Travel Insurance for New Zealand

Know more About Travel Insurance

Located in the southwestern Pacific Ocean, New Zealand is an island country consisting of two major landmasses and 700 smaller islands. Internationally recognised for its high quality of life and good people, New Zealand is a unique destination that all travellers should consider for their trip. 

From the stunning geothermal region of Rotorua to the Tongariro National Park, New Zealand is known as the backdrop of The Lord of the Rings, making it a popular destination for tourists worldwide. Although not as popular among Indian tourists as Saudi Arabia, the UAE, and the United States of America, New Zealand remains an excellent destination for Indian tourists. 

New Zealand is a top-tier destination for leisure travel, primarily known for its stunning and diverse landscapes, from snow-capped mountains and pristine fjords to lush forests and beautiful coastlines. It's a haven for outdoor and adventure tourism, offering everything from hiking the famous Milford Track and exploring the geothermal wonders of Rotorua to adrenaline-pumping activities like bungee jumping and skydiving. 

Beyond this, New Zealand also shines as a key destination for students. New Zealand has seen a significant surge in popularity, particularly from countries like India. It offers a high-quality education system, with all eight of its universities ranked among the world's top 3%. The country's relaxed visa requirements, affordability compared to other popular study destinations like the US and UK, and the opportunity for a post-study work visa make it a desirable choice for students looking to gain international experience and a world-class qualification.

So, consider New Zealand as part of your 2025 and onward travel bucket list. However, wherever you go, make sure to secure your trip with the right travel insurance for New Zealand. Keep reading to learn all you need to know about New Zealand Travel Insurance.

Travel Insurance For New Zealand From India

Foreign travelling is expensive, and any unexpected risk can often lead to financial loss and a negative travel experience. This is where travellers should opt for risk management systems like travel insurance to secure their trip and help mitigate the financial impact of these risks, enabling them to travel safely with peace of mind. New Zealand Travel insurance is also a beneficial system that financially protects travellers from the implications of facing medical and non-medical travel-related risks when travelling to New Zealand.

Why Do You Need Travel Insurance From India to New Zealand?

As a traveller, you may need travel insurance from India to New Zealand for several reasons. Here are a few key reasons to consider when considering whether an insurance policy is necessary for your trip.

1. Foreign travel is expensive, and getting caught in risk can have significant financial implications. 
2. Going outside the norm of daily routine can expose the traveller to increased risk. 
3. Foreign travellers are not eligible for free treatment or social benefits offered to New Zealanders.
4. Travel Insurance in New Zealand offers coverage for loss or delay of checked-in baggage, personal accidents, personal liability, trip cancellation, and dozens of others.

Explore the Key Benefits Offered by Travel Insurance New Zealand From India

Travellers planning to secure their New Zealand trip with travel insurance from Niva Bupa can expect comprehensive policies at an affordable price. Not just are Niva Bupa’s policies reliable, but they also offer financial protection and peace of mind when travelling. Here are some of the key benefits of the New Zealand travel insurance provided by Niva Bupa:

• Niva Bupa offers travellers a simple, convenient, and affordable way to secure their New Zealand trip with New Zealand travel insurance.

• Coverage of up to $500,000 under travel insurance from India to New Zealand.

• Niva Bupa provides 24/7 assistance in any emergency to travellers with New Zealand travel insurance.

• The policy covers policyholders from expenses incurred due to medical emergencies, personal accidents, COVID-19, medical evacuation, repatriation, pre-existing diseases during emergencies, and more.

• Student travellers with student travel insurance for New Zealand are also covered for additional risks, including 100% coverage for pre-existing diseases, study interruption coverage, sponsor protection, dental treatment, maternity expenses, and more.

• Travellers are also covered for non-medical risks, such as lost checked-in baggage or essential documents like passports and visas, missed connecting flights, trip delays, interruptions and cancellations, and personal liability.

What is Covered Under the Travel Insurance for New Zealand?

When purchasing any insurance policy, travellers must first consider what is covered and map it with their needs for the best coverage. So here are some of the coverages offered by Niva Bupa as a part of its insurance policies:

Delay or loss of checked-in baggage: 

This coverage offers partial or complete reimbursement for significant delay or loss. 

Missed connecting flight:

This coverage reimburses you for the extra accommodation and travel costs to reach the next destination if you miss a pre-booked connecting flight due to the original flight running late. 

Loss of passport: 

This coverage reimburses you for the cost of applying for a new passport if the original is lost.

Dental treatment:

This coverage reimburses a pain-relieving dental treatment availed under anesthesia. 

Trip delay, cancellation, interruption: 

These three separate coverages offer reimbursement for part of the travel and accommodation costs if your travel is delayed, canceled, or interrupted due to certain conditions mentioned in the policy document. 

Medical emergency (hospitalization): 

This coverage offers reimbursement for the cost of medical treatment.

Emergency outpatient treatment: 

This coverage reimburses any emergency treatment under OPD. 

Medical evacuation: 

This coverage reimburses the transfer cost from one hospital to another if the primary hospital does not offer appropriate care. 

Emergency trip extension: 

If the trip is extended due to certain exceptional circumstances, this coverage offers an extension of the policy up to 7 days. 

Personal accident: 

This coverage pays a portion up to the sum insured for accidental death or disability.

Repatriation of mortal remains: 

This coverage reimburses you for the cost of transporting the mortal remains of the traveler or the cost of cremation in the city/country of death. 

There might also be additional coverage options depending on the type of travel; thus, it is vital to check the policy document for clarity on what is covered.  

What is Not Covered Under the New Zealand Travel Insurance Plan?

In addition to what is covered, travellers must consider what is not covered to avoid any last-minute surprises when requesting a claim. Here is a summary of some of the main exclusions under travel insurance that must be considered and remembered when opting for New Zealand travel insurance.

• Treatment for any injury or illness resulting from nuclear or radiological emissions, war or rebellion, and specific acts of terrorism.

• Active participation in military exercises, war games, or engagement with the enemy.

• Any loss or injury due to committing or attempting to breach the law with criminal intent. 

• Expenses for cosmetic or plastic surgery or any treatment to change appearance, including obesity or weight control programs. Unless in certain circumstances as listed in the policy document.

• Maternity expenses.

• Non-prescription or unproven drugs or treatments.

• The provision of fitting hearing aids, spectacles, or contact lenses, including optometric therapy, any treatment, and associated expenses for alopecia, baldness, wigs, or toupees, and medical supplies, including elastic stockings, diabetic test strips, and similar products.

• If the insured person is travelling against the advice of a doctor or is receiving or on a waiting list for specified medical treatment.

• Death, injury, medical condition, or disability resulting from suicide or attempted suicide, self-inflicted wound or illness, consumption of alcohol or drugs, and depression.

• Countries with travel restrictions for Indians.

• Medical tourism.

• Damages due to adventure sports unless part of coverage.

• Expenses related to any admission specifically for diagnostics and evaluation purposes that are not related or incidental to the current diagnosis and treatment.

   

Please note that this list is just an excerpt from the policy document. Reading and assessing the exclusions when purchasing a policy is crucial to avoid any last-minute surprises and hassles.

Who Should Buy Niva Bupa Travel Insurance for New Zealand?

Any traveller looking to secure their New Zealand trip with travel insurance NZ should consider doing so from Niva Bupa. Niva Bupa is one of the leading providers of travel insurance in India and offers comprehensive travel insurance policies for the unique needs of Indian travellers at affordable prices. For every trip, individuals can choose the number of travellers, select one of three plans based on their required level of coverage, assess and determine the sum assured for their trip, and add any add-ons as necessary. This gives travellers complete control and allows them to travel freely with confidence and peace of mind.

What are the Criteria for Being Eligible for Travel Insurance for New Zealand?

As a traveller looking to purchase travel insurance for New Zealand to secure your trip, there are certain requirements you should consider to be eligible for the policy. Here are the requirements for purchasing travel insurance from Niva Bupa:

• Adults should be between the ages of 18 and 70.

• Dependent children can be up to the age of 25.

• Travellers must possess and furnish mandatory documents like copies of passports, visas, income proof, and other relevant papers.

How to Buy Travel Insurance for New Zealand Online?

Suppose you wish to purchase travel insurance for New Zealand from India. There are several ways to do so. Travellers looking to buy travel insurance online NZ can easily do so by visiting the Niva Bupa website and following the steps to purchase the policy.

1. Enter Your Mobile Number to start the process.

2. Add Trip Details: Select either Single-Trip or Student Travel Insurance and choose New Zealand.

3. Select Travel Dates: Ensure accuracy, keeping in mind time zone differences for international travel.

4. Enter Traveller Ages: Enjoy a 10% discount when insuring two or more travellers.

5. Choose Coverage Amount: From $50K to $500K.

6. Select your policy type: Lite, Basic, Comprehensive, or Honeymooners.

7. View Summary: Review plan details, sum insured, travel dates, trip duration, destination, and number of travellers.

8. Provide KYC Details: Review policy terms and give consent for Niva Bupa Health Insurance to download your KYC.

9. Add Personal & Medical Details for all travellers.

10. Make the Payment: Your policy copy will be emailed instantly.

     

Once the payment is complete, the New Zealand travel insurance policy will be emailed to you. Following the five easy steps mentioned above, you can secure your trip with a comprehensive insurance policy from Niva Bupa within minutes. 

When to Buy New Zealand Travel Insurance?

Travellers looking to buy travel insurance for New Zealand to secure their trip are recommended to do so as soon as they book their flight tickets. While there is no real benefit to delaying purchasing an insurance policy for your trip, there are benefits to buying the policy earlier, as travellers can avail of a cancellation benefit in case their trip is cancelled. Trip cancellation benefit is a valuable coverage offered as a part of travel insurance for New Zealand visitors that compensates for the non-recoverable cost of transport and accommodation paid in advance. 

Factors Affecting the Premium Of Travel Insurance For New Zealand

Do you know that the premium amount you pay for availing an insurance policy is not static, but instead, it is affected by several factors, ranging from the age of the traveller to the travel destination? Here are a few key factors impacting the premium charged for New Zealand travel insurance:

1. Trip duration: The length of a trip is often one of the main factors used to determine the premium price.

2. Trip destination: The trip destination also impacts the premium, as certain destinations tend to have higher risks than others.

3. Sum assured- The total amount of coverage selected for your policy is also an essential factor that influences the premium prices. 

4. Type of coverage selected: The type of coverage chosen, whether single-trip, multi-trip, student travel, group travel, or senior citizen insurance, affects the policy's cost.

5. Any particular add-ons opted for: Choosing and adding additional add-ons will add to the cost and drive up the premium price.

6. Age of the travellers: The ages of the travellers also impact the premium charged for the policy. Older individuals are more susceptible to health risks or have already been diagnosed with them, thus increasing the risks. 

7. What the traveller would do on the trip: Whether it is going on a leisure trip, a business trip, for educational purposes, or for taking part in adventure activities, what the traveller does when travelling also significantly impacts the cost of the policy.

8. Number of travellers: Some insurers, like Niva Bupa, benefit groups of travellers. More than two travellers can get a 10% discount on the premium, thus reducing its cost.

What You Need to Know About Filing a Claim for Travel Insurance in New Zealand?

Travellers who need to file a claim settlement request for travel insurance can do so easily with Niva Bupa. There are several ways to request a claim settlement from Niva Bupa. Refer to the following methods for a quick and hassle-free claim process.

1. To file a New Zealand travel insurance claim, you first need to contact your insurer, Niva Bupa. 

2. You may also contact the global third-party administrator if you are travelling overseas.

3. You can raise a claim for travel insurance online, through mail, or even physically. You can do so both while overseas and when you return to India.

4. You must submit a duly filled claim form along with the required documents based on the type of claim—for example, loss of baggage, trip cancellation, medical emergency, or death.

Besides this, one can make two types of claims in the case of a medical emergency. 

Cashless claim

Niva Bupa is partnered with Europ Assistance, a global third-party administrator, to provide cashless claims to hospitals and healthcare centres worldwide.

• The customer initiates the claim to Europ Assistance via a toll-free number or email. 

• The TPA-Europ Assistance will contact the customer and provide them with the required New Zealand travel insurance details.

• Europ Assistance will then initiate the GOP (Guarantee of payment) process with the hospital where the customer will receive treatment.

• Europ Assistance will request the documents from the hospital or the customer and, after assessing the claim, send them to Niva Bupa for approval/rejection/query/investigation.

• Our medical team will approve the claim by email.

• The GOP will be released to the hospital as per the amount claimed.

• The hospital will contact the Europ Assistance team if any additional amount is required.

• At discharge, documents will be sent to Europ Assistance and approved accordingly.

• After discharge, the hospital will send the documents to Europe Assistance for settlement with the hospital.

Reimbursement Claim 

Mandatory Documents Required for Reimbursement Claims

1. Claim form

2. KYC

3. Cancelled cheque of the proposer

4. Discharge summary 

5. Final bill along with break-up

6. Payment receipt

7. All investigation reports 

New Zealand Visa Details and Entry Information

Indians planning a trip to New Zealand should remember to apply for a visa well in advance before starting their journey to the country. Indians looking for a visa should know that there are several types to choose from, depending on their intended activities and the duration of their stay. 

For instance, students planning to travel to New Zealand for educational purposes should apply for a student visa, while business travellers would need to apply for a business and investment visa. Here is a list of the various types of visas applicable to New Zealand and their uses.

Navigating the New Zealand Visa Application Process with Ease

Travellers looking to apply for a tourist visa for New Zealand can do so by applying for the visa online. This application process is simple and efficient, and can even be completed in just minutes if you have all the required documents and details. Once this application is submitted, you must follow the instructions and make an appointment at the embassy or consulate. Following this, the processing time may take anywhere from 40 to 60 days for a decision to be made, and if it is rejected, you can appeal the decision within 24 hours.

What are the Travel Documents Required to Travel from India to New Zealand?

Travellers planning a trip to New Zealand must carry a few documents wherever they visit the country. These documents include all of the following:

1. A valid passport with at least six months of validity

2. A valid visa with an expiry date after your return tickets

3. Travel itinerary with hotel bookings, return tickets, etc

4. Proof of accommodation 

5. Financial statements as proof of sufficient funds for the travel dates

6. Recent photographs taken within the last three months

7. Cover letter for what you would be doing when travelling

Which is the Best Time to Visit New Zealand?

Due to its location in the southern hemisphere, New Zealand is a country that experiences seasons inverse to what people in the northern hemisphere do. For example, New Zealand faces summer from December to March, deep into the winter season throughout much of the northern hemisphere. So, not only does New Zealand offer respite during the cold-biting winter months for those who wish to escape it, but it also offers winter respite during the warm summer months in the northern hemisphere.

So, depending on whether you wish to escape the winter to embrace the pleasant warmth of New Zealand in December to March or if you prefer the colder temperatures during the heatwaves in India, visiting New Zealand in March to May, when the temperature is pleasant at 17-23°C, and followed by June until August when the temperature is 7-13°C, is also quite pleasant. 

The best time to visit New Zealand, however, is from September to March, which includes both the Spring and Summer months. During these months, you can take part in activities such as skydiving, surfboarding, scuba diving, and other water sports. 

What are the Best New Zealand Tourist Places?

As a traveller visiting New Zealand for the first time, or even if you have done so several times, there is always something new to do and experience. Here are some of the top places to visit if you are visiting New Zealand for the first time:

1. If you are a fan of the Lord of the Rings movies or just interested in filmmaking, make sure to visit the Hobbiton Set.

2. Visit the National Museum of New Zealand Te Papa Tongarewa, a six-story building sprawling over 36,000 square metres in Wellington. It stores a collection of trinkets, artefacts, and relics of historical significance.

3. Experience geothermal springs at the Wai-O-Tapu Thermal Wonderland, known for its colourful natural volcanic area and vast expansive vistas.

4. Check out the world-renowned Glowworm caves that have been attracting worldwide tourists for years.

5. If you enjoy exploring forests or biking trails through beautiful natural reserves, then Redwoods, Whakarewarewa Forest is the place to be. From the stunning panoramic views of Rotorua City and the lake, it is an experience that everyone should see at least once.

What are Some Famous Indian Restaurants in New Zealand?

New Zealand's cities, particularly Auckland, Wellington, and Christchurch, have a vibrant and growing Indian food scene, offering a mix of traditional and modern Indian cuisine. Here are some of the most popular and highly-regarded Indian restaurants across the country:

• Cassia: Located in the heart of Auckland, Cassia is a well-known fine-dining Indian restaurant that has received numerous accolades. It's famous for its modern, upscale take on traditional Indian flavours, with a focus on fresh, local ingredients and a tasting menu experience.

• Paradise: A highly-regarded spot in Auckland, Paradise is known for serving authentic and delicious Indian food, including classic curries, biryanis, and kebabs. It's often cited as one of the best and most affordable Indian restaurants in the city.

• The Great India: As a long-standing institution in Wellington, The Great India has been serving classic curries for over 40 years. It's known for its generous portions and traditional Indian favourites cooked to perfection.

• Indian Taj: This restaurant is celebrated for its authentic North Indian cuisine and a wide range of tandoori dishes. It's a popular choice for both dine-in and takeaway.

• Coriander's: A well-known group of Indian restaurants in Christchurch, Coriander's has multiple locations and a reputation for big flavours and a welcoming atmosphere. They are known for their traditional tandoor classics and rich curries.

What are Some Fascinating Facts About New Zealand?

New Zealand is a fascinating country with many fun facts to explore. Here are some of the most intriguing facts about New Zealand you should know:

• New Zealand is one of the last large habitable areas to be settled by humans between 1280 and 1350. The Polynesians began to settle in the islands and subsequently developed a distinctive Māori culture.

• New Zealand was the first country in the world to enable women to vote in 1893.

• Taumata­whakatangihanga­koauau­o­tamatea­turi­pukaka­piki­maunga­horo­nuku­pokai­whenua­ki­tana­tahu is the longest officially recognised place name in an English-speaking country. The word is in Maori language of New Zealand.

• There are more sheep in New Zealand than people.

• New Zealand is home to three types of Kiwi: The people of New Zealand, the Kiwi bird, and the Kiwi fruit.

How is India and New Zealand’s Relationship?

India and New Zealand share a warm and long-standing relationship which has been growing steadily, with a strong focus on people-to-people connections, making travel a cornerstone of their bilateral ties. 

India has a large and well-integrated Indian diaspora in New Zealand, which accounts for nearly 6% of the population. It is a primary driver of tourism, particularly for visiting friends and relatives. 

Furthermore, New Zealand has actively targeted India's growing tourist market, with initiatives to improve air connectivity and create tailored travel packages for Indian visitors. The two countries are also working on streamlining travel processes, and India is the second-largest source of international students for New Zealand.

Do’s and Don’ts to Keep in Mind when Visiting New Zealand

If you are planning a trip to New Zealand, here are a few safety tips to remember for a safe and fun travel experience.

1. Keep a note of the visa duration, and do not overstay your welcome

2. Carry your passport with you and keep it safe

3. Keep away from non-tourist destinations

4. Do not break the visa rules. For example, if you are going on a visit visa, do not start work in the country before getting a work visa.

5. Keep a note of the Indian Commission’s number and other contact details

6. Avail a New Zealand travel insurance policy from a leading insurer like Niva Bupa for the best protection

7. Keep a note or a printout of the policy document for quick reference