford Track hike. Be sure your camera’s memory card has plenty of space before visiting, because you’re going to take a lot of pictures.


New Zealand’s capital should be on every itinerary. Its location between forested hills and peaceful bays, and unique combination of attractions make it a must-visit. While in Wellington, take the Wellington Cable Car for panoramic views of the city, explore Weta Cave to see sets from movies like Avatar and the Lord of the Rings trilogy, and see unique wildlife such as the iconic kiwi bird and tuatara at the Wellington Zoo.


The earth literally bubbles in Rotorua, one of the most active geothermal locations on the planet. Put on your hiking boots to explore steaming geysers, bubbling mud pools, thermal springs, and calderas. But there’s much more to do here than just sightsee. You can also try your hand at mountain biking, fishing, and even skydiving, if you’re brave enough!


The largest city in New Zealand offers a more urban feel, but is still an outdoor paradise. The Hauraki Gulf is perfect for water sports like fishing, sailing and scuba diving, and Woodhill Mountain Bike Park is ideal for the singletrack enthusiast, with over 50 trails available for all skill levels. If you’re ready for some culture, catch a performance at the Royal New Zealand Ballet, or learn about New Zealand’s history at the Auckland War Memorial Museum.


Situated in sunny Hawke’s Bay on the North Island, Napier is adorned with art deco buildings that were constructed in the 1930s after an earthquake destroyed the original town. Today, it’s home to numerous gourmet restaurants, farmer’s markets, and quiet streets to explore. Napier is an ideal couple’s getaway in New Zealand.

Key Guidelines for Travelers in New Zealand

So long as you take appropriate measures if participating in any hazardous sports, New Zealand is a remarkably safe country to visit. However, there are still certain things you should keep in mind during your visit.

Petty Crime

New Zealand does not experience a high crime rate, and visitors do not need to take more than general precautions. Perhaps the most common crime is theft from vehicles; particularly rental cars and RVs. Your best bet is to never leave your possessions in a vehicle, even if it’s locked and they’re out of sight. Take any important items with you, or leave them locked securely in your hotel.

Road Conditions

It’s common to rent a car to explore New Zealand, and road conditions are generally safe, so long as you’re familiar with driving on the left. However, keep in mind that many routes are very hilly and winding, with narrow lanes and steep drop-offs. Drive very carefully, and obey all traffic laws.

Nature’s Fury

New Zealand is located along the “Ring of Fire,” an active seismic zone that stretches all the way to South America. As such, earthquakes, tremors, and volcanic eruptions are possible. These can cause landslides and closed roads, so be sure to pay attention to local media and authorities to stay safe.

New Zealand can also experience tsunamis and tropical storms. Thankfully, each hotel room should have detailed instructions about evacuation routes, contact information for local authorities, and other important information to follow in case of a storm.


New Zealand removed most COVID-19 restrictions in September, 2022. There are no longer any vaccination or testing mandates for incoming travelers. However, masks are still required in a few settings, and rules are subject to change at any time.

Before You Travel to New Zealand – Do This

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Visiting USA?

Healthcare costs are very high in the U.S.

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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You are not eligible to enroll in Medicare for the first 5 years.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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Most schools require international students to purchase health insurance.

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