Unlimited3 cover to help get you well or home. Plus, we can cover a range of pre-existing medical conditions.
Use code STATECUST and get 10% off travel insurance if you’re with State2.
Unlimited3 cover to help get you well or home. Plus, we can cover a range of pre-existing medical conditions.
If plot twists make you cancel, you may be able to claim for money back. Plus, you choose your level of cancel cover.
Skip steep rental vehicle excess fees. We cover up to $10,000 for eligible dings and theft.
Something stolen or MIA? We can help with replacements to get your trip back on track.
Two levels of international cover for NZ residents. Plus, choose single trip or annual multi-trip. Suss the specifics in the online quote process.
Our most comprehensive policy, giving you flexibility.
Cover for the essentials at a cheaper cost.
For one trip overseas. To one or multiple locations.
For unlimited trips overseas and within NZ up to the maximum trip length you choose.
Select cover option:
Single trip or annual multi-trip
Maximum limit per adult
Unlimited5
$1,5005
$1,5005
Unlimited6
Your chosen amount7
$25,0008
$1,5008
$500
$10,000
Single trip or annual multi-trip
Maximum limit per adult
Unlimited5
$1,5005
$1,5005
Unlimited6
Your chosen amount7
$4,0008
$6008
$250
Single trip or annual multi-trip
Maximum limit per adult
Single trip or annual multi-trip
Maximum limit per adult
$500
$250
$10,000
Select cover option:
$2,0008
$5,000
$3,0008
$2,000
$8,0008
$8,0008
$9,0009
$25,0009
$25,0009
$10,000
$3,000,000
Add-on required
See policy wording
$1,0008
$1,5008
$1,500
$2,0008
$4,5009
$5,0009
$5,0009
$2,500,000
Add-on required
$5,000
$2,000
$1,500
$10,000
$3,000,000
$2,500,000
Add-on required
Add-on required
This is a summary only. For a full list of the benefits as well as exclusions and other terms, read the policy wording.
For policies bought before 17 September 2025 refer to policy wording.
If you need a bit more cover, add on a cover variation.
Extend your policy benefits to multi-night sea cruises. Required if you’re travelling on an ocean or sea cruise for two or more nights.
Increase your cover for items like jewellery or video equipment.
Cover more extreme activities like skydiving, rock climbing, scuba diving, or high-altitude trekking.
Cover driving or being driven on a scooter or motorbike with an engine over 250cc.
Cover on-piste or off-piste skiing, snowboarding and heli-skiing.
No need for small talk. Claim online with Cover-More whenever and wherever you like. On a beach lounger, ideally.
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.
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.