Domestic travel insurance
Domestic Travel Insurance for Travel Around New Zealand
Vast national parks, rich Māori culture, serene beaches, untamed wilderness, world-class skiing and surfing – and all right here on our doorstep. If you’ve never got around to planning that dream staycation, now’s the time to discover all that Aotearoa has to offer.
Whether you’re planning a weekend city break to Wellington or a coastal beach escape to Abel Tasman National Park, SCTI Domestic Travel Insurance can help protect your trip when unexpected events affect your plans. For New Zealand travellers comparing travel insurance options for local holidays, domestic travel insurance can provide valuable protection against cancellation costs, travel disruption and lost belongings.
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Why do I need domestic travel insurance?
Many travellers focus on international travel insurance when heading overseas, but domestic travel insurance NZ can be just as valuable when travelling within New Zealand. Even short trips can involve significant prepaid accommodation and transport that may be difficult to recover if something unexpected happens.
While ACC may help cover accidental injuries in New Zealand, it doesn't cover costs such as:
- Cancelling your trip due to an unexpected event
- Additional transport and accommodation costs caused by travel disruption
- Extra pet boarding costs if you're delayed getting home
- Unused childcare expenses if your return home is delayed
A domestic trip can involve significant pre-paid expenses. Travel insurance can help cover eligible travel costs if things don't go to plan.
Why Compare Domestic Travel Insurance Policies?
When looking to compare travel insurance options, it's important to understand that not all policies offer the same level of protection. Some travellers may search for cheap travel insurance, but comparing benefits, limits and exclusions can help ensure you're choosing cover that suits your travel plans.
Reading travel insurance reviews, checking policy benefits and understanding what cover is available can help you make a more informed decision before you travel.
What's Covered Under SCTI Domestic Travel Insurance?
Our Domestic policy provides cover for a range of unexpected events that occur during your period of insurance. Conditions, exclusions and benefit limits apply.
Cancellation and Changes Before You Leave: If an unexpected event means you need to cancel or change your journey before departure, cover may be available for eligible unused pre-paid travel costs or reasonable additional expenses.
Travel Disruption After You've Left: If your journey is interrupted by an unexpected event after you've departed, cover may be available for eligible costs associated with rearranging travel plans or returning home early.
Luggage and Personal Belongings
Cover for eligible luggage and personal items that are lost, stolen or damaged during your trip.
Maximum cover:
- Up to $20,000 per person
- Item sub-limits and conditions apply
- Optional specified item cover available for higher-value belongings
Rental Vehicle Excess
Cover may be available for rental vehicle excess charges if your rental vehicle is stolen or damaged due to an unexpected event during your journey.
- Up to $6,000 per person
- No SCTI excess applies to this benefit
Optional Cruise Cover
Cruise-related costs are not automatically covered, but you can add optional Cruise Cover when you purchase your policy. Additional premium applies. Medical costs and medical evacuation are not covered while on a domestic cruise.
Cover for Families
Your premium includes cover for eligible dependent children travelling with you.
A dependent child is your child, stepchild, foster child or grandchild who:
- Is under 21 years old when your insurance starts
- Is not in full-time employment
Additional premiums may apply if cover is required for approved pre-existing medical conditions or specified personal items.
Pet Boarding Cover If You're Delayed
Unexpected travel delays can make it difficult to get home to your pets.
If an unexpected event delays your return home, we may cover additional pet boarding costs at a registered boarding facility.
Benefit limit
- Up to $50 per day with maximum cover up to $500 per person
Conditions, exclusions and eligibility requirements apply.
Childcare Expenses Cover
If an unexpected event delays your return home, we may cover non-refundable childcare costs you've already booked and can't use.
Benefit limit
- Up to $100 per day with maximum cover up to $500 per person
Conditions and exclusions apply.
Does domestic travel insurance cover medical expenses?
No, SCTI Domestic Travel Insurance does not cover medical treatment costs, medical expenses or evacuation costs within New Zealand. ACC provides personal injury cover for eligible people in New Zealand.
However, if you've disclosed and SCTI has agreed to cover an eligible pre-existing medical condition, you may still have cover for cancellation or journey disruption costs arising from that condition, subject to the policy terms and limits.
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Why Choose SCTI for Domestic Travel Insurance?
- Trusted New Zealand travel insurer
- Cover for cancellations and travel disruptions
- Cover for luggage and personal belongings
- Rental vehicle excess cover up to $6,000
- Cover for eligible pet boarding and childcare costs
- Covers travel throughout New Zealand
- Optional cruise cover available
- Easy online travel insurance quotes
Get a Domestic Travel Insurance Quote
Whether you're exploring the South Island, travelling for business, planning a family holiday or taking a New Zealand cruise, domestic travel insurance can help protect you when unexpected events affect your plans.
Get a travel insurance quote online and see why SCTI is trusted by New Zealand travellers looking for comprehensive travel insurance solutions both at home and overseas.
Get a quote online today
Domestic travel insurance FAQ's
Is domestic travel insurance worth it in New Zealand?
Domestic travel insurance can help protect non-refundable travel expenses if unexpected events affect your trip. It may also provide cover for luggage, travel disruption, rental vehicle excess and other eligible costs that ACC does not cover.
What does domestic travel insurance cover?
Depending on the circumstances of your claim, cover may include:
- Cancellation and travel changes
- Travel interruption
- Lost, stolen or damaged baggage
- Rental vehicle excess
- Personal liability
- Pet boarding costs
- Childcare expenses
- Optional cruise cover
Conditions, exclusions and limits apply.
Does domestic travel insurance cover flight cancellations?
If an unexpected event causes you to cancel or change your journey, cover may be available for eligible unused prepaid costs or additional expenses, subject to the policy terms and conditions.
Does domestic travel insurance cover rental cars?
The policy includes rental vehicle excess cover of up to $6,000 per person if a rental vehicle is stolen or damaged due to an unexpected event during your journey. Conditions apply.
Does domestic travel insurance cover cruises in New Zealand?
Cruise cover is not automatically included. You can add optional Cruise Cover when purchasing your policy. Medical costs and medical evacuation are not covered while on a domestic cruise. Additional premium applies.
Does domestic travel insurance cover medical expenses?
No, the policy does not cover medical treatment, medical expenses or evacuation costs within New Zealand.
Does domestic travel insurance cover road trips?
Yes, domestic travel insurance can cover eligible journeys throughout New Zealand, including road trips. Cover may include cancellation costs, luggage, rental vehicle excess, travel interruption and other benefits, depending on your circumstances and the policy terms.
Can I buy domestic travel insurance online?
Yes. You can arrange online travel insurance through SCTI and receive a travel insurance quote before purchasing cover.