One calculator for two policy types
Switch between single-trip and annual multi-trip cover without entering the same details twice. The comparison panel shows both scenarios and a simple break-even trip count.
New Zealand · Single trip and annual cover
Travel insurance cost calculator NZ
Estimate a broad travel insurance cost range, compare a single trip with annual multi-trip cover, and see every planning assumption before requesting quotes.
Four trip details · Optional cover settings · No travel dates, medical details or contact information required
Modelled single trip cost
$131
Planning range $104–$164
Cost per day
$9.34
Per-person equivalent
$131
Single trip or annual?
One similar single trip
$131
Annual policy scenario
$315
On these assumptions, annual cover becomes worth comparing at about 3 similar trips in 12 months.
Estimate breakdown
- 14-day starting scenario
- $131
- Destination region
- 1.00×
- Age · Under 55
- 1.00×
- Travelling party
- 1.00×
- Cover level
- 1.00×
- Excess · $250
- 1.00×
The per-person figure is an equivalent only. Couple and family policies are priced as a group, and child eligibility differs between providers.
Planning range only: This is not an insurer quote, eligibility check or recommendation. It does not use live insurer pricing or assess medical conditions. Replace the result with current personalised quotes.
Important choices stay optional
Destination, duration, age and travelling party create the first result. Cover level, excess and activities sit inside one optional fine-tuning section.
Annual does not mean continuous travel
Annual multi-trip insurance generally covers several return journeys during a policy year. Each journey must stay within the policy's maximum trip duration and other conditions.
Health information belongs in a quote
The calculator deliberately avoids medical questions. Travellers still need to declare conditions as required and confirm whether cover is automatic, assessed, excluded or available at extra cost.
How to compare travel insurance quotes
Request quotes for the same travellers, destinations, dates, excess and activities. Then compare benefits and policy wording beside the price; a cheaper policy can provide different limits, sub-limits or exclusions.
Medical and evacuation
Compare the benefit limit, assistance process and any destination or age restrictions. Do not judge this protection from premium alone.
Cancellation cover
Check the selected limit against prepaid non-refundable bookings, and read when cancellation cover starts and which events are excluded.
Luggage and valuables
Look beyond the overall luggage limit to item sub-limits, depreciation, unattended-property rules and evidence required for a claim.
Excess and add-ons
Compare how often the excess applies and whether cruises, snow sports, scooters, adventure activities or rental vehicles require extra cover.
Single trip or annual multi-trip?
Single-trip cover is designed around one journey and its actual dates. Annual multi-trip cover can reduce repeated administration for frequent travellers, but it still has a maximum duration for each journey. Some providers offer different duration choices for domestic, nearby and wider international travel.
The break-even result divides the modelled annual premium by one comparable single-trip premium and rounds up. It is a prompt to collect quotes, not proof that annual cover will be cheaper: destination regions, family rules, benefits and add-ons may differ between the policies being compared.
How this travel insurance estimate works
The single-trip model starts with $44 plus $6.20 for each travel day. The annual model starts at $315 for a policy with trips up to 30 days. The calculator then applies transparent factors for destination, the oldest traveller's age, travelling party, cover, excess, activities and—on annual cover—the longest individual trip.
These starting amounts and factors are KiwiTools budgeting assumptions, not insurer rates or claimed market averages. The displayed range runs from 20% below to 25% above the midpoint to make uncertainty visible, but actual quotes can fall outside it.
| Setting | Factor |
|---|---|
| Australia and Pacific | 0.82× |
| Asia | 0.94× |
| Europe and United Kingdom | 1.00× |
| United States and Canada | 1.38× |
| Worldwide or several regions | 1.22× |
| Setting | Factor |
|---|---|
| Under 55 | 1.00× |
| 55 to 64 | 1.20× |
| 65 to 74 | 1.65× |
| 75 to 84 | 2.40× |
| 85 or older | 3.20× |
Travelling party
Solo 1.00× · two adults 1.80× · family 2.15×
Cover and excess
Essentials 0.62× · comprehensive 1.00× · higher cover 1.27×. Excess choices range from 1.13× at $100 to 0.82× at $1,000.
Annual maximum trip
Up to 30 days 1.00× · 31–45 days 1.12× · 46–60 days 1.25× · 61–90 days 1.48×
Travel insurance sources for New Zealanders
SafeTravel explains the risks and checks to consider before travelling. Provider pages illustrate current annual multi-trip structures and why maximum trip duration matters. Read the policy wording attached to any quote because products and eligibility can change.
SafeTravel NZ — travel insurance guidanceSouthern Cross — annual multi-trip insuranceCover-More NZ — annual multi-trip insuranceFinancial Markets Authority — insurance guidance
Reviewed 6 October 2026. Products, prices and travel advisories can change; confirm the latest information before buying or travelling.
Travel insurance calculator questions
How much does travel insurance cost from New Zealand?
There is no single market price. Destination, trip length, traveller ages, who is covered, benefit level, excess, activities, medical assessment and insurer pricing can all change a quote. This calculator provides a broad planning range rather than a market average.
Is annual multi-trip insurance the same as 12 months of continuous cover?
No. Annual multi-trip policies generally cover multiple return journeys during a 12-month policy period, with a maximum duration for each trip. The available duration choices and conditions vary by insurer.
When might annual travel insurance cost less?
Annual cover can become worth comparing when the modelled annual premium is lower than buying a similar single-trip policy for every journey. The calculator shows a break-even trip count, but actual quotes and cover must be compared on equivalent terms.
Why does destination affect the estimate?
Insurers group destinations or regions when pricing cover. Medical costs, travel distance, local conditions and the countries included can affect the premium and policy options. Enter every destination when requesting a real quote.
Does the estimate include pre-existing medical conditions?
No. The model does not collect medical information or add a medical loading. Declare conditions as required by the insurer and check whether they are automatically covered, excluded, assessed or available for an extra premium.
Are cruises, skiing and adventure activities automatically covered?
Not always. Some policies include an activity, while others require an add-on or exclude it. The optional setting applies a broad planning factor only; confirm the exact activity, destination, altitude, equipment and supervision rules in the policy wording.
Does a lower excess always make a policy better?
No. A lower excess can increase the premium, while a higher excess can leave more for you to pay on an eligible claim. Compare the premium, excess, benefit limits, sub-limits and exclusions together.
Is this a travel insurance quote or recommendation?
No. It is a transparent budgeting scenario and does not check eligibility, medical conditions or current insurer prices. Request personalised quotes and read the current policy wording before buying cover.
Travel insurance guides NZ
Understand costs, annual versus single-trip cover, benefits, overseas travel, inbound insurance, providers, medical conditions and cruises before requesting quotes.
Travel Insurance NZ: Costs, Cover and Key ChecksUnderstand New Zealand travel insurance costs, cover choices and exclusions, then compare policies for an overseas trip without relying on price alone.Read guide Annual vs Single-Trip Travel Insurance NZ: Which to Choose?Compare annual and single-trip travel insurance in New Zealand, including journey limits, destinations, cancellation cover and when to request both quotes.Read guide Travel Insurance Cover NZ: Limits and ExclusionsLearn what NZ travel insurance may cover for medical emergencies, cancellations, luggage, delays and liability, plus the limits and exclusions to check.Read guide Travel Insurance Abroad from NZ: Key Checks Before You BuyPlan travel insurance abroad from New Zealand by checking destinations, medical cover, advisories, activities and documents before requesting comparable quotes.Read guide Inbound Travel Insurance NZ: Visitor ChecklistUnderstand travel insurance to New Zealand for overseas visitors, including inbound eligibility, medical costs, activities, visas and policy-duration checks.Read guide NZ Travel Insurance Companies: How to Compare OptionsCompare NZ travel insurance companies by policy type, medical cover, limits, excess and assistance instead of treating one provider list as a ranking.Read guide Travel Insurance and Medical Conditions NZ: Your OptionsUnderstand how pre-existing conditions can affect NZ travel insurance, including disclosure, automatic cover, medical assessment, exclusions and pricing.Read guide Cruise Travel Insurance NZ: How to Avoid Cover GapsCheck cruise travel insurance from NZ for onboard medical treatment, evacuation, missed ports, cancellation, activities, international waters and claims.Read guide