*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.
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.
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.
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.
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.
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.
Our Domestic and Domestic Cancellation plans are for New Zealand residents travelling within New Zealand.
More than one third of domestic travellers experience an unexpected circumstance that can leave them out of pocket.
It doesn’t matter if you were travelling to Auckland or Amsterdam, if your child becomes unwell and you need to cancel your trip, it’s good to know you’re covered.Specific terms, conditions and exclusions apply to Covid-19. See our State Travel Policy Wording for full details.
Here are some examples of real-life stories
Here are some examples of types of claims
*Pre-existing medical conditions must be declared, and extra cover purchased under Domestic Plan prior to departure
Your cancellation costs prior to travel
Cancellation prior to departure will result in the loss of deposits paid and in other instances full cancellation fees often apply.
We offer 3 Domestic plan options to choose from and these can be purchased quickly and easily on our website.
Domestic plan (Single Trip Policy or Annual Multi-Trip Policy)
Our Domestic plan (Single Trip Policy and Annual Multi-Trip Policy) is our most comprehensive domestic plan.
The Domestic plan Annual Multi-Trip Policy is sometimes a more suitable option for those travellers who are planning to travel more than twice this year and for no longer than 30 days at a time within New Zealand
Domestic Cancellation plan Single Trip Policy
Our Domestic Cancellation plan covers domestic travellers for cancellation cover only and you choose the cancellation cover limit to best meet your needs when you purchase your policy.
There are plenty of fun activities to do around New Zealand year round, and we have a comprehensive list of activities which are covered under our Domestic plans (excludes Domestic Cancellation Plan).
Our plans automatically include:
Other activities may be covered as an add-on to your Domestic plan (excludes Domestic Cancellation plan). See our State Travel Policy Wording for full details.
Because being on the snow and participating in winter sports activities often increases the risk of injuries or incidents, you'll need to ensure you amend your Domestic plan (excludes Domestic Cancellation plan) to include snow activities like skiing and snowboarding by purchasing a winter cover (snow sports) upgrade. This can help protect you against unforeseen costs should you have a mishap on the slopes and need medical assistance. Sporting and ski equipment are not covered whilst in use and if you are a New Zealand citizen, ACC may cover some costs due to injury.
You will only be covered if you have purchased the Domestic Plan with the winter cover (snow sports) upgrade and:
Note: sporting and ski equipment are not covered whilst in use.
Multi-trip travel insurance may save you time and money. If you are planning to travel more than twice this year and for no longer than 30 days at a time within New Zealand, consider our Domestic Plan Annual Multi-Trip Policy.
This benefit applies to our Domestic Plan (excludes Domestic Cancellation Plan) and covers the rental vehicle excess if your rental vehicle is stolen, or damaged while you are driving, you still need to take out rental vehicle insurance.
A $4,000 rental vehicle excess cover can save you money if you need to make a claim.
Note: that your rental agreement may still require you to take out rental vehicle insurance.
If you are driving your personal vehicle on your domestic holiday there is bonus cover of $2,500 for your comprehensive vehicle insurance excess.
Our Domestic Plan*(excludes Domestic Cancellation Plan) can provide you with cover for unexpected medical and dental expenses up to $1,500. This is for treatment provided in New Zealand.
It only applies up to 12 months from when you suffered a disabling injury, sickness, or disease. Travel insurance protects you from unforeseen events. Routine medical or dental treatments, prenatal visits and continuation of treatments are not covered.
We automatically cover a range of existing medical conditions (EMC) under the Domestic plan (excludes Domestic Cancellation Plan). Automatically covered conditions include - asthma, epilepsy, gastric reflux and more! Read the State Travel Policy Wording for a full list of the conditions we automatically cover. If your existing medical conditions are not all automatically covered, you may complete an online medical assessment to determine if cover is available. Other travel insurance benefits unrelated to your EMC still apply, even if cover cannot be provided for your specific condition/s.
See https://www.state.co.nz/blog/covid19 for the most up to date information.
*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.
State Travel Insurance is underwritten by Zurich Australian Insurance Limited ("ZAIL") incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. For further information see Zurich New Zealand's financial strength rating. Limits, conditions and exclusions apply. IAG New Zealand Limited ("IAG"), of which State is a business division, is not the insurer. IAG receives a commission for the issue of State-branded travel policies arranged through Cover-More (NZ) Limited ("Cover-More"). Cover-More administers the policy and acts on behalf of Zurich New Zealand. IAG does not guarantee Zurich New Zealand or Cover-More.