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Studentsafe
Outbound

The Studentsafe Outbound policy provides travel insurance cover to New Zealand residents, citizens and student visa holders who are leaving New Zealand temporarily for study.

Studentsafe
Inbound University

The Studentsafe Inbound University policy provides travel insurance cover for international students studying at a University in New Zealand.

Studentsafe
Inbound Learners

Our Studentsafe Inbound Learners policies are designed for international students studying at a New Zealand primary school, college or tertiary institution that is not a university.

Studentsafe
Domestic

Studentsafe Domestic is a travel insurance policy designed for New Zealand residents or citizens living and studying away from home within New Zealand.

Congratulations! You’ve made the decision to study overseas.

Studying abroad or even within New Zealand if you are a New Zealander, is an exciting adventure. But like all adventures, this comes with some level of risk. That’s why it’s important to make sure you have your medical and travel insurance under control. If you are coming to New Zealand, you’ll also need medical cover to qualify for an international student visa. Use the Policy Finder to narrow your policy search, or click on each policy to learn more about the level of cover provided and get a quote.

Studying in New Zealand:
Luckily if you’re an international student who’s been accepted to study at a New Zealand University, your Studentsafe Inbound University policy is offered as part of your enrolment process. If you are not an international student or you are studying at a different educational provider, we can still provide you with a policy.

Studying outside of New Zealand:
If you are currently residing in New Zealand and wishing to study overseas, you might be interested in our Studentsafe Outbound policy.

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Policy Finder

What policies are you eligible for?
Answer our simple questions to get started.

01 What is the reason for your travel?

02 What country will you be travelling to?

03 Where will your travel start from?

04 Where will you study in New Zealand?

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Keeping Things Honest: Your Responsibilities

Your Responsibilities When It Comes To Insurance

Allianz Global Assistance takes a zero tolerance approach to fraudulent activity, and will actively investigate fraudulent behaviour.

Your Duty of Disclosure

When you apply for insurance cover, you are required by law to provide complete and up-to-date risk-relevant information – this is sometimes called disclosure of material facts. You must also disclose any information that you may have which could influence an insurer in deciding whether to accept the cover, what terms and conditions will apply and what amount of premium is payable. If you have any doubts as to whether certain information is relevant or not, you should tell us about it so we can consider it.

Examples of information you might need to disclose include:

  • Any criminal conviction subject to the Criminal Records (Clean Slate) Act 2004; 
  • If an insurer has declined or refused you any previous insurance, has imposed special terms on a policy you have held or refused a claim you have made; 
  • Any insurance claim or loss you have made or suffered in the past. 

If you fail to disclose relevant information, you have breached your duty of disclosure and we could:

  • Any criminal conviction subject to the Criminal Records (Clean Slate) Act 2004;
  • If an insurer has declined or refused you any previous insurance, imposed special terms on a policy you have held or refused a claim you have made;
  • Any insurance claim or loss you have made or suffered in the past.

If you fail to disclose relevant information, you have breached your duty of disclosure and we could:

  • Refuse to pay part or all of a claim you make;
  • Cancel your policy; or
  • Treat your policy as having never existed from its start or last renewal date.

If you are a student and your policy is cancelled or voided and an insurer subsequently does not wish to provide you with insurance cover, your visa and your ability to continue studies in New Zealand will be at risk. Proper disclosure is extremely important so if you are unsure about anything to do with your duty of disclosure, please ask us.

If Your Circumstances Change

Once you have provided all the necessary and relevant information and purchased your policy, it is then your responsibility to ensure that the information you have provided us with is kept up-to-date. Some examples of changes to circumstances include:

  • If your visa to study and live in New Zealand is cancelled or withdrawn for any reason;
  • If your enrolment with the University ceases or you withdraw from your course of study;
  • If you are the subject of criminal investigation or prosecution;
  • If any other insurance policies you hold are cancelled or renewal is refused by the insurer; or
  • If any circumstances occur which may affect our decision to insure you.

If you do notify us of a change, such as those detailed above, we may, but are not obliged to, change the terms of the policy, alter the premium or cancel your cover under the policy.

If you fail to notify us of a change, any loss, damage, liability or disablement that happens after the date of the change may not be insured and we may cancel your insurance. Again this could put your visa and ability to study in New Zealand at risk.

Misrepresentation and Fraudulent Claim Making

It is of the utmost importance that you be completely truthful and transparent with us when it comes to making a claim. Not only does your honesty allow us to process your claim quickly and efficiently, it also ensures that you can continue to live and/or study in New Zealand without any fear that your studies or visa could be put in jeopardy by any cancelled insurance.

If you make any false declarations to us, or provide us with false or incorrect information in support of any claim, we may decide not to pay your claim and cancel your cover from the date the incorrect statement or fraudulent claim was made. The significance of your insurance cover being cancelled should not be overlooked as this may put your visa and ability to study in New Zealand at risk.

Furthermore, if we decide that you have provided us with false, incorrect or misleading information with regards to a claim, you could be subject to the following:

  • Your studies being curtailed if you no longer have valid insurance due to cancellation of the cover;
  • Prosecution and imprisonment under the Crimes Act 1961; and
  •  Being declined cover from other New Zealand insurers in the future.