Insurance Safe

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?

Scroll down mouse wheel

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

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


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

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

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

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

Finding Hidden Gems

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

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 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

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 attractions – but having the best time possible is a whole lot easier to do when you know that you’ve got peace of mind from travel insurance.

What travel insurance is

Travel insurance is intended to cover a particular set of financial losses and/or lump sum payments for accidents that can occur while travelling. Pretty simple! Your policy might include cover for the following risks:

Medical and repatriation services. This section usually covers you for expenses reasonably incurred in respect of: (i) medical treatment including surgical fees, hospital charges and emergency dental treatment, (ii) additional hotel/travelling expenses of the patient or a friend, member of the family or a nurse travelling with the patient, (iii) additional expenses due to delays resulting from an injury or illness, (iv) transporting the patient (you) back to your home country for medical reasons including the use of an air ambulance, etc.

Cancellations and travel disruption. This section usually provides for reimbursement of deposits and payments made for transport and accommodation booked and not used by you due to the necessary and unavoidable cancellation or interruption of the journey as a result of causes beyond your control, such as death, illness or accident of the insured, defined close relatives or your travelling companion. This section may also cover additional expenses for defined travel delays due to missed connections or for cancellation and curtailment of public transport services due to strikes and hijacks.

Luggage, travel documents and money. This section usually covers loss or theft of and damage to personal baggage, including clothing and personal effects. This cover might also apply for loss/theft of your passport or other travel documents – and in certain circumstances can even include money, if it has been stolen from you.

Personal liability. This covers your legal liability for injury to third parties or accidental loss of or damage to third party property.

There are also extras that you can choose to add on, depending on how comprehensive your policy is. This can include cover for specified additional items such as jewellery or expensive electronic equipment or cover for pre-existing medical conditions.

What travel insurance isn’t

Like any kind of insurance, there are circumstances and activities that travel insurance won’t cover. So while travel insurance is there to help keep your trip running smoothly, it’s not a license to run wild and live dangerously.

If you’re looking into some more extreme activities, it’s important to make sure it’s covered. Being left liable for medical expenses is the last thing you want to happen when you’re recovering from an injury or illness away from home!

You also need to be responsible about your possessions – make sure you’ve read through your policy to make sure you don’t put yourself into a situation where you won’t be covered if something goes wrong.

Ensuring you have the best time possible

Being responsible doesn’t mean being boring! The world is out there and this is your chance to seize the moment and discover new and exciting things. You’ll see amazing sights, you’ll meet fascinating people, you may even pick up a little bit of the local language. Here are our top tips for travelling safely while still having an amazing time.

Prepare your passport. Before you head off on your adventures, be sure to leave photocopies of your passport and your travel itinerary with someone back home. It’s also wise to carry a photocopy of your passport with you, separate from your actual passport – so you have some form of identification to speed up the replacement process.

Important contacts. As well as contact details for your loved ones back home, it’s sensible to keep contact details for your nation’s embassy or consulate on hand. Be aware that not all nations have embassies in all countries however and sometimes your closest diplomatic mission may be in a neighbouring country. For example, there is no Saudi Arabian or Sri Lankan embassy in New Zealand – instead, nationals from those countries can connect with their embassies across the Tasman in Canberra. It’s also worth making a note of international phone numbers for your bank and credit card company.

Medical safety. If you require prescription medication, pack a note from your doctor outlining all of the medication you are currently prescribed – and be sure to keep medications in their original containers so that you don’t need to worry about questions being asked about any medication that you’re carrying. If you’re travelling to certain places, you may also be recommended to have immunisations prior to your trip – you can talk to your regular general practitioner or a specialist travel clinic about particular destinations.

Talk to your telco. With modern technology, we’re all deeply connected to our devices. Often, when you step off a plane in a new country your phone will automatically connect to a local network. But if you don’t investigate roaming charges or international calling plans, you may find yourself running up a huge bill. It may be easier to use a pre-paid calling card, or if you’re travelling in a country for a longer period of time you could purchase a local sim card so that you can use local networks at local prices.

Making sense of money. You will make life a lot easier for yourself if you inform your credit card company that you’ll be going overseas – otherwise, you may discover that your account has been frozen for suspicious activity. Having two different cards can also be worthwhile as some machines may only accept Visa or Mastercard. You can also exchange money in advance – but do keep in mind the limits that your policy has in place regarding coverage for cash.

Getting a sense of direction. If you’ve got a smartphone, but you don’t want to use data while you’re overseas, one way to make the most of your device is to download maps of the local area beforehand. You can find out more information about how to do this online – just make sure to search for your phone’s Operating System and your preferred map app. You can still use GPS while your data is switched off, too – just be aware that it may not be as precise as it would be when using data.

Keeping important things close. They may not be the most fashionable of garments, but an anti-theft pouch or belt can be a huge help. Whether you go for the pouch around the neck or a belt around your waist, you can keep your important items – passports, cash, credit cards – safe underneath your clothing so that they are well away from pickpockets and opportunistic thieves.

- Staying safe. When you’re in a new place, you won’t always know how to stay safe – whether it’s knowing what parts of town to avoid, or knowing which taxi companies are reliable. While doing some research beforehand can help a lot, there are also little things that you can do to keep yourself safe. Travel with a companion where possible, or if you’re heading off on your own, make sure to let people know where you’re going. It could be someone else staying in your hostel, or even sending a quick message to someone back home. If you see a stack of business cards at the counter or your accommodation provider, grab one! You never know if you’ll find yourself somewhere unexpected and unsure of how to get back to your home for the night, so having the exact location and contact details of where you’re staying on hand at all times can be very helpful.

Having a plan that keeps you safe and ensures you are covered if anything unexpected happens is important for travelling. A comprehensive insurance policy can help with this. It’s important that you read and understand your policy wording in order to have the best time possible without any worry! That way, you can enjoy your time abroad knowing that you and your possessions will be looked after.