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Please select at least 1 country or destination.
Please select departure and return date.
Please input traveller age(s).
The maximum number of people you can have on a Zoom policy is 25.
Your kids go free
This means your dependent children or grandchildren under the age of 19 at the date of policy issue who are travelling with you. Please enter all travellers ages including dependants.
 

COMPARE TRAVEL INSURANCE PLANS


Heading on family escape for a long-awaited break? Zoom provides travel insurance plans for a range of holidays. Compare our policies below:

COMPARE PLANS

(Benefits are per adult) Expand to see benefits in detail
Medical Only Standard Comprehensive MOST POPULAR
MEDICAL Unlimited Unlimited Unlimited
24/7 Emergency Assistance Services Unlimited Unlimited Unlimited
24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
Overseas Emergency Medical & Hospital Expenses^ Unlimited Unlimited Unlimited
Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.
Includes Dental Expenses (per person) $500 $500 $500
Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
Additional Expenses - $10,000 $50,000
Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas)
Includes Family Emergency - Yes Yes
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)
Includes Resumption of Journey - $3,000 $3,000
Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)
Includes Emergency Companion Cover - Yes Yes
Additional accommodation and travel expenses you incur to remain with your travelling companion. (no excess applies)
Hospital Cash Allowance^^ - $2,500 $5,000
An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
Accidental Death - - $25,000
A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)
Permanent Disability^^ - - $25,000
A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)
Loss of Income^^ - - $10,400
Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to New Zealand. (no excess applies)
CANCELLATION - Unlimited Unlimited
Cancellation Fees & Lost Deposits - Unlimited Unlimited
Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.
Alternative Transport Expenses - - $5,000
Reasonable travel expenses incurred to reach special events such as weddings, funerals, conferences and sporting events on time following transport delays beyond your control. (no excess applies)
Travel Delay Expenses - - $2,000
Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
LUGGAGE - $5,000 $7,500
Luggage & Personal Effects - $5,000 $7,500
Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops and tablets. Please note there is no cover for mobile phones or smartphones.
Luggage & Personal Effects Delay Expenses^^ - - $250
Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)
Travel Documents & Transaction Cards^^ - $2,000 $5,000
Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
Theft of Cash^^ - - $250
Cover for cash, bank notes, currency notes, postal orders or money orders stolen from you during your journey.
PERSONAL LIABILITY $2,500,000 $2,500,000 $5,000,000
Personal Liability $2,500,000 $2,500,000 $5,000,000
Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.

Medical Only

Show Benefits
  • MEDICAL Unlimited
  • Overseas Emergency Medical Assistance^ Unlimited
  • 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
  • Overseas Emergency Medical & Hospital Expenses^ Unlimited
  • Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.
  • Includes Dental Expenses (per person) $500
  • Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
  • Additional Expenses -
  • Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas)
  • Includes Family Emergency -
  • 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)
  • Includes Resumption of Journey -
  • Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)
  • Includes Emergency Companion Cover -
  • Additional accommodation and travel expenses you incur to remain with your travelling companion. (no excess applies)
  • Hospital Cash Allowance^^ -
  • An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
  • Accidental Death -
  • A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)
  • Permanent Disability^^ -
  • A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)
  • Loss of Income^^ -
  • Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to New Zealand. (no excess applies)
  • CANCELLATION Unlimited
  • Cancellation Fees & Lost Deposits Unlimited
  • Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.
  • Alternative Transport Expenses -
  • Reasonable travel expenses incurred to reach special events such as weddings, funerals, conferences and sporting events on time following transport delays beyond your control. (no excess applies)
  • Travel Delay Expenses -
  • Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
  • LUGGAGE -
  • Luggage & Personal Effects -
  • Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets. Please note there is no cover for mobile phones or smartphones.
  • Luggage & Personal Effects Delay Expenses^^ -
  • Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)
  • Travel Documents & Transaction Cards^^ -
  • Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
  • Theft of Cash^^ -
  • Cover for cash, bank notes, currency notes, postal orders or money orders stolen from you during your journey.
  • ANCILLARY $2,500,000
  • Personal Liability $2,500,000
  • Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
  • Rental Vehicle Insurance Excess Optional
  • Cover for the excess payable on your rental car's insurance in the event of accidental damage or theft during the car rental period.
  • Note: Benefit limits shown are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller.

    ^^ There is no cover for these benefits while travelling in New Zealand.

    Sub-limits apply to some sections. Please refer to the section titled Cover Benefits In Detail of this PDS for more information.

Standard

Show Benefits
  • MEDICAL Unlimited
  • Overseas Emergency Medical Assistance^ Unlimited
  • 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
  • Overseas Emergency Medical & Hospital Expenses^ Unlimited
  • Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.
  • Includes Dental Expenses (per person) $500
  • Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
  • Additional Expenses $30,000
  • Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas)
  • Includes Family Emergency Yes
  • 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)
  • Includes Resumption of Journey $3,000
  • Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)
  • Includes Emergency Companion Cover Yes
  • Additional accommodation and travel expenses you incur to remain with your travelling companion. (no excess applies)
  • Hospital Cash Allowance^^ $2,500
  • An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
  • Accidental Death -
  • A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)
  • Permanent Disability^^ -
  • A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)
  • Loss of Income^^ -
  • Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to New Zealand. (no excess applies)
  • CANCELLATION Unlimited
  • Cancellation Fees & Lost Deposits Unlimited
  • Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.
  • Alternative Transport Expenses -
  • Reasonable travel expenses incurred to reach special events such as weddings, funerals, conferences and sporting events on time following transport delays beyond your control. (no excess applies)
  • Travel Delay Expenses -
  • Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
  • LUGGAGE $5,000
  • Luggage & Personal Effects $5,000
  • Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets. Please note there is no cover for mobile phones or smartphones.
  • Luggage & Personal Effects Delay Expenses^^ -
  • Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)
  • Travel Documents & Transaction Cards^^ $2,000
  • Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
  • Theft of Cash^^ -
  • Cover for cash, bank notes, currency notes, postal orders or money orders stolen from you during your journey.
  • ANCILLARY $2,500,000
  • Personal Liability $2,500,000
  • Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
  • Rental Vehicle Insurance Excess Optional
  • Cover for the excess payable on your rental car's insurance in the event of accidental damage or theft during the car rental period.
  • Note: Benefit limits shown are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller.

    ^^ There is no cover for these benefits while travelling in New Zealand.

    Sub-limits apply to some sections. Please refer to the section titled Cover Benefits In Detail of this PDS for more information.

Comprehensive

Show Benefits
  • MEDICAL Unlimited
  • Overseas Emergency Medical Assistance^ Unlimited
  • 24 Hour emergency medical assistance services, access to trained medical advisers, medical evacuation, hospital expense guarantees, ambulance fees, messages to family, and funeral arrangements.
  • Overseas Emergency Medical & Hospital Expenses^ Unlimited
  • Overseas medical treatment if you are injured or become sick overseas, including hospital stays, surgery, prescription drugs, and doctor visits.
  • Includes Dental Expenses (per person) $500
  • Cover for emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth.
  • Additional Expenses $50,000
  • Cover for additional travel expenses if you cannot travel because of an injury or sickness (whilst overseas)
  • Includes Family Emergency Yes
  • 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)
  • Includes Resumption of Journey $3,000
  • Reimbursement for the cost of airfares for you to return to the place where your journey was interrupted in the event of a relatives death or hospitalisation, following serious injury or illness. (no excess applies)
  • Includes Emergency Companion Cover Yes
  • Additional accommodation and travel expenses you incur to remain with your travelling companion. (no excess applies)
  • Hospital Cash Allowance^^ $5,000
  • An allowance of $50 per day if you are hospitalised for more than 48 continuous hours whilst overseas.
  • Accidental Death $25,000
  • A benefit payable if you die because of, and within 12 months, of an accidental bodily injury sustained during your journey. (no excess applies)
  • Permanent Disability^^ $25,000
  • A lump sum benefit if you suffer a total permanent disability as result of an accidental injury during your trip. (no excess applies)
  • Loss of Income^^ $10,400
  • Weekly benefit payable if you become disabled within 30 days of an injury you sustained during your journey, and you are unable to work more than 30 days after returning to New Zealand. (no excess applies)
  • CANCELLATION Unlimited
  • Cancellation Fees & Lost Deposits Unlimited
  • Cover for cancellation fees and prepaid travel expenses that you cannot recover when your trip is cancelled or cut short due to unexpected events such as illness, injuries, accidents, strikes and natural disasters.
  • Alternative Transport Expenses $5,000
  • Reasonable travel expenses incurred to reach special events such as weddings, funerals, conferences and sporting events on time following transport delays beyond your control. (no excess applies)
  • Travel Delay Expenses $2,000
  • Cover for reasonable meal and accommodation expenses if your journey is disrupted for more than 6 hours due to circumstances beyond your control. (no excess applies)
  • LUGGAGE $7,500
  • Luggage & Personal Effects $7,500
  • Repair or replacement cost of any personal effects that are lost, stolen or accidentally damaged during your journey. This includes items such as cameras, laptops, tablets. Please note there is no cover for mobile phones or smartphones.
  • Luggage & Personal Effects Delay Expenses^^ $250
  • Cover to purchase essential personal items following your luggage and personal effects being delayed, misdirected or misplaced by your carrier for more than 12 hours. (no excess applies)
  • Travel Documents & Transaction Cards^^ $5,000
  • Replacement cost of lost or stolen travel documents including passports and credit cards. This includes costs incurred due to fraudulent activity on your credit card not already covered by the financial institution.
  • Theft of Cash^^ $250
  • Cover for cash, bank notes, currency notes, postal orders or money orders stolen from you during your journey.
  • ANCILLARY $5,000,000
  • Personal Liability $5,000,000
  • Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
  • Rental Vehicle Insurance Excess Optional
  • Cover for the excess payable on your rental car's insurance in the event of accidental damage or theft during the car rental period.
  • Note: Benefit limits shown are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller.

    ^^ There is no cover for these benefits while travelling in New Zealand.

    Sub-limits apply to some sections. Please refer to the section titled Cover Benefits In Detail of this PDS for more information.

Note: Benefit limits shown are per adult traveller. For accompanying dependants, the policy benefits are shared with the adult traveller.

^^ There is no cover for these benefits while travelling in New Zealand.

Sub-limits apply to some sections. Please refer to PDS for more information.

 

WHY BUY WITH ZOOM

Car Hire Excess

Money Savings

Our prices are lower than some of our competitors. We'll also match any quote for equal cover with our price match guarantee. 

Car Hire Excess

Cover In A Flash

We provide fast quotes and an easy buying process. Buy direct today to get immediate cover. 

Car Hire Excess

24 Hour Help

Our expert emergency assistance is available 24 hours a day, 7 days a week. 

Car Hire Excess

Medical Screening

Get cover for your medical conditions when you travel. You can declare your pre-existing conditions in our online assessment. 

money back guarntee

Money Back GuArantee

Our 14 days money back guarantee means you can cancel your policy and we'll give you a full refund. 

Car Hire Excess

Easy Claims

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

scooter

RIDING A 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. 

Car Hire Excess

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.