When planning a trip, most of us think about international travel insurance.
But did you know that having insurance for your domestic adventures in New Zealand is just as important?
Whether you're exploring the beaches, mountains, or cities, travel insurance gives you peace of mind that you’re covered if something goes wrong.
What does it cover?
You might be wondering, "Do I really need insurance for a trip within New Zealand?" The short answer is yes! Anything can happen—you could miss a flight, lose your luggage, or even sprain an ankle. Here’s what domestic travel insurance typically covers:
The Essentials:
Trip cancellation or amendments: If something outside your control forces you to change or cancel your trip.
Travel delays: Extra accommodation or travel expenses due to delayed flights or missed connections.
Personal liability: If you accidentally damage someone else’s property or cause injury. (For example, damaging an Ebike on one of our cycle trips could be costly—make sure you’re covered by checking with your contents insurance if your travel insurance doesn't cover this!)
Additional Cover:
Luggage and travel documents: If your bag is lost, stolen, or damaged.
Medical expenses: Coverage for injuries, sickness, or emergency dental care.
Loss of income: If you’re injured on your trip and can’t return to work.
Accidental death: If the worst happens due to an injury during your trip.
What does it cost?
The cost of domestic travel insurance depends on a few factors. Here are some things that might affect the price:
Age: Older travellers may see higher policy costs, but some insurers offer special rates for seniors.
Level of coverage: You can choose a basic plan or go for a comprehensive option if you want more coverage.
Length of trip: Shorter trips usually mean lower costs, and if you travel frequently, annual or multi-trip policies can save you money.
Excess: A lower excess per claim often means a higher policy cost.
Existing medical conditions: If you have a pre-existing condition, your policy may cost more.
While it’s tempting to choose the cheapest option, make sure the policy covers what’s important to you. Always read the policy details so you’re not caught off guard if something happens!
What might not be covered?
Of course, no insurance policy covers everything. Here are a few things that might not be included:
Changing your mind: If you cancel because you no longer want to go, you may not be covered.
Undisclosed medical conditions: If you don’t tell your insurer about a pre-existing condition, it may not be covered.
Neglecting your belongings: If your bag is stolen because you left it unattended, your claim could be denied.
Reckless behaviour: Claims resulting from excessive drinking or dangerous activities may not be covered.
High-risk activities: Check your policy if you’re planning on doing any extreme sports, as these might not be covered.
Traveling against advice: If you visit areas where there are government warnings (like for weather or safety concerns), you may not be covered.
Lastly, many insurers now offer Covid-19-related cover, but this varies. It’s always a good idea to compare policies before purchasing to make sure you're protected.
Our Top Tips for choosing the right insurance:
Check the fine print: Always read the policy wording to know exactly what’s covered.
Think about your needs: If you’re planning outdoor activities like hiking or cycling, make sure your policy covers accidents or equipment damage.
Consider your trip length: If you’re travelling often, an annual policy might be more cost-effective than multiple single-trip policies.
Peace of Mind for Your Next Adventure
With your insurance sorted, you can relax and focus on enjoying everything New Zealand has to offer! Whether it's a weekend getaway or a longer adventure, knowing you're covered means you can explore with confidence.
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