Estimate your travel insurance premium by destination, trip duration, age, cover level, and number of travellers. Rates reflect 2026 pricing from Southern Cross Travel Insurance (SCTI), Cover-More, Allianz Partners, 1Cover, World Nomads, and AA Travel Insurance.
Southern Cross Travel Insurance offers unlimited medical cover and $25,000 luggage protection (vs $10,000 from most competitors). USA trips are 30-40% more expensive due to high US medical costs. Medical evacuations from overseas can cost $50,000-$150,000+. For international travel, ensure your medical cover is at least $1M-$5M, or unlimited.
New Zealanders travel extensively, and medical emergencies overseas can be devastatingly expensive without insurance. A hospital admission in the USA can cost $10,000-$50,000+. Medical evacuation back to NZ costs $50,000-$150,000+. Even in Australia, the reciprocal health agreement does NOT cover ambulance costs ($1,000-$5,000+ in most states), medical evacuation, or non-emergency specialist care.
| Destination | Premium Impact | Why |
|---|---|---|
| Australia / Pacific | 15% cheaper | Proximity, reciprocal agreements (limited) |
| Europe / UK | Baseline | Standard medical costs, good infrastructure |
| USA | 30-40% more | Extremely high medical costs ($10K-$500K+) |
| Domestic NZ | 60% cheaper | ACC covers accidents, public health system |
Premium credit cards from ANZ, ASB, Westpac, and BNZ may include travel insurance as a cardholder benefit. However, cover is typically activated only when you purchase travel using the eligible card, medical limits are often capped at $500K-$1M (vs unlimited on standalone comprehensive), and cancellation limits may be tied to what was charged to the card. Read the card PDS carefully before relying on it as your sole travel insurance.
Sources: Southern Cross Travel Insurance (scti.co.nz). MoneyHub travel insurance comparison March 2026. Compare.org.nz travel insurance March 2026. 1Cover NZ. World Nomads. Allianz Partners NZ. Sorted.org.nz travel insurance tips.
This calculator provides indicative estimates only. Actual premiums depend on specific trip details, health conditions, and insurer underwriting. Always obtain personalised quotes. Pre-existing conditions must be declared and may attract additional premium or exclusion.
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