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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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Welcome to InsurancesafeNZ

Welcome to Whether you're travelling to study, work or simply explore the globe, it’s important to make sure that you have the right level of insurance cover to protect you in the event of unexpected loss or illness.

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).

Handling Exam Season Stress

Wellness for good work

Wellness for good work

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.

Visiting Europe from New Zealand

Visiting Europe from New Zealand

If you’ve spent a while in New Zealand, you might be feeling like it’s time to try somewhere else for a little holiday. Rather than just heading home, or visiting somewhere close by, why not make it a real adventure and trek to the other side of the world – Europe?

Seasonal planning

Some people chase summer, avoiding the colder months of the year. Other people – mostly skiers and snowboarders – will go anywhere in the world there’s snow. Pick your time of year depending on wha

What To Expect At A New Zealand School

Socialising for Free in New Zealand

Socialising for Free in New Zealand

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!


Kiwi Workplace Etiquette

Kiwi Workplace Etiquette

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

Taking care of your sexual health

Taking care of your sexual health

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.

STI protection


Perfect Packing

Peace of mind creates the best adventure

Peace of mind creates the best adventure

Making sure you return from holiday with great memories

Travelling can be a real adventure – but an important part of any overseas experience is making sure that you keep yourself safe while you’re exploring.

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

The best ways to escape the Kiwi Winter

The best ways to escape the Kiwi Winter

Escape the Kiwi winter – discovering the Pacific and Australia

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

Dealing with anxiety

Dealing with anxiety

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

Navigating Kiwi Customs

Navigating Kiwi Customs

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!

Knowing your left from your right

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

Finding Hidden Gems

Navigating New Zealand Airports

Flatting on a Budget

Flatting on a Budget

Creating a rewarding lifestyle you can afford

There are always going to be some expenses when you’re moving to a new place – but there are plenty of ways to minimise the costs.

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

How to make friends

How to make friends

How to make new friends while you’re studying abroad

It’s natural to feel homesick and very far away from friends and family while overseas – but there are some easy ways to find new friends wherever you may be!

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

Finding a place to call home

From Study To Salary

From Study To Salary

Simplifying the start of your working life in New Zealand

In order to get the best start possible when it comes to working in New Zealand we have some advice from those who have done it themselves!

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

Transitioning from study to work

Keeping Safe and Healthy

Keeping Safe and Healthy

Looking after yourself when you’re caught up in your new life

Knowing how best to look after your health and look out for your safety is key to travelling with peace of mind.

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

Keeping in touch

Keeping in touch

The best ways to stay in contact with those back home

While you’ll want to make new friends and connections while abroad, it’s really important not to forget about everyone back home.

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

Everybody needs good neighbours

Keeping Things Honest

Learning a foreign language

Learning a foreign language

Tips for expat parents

When you arrive in a new country, exchanging a few words of conversation with a local can help you to feel settled. It’s a great way to get to know people, and a useful skill to have for your time abroad. Here, we take a look at how expats parents can prepare themselves and their children for this challenge and provide some tips for successfully mastering the local lingo.

In general, the younger your children are the easier it will be for them to pick u

Moving overseas with a pet

Moving overseas with a pet

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.

Before you go:

Research animal import regulations for your new country of residence, to determine what conditions must be met for your pet to be allowed en

Making your travel dollar go further

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.