Tower Hill Travel Insurance
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Visitor Insurance for New Zealand

Visitor Insurance for New Zealanders Traveling to the USA

New Zealand's public health system doesn't cross the Pacific. One US medical emergency can cost more than your entire trip.

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The Coverage Gap

New Zealand's ACC and Public Health Don't Cover the USA

New Zealand's Te Whatu Ora (Health NZ) and the Accident Compensation Corporation (ACC — for injuries) fund care within New Zealand's public health system only. They provide no coverage for treatment in the United States, and New Zealand and the US have no bilateral healthcare agreement. A US ER visit averages $3,100; one hospital night costs $11,700. New Zealanders visiting family in California, New York, or attending US universities carry full financial exposure: a single hospitalisation in the US can exceed NZD 19,000 per night with no Te Whatu Ora reimbursement.

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An average US hospital stay costs $11,700 per night — New Zealand's ACC provides zero coverage in America.

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$3,000+
ER Visit
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$11,700/night
Hospital Stay
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$1,500
Ambulance Ride
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$50,000+
Major Surgery

Why Tower Hill

Trusted by 60,000+ International Travelers

We partner with the top A-rated carriers so you get the best coverage, not the highest commission.

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A-Rated Carriers Only

Every plan we offer is from a financially strong, A-rated insurer — IMG, Trawick International, or WorldTrips.

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Compare & Buy in 5 Minutes

No phone calls, no paperwork. Compare plans side-by-side and purchase online. Instant policy documents.

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Coverage in 151 Countries

Whether you're visiting the USA or traveling worldwide, we have a plan designed for your journey.

Our Plans

Compare Top Visitor Insurance Plans

All plans designed specifically for visitors to the USA — covering emergency medical, hospitalization, evacuation, and more.

Most Popular

IMG Patriot America Plus

From $1.10/day
Coverage up to Up to $1,000,000
  • A-rated by A.M. Best
  • Covers acute onset of pre-existing conditions
  • Emergency medical evacuation included
  • COVID-19 treatment covered
  • Deductible from $0–$2,500
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Best Value

Trawick Safe Travels USA

From $1.25/day
Coverage up to Up to $1,000,000
  • Comprehensive emergency coverage
  • 24/7 multilingual assistance
  • Hospital direct billing available
  • Covers acute onset of pre-existing conditions
  • Renewable up to 12 months
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Premium Option

WorldTrips Atlas America

From $1.50/day
Coverage up to Up to $2,000,000
  • Highest coverage limit available
  • Ideal for seniors and longer stays
  • Covers urgent care and telehealth
  • A.M. Best A-rated carrier
  • Flexible deductible options
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Prices vary by age, coverage level, and trip dates. Get an exact quote for your trip.

Common Questions

Frequently Asked Questions

Does New Zealand's ACC (Accident Compensation Corporation) and public health system (DHBs/Te Whatu Ora) cover medical care in the USA?
No. New Zealand's ACC (Accident Compensation Corporation) and public health system (DHBs/Te Whatu Ora) covers healthcare within New Zealand only — it provides zero coverage for medical treatment in the United States. The US has no bilateral healthcare agreement with New Zealand, meaning every hospital visit, ER charge, or specialist fee is entirely your personal financial responsibility without dedicated visitor insurance. A us hospital night can exceed nzd 19,000.
Can I buy visitor insurance for my New zealanders visiting the USA?
Yes — you can purchase a visitor insurance plan on behalf of parents, grandparents, or other family members visiting from New Zealand. Simply enter their details (age, travel dates) in the quote tool and complete the purchase. Policy documents and insurance ID cards arrive by email within minutes. Plans cover travelers up to age 99 and most include acute onset coverage for pre-existing conditions — critical for older new zealanders visitors.
What is the best visitor insurance for New Zealanders visiting the USA?
For new zealanders, we recommend three A-rated plans: IMG Patriot America Plus for comprehensive coverage and strong A+ rated carrier backing; Trawick Safe Travels USA Comprehensive for excellent value and broad emergency coverage; and WorldTrips Atlas America for high coverage limits (up to $2,000,000) and robust acute onset pre-existing condition protection. All three are purpose-built for the US healthcare system and available in minutes online.
Do New Zealanders need a visa to visit the USA?
New Zealanders can visit the USA for up to 90 days under the Visa Waiver Program — but you must obtain ESTA (Electronic System for Travel Authorization) approval before departure. Visitor insurance is not required for ESTA approval but is essential: without it, any US medical emergency is entirely out-of-pocket. Your ACC/public health provides zero US coverage.
How much does visitor insurance cost for New Zealanders visiting the USA?
Plans typically start around $1.10–$2.00 per day (USD). A healthy New Zealand adult under 60 visiting for 30 days usually pays $35–$80. Seniors over 70 will see higher rates. The cost is minimal compared to the financial risk — a US hospital night can exceed NZD 19,000. Get an exact personalized quote instantly with no personal information required.
Does visitor insurance cover pre-existing conditions for New Zealanders visiting the USA?
Most plans include acute onset coverage — meaning if you have a managed condition like hypertension, diabetes, heart disease, or COPD, and you experience a sudden unexpected emergency related to it, the plan can cover that emergency treatment. Routine follow-up care, medication refills, or elective procedures for stable conditions are not covered. This protection is especially important for older new zealanders and those with chronic health conditions.
How quickly can I get coverage for New Zealanders visiting the USA?
Coverage can be active within minutes. Complete the quote form online, select a plan, and your policy documents and insurance ID card are emailed instantly. For accidents, coverage begins on your selected start date — which can be the same day. For illness coverage, a short 24–72 hour waiting period typically applies after the start date. Purchase before your family member departs New Zealand whenever possible to avoid any gap in protection.
What is the minimum coverage I should get?
For visits to the USA, we recommend a minimum of $100,000 in medical coverage. US healthcare costs are among the highest in the world, and even a short hospitalization can exceed $50,000.
How do I file a claim if I need medical care?
Call the 24/7 assistance number on your insurance ID card before seeking treatment when possible. For emergencies, go directly to care — your insurer can sort out billing afterward. All major insurers we work with have direct billing relationships with US hospitals.

Learn More

Visitor Insurance Guides

Visitor Guide

Visitors Insurance for New Zealanders in the USA

Coverage options, pre-existing conditions, costs, and plan comparisons for New Zealanders.

Read Guide
Parents Guide

Visitors Insurance for New Zealanders Parents in the USA

In-depth guide: pre-existing conditions, real costs, and which plan fits your parents' health situation.

Read Guide
Coverage

Travel Insurance with Pre-Existing Conditions

What "acute onset" coverage means and which plans protect travelers with health conditions.

Read Guide
Americans Abroad

Travel Insurance for Americans Visiting New Zealand

Your US health insurance won't cover you in New Zealand. Compare international plans for Americans.

Read Guide

For New Zealanders Traveling to Other Countries

International Travel Insurance for New Zealanders

Planning a trip to Europe, Asia, or beyond? New Zealand's health coverage provides no protection abroad. Compare plans for New Zealanders traveling internationally.

See Intl Guides

Visitor Insurance for Other Nationalities

🇦🇷Argentina🇦🇺Australia🇨🇦Canada🇩🇪Germany🇭🇰Hong Kong🇮🇱Israel🇮🇹Italy🇰🇷South Korea🇲🇽Mexico🇸🇬Singapore🇨🇭Switzerland🇦🇪UAE🇬🇧United Kingdom🇮🇳India🇵🇭Philippines🇨🇳China🇯🇵Japan🇧🇷Brazil🇫🇷France🇨🇴Colombia
Browse all 194 countries →See all visitor insurance plans →
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Join 60,000+ travelers who trust Tower Hill for US visitor insurance. Get your personalized quote in under 2 minutes — no commitment required.

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