Is your Facebook timeline filling up with pictures of friends skydiving against the stunning New Zealand backdrop? Are you looking forward to getting your own version of this image along with others as you pose in front of the springs at Rotorua or cruise along the Bay of Isles? And who can miss the famous Lord of The Rings tour!
Considering that New Zealand is one of the most visited international destinations for Australians, you’re probably already familiar with the dos and don’ts for your holiday. But when it comes to choosing travel insurance, it’s a good idea to go over a quick checklist of things to keep in mind before you buy one. So here goes.
Just like for any other overseas holiday destination, when you travel to NZ you need travel insurance so you are covered against any unforeseen circumstances such as last minute cancellations, flight delays, lost or stolen baggage, natural calamities or accidents. It does sounds a bit negative, doesn’t it, but for a small amount of money it is better to be safe than sorry.
Of course, we hope your holiday is a smooth sail, but whether you’re planning a long road trip across South Island or an adventure holiday in Queenstown, it’s best to get cover for any potential emergencies.
While a basic travel insurance covers you for things like medical treatment, it’s important to read the fine print and see if you need any additional inclusions based on your NZ itinerary. This can vary for different people depending on factors like the number of people travelling, their age, the duration of the trip and what you are planning to do while in New Zealand.
To begin with, here are some of the basic things anyone should consider while buying travel insurance for New Zealand:
Flight cancellation or delays. Unfortunately, flights getting cancelled or delayed is way more common than we would like to imagine. While sometimes you can wait until the next flight the airline arranges for you, there could be a chance that you don’t have the flexibility to alter your plans and need to reschedule immediately. In such a case, the airline may not bear the cost for your change in tickets and you’ll need to pay the charges yourself. Whereas if you get travel insurance, you will be able to claim any additional money you need to spend for flight cancellation or delays.
Loss of luggage. Even though your travel insurance to New Zealand will cover lost luggage, it’s a good idea to not carry cash or other precious belongings in your checked-in luggage. If you are carrying expensive things like Skis or computer equipment then it might be wise to look at extra cover for your luggage. But be sure to not leave your bags unattended because if you lose them out of your own carelessness, the insurance company can reject your claim.
Luggage delay. Have you ever thought as to what happens if your luggage gets delayed beyond the minimum period of time and you’re left with no spare clothes and toiletries? Your travel insurance policy can reimburse you the money for buying ‘emergency’ clothing, etc for this period. The amount of money allowed for this would depend on the kind of policy you get so be sure you read the fine print before splurging at designer stores for a new pair of jeans.
Medical expenses. Good news is that New Zealand has an excellent public health system and Australian citizens as well permanent residents have access to a Reciprocal Health Care Agreement between Australia and New Zealand. While this makes you eligible for free public medical treatment in case of an emergency, you could still be required to bear certain costs, say if you need to visit a GP, buy prescription medications or get diagnostic tests. Travel insurance can cover you for these additional costs. Also, in case there is a situation where a medical emergency evacuation is needed, travel insurance can also provide for that.
Accidental death and injury. Now it’s not the type of thing you want to think about when you’re going on a holiday but in the unfortunate event of death or permanent disability, your travel insurance policy can potentially cover for certain essentials for your family.
Personal liability. Again, we’d like to believe that we are careful travellers but then accidents do happen, and just in case you wind up in a situation where you’ve accidentally hurt a person or property, personal liability can protect you from the damages.
Airline and holiday default. Your travel insurance can also cover you in case your prebooked airline or hotel shuts shop or goes bankrupt.
Now let’s get more personal. Here’s a list of inclusions that you should look out for based on your New Zealand holiday:
Rental vehicles. Have you been dreaming of driving along the stunning highways in New Zealand in a campervan? Many travel insurance policies include rental car excess cover, which means that you can say no to this expensive add on at the rental car showroom and put the money towards better NZ tourist attractions.
Snow cover. Planning to ski over the snow capped Kiwi peaks? Snow cover makes sure you’re protected against any injuries or extreme weather conditions like blizzards. Snowy slopes makes for a picturesque setting but in case of a snowstorm you should have a backup option to delay or cancel your trip.
Adventure sports. New Zealand has established itself as an international adventure hub with some of the most jaw-dropping locations for bungee jumping or skydiving and top notch infrastructure for extreme sports. Unfortunately, standard insurance will not cover you against these sports. So, if you’re planning an adrenaline pumping holiday, it would be best to get additional insurance for the sports you’re planning to try.
Cruise insurance. Cruising is a popular holiday option for seeing NZ’s North and South Islands? But did you know that as soon as you set foot on a cruise liner standard overseas travel insurance and Medicare will not cover you for a medical emergency? Having cruise cover will be a little bit more expensive but definitely worthwhile.
Family insurance. Travelling with the kids? No need to spend on travel insurance for the little ones separately. Most travel insurance providers can include children under the age of 12 years in your policy.
Looking for the best travel insurance policies for New Zealand doesn’t have to eat up precious hours. With Mozo’s insurance comparison calculator it will take hardly any time at all once you type in your travel details.
We don’t need any personal information like your telephone number or address, just enter in basic info like your travel dates, the number of people travelling and if you need a special cover like for snow or sports and we’ll detail a list of insurers that will cover you for your holiday.
Want to know how much you’ll need to roughly pay for your travel insurance to New Zealand? Check out this table of prices for a 14 day trip:
|Single trip||Basic Cover||Comprehensive Cover||Including extras like snow cover|
Virgin Money Basic
Travel Insurance Saver
Easy Travel Insurance
Ages 38, 39, 3, 9
Easy Travel Insurance
Insure and Go Bare Essentials
While making an insurance claim is a fairly straightforward process, you need to make sure you you’ve saved all the relevant documentation from your NZ holiday that goes to prove your claim. For instance, hospital bills in case of a medical emergency or police reports in case of a theft. Once you’ve got all this ready, don’t waste any time before you make your claim. The sooner your insurance provider knows about your claim, the sooner they’ll be able to respond. Just follow these simple steps to report your claim:
If you’ve carefully read the terms and conditions of your travel insurance policy and have combed through the fine print with a microscopic eye, then there’s no good reason for your claim to be rejected.
Unfortunately, many travellers don’t bother familiarising themselves with the seemingly minor details of their policy and in the process have their claim rejected. For instance, while you may have paid for an extra cover for skiing and other snow related sports, if you have an accident while you were under the influence of alcohol, your insurance provider can reject your claim. Similarly, if you left your baggage unattended, and it was stolen, your claim could be rejected. These small slips can lead to losing a lot of money, and that’s why it is absolutely crucial that you read your insurance policy properly.