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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
Graduating is an exciting process – it’s time to celebrate the years you’ve spent working hard towards getting your degree! But then it’s time to become a fully-fledged grown-up contributing your part to society.
Everyone has something to offer
When you’re studying most of your time is spent with people on courses similar to yours who are generally of a similar age and experience. In the workplace you will most likely come into contact with a much wider group of people. Some may not have qualifications but have been in the industry for many years and know everything about the business from the inside out. Others may have extensive professional and academic experience but have never worked in the industry.
Take the time to observe and see how people in the workplace interact with each other. You may find that those older than you work in a different way than you. And if you work for a large company there may be geographical differences between you and your colleagues which can require changes to how you interact and get the most valuable information from them. Everyone in an organisation tends to have something to offer, it just may require taking a step backwards and the time to get to know someone in a different way.
9 to 5
The first couple of months can be hard as you adjust to a full day of working. No longer can you pick and choose what you do throughout your day, you are now being paid to work from 9–5 (or longer). You need to make sure that you get what needs to be done sorted out when it is due. There’s no begging your lecturer for an extension in the business world! A good mantra to have is ‘under-promise and over-deliver’ because if you can tell someone you will do a task by the end of the week, but you get it through to them by midweek, you will be in a good place, whereas the other way round will cause some tension.
Having a regular routine can also help to adjusting to the 9 to 5 lifestyle, as you’ll have an action plan for each day. This can include scheduled walks to keep your brain fresh and dedicated times of the day to do administration tasks.
Focus on solutions
At university it can be enough to just get a job done and the same may be true of some companies. However, if you are able to be solutions-focused at work you will stand out. If there is a manual task that can be done in a more automated fashion, speak up! You’ll always stand out in a positive way if you can show you’ve got initiative – it’s a great trait to have when it’s time for a review or appraisal.
Being solutions-focused can also be helpful for stress. Looking at the causes and assessing what you can do about them (and sometimes seeing what is out of your control) can make your problems seem more manageable. This attitude can also be useful in a team environment where you have to be able to look at things from someone else’s perspective.
Self-awareness and self-belief
When you enter the workforce, you will no longer have someone telling you what to do. Now is the time to take charge of your own life and embrace your failings as much as your successes.
When you enrol, you pick a course based upon what you’re good at, what your parents want you to do or simply to get a degree to show that you have achieved some level of higher education. On the other hand, when you enter the workforce it’s important to understand who you are and what you value in order to get a job that will satisfy you and challenge you at the same time.
Keep challenging yourself
Depending on the organisation you’re working for you may or may not find yourself challenged enough. If not, it’s worth looking for opportunities to challenge yourself further not only because it will keep your mind active but also because it can demonstrate what a good worker you are.
Build bridges, don’t burn them
When you’re in the working world you need think continuously about your next step. Networking is a valuable skill and it’s important to keep on good terms with your employers, clients and colleagues as you never know who may be able to help you later on in your working life.
In smaller countries like New Zealand, people can be very well connected. So taking the time to get to know the people around you can be very valuable. Something as simple as remembering someone’s name after you have met them can have a lasting impression which might lead to a future job.
Ask for help
If you don’t usually ask for help then this is the time to start! Asking questions or admitting that you don’t know how to do something can work in your favour as opposed to just pretending you know what to do or what is being talked about. There is a time and a place for ‘faking it until you make it’ and that tends to be when you have a bit of spare time to go and research a solution. Asking for help does not make you a failure. Often people will feel valued that you asked them and will respect you more for being honest.
Learn how to budget
Not everyone is in the same boat as you and it may be hard to budget when you first start earning but it is well worth it in the future. When you’re a student almost everyone is on a budget and it’s a lot easier to manage your money when you aren’t being put into situations where extreme spending is expected. However, when you start working it can be very easy to get caught in a situation where you are buying lunch with your colleagues every day and then find yourself low on funds at the weekend when there is something you really want to do.
Invest in your relationships
At university you are surrounded by young people who are all in the same situation. It’s a great environment for making friends who will last a lifetime. But when you move into the workforce maintaining these relationships can be a lot harder as everyone goes off in different directions. It may be a little more challenging but it is worth investing time in those relationships that are most important. It can be as simple as catching up for coffee with a friend once a month.
Learn your triggers
Learn what stresses you out, what makes you happy and what motivates you. Taking a bit of time for yourself each month can really help identify these concepts. Once you know what motivates you and what you value, you are better able to help your manager manage you and you are better able to understand what kind of company you need to be in and people you need to be around in order to get the most out of life.
Similarly, if you know what triggers your stress then you can work on managing your stress levels and come up with ways to deal with it so that it doesn’t impact on your performance in the workplace.
Upgrade your insurance
After your studies are completed, you will no longer be eligible for the Studentsafe policy. If you decide to stay in New Zealand to work on a work visa, you will be eligible to apply for the Workersafe policy. Moreover, when you start working you earn more money, which means you’ll probably invest in some more expensive items. Other aspects of your life will change too, so it’s worth looking at your insurance policies to see what they cover.
The future is unpredictable and it can be hard to know what to do and what is expected of you. When you are transitioning from study to work the most important thing to do could be to take a bit of time to get to know yourself in order to head out in a direction that suits you best.
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.
