Travel Insurance for New Zealand

Waking up to snow-capped peaks in Queenstown, wandering through the glowworm-lit caves of Waitomo or catching your breath at the sight of Fiordland’s waterfalls, New Zealand doesn’t just impress, it leaves you in awe. Every corner feels like a postcard come to life, and when you are surrounded by so much natural beauty, the last thing you want is to get interrupted by a travel issue. But having travel insurance means you are never navigating such problems alone.

Imagine getting ready to board a ferry to explore the Bay of Islands, only to realise your passport has gone missing. In a place where each day is an experience, from Māori cultural encounters to kayaking past hidden coves, you don’t want to lose time chasing paperwork.

IndusInd Travel Insurance (formerly Reliance Travel Insurance) understands your travel needs. Our New Zealand Travel Insurance plans offer coverage for passport loss, so you can get assistance when it matters most.

And if your baggage gets delayed or lost en route to Christchurch or Rotorua, we’ve got your back. Our coverage helps you replace the essentials and keep your trip moving. With quick, paperless claims through the IndusInd Insurance app, support is always just a few taps away. Because when you are in a land this spectacular, the journey deserves to continue, no matter what.

Why to - H2

Why 8 Crore+ Policyholders Choose Us?

From surreal mornings in Queenstown to star-filled nights in Lake Tekapo, every moment in New Zealand feels like a scene from a dream. To keep it that way, IndusInd New Zealand Travel Insurance (formerly Reliance New Zealand Travel Insurance) steps in when the unexpected tries to interrupt, so you can stay focused on the wonder, not the worries.

Location - Travel Insurance

$500,000 Coverage

High Medical Coverage

24/7 Customer Support

Get help anywhere in New Zealand

AI-Powered App

Quick processes and 24/7 support

No Medical Check-ups

Just apply, pay and download!

Benefits of Buying New Zealand Travel Insurance

Health Emergencies Covered

Hiking up to Roy’s Peak or exploring geothermal valleys in Rotorua is unforgettable, but a sprained ankle on a trail or a sudden allergic reaction to native plants like mānuka can quickly lead to an unplanned hospital visit. With medical coverage of up to USD 500,000*, you can access quality care in case of an unexpected emergency without worrying about the treatment costs.

Lost Passport Help

When strolling along Auckland’s Viaduct Harbour or exploring souvenirs at Queenstown’s bustling markets, it is easy to misplace personal items during busy hours. Passports often end up left behind at café counters or at shopping counters. With coverage of up to USD 300*, our plan helps cover the cost of reissuing your passport, so you can get back to your trip without delays.

Flight Delay Support

New Zealand’s weather can be as dramatic as its landscapes. Strong winds in Wellington or sudden fog in Christchurch can affect regional flight schedules, sometimes causing delays or missed connections. If your flight is delayed by more than 12 hours, you can get up to USD 60/day*. For missed connecting flights, you can claim up to USD 500* to help rebook tickets.

Bag Delay & Loss

When travelling across islands or hopping between towns like Napier and Nelson, compact airports can occasionally lead to bags arriving late or not at all. Should your luggage be delayed for more than 12 hours, you can claim up to USD 100*. If it is lost entirely, our plan covers up to USD 1500*, so you can replace essentials without derailing your plans.

Liability Protection Included

Renting a campervan to explore the South Island’s wild beauty is a wonderful experience. But unfamiliar road signs or narrow paths can sometimes lead to road mishaps. If you happen to injure someone or damage someone’s property, our personal liability coverage of up to USD 200,000* ensures you are protected against any resulting expenses, so things don’t spiral into costly disruptions.

Emergency Funds Access

Whether you drop your wallet during a hike near Franz Josef Glacier or it slips out unnoticed on a busy ferry between the North and South Island, losing access to your funds can throw your plans off course. Our emergency cash benefit offers up to USD 300* to cover immediate expenses like meals, transportation or accommodation, helping you manage the unexpected situation with ease.

Key Features

Key Features of IndusInd New Zealand Insurance

Individual Travel Plan

Catching your breath at the edge of a Fiordland waterfall, hiking the volcanic trails of Tongariro or cruising past glacier-fed lakes, New Zealand is made for the adventurous soul. IndusInd New Zealand Travel Insurance is made to protect exactly these kinds of journeys. Whether it’s a twisted ankle on a solo trek or a weather delay that reroutes your plans, here’s how this cover supports your Kiwi adventures:

Key Features-Individual Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$500,000
Personal liability	$100,000	$200,000
Personal accident	$20,000	$30,000
Total loss of baggage	$1,000	$1,500
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 6 Days)	$60/day (maximum cap of 6 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹3,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Family Travel Plan

From watching dolphins in the Bay of Islands to exploring Hobbiton or stargazing in Lake Tekapo, New Zealand offers unforgettable moments for the whole family. IndusInd New Zealand Travel Insurance is designed to keep those moments uninterrupted. Whether it’s a sudden illness, lost luggage or a change in plans, here’s how it supports your family journey:

Key Features-Family Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$250,000
Personal liability	$100,000	$200,000
Personal accident	$15,000	$25,000
Total loss of baggage	$500	$1000
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 5 Days)	$50/day (maximum cap of 7 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹1,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Disclaimer: Please refer to the official policy documents for detailed information linked here.

Inlcusion Exclusion

IndusInd New Zealand Insurance: Inclusions & Exclusions

Location - Travel Insurance

What is covered?

Emergency Care: Covers medical and dental treatment resulting directly from accidental injuries sustained during your trip.

Pre-existing Diseases: If a pre-existing condition becomes life-threatening while travelling, emergency treatment costs will be covered.

Third-Party Liability: If you accidentally injure someone or damage their property, we’ll cover the resulting medical or repair expenses.

Travel and Baggage Delay: Covers delays due to medical emergencies, bad weather, job loss or security issues. Baggage delays exceeding 12 hours are also covered.

Lost Passport: If your passport is lost or stolen during your trip, the plan helps cover the cost of getting you a replacement.

Location - Travel Insurance

What is not Covered?

Planned Treatment: Travelling to any Asian country solely for medical treatment, surgery or cosmetic procedures is not covered under the policy.

Undeclared Pre-existing Diseases: Medical emergencies related to pre-existing illnesses that were not disclosed before purchasing the plan will not be covered.

Pregnancy-Related Exclusion: If you are over 30 weeks pregnant, any expenses related to childbirth or associated complications during the trip are excluded.

Legal Violations: Costs arising from legal issues, including situations that result in your passport being seized by authorities, are not covered.

Negligence: Claims won’t be accepted for missed flights caused by personal delays or failure to carry necessary travel documents.

Disclaimer: Please refer to the official policy document for detailed inclusions and exclusions.

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How to Buy?

How to Buy IndusInd New Zealand Travel Insurance?

Getting the right travel protection for your trip to New Zealand is now simpler than ever. With IndusInd General Insurance, your policy will be issued long before you even zip up your suitcases. Here’s how:

Location Travel Insurance

Select Trip Type

Scroll up to the form on top and select your travel purpose.

Enter Your Details

Enter your travel dates, DOB and choose New Zealand as your destination.

Compare & Select

For an instant quote pick your SI in calculator below and click "Compare Plans".

Complete KYC

Enter your phone number and complete the online KYC process.

Pay & Get Policy

Pay online and get your New Zealand travel insurance plan instantly via email.

Homepage Curated Plans Client Extension

How to Claim?

How to Claim IndusInd New Zealand Travel Insurance ?

Location Travel Insurance

Cashless

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network garages.

Steps to file a cashless claim

For medical claims, let us know via our helpline or email using your policy number.

Check if the hospital accepts cashless claims & submit the claim form.

IndusInd Care (previously Reliance Care) will review the claim and your documents.

Upon approval, we place a Guarantee of Pay (GoP) to the hospital.

If the hospital does not agree to the GoP, you can always file a reimbursement claim.

Location Travel Insurance

Reimbursement

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network
garages.

Steps to file a Reimbursement claim

Get in touch via our helpline or email for luggage delays, trip cancellations, etc.

Complete the claim form and gather all other necessary documents.

You might need to submit a passport copy, flight tickets, emails from the airline or FIR.

IndusInd Care (previously Reliance Care) will review the claim to decide its approval.

After approval, the compensation or benefit amount will be disbursed to you.

Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support. It takes around 30 working days* to settle your claim from the date of submitting the final claim document.

Types of Visas for New Zealand

Indian travellers visiting New Zealand can apply for visas based on their travel purpose through the official Immigration New Zealand (INZ) website. Another option is to use authorised visa application centres such as VFS Global.

Visitor Visa

Ideal for Indian tourists, family visitors or short-term business travellers. Allows stays of up to 9 months for tourism, family visits or short business activities. Note that work is not permitted on this visa.

Partner / Family Visa

For Indian spouses, partners or dependent children of New Zealand citizens or residents. It allows joining family and may permit work or study depending on eligibility.

Transit Visa

Required for Indian nationals transiting through New Zealand airports without entering the country. Some exemptions apply if holding valid visas for Australia, Canada, the UK or the USA.

Student Visa

For Indian students accepted into a New Zealand university or college. It is valid for the full course duration and permits up to 20 hours per week part‑time work during term and full‑time during breaks.

Post‑Study Work Visa

For Indian students who complete eligible qualifications in New Zealand. Level 7 (Bachelor’s) or higher may get up to 3 years open work visa. Lower levels may get work visas matching the study duration, but the job must relate to the qualification. Must apply within 3 months of student visa expiry.

Work Visa

For Indian nationals with a job offer from a New Zealand employer. The most common path is the Accredited Employer Work Visa (AEWV), requiring skills matching and employer accreditation.

Embassy Contact Details: India and New Zealand

Parameters	New Zealand Embassy in India	Indian Embassy in New Zealand
Location	Delhi, India	Wellington, New Zealand
Address	Sir Edmund Hillary Marg, Chanakyapuri, 110021, New Delhi, India	72 Pipitea Street, Thorndon, Wellington – 6011
Contact Number	+91(11)46883170	(+64) 4-473-6390
Email Address	nzhcindia@mfat.govt.nz	hoc.wellington@mea.gov.in
Website	https://www.mfat.govt.nz/en/countries-and-regions/asia/india	https://www.hciwellington.gov.in/
Operating Days	Monday to Friday	Monday to Friday
Operating Hours	9:00 am-1:00 pm, 2:00 pm-5:00 pm	9:00 am-12:30 pm, 16:00 pm-17:00 pm

Best Time to Visit New Zealand

From sipping Pinot in golden autumn to chasing waterfalls under a high summer sky, in New Zealand, each time of year offers a different kind of magic. Here’s what the crowds won’t tell you:

December to February

What to Expect: Warm, sunny weather ( 20°C - 26°C )

Perfect for: Beach holidays, hiking and visiting festivals like Rhythm & Vines, World Buskers Festival and New Year events.

Tourist Flow: Highest during this time.

Flights and Hotel Rates: High

Return Airfare from India (Approx): ₹75,000-₹82,000*

Keep in Mind: Since daylight hours are long and the sun is fairly strong, carry protective clothing and sunscreen.

Mar-May, Sep-Nov

What to Expect: Mild and pleasant (autumn: 17 °C - 21 °C), (spring: 16°C - 19 °C)

Perfect for: Hiking, vineyard visits, enjoying harvest festivals and catching a glimpse of the whale migrations.

Tourist Flow: Moderate

Flights and Hotel Rates: Lower than summer

Return Airfare from India (Approx): ₹65,000-₹78,000*

Keep in Mind: There may be occasional rain during spring; carry rain protection.

June to August

What to Expect: Cool, cloudy and damp (12°C - 16 °C)

Perfect for: Skiing and snowboarding, visiting hot springs and enjoying winter festivals.

Tourist Flow: Low

Flights and Hotel Rates: Low

Return Airfare from India (Approx): ₹62,000-₹70,000*

Keep in Mind: Carry extra layers, sunscreen and ski goggles to beat the cold.

Interesting Facts About New Zealand

Middle-earth is Real - New Zealand isn’t just where ‘The Lord of the Rings’ was filmed, the Hobbiton’s rolling hills and iconic round doors are still there, and you can walk through them.

Adventure Capital - Queenstown is a wonderland for thrill seekers. From bungee jumping off cliffs and jet boating through rivers to skydiving over mountains, the town has it all!

Maori Traditions - Here, cultural experiences aren’t performances. They’re shared stories, food and ceremonies that connect you to New Zealand’s indigenous soul.

Starry Skies - Thanks to low light pollution, places like Tekapo offer some of the clearest views of the Milky Way and sometimes even the Southern Lights.

First Light on Earth - While Samoa enters the new day first, Gisborne is the first city to actually see the sunrise, thanks to its location and the Earth’s curve.

Coastline’s Always Near - Wherever you are in New Zealand, the ocean is never more than 128 km away. It is perfect for spontaneous beach days.

Nation of Reserves - With 30% of its land protected, New Zealand is one of the world’s true eco-paradises. It is home to lush forests, glaciers and magnificent volcanic valleys.

Dolphin with Mickey Ears - Milford Sound is home to the Hector’s dolphin, one of the world’s smallest and rarest dolphin subspecies. Their unique dorsal fins look like Mickey Mouse ears.

Clearest Waters on Earth - Blue Lake in Nelson Lakes National Park holds the record for the clearest lake in the world, with underwater visibility up to 80 meters.

Three Kiwis - Only in New Zealand can one word mean more than one thing. It’s the name of a shy, flightless bird, native to the land, a sweet green fruit once known as the Chinese gooseberry and a proud nickname for New Zealanders themselves.

Essential Apps for Your New Zealand Trip

Accommodation

You can use apps like Booking.com, Expedia, Agoda and Hotels.com for booking hotel rooms at discounted rates. For a more local experience, you can try Airbnb or Bookabach.

Navigation & Transport

You can use Google Maps or Waze if you are driving and need live traffic updates. Apart from private transport like Uber or Ola, you can also use AT Mobile or the Metlink app for public transport. Options like InterCity or Scenic Rail are also available for intercity travel and scenic train bookings.

Food Delivery

Apps like Uber Eats, DeliverEasy and Menulog are popular food-delivery apps used across New Zealand for discounts and quick deliveries. But if the weather’s nice and you are up for a stroll, stepping out to explore a local café or takeaway spot can be a rewarding experience too.

Sightseeing and Events

Use apps like Bookme, Klook, Eventfinda and Viator to find festivals, tours and local attractions. You can also get VIP bookings or tickets at discounted rates. You can also use them to check what’s happening nearby so you don’t miss out on local events during your stay.

Key Takeaways

New Zealand has become a dream destination for Indian travellers. From dramatic landscapes, serene lakes, to the warmth of Maori culture and adventure sports like skydiving and bungee jumping, the country has something for everyone. But unpredictable weather and long travel periods can lead to hiccups like missed flights or baggage delays.

Missing a connecting flight, especially when you're headed to smaller cities like Napier or Dunedin, can mean rescheduling transport, rebooking accommodation, or even skipping a planned experience. This is where IndusInd Travel Insurance (formerly Reliance Travel Insurance) becomes your travel companion, so you can continue your trip without worrying about any what-ifs.

Our plan covers up to USD 500* for missed connections, helping you manage the cost of new tickets, last-minute bookings or unexpected overnight stays. With up to USD 500,000* coverage, we help you avoid small issues that can interrupt your big experiences.

Plus, with our IndusInd Insurance app, you can quickly file your claims online and get them settled in no time. Whether your flight is delayed, your luggage arrives late, or your passport goes missing mid-adventure, our reliable 24*7 support backs your travel. With premiums starting at just ₹306*, plan your New Zealand adventure smartly by having IndusInd New Zealand Travel Insurance by your side!

Author - Location Travel

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

New Zealand Travel Insurance Plans Starting at Just ₹306*

Secure Your New Zealand Adventure Today!

From hiking in Fiordland National Park to discovering Christchurch's charm, you stay protected with IndusInd New Zealand Travel Insurance. We ensure your adventures remain care-free!

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4.7 ★ ★ ★ ★ ★ (45)

I recently purchased my Travel insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Yogya Kolliboina

Rangareddy

4.5

Seamless digital experience

I had a positive experience while applying for Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Saroja Kolliboina

Rangareddy

From start to finish, the process of getting my Travel insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Padmanabhan

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Alpabharat Gala

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

I was going on a simple holiday and wanted basic cover without unnecessary additions. I only paid for my exact travel dates, and the coverage level felt right for where I was travelling.

For my Europe trip, I mainly wanted medical cover. I could see the hospital and emergency details clearly, so I did not have to overthink while choosing the plan.

Caroline Ghosh

MUMBAI

Easy application

The process of applying for my travel insurance policy was simple and quick to complete.

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What documents should I carry while travelling to New Zealand?

A valid passport (with at least 6 months of validity). A valid New Zealand Visitor Visa (if applicable for your travel category). Confirmed return tickets. Travel insurance (recommended, with both physical and digital copies). Recent bank statements or credit card copies. Hotel bookings or an invitation letter if staying with friends/family.

What should I pack for my trip to New Zealand?

Pack a pair of comfortable walking or hiking shoes, especially if you plan to explore New Zealand’s scenic national parks. Include weather-appropriate layers, as the weather can change quickly throughout the day. Bring a waterproof jacket or windbreaker to stay dry and warm during rainy or windy conditions. Carry a universal travel adapter, as New Zealand uses Type I plugs with a 230V supply. Don’t forget essentials like sunscreen, sunglasses, and insect repellent, particularly for the summer months. Include modest clothing in your luggage if you intend to visit Māori maraes or other spiritual sites. Pack basic medicines and any prescribed medication in travel-sized kits for easy access during your trip.

Is travel insurance mandatory for New Zealand?

No. Travel insurance is not mandatory for Indian travellers visiting New Zealand on a tourist visa. However, it is highly recommended. As a visitor, you won’t be eligible for the country’s public healthcare system, and medical expenses can be quite high. For example, an emergency room visit in New Zealand can cost between NZD 300 to NZD 1,500, which is roughly ₹15,600 to ₹78,000*. IndusInd General Insurance offers travel insurance plans that provide medical coverage up to USD 5,00,000, which can help cover such unexpected costs. (*Approx. conversion rate - 1 NZD = ₹52)

What are some safety tips to keep in mind when travelling to New Zealand?

Respect local wildlife, Māori customs and protected natural areas. Carry a copy of your passport, visa and travel insurance at all times. Dial 111 for emergencies, whether it’s for police, medical help or fire. Don’t leave bags or valuables unattended in public places. Always carry a valid ticket on public transport. Fare evasion may lead to fines up to NZD 150, which is roughly ₹7,800*. Jaywalking is discouraged, especially in cities like Auckland and Wellington. Crossing outside pedestrian zones may attract fines of NZD 35, which is roughly ₹1,820*. Littering in public areas or scenic reserves can result in fines ranging from NZD 100 to NZD 400, which is roughly ₹5,200 to ₹20,800* (*Approx. conversion rate - 1 NZD = ₹52)