Travel Insurance


*Discount applies to existing State customers and to premiums for the standard policies net of Government levies and GST (if applicable). Discounts do not apply to premiums for cover additional to standard policies or to any minimum premium.

Important information: The Policy Wording and our Covid-19 Hub includes specific information on how State Travel Insurance will respond to claims related to Covid-19.

A range of options for your domestic or overseas travel

  • Overseas cover & annual multi-trip cover

    Overseas cover & annual multi-trip cover

    Your back up when going across the ditch or further afield.

    Our cover includes medical and dental expenses* loss or theft of luggage, delayed travel and more. You can also select cover for travel related expenses if you need to change or cancel your trip.

    Travel a lot? Take out our annual multi-trip option and you’re covered for as many trips as you like, for 12 months.**

    See https://safetravel.govt.nz/ for the latest government advice regarding overseas travel.

  • Anywhere NZ cover

    Anywhere in NZ

    Domestic Cancellation
    Covers changes and cancellations outside of your control before you leave and extra expenses due to unforeseen circumstances while you're away. You choose the cover amount.

    Domestic Plan
    Comprehensive cover that also includes lost luggage, medical and dental expenses, and rental vehicle excess cover.

    Inbound Cover Visiting NZ
    If you are a non-resident visiting NZ our Inbound policy can cover medical and dental expenses, luggage and travel documents, rental vehicle insurance excess and personal liability.

  • Annual multi-trip cover

    Travel Cover
    During Covid-19

    Travelling Overseas? Check out our handy scenario-based FAQs explaining how we could cover you if Covid-19 plays havoc with your trip: State Travel Cover and Covid-19 FAQs

    Know before you go – our Covid-19 Benefits Destination Guide explains how State Travel cover applies when travelling to different international destinations: Covid-19 Benefits Destination Guide

    Stay up to date with the latest developments affecting Travel cover via our Covid-19 information hub.


*Medical cover will not exceed 12 months from onset. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to the Inbound Plan.

**For 12 months, over 100km from home, including domestic travel, up to maximum number of days per journey as selected by you.

The policy type you choose changes what you are covered for.

International
Single Trip or Annual Multi-Trip
Limit per adult unless stated otherwise
Domestic
Single Trip or Annual Multi-Trip
Limit per adult
Domestic Cancellation
Single Trip
Limit per person
Medical and dental expenses
$Unlimited*
Up to $1,500 for emergency dental expenses
Up to $1,500*



Additional expenses
$Unlimited
Up to $10,000
Cover chosen
(choose the amount of cover that suits, on a per person basis)#
Amendment or cancellation costs
Cover chosen^
Up to $10,000
Cover chosen
(choose the amount of cover that suits, on a per person basis)#
Luggage and travel documents
Up to $25,000•
Up to $5,000•
Delayed luggage allowance
Up to $1,500
Money
Up to $500
Rental vehicle insurance excess
Up to $10,000
Up to $4,000
Up to $2,500 for personal vehicle insurance excess



Travel delay
Up to $2,000
Up to $750
Resumption of journey
Up to $5,000
Missed connections
Up to $3,000
Up to $3,000
Special events
Up to $2,000
Up to $2,000
Hospital incidentals
Up to $8,000
Hijacking
Up to $8,000
Loss of income
Up to $9,000~
Up to $1,000 per month
Up to $2,250~
Up to $250 per month

Disability
Up to $15,000~
Up to $10,000~
Accidential death
Up to $15,000~
Up to $10,000~
Legal expenses
Up to $10,000
Up to $5,000
Personal liability
Up to $2,500,000
Up to $200,000
This is only a summary of the benefits provided. Please refer to the Policy Wordings for details of the cover provided.

Not included

DISCLAIMER

Our State Travel Insurance Policy Wording contains benefits relating to the Covid-19 pandemic. While your Policy Wording may respond, your claim remains subject to the terms and conditions, limitations and exclusions set out in the Policy Wording. Please ensure you familiarise yourself with these in the Policy Wording before taking out travel cover. Further information is also available on our our Covid-19 information HUB. For Covid-19 cover to apply, you must not travel to a destination on the "Do not travel" list issued by SafeTravel.govt.nz.

Domestic Policy FAQ's


*Medical cover will not exceed 12 months from onset. Medical and dental expenses cover is limited to $1,500 for treatment provided in New Zealand. This $1,500 sub-limit does not apply to Inbound Plans.

Before you travel

Our phone lines are much busier than usual, so there may be a long wait.

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