Visas · New ZealandNew Zealand · Trip to the USA
Travel insurance for New Zealanders visiting the USA
US medical costs make this the most expensive destination to get wrong. Who covers travellers from New Zealand. 9 of the 30 policies we track look workable for this profile, and 15 are ruled out for reasons we show.
What the rules say for this profile
Everything below is generated by running this exact profile through the same rules engine the site's checker uses, against insurers' published wordings and FAQs. Nothing is ordered by commission.
Likely yes Strong eligibility match 8
Published rules fit this whole profile.
| Insurer | Why | Source |
|---|---|---|
| IMGPatriot International / America | Your residence works. Near-worldwide for Patriot travel medical (sanctions carve-outs).Age is fine. Trip length fits. 5 days–12 months; renewable to 24–36 months by plan.Covers the USA. Patriot America line exists specifically for non-US citizens visiting the USA. | source checked 2026-08-03 |
| WorldTripsAtlas Travel / Atlas America | Your residence works. US and non-US citizens eligible outside their home countries.Age is fine. Trip length fits. 5–364 days, max 12 months including extensions.Covers the USA. Atlas America includes USA for non-US residents. | source checked 2026-08-03 |
| Cover-MoreSingle trip / Annual | Age is fine. Trip length fits. Twelve months on a single trip.Covers the USA. Included in the worldwide region; unlimited overseas emergency medical is their hallmark. | source checked 2026-08-03 |
| Southern Cross Travel InsuranceInternational Comprehensive / Working Overseas | Age is fine. Trip length fits. Twelve months including extensions. The separate Working Overseas policy runs up to 60 months.Covers the USA. Included in worldwide cover. | source checked 2026-08-03 |
| SafetyWingNomad Insurance (Essential) | Your residence works. Sold to residents of most countries; home country must not be under international sanctions.Age is fine. Trip length fits. Up to 364 days per purchase, auto-renews every 4 weeks.USA needs an add-on / has limits. Optional paid US add-on (non-US residents only). | source checked 2026-08-03 |
| SafetyWingNomad Insurance Complete | Your residence works. Complete is not sold to residents of the USA and its territories, Canada, Ireland, the UAE, Saudi Arabia and a sanctions-related list. Essential has no such list.Age is fine. Trip length fits. “Ongoing coverage, renewable indefinitely.” The long-stay answer when Essential's 364 days run out.USA needs an add-on / has limits. Paid US add-on gives full benefits for up to 6 months in the USA (non-US residents only). | source checked 2026-08-03 |
| World NomadsStandard / Explorer | Age is fine. Trip length fits. Extendable up to 12 months (US residents: 180-day max single trip).Covers the USA. US covered as a destination; priced in.Residence: check your country. Residents of 100–140 countries via regional storefronts, but EU sales currently limited to Belgium, Denmark, Germany and the Netherlands. | source checked 2026-08-03 |
| GenkiTraveler | Your residence works. “Any citizen, any residence”, including nomads without any legal residence (Native).Age is fine. Trip length fits. 1–12 months, then switch to Native (unlimited).USA needs an add-on / has limits. First 7 days per US stay emergencies-only; paid upgrade for full US+Canada cover. | source checked 2026-08-03 |
Specialist Specialist option 1
Built for the awkward part of this profile, or a marketplace covering many carriers.
| Insurer | Why | Source |
|---|---|---|
| VisitorsCoverageMarketplace (40+ plans) | Your residence works. Customers from 175+ countries; actual eligibility per underlying plan.Age is fine. Trip length fits. Long-duration visitor plans available via carriers.Covers the USA. Core specialisation. US visitor insurance. | source checked 2026-08-03 |
Maybe Worth checking 6
Nothing rules you out, but enough is conditional that the insurer decides.
| Insurer | Why | Source |
|---|---|---|
| HeymondoSingle trip / Long Stay | Your residence works. Marketed worldwide via localized storefronts; US residents face extra restrictions.Age is fine. Trip length fits. Single trip ~90 days; Long Stay renewable to 12 months.Covers the USA. US available as destination (higher pricing tier). | source checked 2026-08-03 |
| EKTATravel / Seniors / Visa-Ready | Your residence works. “Suitable for citizens of all countries”, valid worldwide.Age is fine. Trip length fits. Long-term and annual options to ~1 year.Covers the USA. USA available as destination. | source checked 2026-08-03 |
| Seven CornersTravel Medical / USA Visitor | Your residence works. Near-worldwide, but the US-inbound plan cannot be sold to residents of Australia, Nigeria, Ghana and others; Green Card holders excluded.Age is fine. Trip length fits. 5–364 days; USA Visitor Choice extendable to 1,092 days (3 years).Covers the USA. Flagship USA Visitor line for non-US residents. | source checked 2026-08-03 |
| ACSGlobe Partner / Globe Traveller / Europax | Your residence works. Effectively global: the products cover travel outside your usual country of residence and residence itself is not restricted.Age is fine. Trip length fits. Twelve months on Globe Partner and Globe Traveller; Europax is 90 days or 90-in-180.USA needs an add-on / has limits. Globe Partner covers the USA in its worldwide zones. Globe Traveller requires the €500,000 cover level for North America. | source checked 2026-08-03 |
| Cigna GlobalInternational health insurance | Your residence works. Expats and globally mobile people across 200+ markets, with dedicated country plans. Reported not available for sale in New York State.Age is fine. Trip length fits. Not trip-bound: an annually renewable health plan.USA needs an add-on / has limits. Explicit area options: worldwide, or worldwide excluding the USA, which is much cheaper. | source checked 2026-08-03 |
| battlefacePost-Departure / Discovery | Age is fine. Trip length fits. Up to ~12 months in some markets; annual plan 40–92 days per trip.Covers the USA. US-admitted product via Spinnaker.Residence: check your country. US, UK, EU + international storefronts; full residence list not verifiable (site blocks robots). | source checked 2026-08-03 |
Ruled out Not eligible, and why 15
The part other sites hide. These rules exclude this profile.
| Insurer | Why | Source |
|---|---|---|
| Globelink InternationalAlready Travelling / Single trip / Annual | Age is fine. Trip length fits. Backpacker single trip runs to 15 months and can be extended while abroad to 18 months total; annual plans offer 17 to 120 days per trip.Covers the USA. Worldwide options include the USA, but winter sports are not covered there.Residence. UK, all EU countries and the EEA (Iceland, Liechtenstein, Norway). Also covers Australian, New Zealand and South African passport holders temporarily resident in the EU. Switzerland is not EEA, so check with them. | source checked 2026-08-03 |
| AXA SchengenBasic / Essential / Premium | Your residence works. Worldwide purchase; some countries (e.g. at war) not eligible.Age is fine. Trip length fits. Up to 90 days per stay; Annual = unlimited ≤90-day trips.Europe-only product. This plan only covers trips within Europe or the Schengen area.No US cover. Europe-only product. | source checked 2026-08-03 |
| StaysureSingle trip / Annual / Long Stay | Age is fine. Trip length fits. Single trip 104 days; Long Stay up to 550 days under 65, dropping sharply with age (76+ is single trip only).Covers the USA. Worldwide region options, within age-based duration caps.Residence. UK, Channel Islands or Isle of Man only, and you must have lived there for six of the last twelve months, with a local doctor and an NI number if you are 16 or over. | source checked 2026-08-03 |
| True TravellerTraveller / Traveller Plus | Age is fine. Trip length fits. Up to 548 days, reducing with age: 50 and over is capped lower.Covers the USA. Worldwide including USA and Canada is a paid area option; £10m medical on all tiers.Residence. UK plus around 39 European countries: the EEA plus Switzerland, Andorra, Gibraltar, the Channel Islands, the Isle of Man and most of the Western Balkans. | source checked 2026-08-03 |
| Chapka AssurancesCap Aventure / Cap Schengen | Age is fine. Trip length fits. Cap Aventure runs three to 24 months. The short-stay and Schengen products cap at 90 days.Covers the USA. Cap Aventure offers €1,000,000 medical including the USA and Canada, versus €200,000 excluding.Residence. Cap Aventure covers residents of the EEA, Switzerland, Andorra, Monaco and the French overseas territories. Cap Schengen, by contrast, is open to any residence worldwide. | source checked 2026-08-03 |
| Europ AssistanceSchengen / Schengen Plus | Your residence works. Residents of most countries worldwide, apart from an excluded list. EU residents may also buy for travel within Schengen outside their own country.Age is fine. Trip length fits. Visa-aligned: 90 days, or 90 in any 180, with an annual multi-trip option.Europe-only product. This plan only covers trips within Europe or the Schengen area.No US cover. A Schengen-territory product. | source checked 2026-08-03 |
| Care ConceptCare Visa Protect / Care Economy | Your residence works. Inbound Germany, EU and Schengen products for guests, students, jobseekers and skilled workers of any origin.Age is fine. Trip length fits. Care Visa Protect runs 92 days with an annual multi-entry variant; Care Economy runs up to two years including extensions.Europe-only product. This plan only covers trips within Europe or the Schengen area.No US cover. Core products are inbound Europe. | source checked 2026-08-03 |
| DR-WALTERPROVISIT VISUM / PROTRIP-WORLD | Your residence works. The inbound products are open to any non-German citizen visiting or staying in Germany, the EU or the Schengen area, whatever your nationality.Age is fine. Trip length fits. PROVISIT VISUM runs to 180 days; PROTRIP-WORLD Traveler is 12 months renewable.USA needs an add-on / has limits. PROTRIP-WORLD offers tariffs with and without USA and Canada cover.Europe-only product. This plan only covers trips within Europe or the Schengen area. | source checked 2026-08-03 |
| Allianz Travel (US)OneTrip / AllTrips | Age is fine. Trip length fits. OneTrip Emergency Medical up to 180 days; annual plans 45–90 days per trip.Covers the USA. Domestic and international trips for US residents.Residence. US residents only on this storefront; other countries via separate Allianz sites. | source checked 2026-08-03 |
| AXA Travel Protection (US)Explorer series | Age is fine. Trip length fits. Explorer OnTrip to 180 days; other plans 30–120.Covers the USA. US-resident market, domestic + international.Residence. US residents only (reportedly excl. NH & MA). | source checked 2026-08-03 |
| InsureandGoSingle trip / Annual / Backpacker | Age is fine. Trip length fits. Backpacker up to 18 months; annual per-trip limits run 31 to 55 days by tier.Covers the USA. Worldwide options available.Residence. UK residents only. | source checked 2026-08-03 |
| CoverForYouSingle trip / Backpacker / One-Way | Age is fine. Trip length fits. Backpacker up to 18 months worldwide.Covers the USA. Worldwide policies include the USA. Note a quirk: policies bought while located in the USA are only valid for UK residents registered with a UK GP.Residence. United Kingdom only, and you must be permanently resident and registered with a UK medical practitioner. | source checked 2026-08-03 |
| FayeTravel Protection | Age is fine. Trip length fits. Maximum trip length 180 days.Covers the USA. US residents travelling domestically and internationally.Residence. US residents in all 50 states. Not Puerto Rico, the US Virgin Islands, Guam, American Samoa or the Northern Mariana Islands. | source checked 2026-08-03 |
| FreelyPay-as-you-go travel cover | Age is fine. Trip length fits. Month-by-month structure suits long and open trips.Covers the USA. Worldwide including the US, with unlimited overseas medical reported.Residence. Australian residents on the AU product; a separate product exists for US travellers. | source checked 2026-08-03 |
| TuGoEmergency Medical / Visitors to Canada | Age is fine. Trip length fits. Effectively capped by provincial health absence rules; stability rules differ for trips over 35 days.Covers the USA. The core use case: Canadians travelling to the United States.Residence. Canadian residents for the outbound products. A separate Visitors to Canada line covers non-residents already in or coming to Canada. | source checked 2026-08-03 |
Other situations for New Zealanders
Travel insuranceTravel insurance rules for New ZealandersAlready abroadAlready abroad rules for New ZealandersOver 70Over 70 rules for New ZealandersOne-wayOne-way rules for New ZealandersLong stayLong stay rules for New ZealandersSchengen visaSchengen visa rules for New Zealanders
Profile used: resident of New Zealand, not yet departed, medium trip, age band up to 39. Rules checked 2026-08-03. Insurers change eligibility without notice: confirm before you buy. Report an error.