Travel insurance for New Zealand from USA

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Do you want to insure trip cost as well as the health of the traveler?


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Traveler's residence
Travelers (Age)
Trip cost($)/person

Trip start date
Trip end date

Travel insurance with trip protection coverage - Highlights

Trip cancellation

Reimbursement for loss of pre-paid, non-refundable payments.

Medical evacuation

Transportation to or between hospitals as needed.

Trip delay

Reimbursement of food and lodging expenses due to delay in travel.

Lost baggage

Pays sum for lost or delayed luggage by airline.

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Age & Citizenship
Start date
End date

Travel medical insurance with no trip protection - Highlights

Health care expenses

Covers medical costs for sickness or accidents during travel.

Doctor visit

Covers cost of clinic or doctor visit.

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

Medical evacuation

Transportation to or between hospitals as needed.

Repat of remains

Return of moral remains to home country or local burial.

Best travel insurance for New Zealand

USA travelers going to New York City will immerse themselves in the vibrant heart of the United States. The iconic "Big Apple" offers a mix of cultural diversity, world-renowned landmarks, and bustling city life. From the bright lights of Times Square to the tranquility of Central Park, New York City presents a captivating blend of experiences. Visitors can explore famous attractions such as the Statue of Liberty, Empire State Building, and Broadway theaters. The city's culinary scene is a delightful journey for food enthusiasts, offering a wide range of international cuisines. English is the primary language, making communication easy for American travelers. With its unparalleled energy and endless possibilities, New York City promises an unforgettable and dynamic urban adventure.

Travel insurance is highly recommended for US citizens traveling to New Zealand. Finding the best New Zealand travel insurance from USA on American Visitor Insurance is very easy. Travel insurance New Zealand typically includes medical coverage for illnesses or injuries, trip cancellation or interruption coverage, baggage loss or delay coverage, and emergency assistance services. Compare different international travel insurance for New Zealand plans on American Visitor Insurance and choose one that best suits your needs. Having travel insurance for New Zealand from USA ensures that you can enjoy their vacation with peace of mind, knowing they are financially protected and have access to support services if needed.

Steps to follow when traveling to New Zealand from USA

 Valid Passport: Ensure that your passport is valid for at least three months beyond your intended departure date from New Zealand.

 Visa Requirements: US citizens do not need a visa for short stays (up to 90 days) in New Zealand for tourism or business purposes. However, verify the specific visa requirements based on your citizenship and the purpose of your visit if you plan to stay longer.

 Travel health insurance: It's advisable to have comprehensive travel health insurance for New Zealand that covers medical expenses and emergency evacuation in case of unforeseen circumstances during your trip.

Tourist holiday insurance for New Zealand from USA

American traveler insurance including trip cancellation coverage

US citizens should consider buying travel insurance especially if traveling outside their home state. The travel insurance plans are designed for US vacationers with coverage for insuring the health of the traveler as well the trip expenses cost. Some examples of coverage benefits are trip cancellation, trip delay, Covid quarantine travel insurance, medical evacuation, injury of family member, travel companion or pet, theft of passport, traffic accident, inclement weather resulting in delay or cancellation of common carrier.

Travelers can also include the Cancel for Any reason (CFAR) travel insurance which gives travelers the option of cancelling their travel and recouping most of their non-refundable trip expenses. Travel insurance provides coverage in the following ways:
  1. Non refundable cost of the trip.
  2. Unexpected medical expenses of the traveler.
  3. Loss or damage to the insured’s possessions.
Following are the trip insurance plans:

International travel health insurance from USA

Visa free travel countries for US citizens

US expatriate insurance

Health insurance for U.S. expats is essential for providing access to quality healthcare while living abroad. Expatriates often need coverage that goes beyond what their domestic U.S. health insurance provides because most U.S.-based health insurance plans do not cover medical expenses incurred outside the United States.

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Travel insurance for US citizens

US citizens

US Citizens travelling both outside the US as well as within the country can get travel insurance coverage. US citizens travelling beyond 100 miles from their home can buy domestic travel insurance and US citizens travelling overseas can buy the best travel insurance. Travelling while it brings plenty of enjoyment also has an element of risk for sudden sickness or injury. The cost of healthcare is high and having good travel insurance is important.

The travel industry has been facing several challenges with the Covid pandemic, the Ukraine war, labor shortage in airline and airports along with severe adverse weather conditions. All these have brought about uncertainty amongst travelers, long airport security checks, delayed or cancelled flights, lost or delayed baggage, covid19 infections and Quarantine rules.

Due to these factors, even well planned itineraries may be forced to go through changes that may work out very expensive for the traveler with airline tickets, hotel stays or cruise bookings.Purchasing a popular Cruise travel insurance is recommended for a cruise holiday.

Many a time’s travelers can face circumstances that are completely out of travelers control. Travelers may face work related complications, health conditions of the traveler or family members that may force them to bring about a change in travel plans.In such situations travel insurance with cancel for any reason coverage benefit provides full flexibility to recoup the trip expenses.

US citizens travelling for a vacation should know that US Medicare and the domestic US health insurance provide little or no coverage outside US borders. While travelling, the health of the traveler is most important along with the cost of the trip itself. When older travelers are travelling any sudden illness and sickness may be a huge financial expense which will be covered by Travel insurance for US senior citizen travelers .US older travellers can also buy travel insurance with pre-existing conditions coverage for acute onset of pre-existing ailments which is prudent for senior citizens from US going abroad. The best travel insurance becomes the main cover for US citizens travelling away from the US and offers coverage to reduce the traveler’s expenses.

cruise ship

Best travel insurance for cruises

Going on a cruise vacation is truly exciting, however one must take suitable action to ensure that the cruise vacation is not a disappointment. Vacationers are likely to book for the cruise well in advance of the actual travel dates, and it is possible that one is not able to make the cruise as planned.

Best Cruise trip insurance ensures that vacationers can vacation investment should there be a disruption and one cannot make the cruise. Most cruises offers Cruise protection, but that is not the same as trip insurance for cruises.

A cruise protection usually gives vouchers for the traveler if they miss the cruise, but getting money back is not the norm, which is what trip insurance for cruises offer. Vacationers can shield themselves best by purchasing the Cancel for any reason travel insurance benefit. This gives the flexibility of cancellation the cruise vacation for any reason, and the traveler can get reimbursed up to 75% of the non-refundable trip expenses. The cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best cruise travel insurance plans.
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Best travel health insurance for USA visitors to New Zealand

US citizens traveling to New Zealand

New Zealand is one of the most popular global holiday destinations thanks to its clean image, pristine natural environment, spectacular scenery, thrilling adventure, unique culture, warm friendly people and excellent value for money. According to Tourism New Zealand's Visitor Experience Monitor research, US travellers are most satisfied with their New Zealand holidays, so much so that despite the long distance, over 250,000 US nationals visit New Zealand annually. What makes it additionally attractive is that it is summer in New Zealand during the winter months in the US and almost half of US tourists visit New Zealand's between the months of December to March.

us citizens visiting the new zealand

Like most international tourists, American tourists typically visit Auckland, Christchurch, Rotorua, Queenstown and Wellington. Other popular destinations include Waitomo Caves, the Bay of Islands, Aoraki/Mount Cook and Milford Sound. Most tourists explore the country by traveling long distances typically using coach lines or rental cars.

US tourists however should take care to buy good medical insurance for traveling in New Zealand. This is important since domestic US health insurance including Medicare provide little to no coverage outside US national borders.
Find the best Medical coverage for US travelers to New Zealand to satisfy your needs. Our customer support can be contacted at (877)-340-7910 or email us

Travel Medical Insurance for New Zealand, US tourist insurance New Zealand


US Expatriates Insurance

Worldwide travel health insurance for US Expatriates Know more

Older Travelers Insurance

US travel health insurance for older travelers Know more

Visiting USA Insurance

Travel insurance for residents from New Zealand visiting USA Know more

Travel insurance New Zealand for older US travelers with Medicare coverage

US senior citizens with Medicare need international travel insurance as Medicare offers limited or no coverage outside USA. Travelling to New Zealand will involve some risks especially for older travelers and the cost of medical evacuation and health care outside the United States is expensive. In this context it is important to buy good Medicare Supplemental international medical and travel insurance to New Zealand from usa.

Globehopper insurance offered by International Medical Group (IMG) is a travel health insurance plan specifically designed for US citizens and US permanent residents 65 years and older. The GlobeHopper Senior plan is very popular as it provides coverage up to $1 million for travelers less than 79 years and $100,000 for travelers more than 80 years old. The plan includes $2,500 cover for sudden unexpected recurrence of an existing medical ailment and $25,000 for emergency medical evacuation.

Travel insure offers two plans namely Intermedical and WorldMed Insurance where are listed below in the table.

Travel insurance to New Zealand from USA - FAQ's

Do visitors to New Zealand need medical insurance? Do I need travel insurance for New Zealand? Does New Zealand require travel insurance?

Even though it is not mandatory to have travel medical insurance for US travelers to New Zealand, however, since international travel has become more uncertain with disrupted flights and pandemic restriction, it is very important to buy good short term travel insurance from USA to New Zealand. This helps insure oneself against being forced to pay for unexpected expenses and healthcare facilities while on a vacation.

At American visitor insurance we offer travel insurance from US to New Zealand. US travelers can compare and buy the best travel insurance for New Zealand according to their unique requirements.

Is Covid travel insurance mandatory for New Zealand?

New Zealand Covid travel insurance requirements

Travel insurance for New Zealand is recommended during the covid as it is uncertain and if anything goes wrong during the travel like sudden sickness of trip delays, cancellation, baggage loss. Covid travel insurance for New Zealand will assure adequate coverage for most of the expenses. Following are the New Zealand travel insurance plans satisfying requirements for US citizens.

Travel Insurance Plans:
  • Safe Travels Voyager Insurance Offers quarantine travel insurance coverage for accommodations due to a covered Trip Delay $3,000/$250 per person per day (6 hours or more) is included in the basic coverage.
  • Safe Travels Explorer Insurance Offers Coverage for quarantine accommodation due to a covered Trip Delay $1,000/$150 per person per day (12 hours or more).
  • Travel SE Insurance Travel SE plan is a primary travel insurance that covers the quarantine due to a covered Trip Delay $2,000/$125 per person per day is included in the basic coverage.
  • Travel LX Insurance Travel LX plan offers primary travel insurance coverage for quarantine due to a covered Trip Delay $2,500/$250 per person per day is included in the basic coverage.
  • Trip Protector Insurance Offers travel insurance with quarantine coverage for accommodation due to a covered Trip Delay up to a maximum - $2,000 ($200 /day )(6 hours).

Does Medicare cover older Americans traveling to New Zealand? Does Medicare cover costs in New Zealand?

Medicare will not cover US citizens traveling to New Zealand. Medicare will cover eligible older Americans only within the US borders. All the 50 US states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, the Northern Mariana Islands, and American Samoa are considered part of the U.S and accept US Medicare. However, Medicare will not pay for health care services outside these US territories or traveling in a ship and when the ship is more than 6 hours away from the US port. The Medicare prescription drugs plan also does not offer coverage for the drugs purchased outside the United States.

Does New Zealand travel insurance cover covid19 illness ?

There are some USA Covid travel insurance plans available for travel to New Zealand that cover covid19 as a new illness. International travelers can compare best Covid travel insurance plans and buy it online. These US covid travel insurance plans are available for visitors from New Zealand to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.

Do US citizens need travelers health insurance in New Zealand?

If you are applying for the New Zealand visa, the consular authorities can ask you to have adequate travel insurance for New Zealand. However, even if not for being issued a visa, the fact that your domestic health insurance including US Medicare provides little coverage in New Zealand, it is important for US citizens to buy good travel insurance needed when visiting New Zealand

Which is the best travel insurance for New Zealand from USA?

Excellent question and we try hard to find the best answer to this question! Given the unique needs of different travelers there is not one New Zealand travel insurance plan that always works best for everyone. If you are a traveler with concerns about an existing medical conditions, then you will be looking at different plans as opposed to a different traveler without any life-threatening pre-existing condition. We endeavor to give the US citizens all relevant information so they can find the best travel medical insurance USA citizen to Australia and New Zealand.

Our medical insurance for traveling in New Zealand quote comparison tool helps US travelers compare different health coverage for US travelers to New Zealand based on price and coverage in an objective manner. If you want some more guidance, our licensed agents are here to help you with travel insurance with medical coverage traveling from the US to NZ!

Do US citizens need travel insurance for New Zealand from USA?

The regular US health insurance including Medicare provide little to no health insurance coverage outside US borders. International travel insurance provides health coverage and financial protection in case of unexpected events such as medical emergencies, trip cancellations or interruptions, lost baggage, or travel delays typically. Given that travel insurance usually costs only around 5% of the total trip cost, it is very logical for US citizens traveling overseas to buy the best travel insurance for New Zealand. Healthcare costs can be high in New Zealand, and travel insurance ensures that you have medical evacuation if needed and access to good medical assistance and treatment.

What does international travel insurance to New Zealand from USA cover?

The travel insurance coverage will vary depending on the policy and insurance provider, but it typically includes

  • Medical expenses: Coverage for emergency medical and dental treatment, hospital stays, and medical evacuation.
  • Trip cancellation or interruption: Reimbursement for non-refundable expenses if the trip is cancelled or cut short due to covered reasons, such as illness, injury, or unforeseen circumstances.
  • Baggage loss or delay: Compensation for lost, stolen, or damaged baggage, as well as reimbursement for essential items if your baggage is delayed.
  • Travel delays: Reimbursement for additional expenses incurred due to delayed flights or other travel disruptions.
  • Emergency assistance: 24/7 travel assistance services, including access to a helpline for emergencies, coordination of medical services, and help with lost documents.

How much does New Zealand travel insurance from USA cost?

The cost of travel insurance can vary depending on several factors, including the duration of your trip, your age, the level of coverage you choose, and any additional add-ons or options you select. On average, travel insurance for a US citizen visiting New Zealand can range from $50 to $200 for a week-long trip, which is between 5% to 8% of the trip cost. It is recommended to obtain quotes from different insurance providers on American Visitor Insurance to compare prices and coverage options.

Are pre-existing medical conditions covered by travel insurance to New Zealand from USA?

Coverage for pre-existing medical conditions can vary depending on the insurance policy. Some travel insurance plans offer coverage for acute onset of a pre-existing conditions, while others may exclude them. It is important to carefully review the policy details and any exclusions or limitations related to pre-existing conditions using the comparison facility available on American Visitor Insurance.

Is travel insurance mandatory for travel to New Zealand from USA?

Travel insurance is not mandatory for US citizens visiting New Zealand. However, even if not mandatory, travel insurance for New Zealand is highly recommended so as to have adequate coverage in case of unexpected travel or health related emergencies. Without travel insurance, you may be personally responsible for covering the costs associated with medical emergencies, trip cancellations, or lost belongings, which can be significant.

How do I choose the right travel insurance for my trip to New Zealand?

When choosing travel insurance for your trip to New Zealand, consider the following factors

  • Coverage: Look for a policy that provides comprehensive coverage for medical expenses, trip cancellations, baggage loss, and travel delays.
  • Policy limits: Ensure that the policy limits are sufficient to cover potential expenses, such as medical treatment or emergency evacuation.
  • Exclusions: Carefully review the policy's exclusions and limitations, particularly regarding pre-existing conditions and high-risk activities.
  • Cost: Compare the prices of different insurance providers while considering the coverage and benefits they offer.
  • Customer reviews and reputation: Research the insurance provider's reputation, customer reviews, and claim handling process to ensure reliability and customer satisfaction.

When buying travel health insurance for New Zealand, it is important to compare travel insurance policies from multiple providers to find the best coverage at the best price. This is achieved with ease at American Visitor Insurance, where prices and benefits of the different plans are displayed in an user friendly comparison tool. As a traveler, you should also carefully review the policy's brochure and understand the exclusions that are not covered.

Steps to buy
Travel insurance for New Zealand online

 1: Finding the available international travel insurance plans

Complete the travel insurance quote form by providing traveler details and the insurance requirements.

 2: Compare the different travel insurance options

Compare price and the benefits of the different travel insurance options to identify what fits your needs best.

 3: Buy the travel insurance USA you like best and review documents

Buy the plan that fits your needs and budget by using a credit card and completing the online application.

 4: Review the travel insurance plan documents received by email

Review the travel insurance policy documents received by email for coverage details and relevant contact numbers.

Step by step travel insurance

Factors that determine the cost of international travel insurance

Age of the traveler

The travel insurance price is directly proportional to the age of the traveler. The older the traveler and higher is the cost of the travel insurance.

Type of travel insurance

Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.

Medical maximum coverage and deductible options

The price of travel health insurance is directly dependant on the maximum medical coverage and inversely dependant on the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for travel health insurance in some countries (USA …) is more expensive than others.

Length of travel insurance

The longer the duration of visitor medical insurance required, the higher will be the cost.

Any add on benefits

Additional add-on benefits like adventure sports coverage will increase the cost of coverage.

Information for US Students going to New Zealand

New Zealand offers world class education to US students. There are around 3,700 US students going to New Zealand for their studies. The universities here offer many subjects for different degrees bachelors, masters and Doctorates. Science, Commerce and Humanities are the popular courses among US students. Some universities offers specialization courses in medicine, engineering and agriculture. The courses encourage practical experience by offering vocational training. New Zealand offer good job opportunities and makes an ideal study abroad destination for US students. Some popular universities include the University of Auckland, Auckland University of Technology, Victoria University of Wellington, Massey University, University of Otago.

Student insurance in New Zealand

Many US students also urge to study Maori language and its culture. Wananga is the education system in New Zealand that offers education and degrees based on Maori values, principles and art. US students need to however buy student health insurance in New Zealand. This cover expenses arising from unexpected medical emergencies.

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Travel health insurance for older US travelers (65+ years) visiting New Zealand

It is wonderful to see so many older Americans traveling to New Zealand. However while visiting New Zealand is exciting, US citizens should realise that Medicare and its supplements provide very little coverage outside US borders. There is a travel health insurance plan specifically designed for older American travelers. Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior as an affordable overseas travel medical insurance option for US citizens and US permanent residents 65 years and older. The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for coverage from 5 days to 365 days, or as a GlobeHopper Multi-trip plan which covers 12 months with a maximum of 30 days per each overseas trip. The GlobeHopper Senior plan is very popular since it provides coverage of $1 million up to the age of 79 years and $100,000 for travelers more than 80 years old. The plan includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition and $25,000 for emergency medical evacuation.

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Popular tourist destinations in New Zealand

Popular tourist destinations in New Zealand

Buy travel insurance for New Zealand

Ninety Mile Beach

The name is something of a misnomer as Ninety Mile Beach is actually 55 miles long which golden sand and most serenely beautiful beaches in the North Island.

Buy visitor insurance for New Zealand

Milford Sound

Milford Sound is a fiord in the southwest of New Zealand’s South Island. It’s known for towering Mitre Peak.

New Zealand travel insurance

Huka Falls

The Huka Falls are a set of waterfalls on the Waikato River that drains Lake Taupo in New Zealand.

Travel insurance New Zealand

Waitomo Caves

Waitomo is a village on the North Island of New Zealand. It’s known for its extensive underground cave systems.

Popular Ocean Cruises in New Zealand

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City in New Zealand

travel insurance for visiting New Zealand
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New Zealand - General information

  • map Location: SouthWestern Pacific Ocean
  • house Capital: Wellington
  • language Language: English, Māori
  • currency Currency: New Zealand dollar (NZD)
  • population Population: Around 4 million
  • calendar Best time to visit: December to February
  • map Vacation spots: Stewart Island, Nelson, Glacier Country, Napier, Rotorua, Paihia, Auckland, Fiordland.
Balance Scale

Trip insurance vs Travel health coverage vs Global medical insurance

Confused whether to buy trip, travel or global health insurance? Understand the differences!

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Embassy of New Zealand in United States

New Zealand Embassy in Washington

37 Observatory Circle NW, 20008, Washington DC, District of Columbia, USA




New Zealand Consulate in Salt Lake City, UT

1655 Linden Lane, Bountiful, UT 84010, Utah, Salt Lake City, USA



Best travel insurance New Zealand, Trip Cancellation insurance for New Zealand links

Travel Insurance for New Zealand FAQ

FAQs about travel insurance for New Zealand travelers.

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New Zealand Travel Insurance Blog

Blog about travel health insurance New Zealand travelers.

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Travel Insurance to New Zealand Forum

Customer Queries for USA travelers to New Zealand travelers.

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US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

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