Adventure Awaits

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Coverholder at Lloyds
  • ALL
    TRAVEL ALERT: View the latest travel information that may affect your trip Learn More
  • BAL
    TRAVEL ALERT: Mount Agung, Bali Volcanic Activity Learn More
  • USA
    TRAVEL ALERT: Eruption of Kilauea, Hawaii,USA Learn More

BACKPACKER TRAVEL INSURANCE

Whether you've decided to backpack around Asia, live like a local in London or help build a school in Africa it's vital to get organised before your adventure. Zoom's backpacker travel insurance policy will cover your gap year for medical cover, trip cancellation, lost luggage, theft of cash, family emergencies and more! What are you waiting for? Zoom to it!

WHY BUY WITH ZOOM

Medical cover

medical cover

Relax knowing that your hospital expenses for injury or illness are covered on your gap year with Zoom's unlimited medical cover. Zoom to top notch cover!

scooter

riding a scooter

At Zoom, you're covered to ride a moped or scooter of any engine size provided you are licensed to do so in New Zealand!

luggage cover

COVER for your luggage

Your backpack and contents are precious and we get that. Take off on your gap year knowing your gadgets are protected with Zoom.

Adventure activities

Adventure activities

Diving in Denpasar or bungeeing in Queenstown? Get cover for your fast paced activities with our adventure pack. Cowabunga!

Family emergencies

Family emergencies

Had to rush home or cancel your trip due to a family emergency? We'll cover your non-refundable deposits so you can focus on the rest. Phew!

24/7 emergency assistance

24/7 assistance

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. Wherever you're zooming!

easy claims

easy claims

We've done away with lengthy forms and have kept our claims process simple. We guarantee to assess fully documented claims in a flash.

Car Hire Excess

Peace Of Mind

Zoom to Zen. You can sit back and relax on your holiday knowing that Zoom travel insurance is backed by Lloyd’s of London, one of the world’s most trusted insurers.

BACKPACKER TRAVEL INSURANCE FAQ'S

When you're wandering the globe, far away from home, it's important to be clued up on your cover. 
Whether you're a budget conscious backpacker looking for the cheapest policy, or your mum is telling you to research and get comprehensive cover. You'll find answers to the most common travel insurance queries below, so that you're in the know before you go!
  • How do I know if it's safe to travel?
  • The MFAT webisite is the place to go to see all the latest travel advice. Make sure you head there and check out their tips before you depart for your trip!

  • Am I covered for adventure activities during my gap year?
  • We automatically cover a wide range of adventure sports including diving, bunjee jumping, horse riding and more. You can also buy our Adventure Pack to cover additional adventure sports. 

  • Am I covered medically if I'm injured doing an adventure activity?
  • Yes. If you were to have an unforeseen accident on holiday while participating in a listed activity, your medical expenses would be covered, so long as you were not intentionally putting yourself at risk.

  • Am I covered to ride a motorbike or scooter?
  • At Zoom, you're covered to ride a motorbike or scooter of any engine size provided you are licensed to do so in New Zealand. If you do not have a valid motorbike license then you can only ride a bike of 50cc using your NZ drivers license. You must also be wearing a helmet at all times.

  • Am I covered for food poisoning, Malaria or Dengue fever?
  • Travelling around developing countries can put you at risk of contracting nasty diseases. However, you can rest assured that all our policies cover you for Unlimited medical benefits if you were to fall ill. This includes access to hospitals, ambulance, doctors and evacuation and even repatriation home if required.

  • Am I covered to volunteer while I backpack?
  • Yes, Zoom policies do not impose any restrictions on volunteering overseas, assuming you were not intentionally putting yourself at risk.  If you are working with animals on your gap year you must purchase our Adventure Pack to be covered for any sort of Animal Handling. 

  • Am I covered to study overseas on my gap year?
  • Yes, whether you're going overseas for business, pleasure or to study, Zoom's policies cover you if you have decided to further your education abroad. However, Zoom's policies have a maximum trip duration of 365 days, so bear this in mind when decided on your course duration. 

  • Am I covered to teach English abroad?
  • Yes, Zoom policies do not impose any restrictions on teaching English overseas, assuming you were not intentionally putting yourself at risk, or travelling to a destination that Smartraveller said DO NOT TRAVEL to.

  • How do alcohol and drugs affect my cover?
  • When it comes to alcohol we advise you to drink in moderation. Please note that we may exclude any claims where excessive drugs or alcohol have been involved.

  • I have high value items; how much can I insure them for?
  • If you have an expensive item like an SLR camera or laptop that you just can’t leave behind you can insure it separately for up to $5,000. Please note that high value item cover is only available under our comprehensive plan.

  • Am I covered for pick pocketing?
  • Yes, you’re covered for muggings provided of course, you were acting with reasonable care (i.e. did not leave your belongings unattended). If you’re the victim of a pickpocket (even of the cheeky monkey variety), you’d be covered for loss, theft and damage to your luggage and personal effects. If you are robbed it’s important that you get a police report and contact us as soon as possible.

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.  

FURTHER READING

Frequently asked questions 

Got questions on travel insurance before you zoom off? We're here to help put you on the travel map.

Read More

Travel Insurance for the UK 

Leaving for the motherland? Make sure you're ready our handy guide to all there is to see when your larging it in London!

Read More

Scuba Dive to
Cover

A scuba diving mishap on your holiday can quickly sink your trip! Dive to top cover with Zoom's scuba diving travel insurance.

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