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Travel New Zealand. Insured.

Kiwi travelling local? Cover curveballs like delays, driving dings, or done-in plans1.

Get a quote
Call us on 0800 500 325

With State? Get 10% off.

Use the promo code STATECUST and get 10% off travel insurance if you’re with State2.

Key perks and protections1.

Cancelled plans.

If plot twists make you cancel, you may be able to claim for money back.

Rental vehicle woes.

Skip steep rental vehicle excess fees. We cover up to $10,000 for eligible dings and theft. Driving your own car? We can cover your insurance excess up to $2,500, if your vehicle has comprehensive cover.

Interrupted or rerouted.

From flight flops to weather woes, we can cover trip blips. We may even help you reroute to make it to a wedding or work trip.

Sports included.

Be brave with cover included for NZ activities like bungy jumping, jet boating, and white-water rafting. Need more? Add-ons below.

Pick your insurance path.

Select the specifics in the online quote process.

Domestic single trip

For NZ residents going on a one-off trip within New Zealand.

Domestic annual multi-trip

For NZ residents who often travel locally3. Get cover for unlimited trips within 12 months (up to the maximum trip length you choose). One policy. Less admin.

Domestic cancellation

For NZ residents who want to cover cancellation costs Plus, some cover for additional costs incurred on trip for a coverable reason.

Get a travel quote

What's covered? Get the deets.

Select cover option:

Domestic

Domestic

For a single trip or annual multi-trip

Maximum limit per adult

Medical and emergency dental expenses

$1,5004

Additional expenses

$10,0005

Amendment or cancellation costs

$10,0005

Luggage and travel documents

$5,0005

Delayed luggage allowance
Money
Rental Vehicle insurance excess

$10,000

Bonus cover for self-drive holidays in New Zealand - personal vehicle insurance excess

$2,5007

Domestic Cancellation

Domestic Cancellation

For a single trip

Maximum limit per adult

Medical and emergency dental expenses
Additional expenses

Your chosen amount6

Amendment or cancellation costs

Your chosen amount6

Luggage and travel documents
Delayed luggage allowance
Money
Rental Vehicle insurance excess
Bonus cover for self-drive holidays in New Zealand - personal vehicle insurance excess

Domestic

Domestic

For a single trip or annual multi-trip

Maximum limit per adult

Domestic Cancellation

Domestic Cancellation

For a single trip

Maximum limit per adult

Medical and emergency dental expenses

$1,5004

Additional expenses

$10,0005

Your chosen amount6

Amendment or cancellation costs

$10,0005

Your chosen amount6

Luggage and travel documents

$5,0005

Delayed luggage allowance
Money
Rental Vehicle insurance excess

$10,000

Bonus cover for self-drive holidays in New Zealand - personal vehicle insurance excess

$2,5007

Select cover option:

Domestic

Domestic

Travel delay

$7505

Resumption of journey
Missed connections

$3,0005

Special events

$2,000

Hospital incidentals
Hijacking
Loss of income

$2,2508

Disability

$10,0008

Accidental death

$10,0008

Legal expenses

$5,000

Personal liability

$200,000

COVID-19 benefits

See policy wording

Domestic Cancellation

Domestic Cancellation

Travel delay
Resumption of journey
Missed connections
Special events
Hospital incidentals
Hijacking
Loss of income
Disability
Accidental death
Legal expenses
Personal liability
COVID-19 benefits

See policy wording

Domestic

Domestic

Domestic Cancellation

Domestic Cancellation

Travel delay

$7505

Resumption of journey
Missed connections

$3,0005

Special events

$2,000

Hospital incidentals
Hijacking
Loss of income

$2,2508

Disability

$10,0008

Accidental death

$10,0008

Legal expenses

$5,000

Personal liability

$200,000

COVID-19 benefits

See policy wording

See policy wording

See more policy benefits

Policy documents

This is just a summary. For a full list of the benefits, exclusions, and other terms, read the policy wording.
Standard excess may apply.

  1. Cover will not exceed 12 months from onset of the illness, condition or injury.
  2. Sub-limits apply. Refer to the policy wording.
  3. Cover chosen applies per policy. Refer to the policy wording.
  4. If covered under comprehensive vehicle insurance.
  5. Liability collectively for Sections Loss of Income, Disability and Accidental Death is $10,000 on the Domestic plan.

For policies bought before 17 September 2025 refer to policy wording.

Cover even more if you’re extra.

If you need a bit more cover, add on a cover variation.

For fancy stuff.

Increase your cover for items like jewellery, laptops, or cameras.

For thrill-seekers.

Cover more extreme activities like skydiving, rock climbing, scuba diving, or high-altitude trekking.

For vroomy motorbikes.

Cover driving or being driven a scooter or motorbike with engine over 250cc.

For snow-bunnies.

Cover on-piste or off-piste skiing, snowboarding and heli-skiing.

Your safety net. Phew.

24/7 emergency assistance.

New Zealand-based customer service.

Claim online. Anytime, anywhere.

Easy online claims.

No need for small talk. Claim online with Cover-More whenever and wherever you like. On a beach lounger, ideally.
Make an online claim

Travelling overseas?

Explore international insurance

Explore benefits

Backed-up by the goods.

Proud to be recognised as one of New Zealand’s most trusted travel insurers.

Committed to treating you fairly. Proudly displaying our Fair Insurance Code credentials.

The nitty gritty details.

  1. This is a summary only. Benefits may vary by plans. Adding extra cover to your base policy will incur additional costs. Limits, sub-limits, conditions, exclusions, and a standard excess may apply. Before deciding to buy this insurance, consider the Policy Wording.
  2. Discount applies to new State Travel Insurance policies taken out by existing State customers only, using the promo code STATECUST. Not available with any other offer. The discount is applied to the total premium paid, inclusive of any add-on or variations to cover made and taxes.
  3. Your destination must be more than 100 kilometres or more from Home, or Your trip must include at least one night paid accommodation booked with an accommodation supplier or provider (including a hotel, Bed & Breakfast (B&B), serviced apartment or peer to peer service such as Airbnb).

Insurance Disclaimer

Limits, sub-limits, conditions, and exclusions apply. Standard excess may apply.

State Travel insurance is administered by Cover-More NZ Ltd, underwritten and issued 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.

Any advice is general advice only. Consider the State Travel Policy Brochure and wording therein before deciding to buy this product. IAG receives a commission for the issue of State branded travel policies arranged through Cover-More (NZ) Limited ("Cover-More").

IAG New Zealand Limited ("IAG"), of which State is a business division, is not the insurer. IAG does not guarantee Zurich New Zealand or Cover-More.