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International travel. Insured.

Jetset with cover for medical mishaps, halted holidays, rentals gone wrong, and more1.

Get a quote
Call us on 0800 500 325

With State? Get 30% off.

If you’re with State, use the code STATECUST30 and get 30% off travel insurance2.

Key perks and protections1.

Illness or accidents.

Unlimited3 cover to help get you well or home. Plus, we can cover a range of pre-existing medical conditions.

Cancelled plans.

If plot twists make you cancel, you may be able to claim for money back. Plus, you choose your level of cancel cover.

Rental vehicle woes4.

Skip steep rental vehicle excess fees. We cover up to $10,000 for eligible dings and theft.

Lost luggage. Passport panic.

Something stolen or MIA? We can help with replacements to get your trip back on track.

Pick your insurance path.

Two levels of international cover for NZ residents. Plus, choose single trip or annual multi-trip. Suss the specifics in the online quote process.

YourCover (Comprehensive)

Our most comprehensive policy, giving you flexibility.

Essentials

Cover for the essentials at a cheaper cost.

Single trip

For one trip overseas. To one or multiple locations.

Annual multi-trip

For unlimited trips overseas and within NZ up to the maximum trip length you choose.

Grab quote online

What's covered? Get the goods1.

Select cover option:

International YourCover (comprehensive)

International YourCover (comprehensive)

Single trip or annual multi-trip

Maximum limit per adult

Overseas medical expenses

Unlimited5

Overseas emergency dental expenses

$1,5005

Continued medical expenses in New Zealand

$1,5005

Additional expenses

Unlimited6

Amendment or cancellation costs

Your chosen amount7

Luggage and travel documents

$25,0008

Delayed luggage allowance

$1,5008

Money

$500

Rental vehicle insurance excess

$10,000

International Essentials

International Essentials

Single trip or annual multi-trip

Maximum limit per adult

Overseas medical expenses

Unlimited5

Overseas emergency dental expenses

$1,5005

Continued medical expenses in New Zealand

$1,5005

Additional expenses

Unlimited6

Amendment or cancellation costs

Your chosen amount7

Luggage and travel documents

$4,0008

Delayed luggage allowance

$6008

Money

$250

Rental vehicle insurance excess

International YourCover (comprehensive)

International YourCover (comprehensive)

Single trip or annual multi-trip

Maximum limit per adult

International Essentials

International Essentials

Single trip or annual multi-trip

Maximum limit per adult

Overseas medical expenses

Unlimited5

Unlimited5

Overseas emergency dental expenses

$1,5005

$1,5005

Continued medical expenses in New Zealand

$1,5005

$1,5005

Additional expenses

Unlimited6

Unlimited6

Amendment or cancellation costs

Your chosen amount7

Your chosen amount7

Luggage and travel documents

$25,0008

$4,0008

Delayed luggage allowance

$1,5008

$6008

Money

$500

$250

Rental vehicle insurance excess

$10,000

Select cover option:

International YourCover (comprehensive)

International YourCover (comprehensive)

Travel delay

$2,0008

Resumption of journey

$5,000

Missed connections

$3,0008

Special events

$2,000

Hospital incidentals

$8,0008

Hijacking

$8,0008

Loss of income

$9,0009

Disability

$25,0009

Accidental death

$25,0009

Legal expenses

$10,000

Personal liability

$3,000,000

Cruise cover

Add-on required

COVID-19 benefits

See policy wording

International Essentials

International Essentials

Travel delay

$1,0008

Resumption of journey
Missed connections

$1,5008

Special events

$1,500

Hospital incidentals
Hijacking

$2,0008

Loss of income

$4,5009

Disability

$5,0009

Accidental death

$5,0009

Legal expenses
Personal liability

$2,500,000

Cruise cover

Add-on required

COVID-19 benefits

International YourCover (comprehensive)

International YourCover (comprehensive)

International Essentials

International Essentials

Travel delay

$2,0008

$1,0008

Resumption of journey

$5,000

Missed connections

$3,0008

$1,5008

Special events

$2,000

$1,500

Hospital incidentals

$8,0008

Hijacking

$8,0008

$2,0008

Loss of income

$9,0009

$4,5009

Disability

$25,0009

$5,0009

Accidental death

$25,0009

$5,0009

Legal expenses

$10,000

Personal liability

$3,000,000

$2,500,000

Cruise cover

Add-on required

Add-on required

COVID-19 benefits

See policy wording

See more policy benefits

Policy documents

This is a summary only. For a full list of the benefits as well as exclusions and other terms, read the policy wording.

  1. Cover will not exceed 12 months from onset of the illness, condition or injury.
  2. Sub-limits apply to section 2 and 5f.
  3. Cover chosen applies per policy. Refer to the policy wording.
  4. Sub-limits apply. Refer to the policy wording.
  5. Liability collectively for Sections Loss of Income, Disability and Accidental Death is $25,000 on the International YourCover and $5,000 on the International Essentials plan.

For policies bought before 17 September 2025 refer to policy wording.

Cover even more if you’re extra.

If you need a bit more cover, add on a cover variation.

For calm cruises.

Extend your policy benefits to multi-night sea cruises. Required if you’re travelling on an ocean or sea cruise for two or more nights.

For fancy stuff.

Increase your cover for items like jewellery or video equipment.

For thrill-seekers.

Cover more extreme activities like skydiving, rock climbing, scuba diving, or high-altitude trekking.

For vroomy motorbikes.

Cover driving or being driven on a scooter or motorbike with an engine over 250cc.

For snow-bunnies.

Cover on-piste or off-piste skiing, snowboarding and heli-skiing.

Your safety net. Phew.

24/7 emergency assistance.

New Zealand-based customer service.

Claim online. Anytime, anywhere.

Easy online claims

No need for small talk. Claim online with Cover-More whenever and wherever you like. On a beach lounger, ideally.
Make an online claim

Travelling within New Zealand?

Domestic travel cover

Explore domestic insurance

Backed-up by the goods.

Proud to be recognised as one of New Zealand’s most trusted travel insurers.

Committed to treating you fairly. Proudly displaying our Fair Insurance Code credentials.

The nitty gritty details.

  1. This is a summary only. Benefits may vary by plans. Adding extra cover to your base policy will incur additional costs. Limits, sub-limits, conditions, exclusions, and a standard excess may apply. Before deciding to buy this insurance, consider the Policy Wording.
  2. Discount applies to new State Travel insurance policies taken out by existing State customers only, using the promo code STATECUST30. New policies must be quoted and paid for between 11 March and 22 September 2026 to be eligible. Not available with any other offer. The discount applies to the total premium paid, inclusive of any add-on or variations to cover made and is applied before taxes. T&Cs apply. 
  3. Cover will not exceed 12 months from onset of the illness, condition or injury.
  4. Only available on the International YourCover plan.

Insurance Disclaimer

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

State Travel insurance is administered by Cover-More NZ Ltd, underwritten and issued by Zurich Australian Insurance Limited (ZAIL) incorporated in Australia, ABN 13 000 296 640, trading as Zurich New Zealand. For further information see Zurich New Zealand's financial strength rating.

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

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