What activities are you doing?
Set your activities and tier.
What this solves
Most standard travel-insurance policies exclude or limit high-adventure activities. NZ sells more adventure-tourism activities than almost anywhere else — bungee, jet boat, heli-ski, glacier heli-hike, rafting, mountain biking. A single helicopter rescue off Mt Cook can cost $5,000–$10,000 NZD. A heli-ski accident can cost $50,000+ in medical bills. Some basic policies cover only "leisure" and exclude all "adventure" beyond walking and swimming.
This tool gives you a gap analysis based on your activities and insurance tier.
How to read the result
- Covered — likely covered at this tier. Verify before booking.
- Limited — covered only with conditions (e.g. licensed operator only, or lower altitude).
- Excluded — typically not covered. Either change policy or self-insure.
Limitations
- Policies vary widely between companies. Check your own policy wording.
- "Mid-tier" assumes one of the major insurers; some specialty insurers may differ.
FAQ
Q: Does ACC cover visitors?
A: Yes. ACC (NZ's no-fault injury scheme) covers medical costs from accidents for visitors too. Travel insurance covers the rest (cancellation, repatriation, etc.).
A: Yes. ACC (NZ's no-fault injury scheme) covers medical costs from accidents for visitors too. Travel insurance covers the rest (cancellation, repatriation, etc.).
Q: Are licensed operators safer?
A: Yes. Many insurance policies only cover activities done with a licensed operator.
A: Yes. Many insurance policies only cover activities done with a licensed operator.
Q: What if I get hurt while uninsurable?
A: ACC covers accident-related medical care in NZ. You pay for repatriation home yourself.
A: ACC covers accident-related medical care in NZ. You pay for repatriation home yourself.