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⭐ In-Depth Review | Updated September 2026

Zoom Travel Insurance Reviews

Zoom is an online travel insurance brand run by Auckland-registered The Insurance Geeks Limited and underwritten by HDI Global Specialty SE. It won three Canstar Outstanding Value awards for 2025, but its Trustpilot reviews are split between happy buyers and unhappy claimants. Here is what the ratings, the policy wording and the reviews show.

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Last reviewed: 28 September 2026 • Sources: Trustpilot, Compare Travel Insurance, Canstar, Zoom policy wording
4.1/5
Poor Average Excellent
104+
total reviews
"Got quotes from five companies and Zoom was the cheapest. Adding rental car excess cover was straightforward."
Trustpilot, 2026 ★★★★★
"Clear policies at a fair price, and when I claimed I got a prompt reply. The website is easy to use too."
Trustpilot, 2026 ★★★★★
"The headline price looks good, but it climbs quickly once you add cover or declare a condition. The quote form also took a few attempts."
Trustpilot, 2026 ★★★☆☆
"Customer service fixed a problem with my policy email within a couple of minutes."
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."
Trustpilot, 2026 ★☆☆☆☆
"A claim for stolen belongings paid very little once depreciation was applied, and replacement medication was not covered."
Trustpilot, 2026 ★☆☆☆☆
67%
Positive
5%
Mixed
28%
Negative

In This Review

Company Overview Ratings Breakdown Customer Review Highlights Products Offered Pricing Deep-Dive Pros & Cons How Zoom Compares Alternatives to Zoom Who Is Zoom Best For? Our Verdict Frequently Asked Questions Our Methodology

Company Overview

What is Zoom Travel Insurance and who is behind it?

Zoom Travel Insurance is a registered business name of The Insurance Geeks Limited (NZ company number 5904999, FSP505566), a company registered in April 2016 with an Auckland address. Zoom sells travel insurance online only. It says its founders have been selling travel insurance online for around eighteen years.

Zoom does not carry the risk itself. The insurer is HDI Global Specialty SE - New Zealand (FSP 774050), the New Zealand branch of a German insurer that belongs to the Talanx Group. Coffre-Fort Pty Ltd acts as the underwriting agent, which means it issues policies and handles and settles claims on the insurer's behalf, according to Zoom's policy wording dated 4 March 2026.

The Insurance Geeks Limited also trades as TINZ (Travel Insurance NZ), so Zoom and TINZ are two brands from the same company. 1Cover is a separate company but shares the same insurer and underwriting agent, and 1Cover's chief operating officer is also a director of The Insurance Geeks Limited.

In its first year of assessment, Zoom won three Canstar Outstanding Value awards for 2025: International, Cruise and Seniors travel insurance. Zoom offers:

Policies can be cancelled for a full refund within 14 days of purchase if you have not started your trip or made a claim. Pre-existing medical conditions are not covered automatically. You declare them and complete an online medical assessment, and cover only applies once Zoom confirms it in writing.

Ratings Breakdown

How customers rate Zoom across review platforms

Trustpilot
3.9
★★★★☆
43 reviews
Small sample
Compare Travel Insurance
4.3
★★★★☆
61 reviews
CTI claims experience
2.8
★★★☆☆
Sub-score of the 61 reviews
Weakest category
Canstar
Outstanding Value
★★★★★
2025 International, Cruise & Seniors

Note on rating differences: Zoom's Trustpilot profile is small (43 reviews) and polarised, with 58% five-star and 28% one-star reviews. Buyers praise price and ease of purchase, while most one-star reviews describe declined or reduced claims. Compare Travel Insurance shows a higher 4.3/5 overall, but its claims experience sub-score is only 2.8/5. Canstar awards measure price and features, not claims service. We weight ratings by review volume and consider all available data sources. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.

What Customers Are Saying

Common themes from 104+ reviews on Trustpilot and Compare Travel Insurance

Compared five travel insurers and Zoom was the cheapest. The application was simple and adding rental car excess cover took seconds.

Trustpilot, 2026 ★★★★★

My laptop was damaged on the trip. The claim went smoothly and the staff member handling it was supportive throughout.

Compare Travel Insurance, 2024 ★★★★★

When my daughter needed medical help overseas, the assistance team helped and even followed up afterwards to check on her.

Compare Travel Insurance, 2025 ★★★★★

The policy is hard to follow and the claim needed a lot of documents. It feels restrictive once something goes wrong.

Trustpilot, 2026 ★★★☆☆

A claim of about $3,700 was cut to around $900 after depreciation on fairly new items, and the excess came off what was left.

Trustpilot, 2026 ★☆☆☆☆

The quote went from about $640 to more than $3,000 after I disclosed well-managed medical conditions.

Trustpilot, 2026 ★☆☆☆☆
67%
Rate Zoom 4 or 5 stars on Trustpilot
28%
Rate Zoom 1 star on Trustpilot
4.4/5
Value for money score on Compare Travel Insurance
2.8/5
Claims experience score on Compare Travel Insurance

Reviews are paraphrased summaries of real customer feedback, not direct quotes. Percentages are taken from Zoom's Trustpilot star distribution (43 reviews) and category scores from Compare Travel Insurance (61 reviews), both as viewed in September 2026.

Products Offered

Zoom sells travel insurance only, with five plans and optional add-ons

✈️ Zoom Comprehensive

Available

Zoom's top single-trip plan and the one Canstar rated Outstanding Value for 2025. Available up to age 85 (trips of up to 90 days for ages 80 to 85). Limits below are from the 4 March 2026 policy wording.

Unlimited overseas medical
Cancellation up to your chosen limit
$10,000 luggage & personal effects
$2,000 travel delay
$5M personal liability
Rental vehicle excess optional
Quote-based pricing
Visit Website Compare Travel Insurance

🧳 Zoom Standard & Medical Only

Available

Two cheaper overseas plans for travellers aged 69 or under. Standard keeps cancellation and luggage cover at lower limits, while Medical Only covers emergency medical costs without cancellation or luggage cover.

Unlimited overseas medical (both)
Standard adds $5,000 luggage
Standard adds chosen cancellation limit
$2.5M personal liability
Age 69 or under
Quote-based pricing
Visit Website Compare Travel Insurance

🔁 Zoom Frequent Traveller

Available

Annual multi-trip cover for people who travel several times a year. Available to travellers aged 69 or under.

Unlimited overseas medical
Multiple trips in 12 months
$5,000 luggage
$2.5M personal liability
Quote-based pricing
Visit Website Compare Travel Insurance

🏞️ Zoom Domestic

Available

Cover for trips within New Zealand, available up to age 85, with rental vehicle insurance excess included.

Cancellation up to your chosen limit
$5,000 luggage
$5,000 rental vehicle excess
$5M personal liability
Quote-based pricing
Visit Website Compare Travel Insurance

❤️ Zoom Health Insurance

Not Offered

Zoom sells travel insurance only. For private health cover, compare providers such as Southern Cross and nib.

Not available from Zoom
N/A
Visit Website Compare Health Insurance

🏠 Zoom Car, House & Contents Insurance

Not Offered

Zoom does not sell car, house or contents insurance. For those, consider AA Insurance, Tower, or the insurance brand Cove for car cover.

Not available from Zoom
N/A
Visit Website Compare Car Insurance

Pros & Cons

The good and the not-so-good based on customer reviews and our analysis

👍 Pros

  • Three Canstar Outstanding Value awards for 2025 (International, Cruise and Seniors)
  • Unlimited overseas emergency medical and hospital expenses on every overseas plan
  • Comprehensive and Domestic plans available up to age 85
  • Underwritten by HDI Global Specialty SE, which S&P rates A+ for financial strength
  • 14-day money back guarantee if you change your mind before travelling
  • Reviewers often mention competitive prices and a quick online purchase

👎 Cons

  • Trustpilot rating of 3.9/5 from only 43 reviews, with 28% of reviews at one star
  • Claims experience scores just 2.8/5 on Compare Travel Insurance
  • Repeated complaints about declined claims, depreciation on belongings and heavy document requests
  • No pre-existing conditions are covered automatically, so every condition must be declared and assessed
  • Medical Only, Standard and Frequent Traveller plans stop at age 69
  • Claims are handled by an Australian underwriting agent rather than a NZ-based insurer

Pricing Deep-Dive

How much does Zoom Travel Insurance cost? Indicative market ranges

Zoom does not publish example premiums, so the figures below are the indicative market ranges from our travel insurance cost guide, not Zoom quotes. Canstar's 2025 Outstanding Value awards suggest Zoom's price for the features on offer sat at the sharper end of the market, but your premium depends on destination, age, trip length, excess and any declared conditions.

🏖️

Short Trip - Comprehensive

One adult, 35
One week in Australia or the Pacific
Comprehensive level cover
$60-120
/trip (market range)
Basic cover from ~$30-50/trip for the same week
Market range, not a Zoom quote
🌍

Frequent Traveller

One adult, under 70
Several trips in 12 months
Annual multi-trip cover
$200-500
/year (market range)
Zoom Frequent Traveller is for ages 69 or under
Market range, not a Zoom quote
👵

Senior Traveller

One adult, 72
Two weeks in Europe
Comprehensive (the only overseas plan past 69)
Quote only
Age and declared conditions drive the price
Canstar 2025 Outstanding Value, Seniors

Disclaimer: These are indicative market ranges from our cost guide, not official Zoom quotes. Your actual premium will vary with destination, age, trip length, excess and medical conditions. Get an accurate quote at zoomtravelinsurance.co.nz. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.

What Affects Your Zoom Premium?

🗺️

Destination

You must tell Zoom every country you will visit, and the premium depends on where you are going. Cover for the USA typically costs more because medical bills there are higher.

🎂

Age

Comprehensive is available up to age 85, with trips capped at 90 days for ages 80 to 85. Medical Only, Standard and Frequent Traveller stop at 69.

🩺

Pre-existing Conditions

Nothing is covered automatically. Declared conditions are assessed online and can add a significant extra premium, which several Trustpilot reviewers comment on.

📋

Plan Level

Medical Only is the cheapest overseas plan, Standard adds cancellation and $5,000 of luggage cover, and Comprehensive raises luggage to $10,000 and liability to $5M.

💵

Cancellation Limit

On plans with cancellation cover you choose the limit, so a higher limit for an expensive trip means a higher premium.

🚙

Add-ons

Rental vehicle excess, winter sports, cruise and bicycle cover all add to the price. Buy what you need before you travel.

How Zoom Compares

Zoom vs. other NZ travel insurance options

Feature Zoom TINZ 1Cover Southern Cross
Overall Rating 4.1/5 104+ reviews 4.4/5 4.4/5 3.9/5
Insurer HDI Global Specialty SE HDI Global Specialty SE HDI Global Specialty SE Southern Cross Benefits Ltd
Operator The Insurance Geeks Ltd The Insurance Geeks Ltd 1Cover NZ Ltd Southern Cross group
Overseas Medical Unlimited Unlimited Unlimited Unlimited (Comprehensive)
Automatic Pre-existing Cover None Listed conditions Declare & assess See policy wording
Canstar 2025 Intl, Cruise, Seniors Not awarded Intl, Seniors All 4 categories
Trustpilot 3.9/5 (43) No profile 4.4/5 (120) 4.5/5 travel (per our review)

Disclaimer: Ratings are taken from Trustpilot, Compare Travel Insurance, Canstar and each brand's policy wording as viewed in September 2026. Features may change, so verify directly with the insurer. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.

Alternatives to Zoom Travel Insurance

Other NZ travel insurance options worth considering, depending on your priorities

TINZ
★★★★★

Travel Insurance NZ, a business name of The Insurance Geeks Limited and underwritten by HDI Global Specialty SE. Its policy wording lists pre-existing conditions that are covered automatically, and overseas trips can run up to 18 months.

Some conditions covered automatically
Trips up to 18 months
Comprehensive Plus tier
4.4/5 from 380 reviews
Get Quote Read Full Review
1Cover
★★★★★

Travel-only brand founded in 2003, issued in NZ by 1Cover NZ Limited and underwritten by HDI Global Specialty SE. Won Canstar Outstanding Value for International and Seniors travel insurance in 2025.

Unlimited overseas medical
$15,000 luggage (Comprehensive)
Canstar 2025 x2
1,400+ reviews averaging 4.4/5
Get Quote Read Full Review
Southern Cross logoSouthern Cross
★★★★★

Southern Cross Travel Insurance is issued by Southern Cross Benefits Limited, part of the not-for-profit Southern Cross group. It won all four Canstar Outstanding Value travel categories for 2025 and may suit travellers who want a large NZ-based insurer.

Canstar 2025 clean sweep
Unlimited overseas medical (Comprehensive)
NZ-owned insurer
Annual multi-trip option
Get Quote Read Full Review
AA Insurance logoAA Insurance
★★★★★

AA sells travel insurance in three levels (Essential, Comprehensive and Frequent Traveller) alongside car and home cover, so it may suit people who want several policies with one familiar NZ brand.

Essential & Comprehensive levels
Frequent Traveller option
Also sells car & home cover
Well-known NZ brand
Get Quote Read Full Review
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Who Is Zoom Travel Insurance Best For?

Zoom may suit some travellers more than others

💰

Price-Focused Travellers

People comparing prices online who want unlimited overseas medical cover from a brand that won three Canstar Outstanding Value awards for 2025.

👵

Older Travellers Without Complex Conditions

Travellers up to 85 on the Comprehensive plan, especially those with no medical conditions to declare. Canstar rated Zoom Outstanding Value for seniors in 2025.

🚢

Cruise Passengers

Cruise travellers comparing options, since Zoom won Canstar's 2025 Outstanding Value award for cruise travel insurance.

⚠️

Not Best For

Travellers who put claims service first, or those with several pre-existing conditions. Zoom's claims scores are weak and no conditions are covered automatically, so compare TINZ and Southern Cross as well.

Our Verdict

Compare.org.nz's editorial assessment of Zoom Travel Insurance

7.0
out of 10
Good
Our editorial score for cover, price and claims. It is separate from the customer rating.

Zoom's strength is price and product value. Its weakness is how claimants rate the experience.

On paper Zoom is a strong product. Every overseas plan includes unlimited overseas medical cover, Comprehensive runs up to age 85, and it won three Canstar Outstanding Value awards for 2025 in its first year of assessment. The insurer behind it, HDI Global Specialty SE, is part of the Talanx Group and rated A+ by S&P.

The customer picture is more mixed. Zoom's Trustpilot rating of 3.9/5 comes from just 43 reviews, and 28% of them are one-star. Most of those describe declined claims, heavy depreciation on belongings or long document requests. The Compare Travel Insurance claims experience score of 2.8/5 points the same way, even though buyers rate value and service well.

Zoom may suit healthy travellers looking for a sharp price on solid cover. If you have medical conditions to declare, or you care most about a smooth claim, it is worth comparing its sister brand TINZ, which covers a list of conditions automatically, and Southern Cross.

Brand Trust
6.5
Product Range
7.5
Claims Process
5.5
Pricing
8.5
Customer Service
7.5
Digital Experience
7.5

Frequently Asked Questions

Common questions about Zoom Travel Insurance

Zoom policies are insured by HDI Global Specialty SE - New Zealand (FSP 774050), the New Zealand branch of a German insurer in the Talanx Group. Coffre-Fort Pty Ltd acts as the underwriting agent and handles claims on the insurer's behalf. Zoom itself is a business name of The Insurance Geeks Limited. Details are in the policy wording.
Yes. Both Zoom and TINZ are registered business names of The Insurance Geeks Limited (company number 5904999), and both are underwritten by HDI Global Specialty SE. The plans, limits and pre-existing condition rules differ between the two brands, so compare the policy wording for each.
Not automatically. Zoom says it does not cover any pre-existing condition unless you declare it and complete an online medical assessment. Cover only applies once Zoom confirms in writing that the condition is accepted, and an extra premium may apply.
Zoom does not publish example prices. Across the market, a week of comprehensive cover is typically around $60-$120 and annual multi-trip cover around $200-$500 a year, according to our travel insurance cost guide. Get an exact quote at zoomtravelinsurance.co.nz.
Comprehensive and Domestic plans are available up to age 85, with trips limited to 90 days for travellers aged 80 to 85. Medical Only, Standard and Frequent Traveller plans are available to travellers aged 69 or under.
Reviews are mixed. Some customers describe smooth claims for damaged laptops and overseas medical help, but most of Zoom's one-star Trustpilot reviews concern declined or reduced claims, and its claims experience score on Compare Travel Insurance is 2.8/5. If a claim is declined you can complain to Zoom and then take the dispute to the Insurance & Financial Services Ombudsman.

Our Review Methodology

How we research and rate insurance companies

Data Sources

This review is based on data collected from the following sources, last verified in September 2026:

How We Calculate Scores

Our editorial scores (out of 10) are calculated using a weighted methodology that considers:

  • Customer ratings (40%): aggregated scores from review platforms, weighted by review volume. Platforms with fewer than 50 reviews are given reduced weighting.
  • Product features (25%): benefit limits, plan range, age limits, pre-existing condition handling and optional extras, taken from the current policy wording.
  • Pricing competitiveness (20%): award results from Canstar and how the brand sits against the indicative ranges in our travel insurance cost guide.
  • Claims experience (15%): claims-specific review scores, the themes in negative reviews, and IFSO dispute information where available.

Disclaimer: Nothing on this page constitutes financial advice. Scores are editorial opinion based on publicly available data. Always verify details directly with Zoom and read the policy wording before you buy. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.

Get a Quote from Zoom Travel Insurance

Go straight to Zoom to get a travel insurance quote, or compare them against other NZ providers first.

Get a Quote from Zoom