Travel Insurance New Zealand Compare
Comparing travel insurance policies for a New Zealand trip is a fairly easy process, regardless of what type of cover you’re looking for. There are options for young and old, singles, couples, families and even seniors travel insurance New Zealand packages for retirees. When you get travel insurance, you can rest assured that you’re covered for illnesses, accidents, theft or loss of luggage as well as unexpected cancellations. However, you’ll want to keep in mind the costs as well as the benefits.
Cost of New Zealand Travel Insurance
The cost of travel insurance that you’ll be required to pay depends on various factors such as your age, state of health, reasons for travel etc. That’s why there are different packages to cater for all types of situations and needs. Here are a few examples of the types of policies that you’re most likely to come across:
- Basic Policies ($28 to $44) -This is a cheap travel insurance New Zealand policy in which for as little as $28, the Joey Cover from Kango can get you $5million medical cover, as well as $1.5 million in personal liability cover at an excess cost of just $250.
- Standard Policies ($45 to $53) - For just $47 you can get pretty decent cover from Fast Cover, which includes unlimited medical and liability cover, $2,500 hospital cash allowance, $5 million towards personal liability, $30 000 for unexpected travel costs, $15,000 for theft or loss of luggage and much more. All of this is available at an excess payment of just $200.
- Premium Policies ($53 to $256) - At just $59, you can get areally generous cover that includes unlimited medical expenses and cancellations, $15,000 towards your luggage, $5,000 cash stipend for hospital stays, all for just $59 from 1Cover’s All-inclusive Policy.
Healthcare Reciprocity with Australia
The two countries do share mutual healthcare agreements, which give Aussies exclusive access to New Zealand government healthcare facilities and hospitals at no charge. The country’s Accident Compensation Corporation (ACC) offers free hospital treatment to anyone that’s been injured due to an accident. However, these agreements do not cater to patients with ongoing health issues, and you’ll have to make your own provisions for that type of treatment.
Your travel insurance will cover a variety of issues, including:
- Medical - Thanks to all that adventure, quite a lot of accidents and injuries occur in New Zealand on an annual basis, hence the need for comprehensive medical cover and reciprocal care. That said, the medical aspect of your policy will not cover any additional costs such as accommodation, flights or medical repatriation. Ski travel insurance New Zealand is another unique form of cover that you can look forward too though.
- Luggage - Your policy will also reimburse in the event of losing your luggage or any personal effects. This includes things like camera equipment and even the cash in your wallet as well.
- Cancellation Fees - Unexpected cancellations due to unforeseen events like accidents, natural disasters, severe illness or injuries may also be covered in your insurance. This is especially important because New Zealand experiences quite a number of earthquakes each year, which often warrants a change of plans and unexpected trip cancellations.
- Personal Liability - If you happen to damage someone’s property or injure someone unintentionally during your trip, you’ll be able to reimburse them from your cover amount, which makes provision for personal liability to a certain extent.
What’s not Included?
- Illness or accidents due to extreme intoxication
- Travelling in spite of terrorism warnings
- Engaging in high-risk activities that lead to injuries or accidents
- Leaving your belongings unattended
- Pre-existing medical conditions
- Items that are not reported within 24 hours of being stolen or lost
How to Save on Travel Insurance for New Zealand
Here’s how to get a cheap travel insurance package in New Zealand:
- Compare travel insurance New Zealand prices before you make a choice.
- Get an annual insurance cover if you know how often you’ll be travelling throughout the year to save you money.
- Choose an insurer that provides cover specifically for the New Zealand destination instead of the whole Pacific.
- Increase the excess amount required when making a claim in order to get a lower premium.
- If you’re travelling as a group or a couple, you can get joint cover to save even more.
Safety Speed Dial
Here are a few helpful safety contactsto keep in mind when travelling to New Zealand:
- i-SITE New Zealand Visitor Information Network 22/157 Lambton Quay
Wellington, New Zealand
Telephone: (64-4) 462 8000
- Australian Consulate-General Level 7, Price Waterhouse Coopers Tower
186-194 Quay Street
Auckland City, New Zealand
Telephone: (649) 921 8800
- i-SITE Queenstown Visitor Information Network 22 Shotover St
Queenstown, New Zealand
Telephone: (64-3) 442 4100