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Travel insurance guide

We’ve put together this free downloadable guide (7.9 MB) with all you need to know before boarding the plane. You can also read it by making your way through the pages below. The guide was produced in collaboration with The Ministry of Foreign Affairs and Trade (Consular Division).


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So you’re heading overseas? Bon voyage! But before you go, make sure you get comprehensive travel insurance. It could prove as important as your passport or plane ticket.

Accidents can happen while you’re overseas – even if you’re visiting a “safe” destination. If your trip goes south, you could be saddled with an enormous bill for medical, legal and other expenses. The New Zealand Government won’t bail you out.

That’s why comprehensive travel insurance is crucial. It covers your medical costs and personal liability. It can also compensate you if your belongings go missing or you need to cancel or change a travel booking.

However, it’s important to note travel insurance doesn’t cover every eventuality and there are conditions you must meet before your insurer pays out. So before you jump on that jet plane, let’s go over the basics.

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Common questions

Here are the common questions you’ll encounter from travel agents, banks, and individual insurers when taking out an insurance policy.

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Policy types

Insurers sell different policy options, and some premium credit cards also come with built-in travel insurance. Which should you choose?

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What’s covered?

Learn about the benefits built-in to your policy – for medical expenses, belongings, bookings and more. Plus, when you may not be covered.

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Making a claim

You stand a much better chance of making a successful claim if you get in touch with your insurer promptly and gather evidence.

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Cruises, one-way trips and more

We’ve covered what you need to know in some less-common travel situations.

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Eight steps to a successful trip

Here are the steps you should take while planning your trip and after you’ve left.

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Download the guide

You can also download this guide as a pdf booklet (7.9 MB), produced in collaboration with The Ministry of Foreign Affairs and Trade (Consular Division).