"In this last year, we've had a lot of people get sick ... bad illnesses that have stopped them from travelling.
"It's more common than people missing a flight because of the weather."
The rise of online bookings for domestic flights meant most customers were after long-haul destinations such as the US, Canada and Europe.
India was also becoming increasingly popular.
"People are becoming much more adventurous."
Southern Cross Travel Insurance boss Craig Morrison said travel-bound Kiwis could perform a few simple tasks to minimise disappointing holiday situations. "Everyone loves a bargain, but those booking cheap flights and cheap holidays may be more susceptible to unexpected travel interruptions and cancellations.
"Equally, if you can't stand children, then avoid travelling during the school holidays."
Researching accommodation spots, particularly cheap ones, online was also useful - especially for those keen to avoid bed bugs on their holiday.
Last month, Christchurch woman Debbie Roome, 44, suffered a painful allergic reaction after being bitten 300 times by bed bugs at the Auckland Airport Kiwi Motel
Cover for medical expenses remained the most common reason to buy travel insurance. APNZ