Book an appointment here

Travel Insurance

Get the right advice from insurance professionals

Or speak to a broker 0800 374 691


How much is travel cover?

Travel insurance cost

Travel insurance can vary greatly in cost, depending on numerous factors such as the length of your trip, destination, and what kind of coverage you need. On average, travel insurance can cost anywhere between 4% to 10% of your total trip cost.

What factors determine the cost of travel insurance?

Several factors determine the cost of travel insurance.

Length of your trip

The longer you're away, the more your insurance will typically cost.


If you're traveling to places with high medical costs, like the United States, or high-risk areas, your insurance could be more expensive.

Age of travelers

Generally, the older you are, the more you might pay for insurance because the risk of needing medical assistance increases with age.

Level of coverage

Choosing a policy with a high level of coverage for things like medical expenses, cancellation, or property loss will raise the price.

Activities covered

If you're planning to do activities that are considered risky, like skiing or scuba diving, you may need to pay extra for coverage.

Pre-existing medical conditions

If you have existing health issues, you may need to pay more for coverage or take out a specialized policy.

How much is travel insurance Gerrards

Why do travel insurance costs differ?

  • The cost depends on how expensive your trip is since insurance is often a percentage of this total cost.
  • Different coverage levels come with varying prices; comprehensive plans cost more.
  • Personal details like your age and health, as well as where you’re traveling, can change the cost.

How can you figure out the right travel insurance amount?

To find the right coverage amount, you should:

  1. Consider the full cost of your trip for cancellation coverage.
  2. Think about the activities you’ll do and if they’re covered.
  3. Understand your current health insurance to see if additional coverage is needed.

Here at Gerrards, we can guide you through evaluating these factors to ensure you select the right amount of coverage for your needs.

How much is travel insurance Claim

What Are the Disadvantages and Advantages of Travel Insurance?

  • Financial Protection: It can save you from enormous expenses due to unexpected events.
  • Peace of Mind: Insurance can ease worries about what could go wrong.
  • Assistance Services: Many plans offer help around the clock for emergencies.
  • Cost: It’s an extra expense on your travel budget.
  • Complexity: Understanding the terms of different policies can be difficult.
  • Coverage Limits: Not everything may be covered, especially pre-existing conditions.

How can you make sure you’re choosing the right travel insurance policy?

To choose the right policy, you should:

  1. Compare different policies and not just look at the price but what’s covered.
  2. Read all the details so you know what’s included and what’s not.
  3. Consider purchasing insurance early to cover cancellations before your trip starts.
  4. Make sure your policy covers your whole trip, from start to finish.


Gerrards can assist you in navigating these steps, ensuring you’re properly informed and selecting a policy that truly fits your travel plans.

What are some frequent misconceptions about travel insurance?

Misunderstandings include:

  1. Believing it’s only for medical issues, while it also covers trip interruptions and loss.
  2. Assuming all activities are covered when some require extra coverage.
  3. Confusing travel insurance with regular health insurance, which it isn’t.

How can Gerrards help?

As a specialist in travel insurance in New Zealand, Gerrards can:

  • Help you understand the different types of travel insurance and what is best for your trip.
  • Guide you through the process of selecting the right coverage options.
  • Provide support if you need to make a claim while you’re traveling or after you return home


Travel insurance is a critical aspect of trip planning that can save you from significant financial loss and stress. By understanding what it covers and how it works, you can travel with confidence, knowing you’re protected against the unexpected. Gerrards is here to ensure that your travel insurance meets your needs so that you can focus on the adventure ahead.

What our clients are saying