Top NZ travel insurance companies compared (comprehensive)

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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

1Cover World Nomads State Southern Cross AA Insurance Tower
Price Worldwide 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
Excess 100 100 100 100 100 100
Medical expense unlimited 5 mil 4000 unlimited 250k unlimited
Dental Expense 500 500 included 500 1500
Family Emergency n/a
Resumption of Journey n/a n/a
Hospital cash allowance n/a n/a n/a
Accidental Death & Permenant disablement n/a n/a included 100k n/a 50k
Loss if Income n/a
Travel Documents/ credit card/ travellers check n/a 1500 750 1000 500 2000
Theft of Cash n/a n/a 750 1000 n/a 500
Luggage and personal effects n/a 2000 20k 25k 5000 10k
Luggage and personal effects delay expenses n/a 300 1500 1000
Cancellation fees and lost deposits n/a 3500 100k 5000 unlimited
Travel Delay or Missed Connection n/a 500k 5000 50k 500 2500
Alternative transport expenses / Resumption of Journey n/a 1500 included 5000
Liability protection 5 mil 1 mil included 1 mil 500k 2 mil
Domestic Pets n/a
Domestic services n/a
Rental Vehicle Excess n/a n/a included 5000 1000 2000
Funeral Expense n/a 15k 10k 15k

 

 

 

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

1Cover World Nomads State Southern Cross AA Insurance Tower
Price Worldwide 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
Excess 100 100 100 100 100 100
Medical expense unlimited unlimited 4000 unlimited unlimited
Follow on Medical treatment 2000		 unlimited
Dental Expense 500 500 included 1000
as result of accident 3000		 1500
Family Emergency 50k
Resumption of Journey 3000 n/a
Hospital cash allowance 5000 5000 4000
Accidental Death & Permenant disablement 25k 12500 included 100k 50k 50k
Loss if Income 10400
Travel Documents/ credit card/ travellers check 5000 1500 750 1000 3000 2000
Theft of Cash 250 250 750 1000 500 500
Luggage and personal effects 5000 10000 20k 25k 30k 10k
Luggage and personal effects delay expenses 250 450 1500 1000
Cancellation fees and lost deposits unlimited unlimited 100k unlimited unlimited
Travel Delay or Missed Connection 1000 500k 5000 50k 15k 2500
Alternative transport expenses / Resumption of Journey 5000 1500 included 10k 5000
Liability protection 5 mil 2.5 mil included 1 mil 2.5 mil 2 mil
Domestic Pets 500
Domestic services 500
Rental Vehicle Excess 5000 3000 included 5000 6000 2000
Funeral Expense n/a 15k 25k 15k
Kidnap or Hijacks 2500 included 10k
Accompanying person costs 20k

 

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

1Cover World Nomads State Southern Cross AA Insurance Tower
Price Worldwide 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
Excess 100 100 100 100 100 100
Medical expense unlimited 5 mil 4000 unlimited 250k unlimited
Dental Expense 500 500 included 500 1500
Family Emergency n/a
Resumption of Journey n/a n/a
Hospital cash allowance n/a n/a n/a
Accidental Death & Permenant disablement n/a n/a included 100k n/a 50k
Loss if Income n/a
Travel Documents/ credit card/ travellers check n/a 1500 750 1000 500 2000
Theft of Cash n/a n/a 750 1000 n/a 500
Luggage and personal effects n/a 2000 20k 25k 5000 10k
Luggage and personal effects delay expenses n/a 300 1500 1000
Cancellation fees and lost deposits n/a 3500 100k 5000 unlimited
Travel Delay or Missed Connection n/a 500k 5000 50k 500 2500
Alternative transport expenses / Resumption of Journey n/a 1500 included 5000
Liability protection 5 mil 1 mil included 1 mil 500k 2 mil
Domestic Pets n/a
Domestic services n/a
Rental Vehicle Excess n/a n/a included 5000 1000 2000
Funeral Expense n/a 15k 10k 15k

 

 

 

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

1Cover World Nomads State Southern Cross AA Insurance Tower
Price Worldwide 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
Excess 100 100 100 100 100 100
Medical expense unlimited unlimited 4000 unlimited unlimited
Follow on Medical treatment 2000		 unlimited
Dental Expense 500 500 included 1000
as result of accident 3000		 1500
Family Emergency 50k
Resumption of Journey 3000 n/a
Hospital cash allowance 5000 5000 4000
Accidental Death & Permenant disablement 25k 12500 included 100k 50k 50k
Loss if Income 10400
Travel Documents/ credit card/ travellers check 5000 1500 750 1000 3000 2000
Theft of Cash 250 250 750 1000 500 500
Luggage and personal effects 5000 10000 20k 25k 30k 10k
Luggage and personal effects delay expenses 250 450 1500 1000
Cancellation fees and lost deposits unlimited unlimited 100k unlimited unlimited
Travel Delay or Missed Connection 1000 500k 5000 50k 15k 2500
Alternative transport expenses / Resumption of Journey 5000 1500 included 10k 5000
Liability protection 5 mil 2.5 mil included 1 mil 2.5 mil 2 mil
Domestic Pets 500
Domestic services 500
Rental Vehicle Excess 5000 3000 included 5000 6000 2000
Funeral Expense n/a 15k 25k 15k
Kidnap or Hijacks 2500 10k
Accompanying person costs 20k

 

 

 

Family- 7 days – Basic Plan

1Cover World Nomads State Southern Cross AA Insurance Tower
Price Worldwide 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
Excess 100 100 100 100 100 100
Medical expense unlimited 10 mil 4000 unlimited 250k 400k
Dental Expense 500 1000 included 500 1500
Family Emergency n/a
Resumption of Journey n/a n/a
Hospital cash allowance n/a n/a n/a
Accidental Death & Permenant disablement n/a n/a included 200k n/a 50k
Loss if Income n/a
Travel Documents/ credit card/ travellers check n/a 3000 1500 2000 500 2000
Theft of Cash n/a n/a 750 1000 n/a 500 over 12 hrs1000 over 72 hrs
Luggage and personal effects n/a 4000 40k 50k 5000 10k
Luggage and personal effects delay expenses n/a 600 1500 1000
Cancellation fees and lost deposits n/a 7000 200k 5000 unlimited
Travel Delay or Missed Connection n/a 500k 5000 50k 500 5000
Alternative transport expenses / Resumption of Journey n/a 3000 included 5000
Liability protection 5 mil 1 mil included 1 mil 500k 2 mil
Domestic Pets n/a
Domestic services n/a
Rental Vehicle Excess n/a n/a included 5000 1000 2000
Funeral Expense n/a 30k 10k 15k

 

 

 

Family- 7 days – Comprehensive Plan

1Cover World Nomads State Southern Cross AA Insurance Tower
Price Worldwide 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
Excess 100 100 100 100 100 100
Medical expense unlimited unlimited 4000 unlimited unlimited
Follow on Medical treatment 2000		 400k
Dental Expense 500 1000 included 1000
as result of accident 3000		 1500
Family Emergency 100k
Resumption of Journey 6000 n/a
Hospital cash allowance 10000 10k 4000
Accidental Death & Permenant disablement 50k 25k included 200k 50k 50k
Loss if Income 20800
Travel Documents/ credit card/ travellers check 10k 3000 1500 2000 3000 2000
Theft of Cash 250 250 750 1000 500 500 over 12 hrs1000 over 72 hrs
Luggage and personal effects 10k 20k 40k 50k 30k 10k
Luggage and personal effects delay expenses 500 900 1500 1000
Cancellation fees and lost deposits unlimited unlimited 200k unlimited unlimited
Travel Delay or Missed Connection 2000 500k 5000 50k 15k 5000
Alternative transport expenses / Resumption of Journey 10k 3000 included 10k 5000
Liability protection 5 mil 2.5 mil included 1 mil 2.5 mil 2 mil
Domestic Pets 500
Domestic services 500
Rental Vehicle Excess 5000 3000 included 5000 6000 2000
Funeral Expense n/a 30k 25k 15k
Kidnap or Hijacks 5000 included 10k
Accompanying person costs 20k

 

Family -21 days – Basic Plan

1Cover World Nomads State Southern Cross AA Insurance Tower
Price Worldwide 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
Excess 100 100 100 100 100 100
Medical expense unlimited 10 mil 4000 unlimited 250k unlimited
Dental Expense 500 1000 included 500 1500
Family Emergency n/a
Resumption of Journey n/a 100k n/a
Hospital cash allowance n/a n/a n/a
Accidental Death & Permenant disablement n/a n/a included 200k n/a 50k
Loss if Income n/a
Travel Documents/ credit card/ travellers check n/a 3000 1500 2000 500 2000
Theft of Cash n/a n/a 1500 n/a 1000
Luggage and personal effects n/a 4000 40k 50k 5000 20k
Luggage and personal effects delay expenses n/a 600 1500 500 over 12 hrs1000 over 72 hrs
Cancellation fees and lost deposits n/a 7000 200k 5000 unlimited
Travel Delay or Missed Connection n/a 1 mil 5000 50k 500 5000
Alternative transport expenses / Resumption of Journey n/a 3000 included 5000
Liability protection 5 mil 1 mil included 1 mil 500k 2 mil
Domestic Pets n/a
Domestic services n/a
Rental Vehicle Excess n/a n/a included 5000 1000 2000
Funeral Expense n/a 30k 10k 15k

 

 

 

Family – 21 days – Comprehensive Plan

1Cover World Nomads State Southern Cross AA Insurance Tower
Price Worldwide 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
Excess 100 100 100 100 100 100
Medical expense unlimited unlimited 4000 unlimited unlimited
Follow on Medical treatment 2000		 unlimited
Dental Expense 500 1000 included 1000
as result of accident 3000		 1500
Family Emergency 100k
Resumption of Journey 6000 100k n/a
Hospital cash allowance 5000 10k 4000
Accidental Death & Permenant disablement 50k 25k included 200k 50k 50k
Loss if Income 20800
Travel Documents/ credit card/ travellers check 10k 3000 1500 2000 3000 2000
Theft of Cash 250 250 1500 500 1000
Luggage and personal effects 10k 20k 40k 50k 30k 20k
Luggage and personal effects delay expenses 500 900 1500 500 over 12 hrs1000 over 72 hrs
Cancellation fees and lost deposits unlimited unlimited 200k unlimited unlimited
Travel Delay or Missed Connection 2000 500k 5000 50k 15k 5000
Alternative transport expenses / Resumption of Journey 5000 3000 included 10k 5000
Liability protection 5 mil 2.5 mil included 1 mil 2.5 mil 2 mil
Domestic Pets 500
Domestic services 500
Rental Vehicle Excess 5000 3000 included 5000 6000 2000
Funeral Expense n/a 30k 25k 15k
Kidnap or Hijacks 5000 10k
Accompanying person costs 20k

Author: nzbackpacker

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3 Comments

  1. Laurence

    December 29, 2014

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

    Thank you!

  2. Natalie Ball

    October 12, 2016

    We are a relatively new travel insurance provider in the New Zealand market. It would be appreciated if you would kindly advise how we could have our product reviewed and added to your travel insurance comparison / guide.

    – We are very competitively prices
    – Cater for all ages and types of travellers
    – Offer a range of products from Basics to Comprehensive
    – We are underwritten by Certain Underwriters at Lloyd’s

    Best regards
    Natalie

  3. Natalie Ball

    February 6, 2018

    When was this comparison table put together as the pricing seems to be out of date? Perhaps you could add a footnote to make this clear.

    Additionally, what is the process to get another brand included in your comparison? I’d like to include travelinsurance.co.nz

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