travel insurance nz to thailand

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Travel Insurance For Thailand

With its endless summers, glorious coastlines, notorious full moon parties and a million and one culinary treats to ‘thai’, it’s no wonder that Kiwi's are drawn to Thailand each year!

Whether you’re pining for ‘real’ Pad Thai, or you’re tempted by temples, Thailand caters for every taste. Can't wait to ride an elephant or cruise down the Mekong? Thailand has it all.

Now we don’t like to think of holidays as risk taking ventures, but the truth is, new environments, unfamiliar territory, foreign languages and unfamiliar foods can throw any traveller for a loop.

Though it’s cheap food and exotic culture may lure in many a tourist, Thailand’s appeal can also be its downfall. Thai tummy, moped mishap or picked pockets can turn a dream destination into a miserable memory.

Don’t get banged up abroad- make sure you pack travel insurance on your Thai adventure.

Compare travel insurance for Thailand

Whether you're a budget conscious backpacker, a sucker for the surf, or a worn-out parent seeking some family R&R, it pays to compare travel insurance policies to find the right cover for your trip.

A policy will cover you for unexpected accident or illness, lost luggage or theft, unforseen trip cancellation and much more.

When comparing policies, it's important to consider benefits, as well as costs…

How much does travel insurance for Thailand cost?

The cost of travel insurance can vary enormously! Say you’re 30 (ish) years old and you’re going to Thailand for a one-week holiday. Depending on your preferred level of cover, you can expect to pay anywhere from $30 to $80 on our site. To give you an idea, we’ve outlined the costs of a couple of policies below;

Basic policies-$30 – $50.  If you’re looking for real low cost cover then Webjet's Medical policy covers Unlimited medical and $5 million personal liability only. The excess you must pay towards a claim is a bit punchy at $500!!

Comprehensive policies -$50-$80.  1Cover's   comprehensive policy offers generous cover with a low excess of $100. Their policy includes unlimited medical, unlimited cancellation, $5 million personal liability, $15,000 luggage, $25,000 accidental death, $5,000 hospital cash, $25,000 personal disability, $5,000 for travel documents and $50,000 travel expenses. *All prices accurate at time of writing Jan 2017.

What will my policy cover?

If your Thai trip takes a downward turn for any of the following reasons, comprehensive cover will throw you a rope. You can expect cover for:

• Medical : Food poisoning, drink spiking, malaria, and moped accidents are all scary possibilities in the Land of Smiles. Medical evacuation in Thailand can extremely costly and private hospitals often require a guarantee of payment before admission. Luckily, your policy will cover the exorbitant expense of overseas medical cover.  
• Cancellation fees and lost deposits : Thailand is prone to a range of natural disasters including volcanoes, earthquakes, tsunamis and floods. Travel insurance will cover unforeseen cancellations for events such as natural disasters, as well as accidents, hijackings, severe sickness or injury. Incidents that are beyond your control will usually be covered.  
• Luggage and personal effects : Theft is common in Thailand, particularly in popular backpacker destinations such as Khao San Road in Bangkok or the Full Moon Party on Koh Phangan. In addition to a rise in motorcycle handbag theft, it’s essential to keep your wits about you. Your travel insurance will reimburse you for lost, stolen or damaged luggage. Comprehensive cover also includes cover for theft of cash and travel documents too.  
• Personal liability:   If you injure someone or are held accountable for damaged property in Thailand the consequences could be disastrous, particularly when you are unfamiliar with local laws and regulations. In such an event, your policy will cover your liability costs to a degree.   
• Additional extras:  Each policy varies but look out for top notch extras such as cover for rental vehicle excess, permanent disability, loss of income, cover for kennels and catteries (if you’re delayed home to your fluffy friends) and more. 

What will my policy not cover?

• Riding risky:  Thai roads were recently declared the second ‘most dangerous in the world.’ Tragically, 80 lives are lost each day on the notoriously dangerous streets and plenty of those include tourists. If you’ve never ridden a scooter or motorbike, be warned that Thailand is not the place to learn! Keep in mind that your insurer will not cover you if you are found riding without a current New Zealand license (valid in the country you are in) or a helmet.   
• Fighting follies:  Fancy yourself a round or two in the ring in the birthplace of Muay Thai Boxing? A few bad blows could put a dent in your holiday budget (not to mention your morale)!  Any medical attention you require as a result of "professional" or dangerous martial arts wouldn't be covered.  Watch out for those nasty left hooks!  
• Unattended items : Keep a strong hold over all your belongings as leaving your stuff unsupervised will not be covered for. That also means not leaving your stuff with your brand new hostel chums.          
• Being intoxicated : Whether your drink of choice is a Singha or Mekong Whisky Bucket, all claims related directly to alcohol will not be paid. So have fun in moderation! Also the possession of even small quantities of "soft drugs" for recreational purposes can result in lengthy jail sentences. And when was a drunken tattoo ever a good idea? If you wake up and find yourself with a permanent Thai souvenir we apologise in advance. Any medical expenses on account of a dodgy tattoo expenses may not be paid.  
• Terrorism and travel warnings : The Smarttraveller website warns tourists to 'exercise a high degree of caution' in Thailand due to civil unrest and threat of terrorism.  While the chances of getting caught up in an act of terrorism are small, it’s still a good idea to keep up to date with travel advisories on sites like  safetravel.govt.nz.   Generally travelling against DO NOT TRAVEL warnings issued from the New Zealand will jeopardize your cover.   
• High risk activities:  Adventure activities are plentiful in Thailand. From scuba diving in Koh Tao, ziplining in Chang Mai, white water rafting Phang Na, or even elephant riding in the north...adrenaline junkies are sure spoilt for choice! But watch out, as participating in particularly risky activities  such as climbing (where ropes are needed), cliff jumping or sky diving may not be covered by your policy.  Be sure to scan your policy’s small print to check out which of your preferred heart pounding activities are covered.  
• Pre-existing conditions :  Medical conditions  that exist before you travel are generally not covered, but it pays to check. You can sometimes pay a bit extra to get some conditions covered. Check your policy wording to see what conditions are covered automatically, and which ones require a medical assessment first.
• Unreported items:  You need to report theft or loss to the relevant authority ASAP (and your travel insurance provider) within 24 hours.

How to save on travel insurance in Thailand

• Choose your destination wisely –  You might be able to save yourself a few Baht by finding an insurer that classes Thailand in its own price bracket, rather than grouped under Asia.  
• Consider how often you travel  - If you travel a few times per year, you could save by purchasing an  annual multi-trip policy  rather than purchasing a policy each time you take off.  
• Combine policies  - If travelling with your family or a companion, a  joint policy  is often cheaper than purchasing separately.  
• Increase your excess  - Most insurers allow you to lower your premium by opting to pay higher excess in the instance that you need to make a claim.  
• Shop around  - You'll be amazed at how much travel insurance quotes can vary. Offers by travel agents or airlines usually have commissions added on. In fact, you can save up to 50% by shopping around, so it pays to buy your travel insurance direct. Doing your comparison online will allow you to compare loads of quotes in seconds. Yippee

Thailand fast facts

Capital :Bangkok

Currency: Thai baht

Country code: +66

Language: Thai

"Thailand": Means land of the free. Thailand’s countless coastal islands are commonly preceded with the word Ko, meaning ‘island.’ For instance, it would be correct to refer to refer to ‘Phi Phi island’ as ‘Ko Phi Phi.

Culture: Bangkok's Grand Palace and Wat Prakeaw (Thailand’s most sacred Buddhist temple) are not to be missed. Thailand’s postcard worthy floating markets lure in thousands of hungry tourists while the UNESCO world heritage site of Ayutthaya Heritage City is noted for its vast, ancient culture.

Not to be missed: If you're up for a bumpy overnight adventure, hop on board a sleeper trains to the lush sanctuary of Chang Mai. Nestled in to the hills of Northern Thailand, the vibrant city offers up a wide array of activities from bamboo rafting to elephant riding, night markers and ancient temples. Diving buffs can’t miss the spectacular sea life of Koh Tao, while Koh Phi Phi’s breathtaking island beauty and non-stop party atmosphere can draw in over 10 0000 visitors a day. Last but not least, a trip to Thailand would not be complete without a stop in Bangkok. A city known for its contrasts; the hustle and bustle of Bangkok can be polarising- it’s breathlessly busy, consumerist driven, profoundly poor in parts but rich in an ancient, regal culture.

Nightlife: One of Thailand’s greatest drawcard is its thriving, diverse nightlife. Despite its sleazy reputation, Thailand’s party scene is hardly limited to strip clubs and go-go bars. You can watch the sun go down with a few beers at a beach-side bungalow; party with the masses at Ko Phang Ngan’s full moon parties or sip cocktails with trendy young things at a hip Bangkok bar. No matter what your taste, there’s something for every type of party animal.

Food & drink : If you like you food packed with flavour, you’re in luck. Much like its welcoming culture, Thailand’s cuisine is always warm, inviting and addictive! Spicy, salty, sweet and sour, every Thai dish relies heavily on its core ingredients; chilli, garlic, lemongrass, palm sugar, fish sauce and lime juice. Many swear that Thai street food is amongst the best and cheapest in the world. A few pennies at a street side stall can buy you the best pad thai or satay skewer you’ve ever had. So how to beat the dreaded food poisoning so many tourists fall prey to? It’s a tricky one but the following tips can keep you food safe in Thailand;

• Only eat at the most popular food carts, the turn-over rate is higher
• Only chose meals cooked in front of you and avoid pre-cooked food canteens
• Stay wary of uncooked dishes such as salads and only drink bottled water
• Wash unpeeled fruit with bottled water
• Use good judgement, for instance, steer clear of a stall that looks grimy and unclean.

Beaches: Sandy shores and turquoise blue waters are not in short supply in Thailand. Cetainly Phi Phi Island’s glorious coastlines are some of the country’s most popular. After Hollywood blockbuster The Beach, was shot on Maya Bay (one of Phi Phi’s most beautiful beaches) tourism to the area shot up. If crowds aren’t your thing you could head to Railay beach in Krabi, Kata Noi, Long Beach or Nai harn...and you won't be disappointed.

Safety speed dial

Found yourself in hot water? Should you find yourself a tad ‘thai’d’ up the following emergency contacts should set you straight.

Ready To Find Your Perfect Thai Travel Insurance Policy?

Stuff going wrong on holiday shouldn’t be your foremost concern when planning your trip. After all you’ve got an exciting itinerary to navigate! But like it or lump it, without safeguarding your travels, all the fun stuff could be nullified in the flash of an eye.

Compare Thailand travel insurance policies today to save time, worry and loads of money. You’ll be on your way to a relaxed, worry-free holiday quicker than you can say "pad thai".

Don't let travel hurdles thai you down!

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CoverDirect NZ Limited (INC 3526051) owns and operates this website.

Our comparison is a free service that makes it easy for users to compare multiple quotes, saving both time and money. Our comparison ranks quotes according to price and is limited to those insurers that have agreed to participate on the site. CoverDirect NZ Limited does not hold a financial services licence. The comparison does not take your personal circumstances into account; as such, all information provided should be considered general and should not be considered as advice or a recommendation. Whilst we take all reasonable care when preparing this information, we do not warrant its accuracy. Pricing information is supplied by the insurance providers and ALL policy details should be verified with the before you purchase. This site links users to the website of the insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase. We do not issue insurance. Users purchase directly from the travel insurance provider.

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Terrific Thailand

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Whether you're riding elephants in Chang Mai, learning to dive in Koh Tao or boogying in Bangkok, travelling on holiday to Thailand should be terrific, not tiresome. Our Thailand travel insurance policy will cover you for any unforeseen holiday hiccups such as trip cancellation, lost luggage, family emergencies and more! What are you waiting for? Zoom to it!

WHY BUY WITH ZOOM

emergency assistance

No matter where you are, we're there when you need us most. Our expert emergency assistance is available 24 hours a day, 7 days a week.

riding a scooter

At Zoom, you're covered to ride a motorbike or scooter of any engine size provided you are licensed to do so in New Zealand!

COVER for your luggage

Your stuff is precious and we get that. Take off on your Thai trip knowing your luggage is protected with Zoom.

Adventure activities

Whether you're snokelling in Koh Samui or diving in Phuket. Get cover for your fast paced activities with our adventure pack.

kids go free

Family trip to Thailand? Save your pennies as all dependants under 19 are included under your policy at no additional cost. Say what!?

Pregnancy cover

Planning a Bangkok babymoon? You can relax knowing you'd be covered all the way up to week 24 with no fuss.

easy claims

We've done away with lengthy forms and have kept our claims process simple. We guarantee to assess fully documented claims in a flash.

Peace Of Mind

Zoom to Zen. You can sit back and relax on your holiday knowing that you’re covered by award winning travel insurance.

THAILAND TRAVEL INSURANCE  FAQ'S

Am i covered in the event of a tsunami.

Yes, in the event that your holiday is directly affected by an unforeseen natural disaster you would be covered for cancellation, travel disruptions, additional accommodation expenses and lost deposits. Depending on the level of policy you purchased. However, in order to be covered you would need to have purchased a policy before news of the natural disaster hits the mainstream media.

Am I covered to ride a motorbike or scooter?

At Zoom, you're covered to ride a motorbike or scooter of any engine size provided you are licensed to do so in New Zealand. If you do not have a valid motorbike license then you can only ride a bike of 50cc using your New Zealand drivers license. You must also be wearing a helmet at all times.

Am I covered for Thai tummy, Malaria or Dengue fever?

As Thailand is a tropical country, there area few diseases you may be at risk of contracting. However, you can rest assured that all our policies cover you for Unlimited medical benefits if you were to fall ill. This includes access to hospitals, ambulance, doctors and evacuation and even repatriation home if required.

How do alcohol and drugs affect my cover?

When it comes to alcohol we advise you to drink in moderation. Please note that we may exclude any claims where excessive drugs or alcohol have been involved.

Am I covered for adventure activities?

We automatically cover a wide range of adventure sports including diving, bunjee jumping and horse riding and more. You can also buy our Adventure Pack to cover additional adventure sports. 

I have high value items; how much can I insure them for?

If you have an expensive item that you just can’t leave behind you can insure it separately for up to $5,000. Please note that high value item cover is only available under our comprehensive plan .

Am I covered for pick pocketing?

Yes, you’re covered for muggings provided of course, you were acting with reasonable care (i.e. did not leave your belongings unattended). If you’re the victim of a pickpocket, you’d be covered for loss, theft and damage to your luggage and personal effects. If you are robbed it’s important that you get a police report and contact us as soon as possible.

What is a dependant?

This means your dependant children or grandchildren under the age of 19 at the date of policy issue who are travelling with you.

COMPARE ZOOM TRAVEL INSURANCE PLANS

Each Zoom plan has different policy benefits. You can minimise your costs with Medical Only cover, or choose to buy  Comprehensive Travel Insurance for extra protection to cover things like travel delays and cancellation. Compare Zoom's Travel Insurance plans  online today.

Like all travel insurance plans, they don't cover everything. Just the unexpected. You should read your  policy document (PDS) carefully to ensure you select the cover that is best for you. You can add optional cover for extras such as Rental Vehicle Excess if you are hiring a car, Sports Activities Pack if you’re feeling adventurous and Snow Cover if you are hitting the slopes.  These can be added during the quote process.  

Zoom travel insurance offers simple, flexible travel insurance for maximum peace of mind no matter where you're zooming to.

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Travel safe with new zealand's most trusted travel insurer ^, get a quick travel insurance quote, win $5,000 of unforgettable memories~.

Whether you’re dreaming of sightseeing Turkey by hot air balloon, or hitting the slopes in Nagano, imagine the unforgettable memories you could have with an extra $5,000! All you need to do to enter is buy an International Comprehensive, International Medical Only or Domestic travel insurance policy between midnight 3 June and midnight 30 June 2024 and you’ll automatically go in the draw. 

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Why choose Southern Cross Travel Insurance?

+ Based upon the total number of travellers trips we have insured across the markets where we operate for all our travel insurance products from January 1995 to October 2023. # Based upon the total number of claims we paid as a proportion of all claims we received across the markets where we operate for all our travel insurance products from 1 January to 31 December 2023.

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With Kiwi travellers for over 40 years

SCTI is part of the Southern Cross group; one of New Zealand’s most enduring and trusted brands. We’re 100% New Zealand owned, and have worked hard to forge a reputation as our country’s leading travel insurer. During this time, we're extremely proud to be recognised both locally and internationally for our commitment to delivering quality products, value for money and dedication to customer service.

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What is travel insurance?

Travelling is all about discovering the unknown, so it’s no surprise that there can be a few hiccups along the way! Travel insurance is designed to better protect you from these unexpected events, from the moment you book your trip to the day you return home. Whether you have an unexpected flight delay or medical emergency, we’re here to help. Let us worry about what could go wrong, so you can start dreaming about what will go right.

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What can travel insurance cover?°

We offer cover for unexpected events, so you can travel with peace of mind. We know each traveller and trip is different - that’s why we offer different policies and add ons so you can choose the type and level of cover you need - which may, or may not, include some of the scenarios below. As with any insurance policy, terms, conditions and exclusions apply so always make sure you read the Policy Document  before buying your travel insurance policy to make sure it is right for you.

If you are diagnosed with COVID-19 before you leave, or while on your journey, we offer cover in some scenarios

° Please refer to the individual Policy Documents to see what your chosen policy covers.

See what's covered

We offer travel insurance that suits how you want to travel

We know how important it is to make sure you have the right type - and level - of cover, so we have different travel insurance policies to suit different types of travel, and the ability to personalise your cover to suit you with our optional add-ons. Whether you’re heading to Fiji for some R&R, London for an OE or Queenstown to hit the slopes, we’re with you.

Have questions?

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Need some inspiration.

When it comes to travelling, there’s always room for the unexpected to happen, that’s why we provide 24/7 emergency assistance and a simple process to make a claim on our website.

With New Zealand travellers for over 40 years

This website is managed by Siam Legal International - a law firm in Thailand

How to Buy Thailand Travel Insurance from New Zealand

New Zealand should be commended on how it handled the Covid-19 crisis. They were one of the first countries to impose travel restrictions which helped curb the spread of Covid in the early days of the pandemic.

Like Thailand, New Zealand was also one of the last countries to remove its restrictions. Both countries share a philosophy of protecting their citizens while knowing their countries rely heavily on tourism. It is a fine line to walk as the pandemic winds down.

Kiwis love to travel the world and are loved well wherever they go. They are one of the closest people to Thais with a reputation for being laid back. But because Kiwis love to get out and about, and have a lot of visitors themselves, they understand the importance of protection when abroad.

Covid gave insurance a bad name. No Covid Insurance, no travel. Simple. But things are looking up, because from July 1st, 2022, New Zealanders no longer need to show proof of Covid Insurance to visit one of their favorite countries.

Like New Zealand, Thailand is an outdoor country. Thailand shares New Zealand’s natural beauty, but it is the polar opposite. The culture, food, and landscape are as different as it gets, yet Kiwis will appreciate the change of scenery. For those NZ travelers chasing something new, Thailand is the perfect holiday destination.

There are many adventures to have, but unfortunately, when outdoors or abroad, things can happen. This is why Travel Insurance is important. It is the safety net that saves you from having to worry about unexpected costs. Travel Insurance mattered before Covid, and will certainly matter after Covid.

Travel Insurance for New Zealand Travelers

If you have ever traveled overseas, or considered leaving NZ, you know things can happen that are out of your control. Luggage is lost, flights are delayed, accidents occur and personal injury is possible. You cannot control these things, but you can protect yourself so they don’t disrupt your holiday.

Travel Insurance is not Covid Insurance. It is much more. It provides cover against incidents like:

• Medical emergencies
• Personal injury & accidents
• Missed or delayed flights
• Damage to belongings
• Lost luggage

It is important to know that, unlike in New Zealand, foreign visitors cannot receive free medical care in Thailand. If you have an accident or suffer a personal injury, you will need to pay any medical expenses. If you lose luggage, or a flight is delayed, you will have other costs. Depending on the severity, this could be thousands of dollars.

Because medical care is free in New Zealand, Travel Insurance is often overlooked when heading overseas. But Travel Insurance gives you peace of mind while abroad, and using a trusted company in your destination country makes it easy.

AXA Thailand: AXA Sawasdee Thailand

AXA Sawasdee Thailand is a well-known and respected insurance company in Thailand that caters to travelers from around the world. Their policies are straightforward and trusted by Thai authorities and medical institutions.

Get the best Travel Insurance here: https://u.axa.co.th/Sawasdee_Siamlegal

Benefits of AXA Sawasdee Thailand

It is possible to organize Travel Insurance through your home country, but there are many advantages to using an international company that is based in the country you are visiting.

Thai Approved

Using a local insurance company that is respected and trusted can simplify processes in the unfortunate event you need to make a claim. AXA staff are familiar with medical institutions in the country and are trained to deal directly with these institutions. AXA staff speak the Thai language and are familiar with local laws.

Using an insurance company from your local country may present issues internationally, or have certain exclusions when making a claim in Thailand. AXA Sawasdee is designed for Thailand.

Offered Packages of Travel Insurance

Many travelers have different levels of comfort for traveling and protection. AXA provides multiple packages to cater to any traveler’s needs. Kiwi travelers can choose between 2 insurance packages for their trip:

• AXA Insurance Package 1
• AXA Insurance Package 2

Each package offers a different level of cover and claim amounts.

No Waiting Period

Many insurers will have a 14-day waiting period for their conditions. This means that you either need to purchase your insurance weeks in advance or risk not being covered until the day you finish your vacation.

Because AXA understands New Zealanders want to feel safe from the moment they land in Thailand, they have removed any 14-day waiting period, so visitors are protected from day one.

Choice of Policy Duration

Many insurance companies offer limited choices for the length of their policies.

Holiday makers want to know they are covered until they safely land home, so visitors from New Zealand can select the duration of their AXA Insurance policy.

Whether you stay for 15, 30, 60, 90, or 180 days, you are covered while visiting. If you are looking at Thailand as a potential relocation or long-stay destination, AXA has coverage for those looking long-term.

AXA knows plans change, so if you decide to extend your holiday you don’t have to worry about canceling and reapplying. Just call them and extend your existing policy.

Days in Quarantine and Covid Diagnosis

If you are diagnosed with Covid while in Thailand, AXA Sawasdee Thailand covers days spent in quarantine. If you require medical attention while in quarantine, AXA Sawasdee Thailand can assist with organizing professional medical care and emergency transport.

Though many insurance companies now include Covid cover as standard practice, some companies will place exclusions if a traveler is diagnosed as Asymptomatic. This is not the case with AXA Sawasdee. You can make a claim on your policy if you are diagnosed as Symptomatic or Asymptomatic.

24/7 Dependable Service

AXA Sawasdee Thailand’s insured travelers have access to their 24/7 helpline. Any time of the day, helpful staff are available to address your concerns and offer assistance.

They pride themselves on the quick service you can depend on. If you need the insurance policy and certificate quickly, AXA Sawasdee Thailand can do that.

Certificate of Insurance

Foreign visitors are no longer required to provide proof that they have insurance when in Thailand. But in the unlikely event that a New Zealander needs to make a claim or provide insurance documents to a doctor or hospital, the last thing they want is to be searching through a multi-page policy.

NZ travelers will receive a convenient 1-Page Certificate of Insurance when they purchase Travel Insurance with AXA Sawasdee Thailand. The certificate contains all relevant policy details and can save time and frustration in a stressful situation.

You can get a full refund of the insurance premium if the Royal Thai Embassy/Consulates do not accept your AXA Sawasdee Thailand insurance. You must provide proof that the policy was not accepted by the Embassy, e.g. a web page of the Embassy listing the requirement, or a leaflet with the Embassy header/logo.

How to Buy Travel Insurance from New Zealand

Get a quote and buy your AXA Sawasdee Thailand COVID insurance online. They make the process simple and you will receive your Travel Insurance certificate within minutes.

• Go to the AXA Sawasdee Thailand website and apply.
• Pick between the 2 packages: AXA Insurance Package 1 or Package 2 .
• Pay for your policy.
• Receive the insurance policy and certificate by email moments after your payment.
• You can then print your 1-Page certificate if you like to carry a hard copy.

Tips to Make Sure your Insurance is Approved

Before traveling, it is always best to check the details of your policy. You want to make sure that:

• Incidents relating to COVID-19 are not excluded.
• Your policy covers your entire stay in Thailand.
• Your details are correct.

Thailand is once again opening its arms to Kiwi visitors. New experiences are waiting for new and seasoned travelers alike. The world is returning to normal and New Zealanders can get back into the world and enjoy the beauty, relaxation, and exotic food that is just different enough to make a holiday worthwhile. Safe travel is everyone’s responsibility and having the right cover will allow you to kick back and enjoy yourself.

Get your Travel Insurance here: https://u.axa.co.th/Sawasdee_Siamlegal

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How to buy thailand travel insurance from cyprus, how to buy thailand travel insurance from croatia, leave a comment cancel reply.

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I want cover from the Time I leave New Zealand to the day I arrive back in NZ ..Not from the Day I arrive in Thailand ,to the Day I leave Thailand.. ie, lost of baggage when I going each way

Hi Lawrence,

One of the best recommended insurance is AXA, check this https://direct.axa.co.th/TA-Inbound/CoverageOptionPlan?utm_source=Agent_Partner&utm_medium=Direct_SiamLegal&utm_campaign=Sawasdee_SiamLegal

Hi Do you offer covid Insurance coverage for 77 year olds in good health please.

Dear Yvonne,

Yes, you can check this page: https://covid19.tgia.org/ Thank you.

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Overseas cover & annual multi-trip cover

Our overseas travel covers medical, dental and hospital treatment*, lost luggage, and personal liability, and can get you and your family home in certain emergencies.

Travel a lot? Take out our annual multi-trip option and you’re covered for as many trips as you like, for 12 months.**

Find out more

Domestic Cover

If your plans while travelling in New Zealand change unexpectedly, we can cover the cost of cancelling or amending your flight, accommodation or rental car bookings and other expenses, up to $10,000.

Inbound Cover - Visiting NZ

Are you a non-resident visiting friends and family in NZ, or on a working holiday? Our Inbound plan can cover medical and dental expenses, luggage and travel documents, rental vehicle insurance excess, personal liability and more!

Travel Cover During Covid-19

Planning an adventure? Check out our scenario-based FAQs explaining how we could cover you if Covid-19 plays havoc with your trip: AMI Travel Cover and Covid-19 FAQs

Find out before you go – our Covid-19 Benefits Destination Guide explains how AMI Travel cover applies when travelling to different international destinations: Covid-19 Benefits Destination Guide

Still unsure? Ask us a question

Compare our Travel Cover Plans

Every driver’s different, so our car policies come with different features.

Policy benefits

Medical and dental expenses

Additional expenses

Amendment or cancellation costs

Luggage and travel documents

Delayed luggage allowance

Rental vehicle insurance excess

Travel delay

Resumption of journey

Missed connections

Special events

Hospital incidentals

Loss of income

Accidental death

Legal expenses

Personal liability

Get a travel quote now

This is only a summary of benefits provided. Please refer to AMI Travel Policy Wording for full details of the cover provided. Please read the entire document carefully to understand what this policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply.

Specific terms, conditions and exclusions apply to Covid-19. See the policy wording for the most up to date information.

* Cover will not exceed 12 months from the onset of the illness or injury. 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 our Inbound Plan. ^ Cover chosen applies per policy. See the policy wording . • Item limits apply for any one item, set or pair of items including attached or unattached accessories. You may increase these item limits if you wish. See the policy wording . # If you or your travelling companion are diagnosed with Covid-19 by a qualified medical practitioner and are unable to travel, you can claim cancellation or amendment costs for your prepaid trip up to a benefit limit of $10,000 per policy on an international Plan or $5,000 per policy on a Domestic Plan or if applicable, up to the level of cover purchased for cancellation (whichever is lower). There is also no cover if symptoms or diagnosis occurred prior to buying your policy. ~ The maximum liability collectively 14, 15, and 16 is $15,000 International Plan, and $10,000 on a Domestic Plan

This is only a summary of the benefit provided. Please refer to the policy wording . For details of the cover provided. Please read the entire document carefully to understand what the relevant policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply, and this summary of benefits table may change at any time.

Before you travel

Travel safety

Find out more information about events that may affect you when you travel.

Travel tips

Our team of intrepid Kiwi travellers has come up with a list of handy travel tips to help make your holiday even better.

AMI Travel insurance is underwritten by Zurich Australian Insurance Limited ("ZAIL") incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. IAG New Zealand Limited (“IAG”), of which AMI is a business division, is not the insurer. IAG receives a commission for the issue of AMI-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.

AMI Travel Website Disclaimer 12072022

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

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

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

Quick and easy claims We're here for you if something disrupts your trip. Save time and submit your claim online.

Where are you going.

Worldwide including the Americas, the Caribbean and Antarctica: Antarctica (Cruising), Antigua and Barbuda, Argentina, Bahamas, Barbados, Belize, Bermuda, Bolivia, Brazil, Canada, Cayman Islands, Chile, Colombia, Costa Rica, Cuba, Dominica, Dominican Rep, Ecuador, El Salvador, Falkland Islands, French Guiana, Greenland, Grenada, Guadeloupe, Guatemala, Guyana, Haiti, Honduras, Jamaica, Martinique, Mexico, Netherlands Antilles, Nicaragua, Panama, Paraguay, Peru, Puerto Rico, St. Kitts and Nevis, St. Lucia, St. Vincent and Grenadines, Suriname, Trinidad and Tobago, United States of America, Uruguay, Venezuela, Virgin Islands.

Africa, Middle East, Indian Sub-Continent and Asia (other): Afghanistan, Algeria, Angola, Azores, Azerbaijan, Bahrain, Bangladesh, Benin, Bhutan, Botswana, Burkina Faso, Burundi, Cameroon, Canary Islands, Cape Verde, Chad, China, Central African Republic, Comoros, Congo (Dem. Rep), Djibouti, Egypt, Eritrea, Ethiopia, Equatorial Guinea, Gabon, Gambia, Ghana, Guinea, Guinea Bissau, India, Israel, Iran, Iraq, Ivory Coast, Jordan, Kazakhstan, Kenya, Korea (north), Korea (south), Kuwait, Kyrgyzstan, Lebanon, Lesotho, Liberia, Libya, Macau, Madagascar, Mauritius, Mauritania, Mozambique, Maldives, Malawi, Mali, Mongolia, Morocco, Namibia, Nepal, Nigeria, Niger, Oman, Pakistan, Qatar, Reunion, Rwanda, São Tomé and Príncipe, Saudi Arabia, Senegal, Seychelles, Sierra Leone, Somalia, South Africa, South Korea, South Sudan, Sri Lanka, Sudan, Swaziland, Syria, Taiwan, Tajikistan, Tanzania, Togo, Tunisia, Turkey, Turkmenistan, Uganda, United Arab Emirates, Uzbekistan, Yemen, Zambia, Zimbabwe.

Europe: Albania, Andorra, Armenia, Austria, Belarus, Belgium, Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Herzegovina, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Maderia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, Vatican City.

UK: Channel Islands, England, Northern Ireland, Scotland, United Kingdom, Wales.

South East Asia, Hong Kong, Japan: Brunei, Cambodia, East Timor, Federated States of Micronesia, Guam, Marshall Islands, Micronesia, Hong Kong, Indonesia, Japan, Kiribati, Laos, Malaysia, Myanmar (Burma), Nauru, Northern Marianas, Palau, Papua New Guinea, Philippines, Singapore, Thailand, Vietnam

South Pacific and Norfolk Island:  Cook Islands, Fiji, French Polynesia, New Caledonia, Niue, Norfolk Island, Samoa, Solomon Islands, Tokelau, Tonga, Tuvalu, Vanuatu, Western Samoa.

New Zealand Only:  New Zealand domestic travel

New Zealand Inbound Travellers :   New Zealand

Dates of Travel

Departure date (travel start date).

Single Trip - The date you depart New Zealand

Cover under the Amendment or Cancellation Costs benefit begins from the time you buy your policy. Cover under all other sections begins from the Travel Start Date you select.

Annual Multi-Trip - The date your policy will commence

Cover under the Amendment or Cancellation Costs benefit begins from the time you buy your policy. For further information, we recommend you read the definition of "Relevant Time" in the Policy Wording.

Return date - (Travel end date)

Single Trip - The date you return to your home

Annual Multi-Trip

Regardless of what you enter as the Return date, you will be quoted for a 12 month Annual Multi-Trip policy.

For further information we recommend that you read the definition of "Relevant Time" in the Policy Wording.

Traveller Details

Age of each traveller at issue date

Simply enter the age of each traveller including children.

Only use as many boxes as you have travellers.

Do all travellers live in New Zealand?

New Zealand resident travellers are able to purchase Travel Insurance policies from us to any area of travel and any country/destination.

Non-New Zealand resident travellers are only able to purchase a Travel Insurance policy if travelling inbound to New Zealand.

For Non-New Zealand resident travellers wanting to purchase Travel Insurance to travel to any other part of the world other than travel to New Zealand, please contact us as we may still be able to offer cover to you.

Quick Links

• Cancel Policy
• Make a claim

Travel insurance for Thailand

From the tropical beaches of Phuket to the bustling streets of Bangkok, Thailand has so much to offer to travellers of all tastes. The country enjoys a reputation for serene landscapes and exciting cities in equal measure, and has long been one of Southeast Asia’s most popular travel destinations.

What does my insurance cover in Thailand?

Our International Comprehensive policy provides affordable, comprehensive cover for your international holiday. When you protect yourself with our International Comprehensive cover, you also gain access to our worldwide Emergency Assistance team, who offer round-the-clock advice 365 days of the year.  Our International Comprehensive insurance includes cover for:

• Unlimited medical and evacuation expenses that arise due to unexpected events while on your journey
• Cancellation fees and lost deposits – increase your cover depending on the cost of your journey
• Damaged or lost baggage
• Personal items if they are stolen or damaged
• Rental vehicle excess should you have an accident
• Emergency dental treatment
• Funeral costs

Cover for natural disasters

Unfortunately, Thailand is no stranger to devastating natural events, like the Boxing Day Tsunami in 2004 that killed thousands. More recently, serious flash flooding and typhoons have claimed the lives of thousands more, including international travellers. You must make sure it’s still safe to travel to your destinations by checking for travel advisories on the Smartraveller.gov.au  website. You need to check this when you buy your insurance, again before you start your journey, and before leaving for each new destination.

Your policy may be affected if the travel advisory on the Smartraveller.gov.au  website is ‘Do not travel’ or ‘Reconsider your need to travel’.

Cover for laptops, phones and cameras

Valuable electronics are common victims of misadventure overseas. Whether it’s being stung by a cunning thief in a Bangkok market, or suffering an unexpected slip into the resort pool, your electronics can face danger from all sides. Our International Comprehensive policy covers you for lost, stolen or damaged personal items, so you can focus on enjoying your holiday knowing that you’re protected from the unexpected.

What you need to know

This page includes some information about our products but, as with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant Financial Services Guide (FSG), Product Disclosure Statement (PDS) and  Target Market Determination (TMD)  to ensure our travel insurance products are right for you.  

You can find the relevant documents here:  International Comprehensive , Annual Multi-trip ,  International Medical Only , Working Overseas ,  Domestic . 

Related articles

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If you are planning international travel at this time, please read our COVID-19 related travel advice here , alongside our destination specific travel advice below.

Do not travel

Do not travel to the southernmost provinces along the Thailand-Malaysia border, including Narathiwat, Yala, Pattani and Southern Songkhla due to ongoing politically-motivated and criminal violence, which occurs on an almost daily basis. The Thai Government has warned tourists not to travel to these areas (level 4 of 4).

Exercise increased caution

Exercise increased caution elsewhere in Thailand due to the potential for civil unrest and threat of terrorism (level 2 of 4).

Political Tension/Civil unrest The political situation in Thailand can be unpredictable. In recent years, Thailand has experienced regular large-scale political demonstrations and unrest in Bangkok and other cities in Thailand.  Violent incidents in the vicinity of these demonstrations have resulted in serious injuries.

New Zealanders throughout Thailand are advised to avoid any protests, demonstrations, and large gatherings, as even those intended to be peaceful have the potential to quickly turn violent.

New Zealanders throughout Thailand are advised to exercise due caution and monitor the media to stay informed of developments. We recommend adhering to any instructions issued by the local authorities. 

New Zealanders in Thailand should be wary of making political statements in public and on social media or sharing articles online that could been seen as portraying Thailand negatively or making accusations about individuals. There are also strong ‘lese majeste’ laws in place which make it a criminal offence to criticise or defame the monarchy in any form, including on social media. These laws are strictly enforced in Thailand and it is strongly advised that New Zealanders in Thailand refrain from making any public statements about the monarchy including posting, commenting or liking items about the monarchy on social media. 

Terrorism There is an ongoing threat of terrorism in Thailand, including in Bangkok and Phuket. Previous incidents involving explosive devices have occurred in Bangkok and other popular tourist destinations, including Phuket and Koh Samui.

In August 2019, several small explosions occurred in various locations in Bangkok resulting in some injuries. In August 2016, there were multiple explosions in Thailand. These occurred in a number of tourist areas, including Hua Hin, Phuket, Phang Nga, Trang, and Surat Thani and resulted in casualties.  On 17 August 2015, an explosion near the Erawan Shrine in central Bangkok killed at least 20 people and injured many more. Further incidents are possible.

New Zealanders are advised to exercise a high degree of personal security awareness throughout Thailand. Particular care should be taken in public and commercial areas. Possible terrorism targets include (but are not limited to) landmarks or places known to be frequented by expatriates or foreign tourists, public transport facilities, hotels, bars, restaurants, nightclubs, tourist resorts, shopping areas, markets, banks, embassies, and places of worship. Thai authorities have previously warned of the possibility of attacks to coincide with symbolic dates or holidays.  

Local travel There is an ongoing threat of violence in the southernmost provinces of Narathiwat, Yala, Pattani and Songkhla. Bombings and shootings are common in these provinces and over 6,500 people have been killed in an ongoing insurgency since 2004. Foreigners have been caught up in this violence in the past.

Sporadic conflict near the Thai-Myanmar border occurs between the Myanmar military and armed opposition groups as well as between Thai security forces and armed criminal groups (such as drug traffickers). Armed clashes may result in border closures at short notice. 

Crime Petty crime such as bag snatching and pickpocketing, especially from thieves on motorbikes or in open transport like tuk tuks, occurs in Thailand and is common in tourist areas, in larger cities and on public transport. We advise New Zealanders to be alert to their surroundings at all times and take steps to safeguard and secure their personal belongings.

Drink spiking has been reported in tourist destinations around Thailand, with both male and female victims.  Be careful about taking drinks from strangers and at bars, clubs and parties, or leaving your drinks unattended, particularly in Phuket and Krabi provinces, around Koh Samui, Koh Tao, Pattaya and at the Full Moon party on Koh Pha Ngan, where drug related sexual assaults have been reported. 

Transport Safety Road safety is a significant issue in Thailand. Road accidents occur frequently, often causing death or serious injury. Motorcyclists and pedestrians are most at risk. Be extra vigilant during holiday periods, including Western New Year (January 1) and Songkran (Thai New Year, mid-April), as drunk driving and accidents are much more frequent during these periods. Do not drink and drive, or drink and ride. If you are walking, use overhead walkways whenever possible. Consider carefully the safety standards of any vehicle and any accompanying equipment, such as helmets, you may hire.   

Passenger boat accidents have occurred, often due to overloading or poor maintenance of vessels. Consider carefully the safety standards of any vessel and do not board any vessel which appear overloaded. 

General travel advice New Zealanders travelling or living in Thailand should have a comprehensive travel insurance policy in place that includes provision for medical evacuation by air.

It is a legal requirement to carry a form of identification with you at all times, that proves your legal status in Thailand. Failure to produce your passport or a photocopy of relevant pages could result in a fine or arrest.

Penalties for possession, use or trafficking of illegal drugs are severe and can include lengthy imprisonment or fines.

In January 2018, Thai authorities introduced a smoking ban on beaches in certain tourist areas, including in Petchaburi, Pattaya, Phuket, Prachuap Kirikan, Chon Buri and Songkhla provinces. Those caught smoking in non-designated areas could be fined or face imprisonment.

Making a critical or defamatory comment about the Royal Family, including on social media is punishable by a prison sentence in Thailand.  Travellers should maintain respectful behaviour around all images of the Royal Family, including on money.

Exercise caution in relation to offers of employment that appear ‘too good to be true’.  There have been a number of cases where victims have been trafficked into online scamming or other fraudulent activity, with poor pay and living conditions, restrictions on movement, and the possibility of severe mistreatment.

Thailand has been experiencing poor air quality and high PM2.5 levels in urban areas and Bangkok in particular. This may aggravate bronchial, sinus or asthma conditions. Children, the elderly and those with pre-existing medical conditions may be especially affected. Latest reports on air quality levels can be obtained from the World Air Quality Index website.

New Zealanders in Thailand are encouraged to register their details with the Ministry of Foreign Affairs and Trade.

The New Zealand Embassy Bangkok, Thailand

Street Address M Thai Tower, 14th floor, All Seasons Place, 87 Wireless Road, Bangkok Postal Address PO Box 2719, Bangkok 10500 Telephone +66 2 254 2530 Fax +66 2 253 9045 Email [email protected] Web Site http://www.mfat.govt.nz/thailand Hours Mon-Fri 0800-1200, 1300-1630 hrs

See our regional advice for South East Asia

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New zealand embassy thailand.

Telephone: +66 2 254 2530

Fax: +66 2 253 9045

Email: [email protected]

Website: http://www.mfat.govt.nz/thailand

Hours: Mon-Fri 0800-1200, 1300-1630 hrs

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Ministry of Foreign Affairs and Trade 195 Lambton Quay Private Bag 18 901 Wellington 5045 New Zealand

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Travel Insurance

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Financial Strength Rating

The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia), ("Hollard"), has been given a financial strength rating of A (Strong) issued by Standard and Poor's. View the full details on the  Financial Strength Rating .

An overseas policyholder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.

Financial advice

The New Zealand Automobile Association provides general information about AA Travel Insurance products and services so that you can make a choice that best meets your needs. Information provided does not take into account your personal circumstances, needs or goals and is not intended to be financial advice. If you'd like to receive financial advice, you can get professional advice from a registered financial adviser.

More information

Contact us Policy Wording Make a claim Terms and conditions AA Traveller Member Benefits

*AA Members can receive a 10% discount on AA Travel Insurance. Simply provide each traveller’s valid AA Membership number on application. Discount applies to the premium for each AA Member on standard policy and any additional pre-existing medical cover, but doesn’t apply to additional cover for high value items.

^All new policies taken out between 7am 13 May and 11:59pm 30 June 2024 will automatically be in the draw to win 1 of 3 $15,000 NZD cash prizes. See the full T&Cs  here .

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Where are you going.

Single Trip

Select a country in the area of travel based on where you will spend the most time on your journey

Note: If you plan to spend more than 20% of your time in the Americas or Antarctica, you must select a country from the area that includes these countries.

Annual Multi-Trip

Select a country you are planning to visit in the area which will cover all the countries you plan on visiting over the year. If you plan to visit a country in the Americas, or Antarctica, you must select a country in the area that includes these countries.

Cover includes domestic journeys provided the destination is more than 100 km from your home in New Zealand. If less than 100 km, your trip must include at least one night paid accommodation booked with an accommodation supplier or provider.

• United States of America (USA)
• Cook Islands
• Not Sure? See Region List
• Antarctica - Sightseeing Flight
• Antigua And Barbuda
• Cayman Islands
• Dominican Republic
• El Salvador
• Falkland Islands
• Northern Mariana Islands
• Puerto Rico
• St. Kitts and Nevis
• St. Vincent and Grenadines
• São Tomé and Príncipe
• United States of America
• Virgin Islands, U.S.
• Afghanistan
• Bosnia and Herzegovina
• Burkina Faso
• Cape Verde Islands
• Central African Republic
• Congo, The Democratic Republic Of
• Czech Republic
• Equatorial Guinea
• Faroe Islands
• French Guiana
• Guinea-Bissau
• Ivory Coast
• Korea, Republic Of
• Liechtenstein
• Moldova, Republic Of
• Netherlands
• Saudi Arabia
• Sierra Leone
• South Africa
• Switzerland
• Trinidad And Tobago
• Turkmenistan
• United Arab Emirates
• Vatican City
• Northern Ireland
• United Kingdom
• Lao People's Democratic Republic
• Marshall Islands
• Philippines
• American Samoa
• French Polynesia
• New Caledonia
• Norfolk Island
• Papua New Guinea
• Solomon Islands
• Western Samoa
• New Zealand

Dates of Travel

Departure date (travel start date).

Single Trips

The date you depart your home in New Zealand

If you purchase this policy on your trip after leaving home, this cover is subject to a 3-day no-cover period. This means there is no cover under any section of the policy for any event that has occurred already or that arises within the first 3 days of buying the policy.

Cover under the 'Amendment or cancellation costs' benefit begins from the time you buy your policy.

Cover under all other sections begins from the departure date you select.

Annual Multi-Trips

The date your policy will commence

For further information we recommend you read the definition of 'Relevant Time' and 'Period Of Insurance' in the Policy Wording.

Return Date (Travel End Date)

The date you return to your home in New Zealand

Your Annual Multi-trip Policy will expire 12 months from the commencement date of the policy.

Ages of travellers

Who is going.

Enter the current age (at todays date) of each traveller, including children, who you want to cover with insurance.

Click Add+ if you need to add more travellers

Accompanied Children are your children or grandchildren plus one non-related child per adult policyholder who are identified on the Certificate of Insurance and travelling with You on the Journey, provided they are not in full-time employment, they are financially dependent on You and they are under the age of 21 years. See the Policy Wording for more information.

Do all travellers live in NZ?

Most policies can only be issued to New Zealand citizens and permanent residents of New Zealand who:

• Will be returning to New Zealand at the completion of the period of insurance and within 12 months of the journey commencing;

If you are visiting New Zealand from another country you should select New Zealand as your Destination

Travel insurance for your flight, holiday or adventure

Whether you travel once a year or you're a frequent flyer, we have comprehensive travel insurance options for single and annual multi-trips – overseas or travel around New Zealand.

Air New Zealand travel insurance also includes medical expenses and limited cancellation expenses related to Covid-19.

Plus, you can earn Airpoints Dollars™ on every policy or pay using Airpoints Dollars.

Covid-19 cover included

We provide Covid-19 benefits on both Single Trip and Annual Multi-Trip policies to help you travel with greater confidence.

Access to a Travel Doctor

As a policyholder you have access to our bonus Travel GP service free of charge. If you're feeling ill and need to talk to a doctor we can put you in touch with an Australian-based doctor via telemedicine.

Existing Medical Conditions

We can cover a range of existing medical conditions. There are 39 already included in our policies, and you can apply online as part of your policy purchase.

Free cover for children

Free travel cover for accompanying children or grandchildren under 21.

Travel Delay

We automatically include coverage in our comprehensive policies for travel delay of over 6 hours.

Use your Airpoints Dollars™

You can use your Airpoints Dollars to purchase your travel insurance policy. Sign in at any time.

Free look period

Once you’ve purchased make sure you read the policy. If you're not sure you can cancel within 21 days and get a full refund. ** 

Why choose Travel insurance from us?

Air New Zealand has partnered with Cover-More Travel Insurance to bring you world-leading comprehensive insurance for travel within New Zealand and around the world.

Cover-More is part of the Zurich Insurance Group, one of the world’s largest insurance companies. For more than 30 years, Cover-More travel insurance and their 24/7 emergency assistance services have helped Kiwis all over the world.

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Trip Details.

Type to select country destinations

Type the countries you are travelling to or select from popular destinations below.

• Cook Islands
• New Caledonia
• New Zealand
• Philippines
• South America
• Netherlands
• Switzerland
• United Kingdom
• South Africa
• Middle East
• United Arab Emirates
• Domestic Cruise
• Cruising New Zealand

Please Note: You do not need to include stopovers less than 48 hours, except for USA and Canada.

• Depart Return

Are all travellers under 19 your children or grandchildren?

Dependants are defined by TINZ as your children or grandchildren, not in full time employment, who are under the age of 19 and travelling with you for 100% of the journey. Before proceeding, please confirm that all travellers under 19 are dependants of the adult travellers. If the child is not classified under the above terms then please treat them as an adult traveller within this policy.

The Already Overseas plan is appropriate for New Zealand residents who are already overseas and need travel insurance cover because they have either forgotten to purchase before they left New Zealand or, their existing travel insurance policy has expired.

Please read our conditions of purchase carefully. We can only provide cover provided that you satisfy the following conditions at the time of purchase:

• You are aged 64 or under; and
• You have a permanent residential address in New Zealand and will be returning to resume residence in New Zealand at the end of your journey; and
• You intend to return to New Zealand on the date your policy ends; and
• You purchase your policy within 30 days from either the date you departed New Zealand; or the expiry of any other travel insurance policy; and
• Your period of overseas travel does not exceed 18 consecutive months in total from the date you originally departed New Zealand;

Please note:

• For this plan “journey” means the time from when the policy is issued while you are overseas and ends when you arrive at any immigration counter in New Zealand.
• Journeys can be up to a maximum of 90 days.
• Purchasing an Already Overseas policy is limited to one journey every 12 months.
• There is no cover provided for the first 72 hours from the start date of your certificate of insurance.

Age limit exceeded.

We are sorry.

We are unable to provide cover for this trip. Travellers aged over 80 years and over can only purchase travel insurance for a maximum duration of 6 months.

Please visit our partner website www.comparetravelinsurance.co.nz to purchase travel insurance for this trip.

Single Trip | Annual Multi-Trip

Already overseas travel insurance.

Heading abroad?  Perhaps you’ve left already and forgotten to buy travel insurance. Luckily, with TINZ you can buy cover even after you’ve departed. Don’t sweat the small stuff. Just travel.

24/7 EMERGENCY ASSISTANCE

Your health is our number one priority. Our emergency assistance experts are just a phone call away 24 hours a day, seven days a week.

CANCELLATION COVER

Don’t lose out if you have to cancel your trip. We offer cover for cancellation costs if you can no longer travel or have to return home early due to unforeseen events.

TRAVEL DELAYS

Airport delays are a common frustration when travelling. Our travel insurance provides you with compensation if you’re delayed for more than six hours.

FAMILY  EMERGENCY

Had to rush home or cancel due to a family emergency? We’ll cover your lost non-refundable deposits so you have one less thing to worry about.

RIDING A MOTORBIKE OR SCOOTER

You’re covered on two wheels, so long as you’re wearing a helmet and the driver holds a valid licence recognised for your intended destination.

GADGET COVER

No doubt you’ll be taking a few gadgets away with you. Our plans provide different levels of cover for phones, iPads, cameras and laptops.

LUGGAGE COVER

Rest assured that your luggage is covered in the event of loss or theft, whether you’re near or far from home. Phew!

CRUISE COVER

We’re on board with you and don’t charge any extra if you’re heading on a cruise. With TINZ, you’re covered from ship to shore.

TRAVEL INSURANCE OPTIONS

Properly protect your holiday with travel insurance from TINZ and get extra cover for your adventure activities, winter trips, luxury items and more.

DOMESTIC TRAVEL

There are always risks when you travel, even in your home country. Protect your New Zealand holiday with domestic travel insurance and get cover for rental car excess, luggage, personal effects, lost deposits and more.

SKI INSURANCE

ADVENTURE ACTIVITIES

GROUP BOOKINGS

Are you travelling with a group of friends, school or club? TINZ offers special rates that can save you significant time and money!

PRE-EXISTING MEDICAL CONDITIONS

Don’t let a pre-existing medical condition get in the way of your travels.  We cover 35 existing medical conditions automatically for free. You can also apply to cover additional conditions by assessment.

FREQUENT TRAVELLER TRAVEL INSURANCE

Don't forget next time around! Get a annual policy that covers you for unlimited trips all year round. If you’re planning several trips this year then frequent traveller policy can save you time and money.

Our annual multi-trip policy covers an unlimited number of trips over a 12 month period. We give you the same level of cover as our comprehensive international plan, meaning you get full coverage for less. You can tailor your individual trip duration from 15 days up to 90 days. Please note this policy is only available for customers under the age of 64.

ALREADY OVERSEAS FAQ's

Whether you hadn’t considered it until you were abroad, or simply forgot to purchase travel insurance in all the excitement of planning your trip, you can be rest assured that we’ve got you covered. You can purchase a policy from TINZ even if your adventure has begun.  

Q. Can I buy travel insurance if I’m already travelling?

Yes, you most definitely can. If you’re a New Zealand resident already overseas, you can purchase travel insurance away from home, no matter where in the world you are.  Simply use the quote box above to purchase our Already Overseas plan or contact our friendly customer service team.

Q. Is there an age limit if I'm already overseas?

The age limit for travellers who wish to purchase our already overseas policy is 64 years old.

Q. does a waiting period apply to this plan?

Yes, There is a 72 hour waiting period on all claims from the date you commenced your journey. 

Q. My travel insurance has run out! Can I get cover?

We’re flexible and work around your travel plans. Unlike other insurers we’ll cover you in the event that your previous policy has run out or you simply forgot to buy cover in the first place.

Q. Can I get cover if I don’t have a return flight back to New Zealand booked?

Yes. You can still get cover if you haven’t actually booked your return flight, but you must be returning to New Zealand at some point. You need to provide us with an end date in order for us to quote and cover the duration of your travels. You can extend your policy if you decide to stay longer.

Q. What am I covered for?

You get the same great cover offered in our Comprehensive plan.  This includes 24/7 overseas emergency assistance, unlimited medical & hospital expenses, cancellation & lost deposits cover, and more. Visit our  policy comparison page to see the full range of benefits. You also have the option to add on extra cover in the event that you will be skiing, or taking part in any sports & adventure activities.  To fully understand what is covered and what isn’t covered by this plan, please refer to our policy wording.

Q. Can I cover my medical conditions?

TINZ automatically covers 35 pre-existing medical conditions at no cost. This includes conditions such as acne, asthma, cataracts, diabetes and osteoporosis. Click here to see a full list of conditions that are automatcially covered. There is no cover under the Already Overseas plan for medical conditions other than those specifically listed.

Because life’s a trip

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