Are you a non-resident living in New Zealand planning a trip overseas? If that's you and you're on a temporary visa, you can still get travel insurance for your overseas holiday, it just might be a little tricker to find!
We’ve done the hard yards for you and found out which insurers provide cover for temporary residents. Compare non-resident travel insurance policies here:
**Click the ticks and crosses for more details on each.**
|Certain underwriters at LLoyd's|| You must be:
a) Working full time and paying tax in NZ
b) Travelling in and out of NZ on the same visa
c) Have a working visa that is valid for more than two years
If you are entitled to Reciprocal Health Agreements no cover is available.
Valid for travel within NZ and also overseas. However, a return trip to your country of residence is not covered.
|Certain underwriters at LLoyd's||Available to visitors/non-residents if you have lived in NZ for 3 months or more. Valid for travel within NZ and also overseas.|
|Certain underwriters at LLoyd's||UK Residents policy on a one-way trip back to the UK. Must purchase policy prior to commencement of journey. You must be aged 49 or under. Cover ends when you arrive at immigration in the UK.|
|Zurich New Zealand||Plan 'I' for travel only within NZ. Maximum 12 months cover.|
|Southern Cross Benefits Ltd||
a) you are on a visa or permit which allows you access to all publicly funded health and disability services in New Zealand
b) you are travelling to a destination outside of New Zealand and intend to return
c) you have not already left New Zealand
|Certain underwriters at LLoyd's||
The QBE Discover NZ Policy is available to non-residents who are under 60 years old. A maximum duration of 12 months applies. No cover for pre-existing medical conditions and cover must be purchased before arrival. The policy will also cover the period travelling to New Zealand from your normal country of residence and the period travelling back home, provided that travel to and from NZ does not exceed 72 hours.
Valid for travel within NZ and back to their home country only.
Zoom Travel Insurance
|Certain underwriters at LLoyd's||
Zoom cover non-residents for international travel provided you are:
-aged 74 years and under; and
-hold a return ticket to New Zealand; and
-have a home in New Zealand to which you intend to return; and
-hold a valid visa or permit which provides access to all publicly funded health and disability service in New Zealand or have access to long-term medical care in New Zealand that is valid for the entire journey and beyond the end date of your policy.
General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.
You never know you might be eligible for health care in New Zealand already. New Zealand has reciprocal health agreements with Australia and the United Kingdom. For more information you should visit: http://www.health.govt.nz/new-zealand-health-system/eligibility-publicly-funded-health-services/reciprocal-health-agreements
The four main things to ensure you've got covered are:
Whether you're here in New Zealand for a quick visit, or a four year work visa, non resident travel insurance is a vital part of every trip.
Not being a Kiwi shouldn't stop you from going overseas and seeing the world. There are plenty of options out there for you, you'll just have to look a bit harder. Get cover today to ensure a smooth-sailing, stress free holiday!