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Take cover for your next ski trip with Zoom travel insurance

WHY BUY WITH ZOOM

medical cover

Zoom ski and snow pack provided medical cover for your trip along with helicopter evacuation expenses. 

Zoom provides cover for up to $1,500 in alternative snow and ski equipment following the accidental loss, theft or breakage of your winter gear. 

Zoom provides cover for your lift passes and out-of-pocket expenses should you have to cancel your ski trip due to bad weather or injury. 

bad weather

If your journey is delayed more than 12 hours because of bad weather your additional travel and accommodation expenses may be covered. 

travel delays

Transport delays can cause disruption to your travels. Zoom provides cover for domestic travel delays. 

24/7 assistance

We provide you with access to our support staff in an emergency. Our expert emergency assistance is available 24 hours a day, 7 days a week. 

easy claims

We’ve kept our claims process simple and guarantee to assess fully documented claims within 10 business days. 

Peace Of Mind

Our travel insurance plans are underwritten by HDI Global Specialty SE – New Zealand.  A global company who provides a broad range of insurance solutions in more than 175 countries. 

SKI COVER FAQ'S

Am i covered for skiing without purchasing zoom's ski sports add-on.

No. If you are taking part in any kind of winter sports activity, you must purchase our ski and snow sports pack in the payment process to be covered.

What do I get when I purchase the ski add-on?

In order to be covered for winter sports including skiing, snowboarding, tobogganing or tubing (on groomed ski slopes) you must purchase our ski and snow sports pack. This pack cover provides cover for Unlimited overseas emergency medical and hospital expenses, $1,000 cover for piste closure, bad weather & avalanche, and $1,500 for loss or damage to your own snow sport equipment. You will also be covered for the value of any unused ski pass, ski hire or tuition fees (up to $750) following the loss or theft of your ski pass, or you being unable to ski following accident or illness.

What age limits apply to ski insurance policies with Zoom?

Zoom's ski and sports pack covers those travellers under the age of 69 only.

Are my skis covered? 

Yes you are covered up to $1,500 for loss or damage to your own snow sport equipment. However we do not cover for damage to your equipment while it is in use.

Can I buy ski cover for just a portion of my holiday?

Unfortunately not. Our ski and snow sports pack needs to be purchased for the entire duration of your trip.

Am I covered for helicopter evacuation off the slopes?

Yes, if you have a serious accident on the slopes, we will pay for helicopter evacuation to get you to the nearest hospital.

Am I covered if I ski or snowboard off-piste?

No, Zoom only covers you when you are skiing within resort boundaries with a licensed instructor, not for backcountry winter sports of any kind.

Are my skis covered if they are stolen?

Yes. Zoom covers you up to $1,500 for theft of your ski gear as long as you have not left it unattended and have taken proper care of it in the first place.

Am I covered for the whole season?

No, you are only insured to ski in ski season:   this would be December 1 and April 15 for travel to the Northern Hemisphere, or between 15 June and 30 September for travel to the Southern Hemisphere.

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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What country are you going to?

Select the Area of travel in which you will spend most time. NOTE: If you are spending more than 20% of your trip time in the Americas Area, it is compulsory to select a destination in the Americas Area for your policy.

If you are quoting a multi-trip policy please select “see region list” and select a destination in the appropriate region. For example United States for Worldwide cover or Spain for European cover.

When are you going?

Please select the departure and return dates for your trip.

For multi-trip policies the departure date will mark the start of your cover and it will automatically run for a year from that date.

Who is travelling?

Simply enter the age of each traveller including Adults and Accompanied Children*. Enter the age they are now.

Only use as many boxes as you have travellers.

*As per the Policy Wording: "Accompanied Children" means 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 and they are under the age of 21 years at the Relevant Time. If an Accompanied Child is in full time employment then they will need to purchase their own policy.

If you require a policy for more than 6 travellers, please contact Cover-More on (0800) 500 225 as we may still be able to offer cover to you.

Snow Sports Travel Insurance Cover FAQs 

At Cover-More, we know that a snow sports holiday can bring new questions and concerns for travellers. To help, we have put together some frequently asked questions about our Snow Sports cover. Visit our snow sports travel insurance cover page for more information on purchasing your policy.

How can I buy ski and snowboard travel insurance cover? 

When you’re purchasing Cover-More travel insurance, you have the option to include Snow Sports Cover at an additional cost. This cover provide protection for skiing, snowboarding, and snowmobiling. Alternatively, you can give us a call on 0800 500 225, and our friendly Customer Service team will guide you through our policy options. 

Why do I have to pay extra for snow sports? 

Participating in snow sports can increase your likelihood for injury. Often, the types of injuries that occur on the mountains require urgent medical attention and are extremely costly. That's why it's smart consider including Snow Sports Cover in your travel insurance policy.

What does ski and snowboard travel insurance cover?

Our ski and snowboard travel insurance (snow sports) can cover claims involving you skiing, snowboarding, or snowmobiling, providing you meet the requirements outlined in the Policy Wording . Cover is only provided if you are on-piste, not racing, and not participating in a professional capacity.

Am I still covered for medical if I don’t add Snow Sports Cover? 

Our overseas medical and dental expenses benefit applies for the duration of your trip, up to the limit described in your policy. However, if you are injured on the slopes, we will only be able to consider your claim if you have included Snow Sports Cover to your policy for an additional cost.

What does it not cover? 

Our Snow Sports Cover does not protect you if you are skiing or snowboarding off-piste or if you are racing, or participating in a professional capacity. We don’t provide cover for heli-skiing, or snowcat skiing/snowcat boarding. 

Is there a limit on personal equipment that can be covered? 

We can provide coverage for insured personal items lost, damaged, or stolen on your trip. When you choose our Options International Plan, our luggage benefit provides the following coverage per item, set, or pair of items: 

Cameras and video cameras - $3,000

Laptop and tablet computers - $3,000

Other items - $1,500

When you choose our Options International Plan, the limit for all luggage items combined is $25,000. If you require extra coverage, we allow you to increase this limit for single items for an additional cost. You can get a quote online or call us.

Please note: All personal ski equipment falls under our ‘other items’ category. 

Am I covered if I use my own ski equipment? 

Under our luggage benefit, we provide coverage if your equipment is lost, stolen or damaged in transit (i.e. to and from your destination). Unfortunately, this benefit does not apply to sporting and ski equipment while it is being used. 

Is my rented equipment covered? 

Our luggage and travel documents benefit only provides cover for insured personal items that are lost, damaged, or stolen on your trip. We do not provide this cover for hired ski items. When you hire ski equipment, you engage in a contract with your chosen ski rental company. Always ensure you’re aware of your rights and responsibilities prior to hiring ski gear on your winter holiday.

Does equipment have to be ‘new’ to be covered? 

No – we do not have any specification in terms of how old your item has to be in order to have cover as a luggage item. Our claims would apply reasonable depreciation to the item when assessing the claim.

Can I apply Cover-More’s Snow Sports Cover for only part of my trip? 

No. Once you vary your policy to include our Snow Sports Cover, you’ll have protection for the whole duration of your policy. This gives you flexibility if you have not booked the ski or snowboarding part of your holiday before you leave on your trip. 

Want more information? See our  snow sports travel insurance cover page, our  essential guide for ski holidays , and check out these  top ski destinations .

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June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova, Republic of; North Korea, Democratic People's Rep; Russia; Israel

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Are you ready for ski season? Whether you are hitting the bunny slopes or a seasoned pro, there's something for you in our ski travel section; including guides to the best experience, tips for packing and planning, and, how to save money along the way. And remember, a travel insurance plan from Allianz Global Assistance is a great way to protect your investment on and off the slopes.

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Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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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.

Does ski insurance cover off-piste?

Hey there adrenaline junkie - so even the black runs are too tame for you hey? If you're planning on getting gnarly on the slopes, check that your planned activities are covered before you go hitting that untouched powder!

Most insurers offer cover for recreational skiing and snowboarding when you’ve bought a ski insurance policy, but even for the most experienced riders this doesn’t always mean you are covered for skiing off-piste, cross country, or backcountry. This also includes higher risk winter sports activities like heli-skiing, cat-skiing, snowmobiling or lugeing.

What is skiing off-piste in the world of travel insurance?

Skiing (or snowboardng) off-piste is when you are skiing in ungroomed and unmarked slopes or pistes, including skiing in unmarked or unpatrolled areas, either inside or outside of ski resorts boundaries.

Who covers off-piste skiing or snowboarding?

Lucky for you thrill seekers, there are a few companies that cover for off-piste activities, but you generally have to be within resort boundaries with a professional instructor.

NOTE: This doesn’t mean your best mate who has been working in a bar for the past five ski seasons and thinks he’s/she’s a pro. This means an instructor that has undergone training and is the holder of a backcountry security award and a holder of the backcountry and mountain safety qualification.

Who covers what?

**Click on the ticks for more information**

General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.

Off-piste exclusions to pay attention to:

Like all insurance policies there are terms and conditions you need to be aware of. So even with the appropriate ski cover, exclusions will still apply. For example you wouldn’t be covered for skiing/snowboarding off-piste if:

• Your policy says you’re only covered off-piste when you’re with a professional instructor, and you go without one.
• Your equipment is damaged during use. Not all ski insurance policies cover for damage to your own equipment while you are using it.
• You take part in a competition or tournament, unless it specifically says otherwise.
• Skiing and/or snowboarding is your profession (in most cases). 
• You were under the influence! Apres is all part of the fun on a ski holiday, but bear in mind that claims will not be paid if an accident is deemed to be the result of excessive alcohol or under the influence of drugs.
• You intentionally expose yourself to a needless risk like doing cliff drops.
• You do not report lost or stolen items to the police within 24 hours, with a written report.
• You cannot provide proof of ownership with original receipts for any lost or stolen items.
• Ski equipment is left unattended in a public place and is then lost or stolen as a result. This includes equipment that is misplaced or damaged by your transport carrier.

So powderhounds, regardless of whether you're going to Thredbo or Chamonix it's really important to read your insurers policy documentation (known as the Product Disclosure Statement) to make sure you understand when you're covered, and when you're not. A slip on the slopes can be VERY costly, so it pays to know your conditions of cover before you hit the slopes.

Compare off-piste skiing

You can use our site to compare ski insurance quickly and easily. We’ve got heaps of quotes so you can find the right policy for your needs and budget.

So what are you waiting for? Compare our ski quotes now and save yourself time, worry and loads of money!

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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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Travel safe with new zealand's most trusted travel insurer ^, get a quick travel insurance quote, win your ultimate $10,000 getaway~.

Whether your ultimate getaway is soaking in the Amalfi Coast, or taking on that dream African safari, $10,000 could go a long way in escaping for your ultimate getaway! All you need to do to enter is buy an International Comprehensive or Domestic travel insurance policy between midnight 1 April and midnight 31 May 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.

See all our awards

Award-winning service as voted by YOU for 5 years running

We’re proud to win the Reader’s Digest Quality Service Award for the 5th year in a row. Our team is dedicated to providing you with outstanding service throughout every stage of your adventure.

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.

How to compare travel insurance

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?

See all our FAQs

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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

Travel Insurance

No matter where you go, or what beyond ordinary holiday you’re about to experience, the unexpected can happen. Here at travel&co we offer travel insurance in partnership with Allianz Partners. Our aim is to make it easy for you to apply for insurance through us – so you’re prepared when heading overseas for a Ski/board holiday. This is a summary only. Terms, conditions, limits and exclusions apply. You should consider the Policy Wording  before making any decisions about your insurance policy.

If you would like more information about travel insurance options please talk to our experienced Active Travel Experts today on   NZ Toll Free: 0800 555 035

Or click here  to buy your travel insurance online.

Allianz Travel Insurance

Allianz Partners is an expert in creating and delivering unique solutions that combine service, insurance and technology to provide worldwide protection and care.

Allianz Partners Travel Insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia). You should consider the Policy Wording before making any decisions about this insurance policy.

The Financial Strength Rating and Overseas Policyholder Preference of our insurer Hollard Insurance Company Pty Ltd (“Hollard”)

The Hollard Insurance Company Pty Ltd has a financial strength rating of A- (Excellent) issued by A.M.Best Company Inc.

The rating scale* in summary form is:

A++, A+ (Superior) A, A- (Excellent) B++, B+ (Good) B, B- (Fair)

C++, C+ (Marginal) C, C- (Weak) D (Poor)

E (Under Regulatory Supervision) F (In Liquidation) S (Suspended)

Plus (+) or minus (-): Ratings from “AA” to “CCC” may be modified by the addition of a plus (+) or minus (-) sign to show relative standings within the major rating categories.

Further information on these ratings is available here .

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.

DAN Asia-Pacific Dive Insurance

Additional Travel Insurance Cover

• Skiing cover for clients who are doing back country/out of bounds (guided only), cat/heli-skiing on application

*Allianz Travel Insurance Additional Conditions and Exclusions

Skiing cover: leisure skiing/snowboarding within commercial ski fields marked and mapped runs., shark diving: no cover for any activity in the “pit”. cover for feeding the sharks is on application only., policy does not include cover for the following: any sports equipment whilst in use, water damage to cameras, underwater cameras when used underwater and normal baggage cover applies to these items at all other times..

Travel Insurance with Allianz Partners

Whether you are on a well-deserved holiday with friends or with family, it takes only a second for your trip to take an unexpected turn for the worse. travel insurance can help with unforeseen incidents and expenses if things go wrong whilst you are away..

Allianz offers two international plan options:

• The Essentials plan: Restricted benefits and lower policy limits
• The Comprehensive plan: Higher limits and extended benefits

International policies offer the following standard policy features:

• Selected cover* for epidemic and pandemic diseases such as Covid-19
• Cover for medical and repatriation expenses
• Emergency assistance provided 24 hours/7 days a week
• Replacement cover for baggage items less than two years old
• Dependent Children under 21 years covered at no additional charge
• Rental vehicle excess cover

You can also ask us for the following:

• Increased cover for specified high-value items (Comprehensive only)
• Cover for pre-existing medical conditions (Comprehensive only)

Your request will be subject to assessment, and if accepted, an additional premium may be payable.

*There is no cover for claims directly or indirectly arising from or caused by You commencing Your travel against the New Zealand Government's advice or against local government advice at Your overseas destination.

*There is no cover for lockdowns, changes in government alert levels, quarantine or mandatory isolation applying to a population or part of a population. As with any travel insurance, disinclination to travel due to fear or change of mind is not covered.

You should consider the full Policy Wording(s) before making any decisions about this travel insurance policy.

Terms, conditions, limits, sub-limits, and exclusions apply, and these are set out in the Policy Wording(s).  It is your responsibility to read and understand the Policy Wording prior to buying your insurance with us.

Click here to view the International Policy Wording . The Policy Wording(s) detail the benefits, terms, conditions, limits, sub-limits and exclusions available under each plan option.

The New Zealand Government recommends that all travellers obtain comprehensive travel insurance. Click here for further details.

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Insurance Claims

To make a claim, please click here to be taken to the online claims portal .

As part of your claim, you may be required to:

• provide supporting documentation such as original invoices, receipts, and other vouchers relating to your expenses or loss
• produce your policy details
• provide all the information we require so that your claim can be considered

For urgent claims, you can lodge your claim by calling Allianz Partners on 0800 800 048 (+64 9 486 0048 from overseas) and by submitting the fully completed claim form.

When you call, Allianz Partners require:

• your policy number
• details describing your emergency
• a contact phone number, including an area code

You may lodge your claim with the supporting documentation whilst travelling or upon your return to New Zealand. If you require assistance while you are away, please call the Allianz Emergency Assistance Team.

Contact Allianz Partners

Freephone within New Zealand

Phone Number: 0800 800 048

To Call From Overseas

For the Allianz Customer Care Team, Medical Assessment and Claims: +64 9 486 0048 For 24 Hour Emergency Assistance, reverse charge call through telephone operator: +64 9 486 6868

Customer Care Team: [email protected] Claim submission/additional information: [email protected]

PO Box 112 316, Penrose Auckland 1642

This insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia) ("Hollard"). You should consider the Policy Wording before making any decision about this insurance policy. Terms, conditions, limits, sub-limits and exclusions apply. The Hollard Insurance Company Pty Limited - Financial Stregth Rating and Overseas Policyholder Preference Disclosure Notice

The Hollard Insurance Company Pty Ltd has a financial strength rating of A- (Excellent) issued by A.M.Best Company Inc. The rating scale is:

A++, A+ (Superior)              C++, C+ (Marginal)               E (Under Regulatory Supervision)

A, A- (Excellent)                  C, C- (Weak)                         F (In Liquidation)

B++, B+ (Good)                   D (Poor)                                S (Suspended)

B, B- (Fair)

Further information on these ratings is available here.

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.

Allianz Partners Website | Terms and Conditions | Privacy Policy

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Why Ski New Zealand?

Simple - because every visitor to new zealand deserves the very best experience..

At Ski New Zealand we know that simply selling you one of our Ski Packages isn't enough to ensure a great experience.

That’s why we take the time to prepare our suggestions to include the things we know our guests want and will enjoy. Almost 90% of the SKI NZ packages we create and book are tailor-made for our guests. We take the time to consult with you, learn about your group’s abilities, the kind of place you enjoy staying in, how you want to travel up and down the mountain and of course how you want to feel about your Ski Holiday. By this we mean some people want to be completely exhausted and exhilarated at the end of each day, some want to take it easy, enjoy a few runs and then a coffee or a wine. Everyone is different. Our team of New Zealand specialists are based in Wanaka which if you didn’t already know is probably the best location to be in if you enjoy winter snow sports. Nearly everyone here enjoys skiing or snowboarding, some to extreme levels and others enjoy a more relaxed and family approach to the slopes. This means we have people who with real-life, real-time experience located right in the heart of New Zealand’s ski area. The advice they give comes with true local knowledge.

So if you want to explore Coronet Peak or the Remarkables in Queenstown, Cardrona, Snow farm or Treble Cone in Wanaka, Roundhill & Mt. Dobson in Tekapo or Mt. Hutt near Christchurch then talk to the team at Ski New Zealand before you book your next winter holiday.

Having your visit to New Zealand planned and managed by a dedicated and expert New Zealand based company ensures you see the best the country has to offer. Our up-to-date knowledge, independent advice and a comprehensive selection of accommodation options, vehicle types and activities means your tour is created to suit your interests, tastes and resources. A custom designed tour doesn't cost any more than an off the shelf itinerary and it means you get exactly what you want.

Questions to consider when planning your visit to New Zealand:

Taking the time to consider a few key questions will help with your decisions and planning. It will ensure your visit to New Zealand is everything you expect it to be. The main factors to consider when planning your visit to New Zealand will vary according to your personal circumstances. But we deal with some of the most common questions here.

The easy and short answer: anytime. Although we have distinct seasons there is no reason not to visit anytime.

The long answer:

There are a few factors that you might want to consider when deciding which season suits you. These are:

• The weather or season you might prefer
• Availability of specific activities in specific season 
• Driving conditions during specific seasons
• Cost and availability of flights to New Zealand
• Cost of accommodations and activities etc in specific seasons

The weather and our seasons:

New Zealand does experience the four distinctive seasons. Officially these are:

• Summer: December, January and February
• Autumn: March, April and May
• Winter: June, July and August
• Spring: September, October and November

What sort of temperatures and conditions does each season produce?

• Summer: Expect an average high of 25 C (76 F) in the north to around 22 C (72 F) in the south. Average lows (evening time) are 13 C (55 F) in the north to 12 C (54 F) in the south.
• Autumn: Expect an average high of 20 C (68 F) in the north to around 17 C (63 F) in the south. Average lows (evening time) are 11 C (52 F) in the north to 7 C (45 F) in the south.
• Winter: Expect an average high of 15 C (59 F) in the north to around 10 C (50 F) in the south. Average lows (evening time) are 6 C (43 F) in the north to 2 C (35 F) in the south.
• Spring: Expect an average high of 18 C (65 F) in the north to around 16 C (61 F) in the south. Average lows (evening time) are 9 C (48 F) in the north to 7 C (45 F) in the south.

See here for a seasonal high/low chart.

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Because life's a trip

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.

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Travel alerts: view the latest travel information  that may affect your trip. , travel insurance, get a quote.

Booked a trip? TINZ are a specialist New Zealand Travel Insurer offering cover to Kiwis for unforeseen events during travel. 

24/7 EMERGENCY ASSISTANCE

At TINZ 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.

TERRORISM COVER

 If you’re caught up in an act of terror, we’ll pay for your flight home, cover medical costs and in some cases provide you with reimbursement for trip cancellation.

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 in the country you are travelling.

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.

CHOICE OF COVER

Whether you’re after the bare essentials or fully comprehensive cover, TINZ offers a range of options to suit all types of travellers and budgets.

CRUISE COVER

Planning a cruise?  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

Get cover for the things you love. Whether you’re travelling in New Zealand or overseas, you're an avid skier, an adrenalin junkie, a gadget freak or a high-end holidaymaker, TINZ has the extra cover you’re looking for.

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!

SPECIFIC ITEMS

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.

LATEST ARTICLES

Travel insurance - the complete guide.

You've been dreaming about your holiday, the perfect break, the dream trip, what could go wrong? The truth is, on holiday, things often do. Perhaps the airline loses your luggage, or you're unlucky enough to get injured or become sick. Either way, taking the time to choose the travel insurance is a worthwhile investment. Our complete guide to travel insurance has you covered!

5 STAR TRAVEL INSURANCE

It's not just our customers that love us, our travel insurance products have been independently rated with  five stars by Canstar.

Cancellation cover can trip up many a conscientious traveller. Keep reading to get the low-down on TINZ's cancellation cover .

Most travel insurers exclude terrorism. However, Travel Insurance New Zealand covers you for cancellation, medical expenses and more. 

TRAVEL INSURANCE FAQ'S

We understand that travel insurance can be confusing, here are some of our most common questions.

Q. Can I buy a policy if I have already departed New Zealand?

Q. i am currently still on my trip and my policy ended, can i extend my policy, q. does tinz cover natural disasters, q. am i covered for riding a motorbike overseas.

• Yes, you’re covered to ride a motorbike provided that: - You are licensed to ride a motorbike in New Zealand. - You hold a valid motorbike licence for the country you are in. - You wear a helmet at all times while riding. You can ride a motorcycle that is the same capacity you are licensed to ride in Australia. If your licence restricts the engine size you can ride, then you will need to stick to that when you are away. Learn more in our guide to riding motorbikes and scooters overseas.

Q. What doesn’t travel insurance cover?

• It's important to be aware that all travel insurance policies have 'exclusions'. So, there are some things that we just can't cover you for. These certainly aren’t secret and can be found in our policy wording, but we want to highlight some of the things you’re unlikely to be covered for so that you can make smart decisions when heading on holiday. - You are generally not covered for reckless behaviour or deliberately putting yourself in harms way. - Not taking care of your personal belongings, such as leaving your things behind in public places. - You’rer not covered if you were drunk and the consumption of alcohol contributed to your loss. As for illegal recreational drugs, you're definitely not covered. - We have a general exclusion in relation to pandemics and epidemics. - You are not covered for pre-existing medical conditions that you failed to tell us about or take cover for. - You are not covered for events already known in the mass media at the time of purchasing your policy. Even though our policies have these exclusions, all TINZ customers are entitled to lodge a claim for review, which would be assessed based on individual facts and circumstances.

Q. Does TINZ cover pre-existing medical conditions?

• Yes, don't let an existing medical condition get in the way of your travels. We cover 35 medical conditions automatically for free. Any other conditions need to be declared through our easy online medical assessment. See more information about pre-existing illnesses here.

Q. Am I covered for a family emergency?

• Both TINZ’s Comprehensive & Comprehensive plans cover for additional travel expenses such as your return flight to New Zealand if a relative of either you, or travelling companion requires hospitalisation or dies unexpectedly. (no excess applies)

Q. What sports activities are covered by TINZ travel insurance?

• TINZ gives you the freedom to take that heart-pounding leap - worry free! Our optional Sports & Activities Cover provides you with cover for a range of more adventurous activities not covered under a standard policy. We cover things like cycling, snorkelling (depth limits apply) and water skiing for free. We offer extra cover for activities like canyoning, abseiling, trekking above 3000 meters. See our sports adventure activities page for more information.

Q. What is TINZ’s terrorism cover?

• While many travel insurers exclude cover for cancellation fees and lost deposits in the event of terrorism, under our Frequent Traveller and Comprehensive Plus plans we allow you to cancel in the event that MFAT travel warnings restrict you from travel. We provide $10 million worth of medical cover if you’re injured in a terror attack. Conditions apply. See more information about our terrorism cover here.

TRAVEL FACTS

Extortionate overseas medical fees, missed flight fails and holidays hurdles - these travel facts will convince you to never go abroad without a travel insurance policy again!

$50,000 is what it costs for 14 days of medical treatment in Thailand

25% of travellers admit to missing a flight

112,000 Kiwis chose to cruise each year

60% of travellers say they gain at least two kilos on holiday

28% of people fail to protect themselves on holiday

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