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students, workers & explorers going to New Zealand & travelling from New Zealand.
Answer our simple questions to get started
InsurancesafeNZ provides three different travel insurance policy categories: Studentsafe, Workersafe and Explorersafe. This means that if you’re travelling to New Zealand, travelling within New Zealand or temporarily leaving New Zealand, we have something to offer you. Use the Policy Finder to narrow your policy search and get a quote. Our website is also packed with great information on how to keep safe, how to make the most of your time abroad and how to understand your travel insurance policy better. If you need further assistance contact one of our friendly staff on our toll-free number 0800 486 004 (within NZ) or +64 9 488 1638 (outside of NZ).
Studying in New Zealand is an adventure of a lifetime, which is why a range of unexpected bumps and accidents are covered under Studentsafe policies.
But when it comes to certain medical conditions, you may not be automatically covered. That’s why it’s important to disclose any medical conditions you want cover for.
The term “Pre-existing Medical Conditions” is commonly used when applying for insurance. This refers to your medical history and the full definition can be found on
Being in good health is key to embarking on an exciting study adventure in New Zealand.
Anyone planning to study in New Zealand for more than three months is required to apply for a student visa.
When applying for a new or to renew a visa, you may need to provide New Zealand Immigration with medical information to demonstrate an acceptable level of health.
Studentsafe policies do not cover medical costs for your visa application.
Studentsafe policies are desig
Your wellbeing is important which is why Studentsafe provides cover for medical and related expenses.
But before you make an appointment for check-ups related to your health, it’s important to understand what is and isn’t covered under your policy.
Studentsafe does not provide cover for certain medical tests listed as Exclusions under Section 1: Medical and Related Expenses as set out below:
9. Health screening, medical and dentals reviews or vaccinations.
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Staying healthy plays a vital role in making the most of your study adventure. If you have been prescribed medication and are looking to make a claim, it’s important to understand what is and isn’t covered under your policy.
Just because a certain medication has been prescribed by your doctor, it does not mean that it is automatically covered.
Studentsafe does not provide cover for certain medical tests listed as Exclusions u
Keeping mentally well is important to make the most of your study adventure.
While studying away from home is an exciting life experience, there are times you may feel overwhelmed or experience loneliness, stress, anxiety and depression.
During these challenging times, it’s important to recognise the pressures you may be under, whether it’s adjusting to a new environment or the added load of assignments and exams.
If you need professional help, you can feel assured knowi
If you’re reading this article, you’ve already made a sensible choice. If you’re in a new relationship, or thinking about starting to date, it’s important to think about how you can ensure that you and your partner stay safe when you’re having a little extra ‘fun’.
So read on to learn more about what steps you should be taking to keep safe. The consequences can range from irritating to life-threatening – and that isn’t a gamble anyone should take.
Any new culture will have customs that you will start to learn very quickly as soon as you arrive! To give you a head start on your time in New Zealand, we’ve got a few key bits of information about Kiwi culture – and a whole lot of detail about speaking like a local!
When you’re walking the streets of New Zealand – or even when you’re still at the airport and navigating escalators – it’s good to remember that we drive on the left, not the righ
Unless you’re really into skiing, winter in New Zealand isn’t really the most exciting time of year. It’s not cold enough for there to be pretty snow falling in the cities, but it’s still cold enough that you don’t want to spend time outside unless you have to. Instead of snow, we mostly get rain and wind. It’s certainly not terrible – but it does give you a good excuse to go somewhere sunny if you have the time and budge
Adjusting to a new workplace comes with challenges wherever you are in the world – and if you're in a new country as well as a new workplace, those changes can be even more extreme. New Zealand culture is quite friendly and informal, and this extends to many workplaces. But it can be difficult at times to understand where the limit is – how casual is too casual and what will make you look unprofessional? How formal is too formal and what will make you look too unapproachable?
Some of
Everyone experiences periods of stress in certain situations – perhaps exams are coming up, or you’ve spent a little more than you intended to at dinner and pay day is still a couple of days away. That’s a normal part of life, and most of the time, it goes away fairly quickly when the source of the stress comes and goes. You pass your exam, you check your bank account and ther
A healthy worker is a more productive worker. It seems like an obvious statement to make, but in today’s working world, many workers feel that they have keep pushing and pushing to get results – even at the expense of their health and wellbeing. Workplaces need to be more supportive of their staff to make sure that they feel they are able to take time to get healthy if they are unwell, or to express their concerns if they are overburdened with stress.
Ask any adult what their student years were like, and there will almost always be two things that everyone has in common – lots of fun, and hardly any money! But if you’re new to a city or even a country, it can be hard to know where to begin when it comes to finding social activities that you can do on a student budget.
To help you out, we’ve rounded up some of our top tips for free and cheap things to do in New Zealand’s main student cities and towns to get you started!
Flatting doesn’t have to be expensive. There are a number of ways you can set up a flat on a budget without losing out on quality and the occasional treat. To make sure that you get the best experience possible no matter what your income may be, we’ve brought together a few of our favourite tips and t
When you’re away from your family and community that feeling of homesickness can feel very overwhelming. Making friends and keeping busy are the easiest ways to prevent homesickness – but you need to put the effort in. If you sit at your computer looking over your soci
When you’re planning adventures overseas, there’s so much excitement that it can be easy to forget about the parts of travel that are a little less glamorous. Organising travel insurance may not be as thrilling as planning your routes and researching the major attraction
For many people, the shift from university study to the working world is one of the biggest changes they will ever experience. Life until that point is focused on formal education – sitting in class, doing homework, taking notes… and then all of a sudden, it’s time to step out into
No matter where you go in the world, someone will tell you to keep safe and often there’s a good reason for it. When travelling or moving somewhere new it can be tempting to step outside of your comfort zone and give everything a go. While this is a great attitude it’s important to explore your new surrou
Relocating to a new country for work is hugely exciting. Getting a new job and home and navigating new cultures, practices and languages is an immersive experience and can be incredibly consuming.
An “out with the old, in with the new” approach can be tempting – after all, you’re making a
In general, the younger your children are the easier it will be for them to pick u
For many of us, our pets are part of the family. For expats intending to move overseas with their pet, planning and research before the move is essential. It is crucial to ensure the welfare of your beloved pet during and after transit, and that regulation surrounding the importation and exportation of pets is complied with.
Research animal import regulations for your new country of residence, to determine what conditions must be met for your pet to be allowed en
Flatting doesn’t have to be expensive. There are a number of ways you can set up a flat on a budget without losing out on quality and the occasional treat. To make sure that you get the best experience possible no matter what your income may be, we’ve brought together a few of our favourite tips and tricks for flatting on a budget.
1. Make a budget – and stick to it
Assign your money
Make sure you’re not skimping following the first week of your payday. Make your buying decisions based on your budget – not your bank balance.
Picking your platform: YNAB or MINT
In the USA, YNAB is free for college students if you can write in with proof of your enrolment, whereas Mint is free for everyone, though it’s also a bit more basic. You can sync these platforms with your bank account and use them to track your spending.
If you know exactly how much money you have to spend on each aspect of your life and spend according to your budget as opposed to spending according to your bank account, you’re more likely to save money over time. It is recommended that you attempt to save 10% of your pay packet and the best way to do this is to pay it into another account as soon as you have the money.
Economy of scale
If you can join together with other people for accommodation and food, it can generally work out cheaper and means that all parties put the same amount into a shared account. This can allow you to budget better as you know exactly how much money goes towards food and bills each week.
Make sure you have insurance
To make sure you don’t get caught off-guard with unexpected bills, it’s very important to make sure you have insurance. The Studentsafe policies provide cover for your medical and related expenses, repatriation and travel disruption, luggage, personal effects and travel documents, personal liability and more. Read your Policy Wording to learn about what you are covered for. Terms,limits, conditions and exclusions will also apply. Depending on your situation, you might also want to buy additional insurance. For example, you might want to insure the vehicle that you drive. Making regular insurance payments ensures you know exactly how much money is going out of your account at any one time.
2. Food
Plan ahead
You don’t want to stock up on unnecessary things or things that will go off before you can use them – so before you head to the shops it’s worth making a plan. Planning can also be a great way to figure out meals that require similar ingredients to stock up on. If you go to the shops with a shopping list, it can also make the trip faster as you know exactly what you want, missing out the aisles that have all the temptations to make you spend more. There are some excellent apps out there that can help you with food planning – Pepperplate for example brings together your own personal recipe database with meal planner and shopping list functions.
Shop around
Shopping around at farmers’ markets, local butchers and bakeries can save a lot of money and might also save you from student weight gain that can come from sweet supermarket temptations! By shopping around, you can find out where to get the best prices. Farmers markets are generally the cheapest for fresh fruit and vegetables and can be a great way to socialise with your peers.
Buy a slow cooker
Slow cookers can be purchased from most department stores with a kitchen section. In New Zealand you could try looking in places such as Kmart, Briscoes or The Warehouse. Slow cookers are great for people who lead busy lives as you can make a week’s worth of hot lunches in one go with minimal effort!
If you pick a weekend day when you’ll be studying at home or doing chores you can pop your ingredients in then go about your work and as the day goes by, you’ll have the delicious aroma of home-cooked food to keep you going for the week. You’ll have dinner ready to go and you can divide the leftovers between containers to store in the fridge and reheat when you need them. Slow cookers are also a great way to use up any leftover ingredients you may have and can make some of the cheapest cuts of meat delicious.
Buy in bulk & stock up on containers
Buying in bulk can often work out a lot cheaper than going to the supermarket each week for the same things. The only thing you need to make sure of is that you can actually get through what you buy. Grains and other longer lasting items are a great place to start so that you can avoid unnecessary waste. Having a stock pile of containers for your leftovers can also help these items last longer.
Cheap eats
Many universities have clubs that provide cheap lunches on campus. If these aren’t available you could scout out cheap cafes and community centres that provide lunches. Many universities have Hare Krishna organisations that provide wholesome lunches for students on a budget. So if you’re not a great cook or you didn’t have time to organise some lunch before you left the house this can be a great option.
When it comes to an evening meal every now and then you may want to have a treat away from the house. Luckily, there are always delicious options to try that won’t ruin your budget for the month! Many cities have print or online publications that focus on new restaurants and eateries and they will usually provide good indicators of price. Often these publications will create annual lists of top recommendations for diners on a budget – so make sure that you pay attention because you could find something delicious!
3. Furniture – making your accommodation feel like home
Head out on a vintage hunt
Garage sales, op shops and online markets are a great place to start for cheap furniture. If you want something a bit more unique, spend some time hunting down vintage items at markets and on websites such as TradeMe, Gumtree or Craigslist which have sections specifically for those vintage items. You may find some really great finds for next to nothing. It’s also a great way to get quality items without spending too much money!
Look for long lasting pieces
There are a few things to look out for when you’re stocking up on furniture. Firstly, simplicity is best. Items that are plain will generally look better for longer than patterns, which can be fashionable one moment but date quite quickly. Secondly, smaller-scale pieces are easier to reuse down the track as they can be used in all different kinds of rooms. If you’re looking for an item that will stand the test of time, it’s worth investing a little bit more in a piece that is sturdy – try lifting it before you buy. A heavier couch will generally be more robust than a lightweight one. Similarly, couches that are made more structured with tight backs and seats will last longer than those with fluffed up cushions – they may be soft and tempting but they’ll tend to deflate quite quickly.
Find the cheap department stores
It’s worth locating your nearest cheap department store when you move somewhere new. Places such as Kmart, The Warehouse and Briscoes are always worth a look in if you’re setting up in New Zealand. For those travelling overseas, IKEA and Target can be good places to start.
4. Make the most of student deals
Sign up for discounts
Many supermarkets and stores have discount offers if you sign up to their loyalty clubs. While it may mean you end up on their mailing list it can be a great way to save money. It’s also worth looking for the budget brands – most are the exact same product as the branded items, just with a more basic label! Alternatively, look for the items on special.
Make friends with people who own animals and grow vegetables
While this may sound calculating on the surface, people who come from farms or grow their own vegetables can be an asset in a flatting environment as they are likely to be able to supply you with good quality produce for a lot less than what the supermarket or butcher could sell it at. If you have a garden (and permission from your landlord), you may be able to grow your own vegetables. When you go to the garden centre ask for advice as to what you should be planting in the area that you have, keeping in mind whether the space is sunny, windy or damp and what the soil is like. If you don’t have space, there are ways you can grow vegetables on a window sill. For example, the head of an organic carrot set in water will regrow – and similarly, if you look after your fresh herbs and keep them in a pot they will continue to produce leaves for you to use.
Join your student union
Student unions generally provide lots of deals for students. It’s worth signing up and finding out what is going on. You may find there are activities available that you’ll never get the opportunity to try later in life (or that cost a lot more once you’re no longer a student).
All in all, you don’t have to miss out on treating yourself to maintain a budget, you just have to know the best places to go and a few little tricks to make your money go further. Often when you start university, there are a number of other people who are in the same situation so doing some of the things mentioned above can be done as a group, making life on a budget that bit more fun!
InsurancesafeNZ Medical and Travel Insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners (NZBN 9429035270157) under binder with and on behalf of Mitsui Sumitomo Insurance Company, Limited (NZBN 9429039809810, FSP Number 20661) (Incorporated in Japan) as the underwriter.
You should read the Policy Wording and consider obtaining independent legal or financial advice before making any decisions about this insurance. Terms, conditions, limits, sub-limits and exclusions apply.
Mitsui Sumitomo Insurance Company, Limited - Financial Strength Rating.
Mitsui Sumitomo Insurance Company, Limited has a financial strength rating of A+ (Stable) given by S&P Global Ratings. The S&P Global rating scale* in summary form is:
The rating may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.
Further information on the S&P Global ratings is available here: https://www.spglobal.com/ratings/en/products-benefits/products/financial-strength-rating.
