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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
There is a wide variety of scams that, unfortunately, are specifically targeted at international students preying on the vulnerability of living independently in a foreign country. International students are unaware of the normal local protocols and processes in place, making it hard to spot and identify any scam. Whether you are just starting university or wrapping up a master's, it is more important than ever for you to be cyber conscious.
Scammers are never going to go away, so it is never an option not to be cyber security conscious.
Online scams are dishonest or fraudulent tactics carried out via the internet. Usually, online scammers will attempt to trick you into giving them access to money, but some scammers may attempt to take personal details or impersonate you. Some of the most common types of scams include:
Phishing scams: A type of email or phone scam where a stranger pretends to be a trustworthy organisation — like a bank or government agency — in an attempt to get you to provide them with personal information, like your internet banking login details.
Social media scams: Where the scammer pretends to be a friend or someone you know and ask you for money.
Tech scams: Where scammers call people at home pretending to be from a well-known tech company, often requesting remote access to your PC or device to repair an issue or install a software update - gaining access to your personal information in the process.
Romance scams: Taking advantage of someone looking for a relationship online using dating sites and apps or social media to build a relationship with someone. Once they’ve gained the person’s trust, the scammer will start to ask for money, gifts or personal details that can be used to commit fraud.
Money scams: ‘Get rich quick' schemes including unexpected prizes, fake auctions and any other number of scams intended to part people with their money — or with personal details that the scammer can use for their gain.
As we do more online, the number of people experiencing cyber security incidents like this is constantly increasing. Since 2019, online shopping transactions in New Zealand have doubled, and so have the number of reported cyber security issues.
Cyber security attacks are becoming more and more common over time, so it’s important to know what you can do to protect your information online. While there’s no bulletproof way to prevent an attack, there are a lot of things you can do that will help to lessen the risk. These include:
Being told something is wrong with your phone, computer, or online accounts:
Scammers will often offer to ‘fix’ your device and request money or access to your accounts by posing as your phone or internet provider.
Asking for your passwords or other account details:
Legitimate companies will never ask for this information, even if something is wrong with your accounts.
Asking for remote access to your phone or computer:
Unless you have specifically requested this service, never allow someone remote access to your devices.
Online ‘friends’ asking for money:
This is very common - remember, not everyone you meet online is who they appear to be!
Pressuring you to make a fast decision:
Often, scammers will put pressure on you by threatening that you will lose something (e.g. your social media account) if you do not follow their instructions immediately. Remember that no legitimate organisation will rush you into handing over information!
If you are worried that you may have been approached by a scammer, be sure to take sensible steps to verify the identity and activity of the person who has contacted you. This can include:
Researching the person or organisation:
If you cannot find information about their organisation, do not risk interacting with them. If they say they are from a legitimate organisation, but you are still unsure, you can contact the organisation directly to verify the identity of the person who has contacted you.
Don’t click on web links sent by someone you don’t know, or that seem out of character for someone you do know:
If you’re not sure about something, contact the person you think might have sent it to check first. Check to see how the companies you deal with - like your bank - will contact you, so you’re more likely to recognise what’s a legitimate request and what isn’t.
Protect your information:
Be sure to keep your personal information and passwords secure, and think carefully before entering any details online. Be sure to avoid sharing information such as passwords, bank account or credit card details, physical addresses, driver’s licence and passport numbers.
If you gave out some personal or financial details and have been scammed - or fear you are at risk of a scam - do the following:
● Contact the service provider(s) you have accounts with that scammers could now also have access to
● Change the passwords for any online accounts you think might be at risk
● Get a free credit check done - This will let you see if any accounts have been opened in your name
For additional support, you can report a scam to NetSafe at www.netsafe.org.nz, or contact the non-emergency police by dialling 105.
InsurancesafeNZ travel insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (Incorporated in Australia), ("Hollard"). You should consider the Policy Wording before making any decisions about this travel insurance policy. Terms, conditions, limits, sub-limits and exclusions apply.
The Hollard Insurance Company Pty Limited – Financial Strength Rating and Overseas Policyholder Preference Disclosure Notice
The Hollard Insurance Company Pty Ltd has a financial strength rating of A (Strong) issued by Standard and Poor's. The Standard & Poor's rating scale is:
The rating may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.
The rating scale above is in summary form.
A full description of this rating scale can be obtained from www.standardandpoors.com.
An overseas policyholder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.
