What travellers say about the travel insurers sold in New Zealand, gathered from Trustpilot, Google, Feefo and the other review platforms we track. Some providers only have international review profiles, and the table says where that is the case. This page covers customer experience only: buying a policy, emergency assistance overseas and claims.
Travel insurance reviews come from two very different moments. Most are written right after buying a policy and are usually positive, while the reviews that matter most describe a claim or a medical emergency overseas. Read the complaint themes for each provider alongside the headline score.
| Provider | Overall | Reviews counted | Positive | Negative | Platform scores |
|---|---|---|---|---|---|
| 1Cover | 4.4/5 | 1,424+ | 89% | 9% | Compare Travel Insurance 4.4, Trustpilot 4.4, CTI claims experience 2.3 |
| TINZ Travel Insurance | 4.4/5 | 380+ | 80% | 20% | Compare Travel Insurance 4.4, CTI claims experience 1.9, TINZ website 4.3 |
| World Nomads | 4.2/5 | 6,586+ | 74% | 22% | Global Trustpilot profile, not NZ-specific. Trustpilot (worldnomads.com) 4.2 |
| Zoom Travel Insurance | 4.1/5 | 104+ | 67% | 28% | Trustpilot 3.9, Compare Travel Insurance 4.3, CTI claims experience 2.8 |
| Southern Cross | 3.9/5 | 2,254+ | 74% | 16% | Trustpilot (Travel - SCTI) 4.5, Trustpilot (Health) 2.3 |
| Allianz Partners | 3.8/5 | Limited public data | 78% | 18% | Australian reviews (ProductReview.com.au). ProductReview.com.au (Allianz Travel) 3.8, ProductReview.com.au (Worldcare) 4.4 |
| Cover-More | Limited data | Limited public data | - | - | Mostly Australian Trustpilot reviewers. Google (Cover-More NZ) 4.8 |
The themes that come up most often in each provider's reviews, with one example of praise and one of criticism where we found them.
Buying the policy was quick and easy, and the price was competitive.Paraphrased from Trustpilot, 2026
A $25 claim turned into a long back-and-forth over documents. Far too pedantic for such a small amount.Paraphrased from Trustpilot, 2026Read the full 1Cover review
A serious medical emergency stopped our trip before we left. TINZ settled the whole claim within 23 days.Paraphrased from Compare Travel Insurance, 2024
The exclusions are too broad. Flight cancellations, civil unrest and airline collapses are all carved out.Paraphrased from Compare Travel Insurance, 2024Read the full TINZ Travel Insurance review
Setting up the insurance was straightforward and simple.Paraphrased from Trustpilot (NZ reviewer), 2026
Four months on, my claim is still not settled even though I have met every requirement they asked for.Paraphrased from Trustpilot (Spain-based reviewer), 2026Read the full World Nomads review
Got quotes from five companies and Zoom was the cheapest. Adding rental car excess cover was straightforward.Paraphrased from Trustpilot, 2026
Our daughter fell ill and we could not travel to Bali. The claim was declined despite medical evidence. Too many terms and conditions.Paraphrased from Trustpilot, 2026Read the full Zoom Travel Insurance review
Travel claim was processed within five days. The online portal made it easy and the payout matched what I expected. Very happy with SCTI.Paraphrased from Trustpilot, 2025
Claim denied for a procedure my GP said was medically necessary. Appeals process was slow and frustrating. Expected better from NZ's biggest health insurer.Paraphrased from Trustpilot, 2024Read the full Southern Cross review
After reading negative reviews I expected a fight, but our Patagonia cancellation claim was approved in about two weeks.Paraphrased from ProductReview.com.au (Australian customer), 2025
A flight delay made us miss our connection. They kept asking for documents I had already supplied instead of getting them through the proper channels.Paraphrased from ProductReview.com.au (Australian customer), 2026Read the full Allianz Partners review
Our trip cancellation claim went through smoothly. Communication was excellent and the team was professional from start to finish.Paraphrased from Trustpilot (NZ reviewer), 2026
My husband was hospitalised in Spain. The claim was approved, but paying the hospital dragged on for months despite repeated promises.Paraphrased from Trustpilot (NZ reviewer), 2026Read the full Cover-More review
Among the travel insurance providers we track with at least 100 reviews from New Zealand customers, 1Cover has the highest overall score at 4.4/5 from 1,424+ reviews, followed by TINZ Travel Insurance (4.4/5) and Zoom Travel Insurance (4.1/5). Scores cover each brand as a whole and change over time, so check the date on each full review.
Each overall score is the customer sentiment score from our full review of that provider. It aggregates ratings from public platforms such as Trustpilot, Google and Feefo, weighted by review volume, with platforms holding fewer than 50 reviews given less weight. Quotes are paraphrased summaries of real customer reviews, and scores built on self-published or overseas review profiles are marked in the table. The scores describe customer experience only and say nothing about the price or cover of any policy.
These ratings describe customer experience only. To compare cover, prices and policy features, see our travel insurance comparison, or browse all NZ insurance company reviews.
Disclaimer: Reviews and ratings on this page are for informational purposes only and do not constitute financial advice. Scores are drawn from third-party review platforms at the date shown on each full review and may have changed since. Always verify details directly with the insurer.