Even well-planned trips can face unexpected problems, such as flight delays, lost baggage, or medical emergencies overseas.
Travel insurance can help cover some of these unexpected costs.
FlightKart can help you understand and arrange travel insurance for your trip at an additional cost. FlightKart is an authorised seller of selected travel insurance policies and may receive a commission when you purchase a policy.
Our Insurance Providers
FlightKart can help you arrange travel insurance from the providers below. The relevant insurer or its appointed administrator is responsible for issuing, managing and handling claims for each policy.
- Kiwi Holiday Insurance: Policies issued from 1 December 2025 are underwritten by Southern Cross Travel Insurance.
- Allianz Travel Insurance: Underwritten by Mitsui Sumitomo Insurance Company, Limited, and administered by AWP Services New Zealand Limited, trading as Allianz Partners.
- Cover-More: Administered by Cover-More (NZ) Limited and underwritten by Zurich Australian Insurance Limited, trading as Zurich New Zealand.
- Uni-Care: Underwritten by nib nz limited. Its plans mainly cover international visitors, students and working-holiday travellers.
- GO Insurance: Underwritten by Certain Underwriters at Lloyd’s. The policy wording identifies the underwriter for each product.
Insurance products and terms may change. Always read the policy wording an
Why Consider Travel Insurance
Travel insurance can give you extra protection when things do not go as planned.
Depending on the policy you choose, it may cover things such as:
- Emergency medical treatment
- Trip cancellation/interruption
- Flight delays
- Missed connections
- Lost or delayed baggage
- Lost or stolen personal items
- Emergency travel assistance
- Other unexpected travel problems
The cover you receive depends on the policy you buy. Different insurance plans have different rules, limits, and exclusions.
Travel Insurance for International Trips
It is a good idea to consider travel insurance before you leave New Zealand.
Medical treatment in another country can cost a lot. Your current insurance may not cover these costs.
Travel insurance may also help with certain costs if your trip is cancelled, delayed, or cut short because of an event covered by your policy.
When you book international flights with FlightKart, you can ask our team about travel insurance and the available options.
Travel Insurance for Trips Within New Zealand
Domestic trips can also be affected by cancellations or delays. Some providers offer travel insurance for eligible trips within New Zealand, depending on the provider and policy. Our team can help you check which options may suit your trip.
What Can Travel Insurance Cover
The cover you get depends on the insurer and the plan you choose.
Depending on the policy, you may get cover for:
Medical Emergencies
If you get sick or hurt while travelling, your insurance may help cover your medical costs. Some policies may also help pay for your trip back home if needed.
Flight Delays and Cancellations
If your flight is delayed or cancelled, your travel insurance may cover some costs. Check your policy to see what is covered.
Lost or Delayed Baggage
If your baggage is lost, stolen, or delayed, your insurance may cover some costs. Keep your receipts and other documents in case you need to make a claim.
Personal Belongings
Some policies provide cover for personal items that are lost, stolen, or damaged during your trip.
There may be limits for expensive items such as laptops, cameras, phones, or jewellery. Check your policy before travelling.
Trip Cancellation or Changes
Plans can change. Your travel insurance may cover some costs if you want to cancel or change your trip for a reason covered by your policy. Check your policy first.
Travel Insurance Limitations
It is important to understand what your policy does and does not cover.
Some events, activities, medical conditions, or situations may be excluded. For example, some policies have special rules for pre-existing medical conditions or certain adventure activities.
The insurer may only pay up to a certain amount for some claims.
Before you buy a policy, read the policy wording carefully. If you do not understand something, ask the insurer for help.
Pre-Existing Medical Conditions
If you have a medical condition that existed before you bought your travel insurance, tell the insurer if they ask about it.
Pre-existing medical conditions are not always covered automatically. Some insurers may offer cover for certain conditions or allow you to add cover for an extra cost.
Do not assume that a medical condition is covered. Check with the insurer before you travel.
When Should You Buy Travel Insurance
It is a good idea to get travel insurance soon after booking your trip.
Buying it early may help cover some unexpected problems that happen before your trip, depending on your policy.
For example, if you need to cancel your trip for a reason covered by your policy, you may be able to claim some non-refundable costs.
How FlightKart Can Help
Planning a trip involves many things, from finding the right flight to making sure you have the right travel documents.
FlightKart can help arrange travel insurance at an additional cost when you book your trip with us, and may also help with insurance on its own.
Our team can help you understand the options available from participating providers. The cover you receive will depend on the policy you choose.
If you would like travel insurance with your booking, let our team know.
Your Responsibility When Buying Insurance
When you apply for travel insurance, make sure the information you provide is correct and complete.
You should:
- Read the policy documents before buying
- Check the cover and limits
- Check whether your activities are covered
- Understand the exclusions
- Tell the insurer about information they ask for
- Contact the insurer quickly if something goes wrong
- Check the rules for pre-existing medical conditions
- Keep receipts and important travel documents
Giving incorrect or incomplete information may affect your cover or claim. New Zealand Consumer Protection guidance also advises travellers to be honest with their insurer and follow the insurer’s instructions.
Need Help With a Claim?
Contact your insurer as soon as possible to start the process.
The insurer will review your claim based on the policy you purchased. You may need to provide documents such as receipts, medical records, booking information, or reports about lost or stolen items.
Keep all documents related to your claim and follow the insurer’s instructions.
Claims are assessed and paid by the insurer, not by FlightKart. We can point you to the right contact and may provide reasonable help with booking documents or travel records, but you must submit your claim directly to the insurer and follow its claims process.
FlightKart Travel Insurance Disclaimer
FlightKart is an authorised seller of selected travel insurance policies and may receive a commission when a policy is sold. Our team can help travellers understand the options available from participating providers, including Kiwi Holiday Insurance, Allianz Travel Insurance, Cover-More, Uni-Care and GO Insurance.
FlightKart is not a licensed insurance broker. The relevant insurer or appointed administrator issues and manages the policy and handles claims. Cover depends on the policy’s terms, conditions, limits, exclusions and eligibility requirements. Customers must follow the claims process set by the relevant insurer or administrator.
Before purchasing insurance, please read the policy wording, including the benefits, limits, exclusions, excess, and other conditions.
The information on this page is general knowledge only. It is not a promise that a particular loss, expense, cancellation, delay, medical event, or other situation will be covered.
If you have questions about what your policy covers, please contact the relevant insurer.
Questions About Travel Insurance?
Travelling overseas? We can help with travel insurance.
When you book your flight with FlightKart, ask our team about travel insurance options for your trip.
Book your flight and ask us about travel insurance.