New Zealand Travel Insurance
New Zealand is one of the safest holiday
destinations in the world. However, like any other travel
destination it is highly recommended that all visitors be covered by a sound
travel insurance policy as if the worst does happen, you could still be stuck abroad with a mounting mountain of debt.
Australia and New Zealand have a reciprocal health
agreement, allowing Australian visitors to access a range of hospital services,
pharmaceuticals and maternity services while visiting New Zealand. However, as
existing conditions are only covered where treatment is considered essential – as
in emergencies – it is strongly recommended that all visitors to New Zealand
take out comprehensive travel insurance.
Click below for your New Zealand Travel Insurance quote
While there is the reciprocal health agreement, this
does not allow for regular treatment for an existing condition. Furthermore,
temporary visitors will have injury or illness reviewed, and if the patient is
considered medically well enough to fly then he or she will be returned home. The reciprocal health agreement does not cover the costs of medical evacuation.
Australian visitors to New Zealand are also not entitled
to publicly funded emergency transport by ambulance even in an emergency
situation, and are not eligible for free primary healthcare consultations. Should any visitor be
hospitalised for a lengthy period during their stay in New Zealand, it may be
possible to claim expenses under the travel insurance for flying a family member over to keep the patient
*subject to the terms and conditions of the PDS
Health must be a top priority but there are a number
of other circumstances that merit consideration within a travel insurance
policy. The loss or theft of personal belongings, valuables, or cash can ruin a
holiday and leave the traveller out of pocket. Consider a policy which covers such losses and where possible, luggage delay expenses.
Cancelling a flight can be costly and most of us
would only consider doing it if there was a death or illness in the family.
Unfortunately, most airlines will not offer an alternative free flight and your travel insurance may cover you in these circumstances. It may also give cover for additional expenses you may incur if your flight is cancelled or delayed.
It is not compulsory to have car insurance in New
Zealand but it is recommended that at least third party insurance be taken out
to reduce the risk of being caught up in an accident and subsequent debt. While
hire car companies offer a basic insurance, the excesses can be high and you may find that your insurance
provider can help offer cover the cost of those excesses.
Even when visiting a safe country like New Zealand,
there is always an element of risk, so make sure your insurance policy covers