Travel Insurance

Why choose Cigna Comprehensive Travel Insurance

Gem Insurance

Cover you can rely on

  • 24 hour emergency assistance
  • Cover for an extensive range of pre-existing medical conditions
  • No age restrictions.

Affordable Insurance

Affordable premiums

  • 35% discount* if you buy online
  • Your children under 16 are covered free when traveling with you
  • You’ll have seven days to review your policy starting from the date of purchase. If you change your mind we’ll refund your premium.

    *All discounts apply to base premium and cover for specified items, but do not apply to any additional premium for covered medical conditions

Comprehensive Insurance

Fully comprehensive cover options

Up to $100,000 in travel cancellation costs per person and unlimited medical cover.

Quick and easy claims process, with our Wellington team just a phone call away.

What you need to know

Travel insurance pays if something unexpected happens on your trip. Get an estimate online >

For recent travel advisories please click here.

Need to know

  • All travellers will need to confirm they have not been advised not to travel by a medical practitioner.
  • The price you’ll pay is based on your age, duration of your trip and your destination(s).
  • You can insure pre-existing medical conditions for an additional premium depending on your condition and the circumstances of your trip.
  • All travellers must begin their trip from New Zealand, and have a return ticket back to New Zealand.
  • Some hazardous activities aren’t covered.
  • All travellers must hold a New Zealand passport, residency visa or be an Australian passport holder living in NZ.

Full Policy

We're upfront about conditions and exclusions. See the full details below:


Policy wording

We aim to pay claims as quickly as possible


Making a claim is simple.

We'll assist you with the paperwork if you need help.


We'll have a look at your claim form.

We'll get back to you if anything else is needed.


Receive payment in your bank account.

If your claim is covered by your policy, we'll pay you. No loopholes.

Why Cigna?

We’ve had Kiwis’ backs for close to a century, and protect more than 450,000 customers with simple, affordable insurance products and services.

claims process and fast payouts
for healthy living, and flexible policies that suit your life.



When you travel the world as a New Zealander you can bet on meeting amazing people from various cultures, and tens of thousands of other Kiwis! We’re not just packing our bags to fly the coop for the thrill of greener pastures, but rather for the love of travel that’s in our blood.
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Rating Star

Cigna Life Insurance NZ Limited ("Cigna") has an A (Excellent) financial strength rating which was given by A.M Best Company Inc..

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Rating Scale

Secure Vulnerable
A++ A+ Superior B B- Fair
A A- Excellent C++ C+ Marginal
B++ B+ Good C C- Weak
    D Poor
    E Under regulatory Supervision
    F In Liquidation
    S Suspended