Domestic travel insurance

Cover from just $34!*

Vast national parks, rich Maori 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, you may want to consider covering yourself with domestic travel insurance whilst you’re away from home, so you can travel with peace of mind.

If you’re travelling as a family, we also cover your dependant children under 18 on your policy at no extra cost. 

Why do I need domestic travel insurance?

Even though you may be covered for medical events by ACC, there are still other unexpected events that could derail your travel plans, even when you’re exploring your own back yard. Your flight could be cancelled, you may have to return home early if a family member is taken into hospital, or a cheeky kea could damage your rental car!

What does domestic travel insurance cover?

Our domestic travel insurance can provide cover for: 

  • Cancelling or changing your travel plans before you leave
  • Changing your travel plans once you have left
  • Luggage and personal items
  • Rental vehicle excess
  • Pet care costs if you’re delayed getting home
  • Childcare costs if you’re delayed getting home
  • Funeral expenses
  • Cash allowance whilst in hospital
  • Personal accident
  • Personal liability

View our key benefits page for more detailed information on your level of cover.


Does domestic travel insurance cover medical emergencies?

It’s important to know that our domestic travel insurance doesn’t cover medical expenses. ACC provides insurance cover for personal injury for everyone in New Zealand, whether a citizen, resident or visitor. This means if you are injured by an accident in New Zealand, ACC may pay some of your medical and rehabilitation costs.

We still ask that you tell us about your pre-existing medical conditions (PECs) when you buy a domestic policy. This means that if you need to cancel or delay your trip due to a PEC, you’ll be covered for cancellation costs under your policy.


Cover for your furry friends

Whether you’ve got a playful pooch, a cuddly cat, or a carrot-crunching rabbit, it’s worrying when you can’t get home to your beloved pets. So, if an unexpected event delays your journey home, we’ll cover the extra daily costs of keeping your pets in a boarding facility, such as a kennel or cattery. We pay up to $50 for each day and up to $500 for each paying person.

We can cover claims if:

  • An unexpected event delays your return home
  • The pet boarding facility is a registered business

We can't cover claims for:

  • Any animals that don't normally live with you at your home. We may ask you to provide evidence that an animal lives in your home, such as a microchip registration or a pet insurance policy
  • Any daily fees you incur from the day after you return home
  • Anything under 'E. General exclusions - things we never cover' in the policy document


Cover for the kids

It’s annoying when you can’t get home as planned. So, if an unexpected event delays your journey home, we cover the cost of any childcare you’ve already booked but can’t use and is not refundable. We pay up to $100 for each day and up to $500 for each paying person. This policy only covers the children receiving the care. 

We can cover claims if:

  • You’ve booked the childcare for after the date your journey was supposed to ends
  • The childcare facility is a registered business
  • You can’t get a credit or refund for your booking

We can’t cover claims for:

  • Any children that don’t normally live with you at your home
  • Any daily fees you incur from the day after you return home
  • Anything under ‘E. General exclusions — things we never cover’ in the policy document 

How do I buy domestic travel insurance?

You can get a quote and buy a policy online. Alternatively, you can call us on 0800 800 571.


Benefits of choosing Southern Cross Travel Insurance

1. We're based in New Zealand

Not only are we based in New Zealand, but we’re also 100% New Zealand owned. For over 38 years, we’ve worked hard to become one of the country’s most respected and knowledgeable travel insurers, and we’re proud to offer comprehensive cover for your travels around our beautiful home. 


2. We offer 24/7 emergency assistance

If the unexpected happens, we're here to help. Our emergency assistance team is available 24 hours a day, 7 days a week, so you can access help whenever you need it.

3. Making a claim is easy

We're committed to making the claims process as quick and stress-free as possible. If you need to make a claim, you can do this through our online portal and we'll guide you through the process, every step of the way.

4. We cover your adventures

We know that New Zealand is one the world’s ultimate adventure destinations, which is why we automatically cover activities such as on-piste winter sports, caving, abseiling, outdoor rock climbing, parachuting, paragliding, parasailing, hang gliding, bungee jumping, white water rafting, plus more!

5. We offer group cover

Whether it’s a bunch of friends or a school trip, you can cover up to 30 people on a single domestic travel insurance policy. 


We’ve kept things simple

As part of our commitment to our customers, we’ve created a policy document that is simple and easy to understand, so that you can be confident knowing what you are and are not covered for.

Our policy wording has been awarded the WriteMark, a quality mark given to documents that achieve a high standard of plain language. The WriteMark shows that our policy document:

  • Has been checked against rigorous criteria
  • Is focused on the needs of the intended audience
  • Is easy to read, understand, and act on

What is ‘plain language’?

We're proud to be the first travel insurer in New Zealand to have its domestic travel insurance policy awarded the WriteMark.


*$34 terms and conditions

The price advertised is for one person aged 65 years old and under, buying a Domestic policy for three days with a $100 excess. Premium does not include any optional extra cover. For full details of what is included, please refer to the policy document.