Top NZ travel insurance companies compared (comprehensive)

1 Star2 Stars3 Stars4 Stars5 Stars (2 votes, average: 4.50 out of 5)
Loading...Loading...


We know that trying to compare travel insurance can be challenging. That’s why we’ve put together a more deatiled travel insurance comparison table that lets you quickly see each plan side-by-side to help make your choice easier. With our comprison table you can see exactly what you are getting so you can easily choose the cover which suits your travel needs and lets you compare what type of cover is included in each type of plan.

You can get a Travel Insurance comparison for the following plans: Single (less than 59yrs old) – 7 days – Basic Plan, Single (less than 59yrs old) – 7 days – Comprehensive Single (less than 59yrs old) -21 days – Basic Plan, Single (less than 59yrs old) – 21 days – Comprehensive Plan, Family- 7 days – Basic Plan, Family- 7 days – Comprehensive Plan, Family -21 days – Basic Plan and Family – 21 days – Comprehensive Plan. Following is a table of the benefits and their maximum limits.

Single (less than 59yrs old) – 7 days – Basic Plan

1CoverWorld NomadsStateSouthern CrossAA InsuranceTower
PriceWorldwide All Destinatins – 65
Europe – Europe, Russia and United Kingdom – 55
Asia excluding Russia, China, Hong Kong and Japan – 45
Pacific including Bali and Norfolk Island – 29
Australia / Asia Pacific – 46Most of the world (excluding USA, Canada, Antarctica, Greenland & New Zealand) – 51
Worldwide (including USA, Canada, Antarctica, Greenland, excluding New Zealand)-69
Australia and South Pacific – 40.80
All countries excluding the USA, Canada, Carribean, Europe, Japan and India – 88.81
Worldwide All Destinations – 110
Australia / South Pacific – 35World – 57.32
Super World – 111.15
Australia – 38
Europe / Asia (excluding China)/ Africa/ Middle East – 78Pacific Island, Norfolk Island, NZ – 52

UK, South Africa, South East Asia and Bali – 61
Worldwide – 95

Australia, Bali, Pacific Islands – 28.18
Worldwide except USA, Canada, Europe, Japan – 72.59
Worldwide All Destination – 85.40
Excess100100100100100100
Medical expenseunlimited5 mil4000unlimited250kunlimited
Dental Expense500500included5001500
Family Emergencyn/a
Resumption of Journeyn/an/a
Hospital cash allowancen/an/an/a
Accidental Death & Permenant disablementn/an/aincluded100kn/a50k
Loss if Incomen/a
Travel Documents/ credit card/ travellers checkn/a150075010005002000
Theft of Cashn/an/a7501000n/a500
Luggage and personal effectsn/a200020k25k500010k
Luggage and personal effects delay expensesn/a30015001000
Cancellation fees and lost depositsn/a3500100k5000unlimited
Travel Delay or Missed Connectionn/a500k500050k5002500
Alternative transport expenses / Resumption of Journeyn/a1500included5000
Liability protection5 mil1 milincluded1 mil500k2 mil
Domestic Petsn/a
Domestic servicesn/a
Rental Vehicle Excessn/an/aincluded500010002000
Funeral Expensen/a15k10k15k

 

 

 

Single (less than 59yrs old) – 7 days – Comprehensive Plan

1CoverWorld NomadsStateSouthern CrossAA InsuranceTower
PriceWorldwide All Destinatins – 69Europe – Europe, Russia and United Kingdom – 59

Asia excluding Russia, China, Hong Kong and Japan – 55

Pacific including Bali and Norfolk Island – 37
Australia -35

Australia / Asia Pacific – 71Most of the world (excluding USA, Canada, Antarctica, Greenland & New Zealand) – 78
Worldwide (including USA, Canada, Antarctica, Greenland, excluding New Zealand) – 91
Australia and South Pacific – 40.8All countries excluding the USA, Canada, Carribean, Europe, Japan and India – 88.81
Worldwide All Destinations – 110
Australia / South Pacific – 35
World – 57.32
SuperWorld – 111.15
Australia – 54
Europe / Asia (excluding China)/ Africa/ Middle East – 111Pacific Island, Norfolk Island, NZ – 74

UK, South Africa, South East Asia and Bali – 88
Worldwide – 135

Australia, Bali, Pacific Islands – 28.18
Worldwide except USA, Canada, Europe, Japan – 72.59
Worldwide All Destination – 85.40
Excess100100100100100100
Medical expenseunlimitedunlimited4000unlimitedunlimited
Follow on Medical treatment 2000
unlimited
Dental Expense500500included1000
as result of accident 3000
1500
Family Emergency50k
Resumption of Journey3000n/a
Hospital cash allowance500050004000
Accidental Death & Permenant disablement25k12500included100k50k50k
Loss if Income10400
Travel Documents/ credit card/ travellers check50001500750100030002000
Theft of Cash2502507501000500500
Luggage and personal effects50001000020k25k30k10k
Luggage and personal effects delay expenses25045015001000
Cancellation fees and lost depositsunlimitedunlimited100kunlimitedunlimited
Travel Delay or Missed Connection1000500k500050k15k2500
Alternative transport expenses / Resumption of Journey50001500included10k5000
Liability protection5 mil2.5 milincluded1 mil2.5 mil2 mil
Domestic Pets500
Domestic services500
Rental Vehicle Excess50003000included500060002000
Funeral Expensen/a15k25k15k
Kidnap or Hijacks2500included10k
Accompanying person costs20k

 

Single (less than 59yrs old) -21 days – Basic Plan

1CoverWorld NomadsStateSouthern CrossAA InsuranceTower
PriceWorldwide All Destinatins – 99Europe – Europe, Russia and United Kingdom – 85

Asia excluding Russia, China, Hong Kong and Japan – 75

Pacific including Bali and Norfolk Island – 47

Australia / Asia Pacific – 72Most of the world (excluding USA, Canada, Antarctica, Greenland & New Zealand) – 91
Worldwide (including USA, Canada, Antarctica, Greenland, excluding New Zealand)-120
Australia and South Pacific – 67.65All countries excluding the USA, Canada, Carribean, Europe, Japan and India – 154.81
Worldwide All Destinations – 184.14
Australia / South Pacific – 55World – 99

SuperWorld – 185.90

Australia – 62
Europe / Asia (excluding China)/Africa/Middle East – 156
Pacific Island, Norfolk Island, NZ – 86UK, South Africa, South East Asia and Bali – 114
Worldwide – 191
Australia, Bali, Pacific Islands – 48.11
Worldwide except USA, Canada, Europe, Japan – 123.93
Worldwide All Destination – 145.8
Excess100100100100100100
Medical expenseunlimited5 mil4000unlimited250kunlimited
Dental Expense500500included5001500
Family Emergencyn/a
Resumption of Journeyn/an/a
Hospital cash allowancen/an/an/a
Accidental Death & Permenant disablementn/an/aincluded100kn/a50k
Loss if Incomen/a
Travel Documents/ credit card/ travellers checkn/a150075010005002000
Theft of Cashn/an/a7501000n/a500
Luggage and personal effectsn/a200020k25k500010k
Luggage and personal effects delay expensesn/a30015001000
Cancellation fees and lost depositsn/a3500100k5000unlimited
Travel Delay or Missed Connectionn/a500k500050k5002500
Alternative transport expenses / Resumption of Journeyn/a1500included5000
Liability protection5 mil1 milincluded1 mil500k2 mil
Domestic Petsn/a
Domestic servicesn/a
Rental Vehicle Excessn/an/aincluded500010002000
Funeral Expensen/a15k10k15k

 

 

 

Single (less than 59yrs old) – 21 days – Comprehensive Plan

1CoverWorld NomadsStateSouthern CrossAA InsuranceTower
PriceWorldwide All Destinatins – 129Europe – Europe, Russia and United Kingdom – 99

Asia excluding Russia, China, Hong Kong and Japan – 89

Pacific including Bali and Norfolk Island – 59Australia -55

Australia / Asia Pacific – 101Most of the world (excluding USA, Canada, Antarctica, Greenland & New Zealand) – 111
Worldwide (including USA, Canada, Antarctica, Greenland, excluding New Zealand) – 146
Australia and South Pacific – 67.65All countries excluding the USA, Canada, Carribean, Europe, Japan and India – 154.81
Worldwide All Destinations – 184.14
Australia / South Pacific – 55
World – 99
SuperWorld – 185.90
Australia – 89
Europe / Asia (excluding China)/Africa/Middle East – 223
Pacific Island, Norfolk Island, NZ – 123
UK, South Africa, South East Asia and Bali – 163Worldwide – 272
Australia, Bali, Pacific Islands – 48.11
Worldwide except USA, Canada, Europe, Japan – 123.93
Worldwide All Destination – 145.8
Excess100100100100100100
Medical expenseunlimitedunlimited4000unlimitedunlimited
Follow on Medical treatment 2000
unlimited
Dental Expense500500included1000
as result of accident 3000
1500
Family Emergency50k
Resumption of Journey3000n/a
Hospital cash allowance500050004000
Accidental Death & Permenant disablement25k12500included100k50k50k
Loss if Income10400
Travel Documents/ credit card/ travellers check50001500750100030002000
Theft of Cash2502507501000500500
Luggage and personal effects50001000020k25k30k10k
Luggage and personal effects delay expenses25045015001000
Cancellation fees and lost depositsunlimitedunlimited100kunlimitedunlimited
Travel Delay or Missed Connection1000500k500050k15k2500
Alternative transport expenses / Resumption of Journey50001500included10k5000
Liability protection5 mil2.5 milincluded1 mil2.5 mil2 mil
Domestic Pets500
Domestic services500
Rental Vehicle Excess50003000included500060002000
Funeral Expensen/a15k25k15k
Kidnap or Hijacks250010k
Accompanying person costs20k

 

 

 

Family- 7 days – Basic Plan

1CoverWorld NomadsStateSouthern CrossAA InsuranceTower
PriceWorldwide All Destinatins – 114.76
Europe – Europe, Russia and United Kingdom – 102Asia excluding Russia, China, Hong Kong and Japan – 90.28
Pacific including Bali and Norfolk Island – 53.86
Australia / Asia Pacific – 90Most of the world (excluding USA, Canada, Antarctica, Greenland & New Zealand) – 100
Worldwide (including USA, Canada, Antarctica, Greenland, excluding New Zealand)-136
Australia and South Pacific – 81.6All countries excluding the USA, Canada, Carribean, Europe, Japan and India – 177.62
Worldwide All Destinations – 220
Australia / South Pacific – 66.51World – 108.9
SuperWorld – 211.18
Australia – 76
Europe / Asia (excluding China)/Africa/Middle East – 156Pacific Island, Norfolk Island, NZ – 104
UK, South Africa, South East Asia and Bali – 122
Worldwide – 190
Australia, Bali, Pacific Islands – 53.97Worldwide except USA, Canada, Europe, Japan – 139.01
Worldwide All Destination – 163.54
Excess100100100100100100
Medical expenseunlimited10 mil4000unlimited250k400k
Dental Expense5001000included5001500
Family Emergencyn/a
Resumption of Journeyn/an/a
Hospital cash allowancen/an/an/a
Accidental Death & Permenant disablementn/an/aincluded200kn/a50k
Loss if Incomen/a
Travel Documents/ credit card/ travellers checkn/a3000150020005002000
Theft of Cashn/an/a7501000n/a500 over 12 hrs1000 over 72 hrs
Luggage and personal effectsn/a400040k50k500010k
Luggage and personal effects delay expensesn/a60015001000
Cancellation fees and lost depositsn/a7000200k5000unlimited
Travel Delay or Missed Connectionn/a500k500050k5005000
Alternative transport expenses / Resumption of Journeyn/a3000included5000
Liability protection5 mil1 milincluded1 mil500k2 mil
Domestic Petsn/a
Domestic servicesn/a
Rental Vehicle Excessn/an/aincluded500010002000
Funeral Expensen/a30k10k15k

 

 

 

Family- 7 days – Comprehensive Plan

1CoverWorld NomadsStateSouthern CrossAA InsuranceTower
PriceWorldwide All Destinatins – 150Europe – Europe, Russia and United Kingdom – 110

Asia excluding Russia, China, Hong Kong and Japan – 110
Pacific including Bali and Norfolk Island – 70Australia -70

Australia / Asia Pacific – 140Most of the world (excluding USA, Canada, Antarctica, Greenland & New Zealand) – 154

Worldwide (including USA, Canada, Antarctica, Greenland, excluding New Zealand) – 180

Australia and South Pacific – 81.6All countries excluding the USA, Canada, Carribean, Europe, Japan and India – 177.62
Worldwide All Destinations – 220
Australia / South Pacific – 66.51World – 108.9
SuperWorld – 211.18
Australia – 108
Europe / Asia (excluding China)/Africa/Middle East – 222Pacific Island, Norfolk Island, NZ – 148
UK, South Africa, South East Asia and Bali – 176
Worldwide – 270
Australia, Bali, Pacific Islands – 53.97Worldwide except USA, Canada, Europe, Japan – 139.01

Worldwide All Destination – 163.54

Excess100100100100100100
Medical expenseunlimitedunlimited4000unlimitedunlimited
Follow on Medical treatment 2000
400k
Dental Expense5001000included1000
as result of accident 3000
1500
Family Emergency100k
Resumption of Journey6000n/a
Hospital cash allowance1000010k4000
Accidental Death & Permenant disablement50k25kincluded200k50k50k
Loss if Income20800
Travel Documents/ credit card/ travellers check10k30001500200030002000
Theft of Cash2502507501000500500 over 12 hrs1000 over 72 hrs
Luggage and personal effects10k20k40k50k30k10k
Luggage and personal effects delay expenses50090015001000
Cancellation fees and lost depositsunlimitedunlimited200kunlimitedunlimited
Travel Delay or Missed Connection2000500k500050k15k5000
Alternative transport expenses / Resumption of Journey10k3000included10k5000
Liability protection5 mil2.5 milincluded1 mil2.5 mil2 mil
Domestic Pets500
Domestic services500
Rental Vehicle Excess50003000included500060002000
Funeral Expensen/a30k25k15k
Kidnap or Hijacks5000included10k
Accompanying person costs20k

 

Family -21 days – Basic Plan

1CoverWorld NomadsStateSouthern CrossAA InsuranceTower
PriceWorldwide All Destinatins – 185.14Europe – Europe, Russia and United Kingdom – 166.78

Asia excluding Russia, China, Hong Kong and Japan – 145.36
Pacific including Bali and Norfolk Island – 83.76

Australia / Asia Pacific – 142Most of the world (excluding USA, Canada, Antarctica, Greenland & New Zealand) – 180

Worldwide (including USA, Canada, Antarctica, Greenland, excluding New Zealand)-238

Australia and South Pacific – 135.3All countries excluding the USA, Canada, Carribean, Europe, Japan and India – 309.62

Worldwide All Destinations – 368.28

Australia / South Pacific – 104.51World – 188.1
SuperWorld – 353.21
Australia – 62Europe / Asia (excluding China)/Africa/Middle East – 156

Pacific Island, Norfolk Island, NZ – 86
UK, South Africa, South East Asia and Bali – 114
Worldwide – 191

Australia, Bali, Pacific Islands – 92.14Worldwide except USA, Canada, Europe, Japan – 237.33
Worldwide All Destination – 279.21
Excess100100100100100100
Medical expenseunlimited10 mil4000unlimited250kunlimited
Dental Expense5001000included5001500
Family Emergencyn/a
Resumption of Journeyn/a100kn/a
Hospital cash allowancen/an/an/a
Accidental Death & Permenant disablementn/an/aincluded200kn/a50k
Loss if Incomen/a
Travel Documents/ credit card/ travellers checkn/a3000150020005002000
Theft of Cashn/an/a1500n/a1000
Luggage and personal effectsn/a400040k50k500020k
Luggage and personal effects delay expensesn/a6001500500 over 12 hrs1000 over 72 hrs
Cancellation fees and lost depositsn/a7000200k5000unlimited
Travel Delay or Missed Connectionn/a1 mil500050k5005000
Alternative transport expenses / Resumption of Journeyn/a3000included5000
Liability protection5 mil1 milincluded1 mil500k2 mil
Domestic Petsn/a
Domestic servicesn/a
Rental Vehicle Excessn/an/aincluded500010002000
Funeral Expensen/a30k10k15k

 

 

 

Family – 21 days – Comprehensive Plan

1CoverWorld NomadsStateSouthern CrossAA InsuranceTower
PriceWorldwide All Destinatins – 250Europe – Europe, Russia and United Kingdom – 190

Asia excluding Russia, China, Hong Kong and Japan – 170
Pacific including Bali and Norfolk Island – 110
Australia -110

Australia / Asia Pacific – 200Most of the world (excluding USA, Canada, Antarctica, Greenland & New Zealand) – 220

Worldwide (including USA, Canada, Antarctica, Greenland, excluding New Zealand) – 290

Australia and South Pacific – 135.3All countries excluding the USA, Canada, Carribean, Europe, Japan and India – 309.62

Worldwide All Destinations – 368.28

Australia / South Pacific – 104.51World – 188.1

SuperWorld – 353.21

Australia – 178Europe / Asia (excluding China)/Africa/Middle East – 446

Pacific Island, Norfolk Island, NZ – 246
UK, South Africa, South East Asia and Bali – 326
Worldwide – 544

Australia, Bali, Pacific Islands – 92.14Worldwide except USA, Canada, Europe, Japan – 237.33

Worldwide All Destination – 279.21

Excess100100100100100100
Medical expenseunlimitedunlimited4000unlimitedunlimited
Follow on Medical treatment 2000
unlimited
Dental Expense5001000included1000
as result of accident 3000
1500
Family Emergency100k
Resumption of Journey6000100kn/a
Hospital cash allowance500010k4000
Accidental Death & Permenant disablement50k25kincluded200k50k50k
Loss if Income20800
Travel Documents/ credit card/ travellers check10k30001500200030002000
Theft of Cash25025015005001000
Luggage and personal effects10k20k40k50k30k20k
Luggage and personal effects delay expenses5009001500500 over 12 hrs1000 over 72 hrs
Cancellation fees and lost depositsunlimitedunlimited200kunlimitedunlimited
Travel Delay or Missed Connection2000500k500050k15k5000
Alternative transport expenses / Resumption of Journey50003000included10k5000
Liability protection5 mil2.5 milincluded1 mil2.5 mil2 mil
Domestic Pets500
Domestic services500
Rental Vehicle Excess50003000included500060002000
Funeral Expensen/a30k25k15k
Kidnap or Hijacks500010k
Accompanying person costs20k

Author: nzbackpacker

Share This Post On

1 Comment

  1. Very comprehensive. Any comparison for up to 6 months travelling in South America?

    Thank you!

Submit a Comment

Your email address will not be published. Required fields are marked *