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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
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.
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.
