If you want to make sure you’re fully covered for almost every possible contingency, you’ll find the most complete coverage with comprehensive travel insurance NZ coverage.

Comprehensive covers just about every facet of travel from trip cancellation, to lost luggage to an emergency flight home if needed.

We’ve compare comprehensive travel insurance plans for New Zealand residents below.

Policies and coverage can change at any time, without warning. This article is only intended as general advice. Please check your own policy carefully. Read the terms and conditions of policy wording and description of coverage to decide if the policy you choose is right for you.

All quotes are for 31 year old resident of New Zealand with no major health issues for a trip of 2 weeks to Australia.

What’s the most affordable comprehensive travel insurance NZ?

1Cover Travel Insurance ($47), Travel Insurance Direct NZ ($46), Worldcare ($49) and Compass ($49) were neck in neck as the most affordable comprehensive travel insurance we found.

1 Cover Comprehensive Travel Insurance

1Cover Travel Insurance is an Australian-based company with offices in Aukland, NZ.  You can learn more in our 1Cover Review.

The 1Cover Plan A Comprehensive had one of the lowest prices and highest limits for trip cancellation, baggage and emergency medical.

Cost: $47

One cover comprehensive travel insurance includes:

  • unlimited emergency medical insurance
  • unlimited trip cancellation
  • up t0 $15,000 baggage

You can get a quote on the 1Cover website or below.

Travel Insurance Direct NZ

Travel Insurance Direct is a New Zealand company that has offices across the country. You can check out our review of them here.

Cost for the comprehensive policy: $46

Includes:

  • unlimited emergency medical and trip cancellation
  • Up to $12,000 baggage insurance
  • $100 policy excess

You can get a quote on the Travel Insurance Direct website.

Worldcare Comprehensive Insurance

Worldcare travel insurance is based in New Zealand and has been offering insurance for over 10 years. Their policies are underwritten by underwritten by Allianz Australia Insurance Ltd.

Comprehensive plan cost: $49

Includes:

  • unlimited emergency medical
  • unlimited trip cancellation insurance
  • $25,000 luggage
  • $6,000 rental vehicle excess
  • $250 excess

Compass Comprehensive Insurance

Compass Travel Insurance is based in Auckland and is underwritten by ACE Insurance Limited (ACE).

Comprehensive plan cost: $49

Includes:

  • unlimited emergency medical
  • 10,000 trip cancellation insurance
  • $3,000 luggage
  • $3,000 in rental vehicle excess

Columbus Direct Comprehensive Insurance

Columbus Direct Travel Insurance started out in 25 years ago in the UK and branched out to New Zealand in 2001.

Comprehensive plan cost: $49

Includes:

  • $12.5 million emergency medical
  • 10,000 trip cancellation insurance
  • $6,000 luggage
  • $3,000 in rental vehicle excess



Travel Insurance - Columbus Direct

World Nomads

World Nomads is one of the most well known travel insurance companies in the world, best known for insuring backpackers and students on gap year adventures. You can find out more in our World Nomads review.

World Nomads is almost always one of the cheaper policies in our searches, but in this case their comprehensive insurance was one of the most expensive.

The Standard Plan Cost: $81 includes:

  • $5 million emergency medical
  • $3,500 cancellation
  • $2,000 baggage and personal effects
  • no rental vehicle excess

The Explorer Plan Cost: $101 includes:

  • unlimited emergency medical insurance
  • unlimited cancellation
  • $10,000 baggage and personal effects
  • $3,000 rental vehicle excess

How to Get a Quote

You can get a quote from World Nomads online, or just use the form below to get a quote directly from World Nomads.

World Escapade

World Escapade is a worldwide company that offers travel insurance to New Zealanders and residents of many other countries. World Escapade is based in Canada.

We’ve included them here for the sake of completeness, but their comprehensive plan was one of the more expensive we found.

Cost: $135 USD ($184.38 NZD at the time of writing)

Includes:

  • medical expenses 100% of actual costs
  • $2,000 USD trip cancellation
  • $2,000 USD baggage insurance

How to get a World Escapade Quote

Just go to the World Escapade website to get a free quote.

Downunder Travel Insurance

Downunder Travel Insurance (also called DUInsure), got its start in New Zealand in February 2000, but operated in the UK since 1992.

Plan A – Comprehensive International Cost: $59.54

Includes:

  • unlimited emergency medical insurance
  • $10,000 trip cancellation
  • $5,000 luggage and personal effects
  • You can add on $3,000 rental vehicle excess cover for an additional $3.57

You can get a quote online on the DUinsure website


Downunder Insurance

AA Traveller

AA Traveller is part of the The New Zealand Automobile Association Inc. Their policies are underwritten by Allianz Global Assistance New Zealand Limited.

Cost for the comprehensive policy: $65 ($58.50 if you’re an AA member)

Includes:

  • unlimited emergency medical and trip cancellation
  • Up to $30,000 baggage insurance
  • $200 policy excess
  • $6,000 rental vehicle excess

STA Travel

STA Travel (also called Start The Adventure) focus mostly on student travel, but they offer travel insurance packages.

Cost: $59

The STA Travel Comprehensive single trip plan includes:

  • unlimited trip cancellation
  • $12,000 baggage
  • no rental vehicle excess

Cigna Travel Insurance

Cigna New Zealand has operated in New Zealand for over 90 years, and they offer many types of insurance, including life and funeral insurance.

Comprehensive Plan (Non business) cost: $57.42

Includes:

  • unlimited emergency medical
  • 100,000 trip cancellation insurance
  • $20,000 luggage ($2,000 per item)
  • $2,500 in rental vehicle excess

The Bottom Line

For  full comprehensive travel insurance for a two week holiday to Australia, we came up with four companies whose prices were almost identical for comprehensive travel insurance NZ.

1Cover Travel Insurance ($47), Travel Insurance Direct NZ ($46), Worldcare ($49) and Compass ($49) were neck in neck as the most affordable comprehensive travel insurance we found.

Coverage was similar with 1Cover and Travel Insurance Direct NZ, though  1Cover offered $15,000 baggage, while Travel Insurance Direct was lower with $12,000 baggage insurance.

Of the other two, only Worldcare and Compass both offered unlimited emergency medical, but Worldcare offered higher trip cancellation insurance (unlimited vs $10,000) and higher luggage insurance (Worldcare: $25,000 luggage, Compass: $3,000 luggage).