Travel health insurance for New Zealand: Which one is worth it?
Be safe: The right travel health insurance for your adventure in New Zealand
Even in a safe country like New Zealand, a Work and Travel trip always comes with a bit of risk. So it’s a good idea to get yourself travel health insurance for your trip.
Whether you do it or not isn’t really checked. However, New Zealand law is now very clear: Travel health insurance is mandatory for Work and Travel in New Zealand.
So just get one. Just do it!
We’ll show you what to look out for and which providers are worth it. Enjoy!
Intro
Guys, just get insured...
Lately, we’ve been hearing from more and more backpackers who’d rather save the cost of travel health insurance and just travel without it.
Wait, what?! Seriously?!
Come on guys, that can go seriously wrong.
And honestly: the costs aren’t that high.
So just get insured!
As a decision-making aid, we offer the following service:
If you don’t get insured, we will find you.
And then you’ll get a good beating!
KiwiQuest Beating Service for the win!
Convinced? Very good.
Then let’s move on.
Step 1 - Get an overview
Alright! First, you should at least get a brief overview of the topic of travel health insurance. Since we’ve already done that, we’ll just pass on the most important info to you here.
What does travel health insurance cover?
The conditions of a travel health insurance are often long and hard to understand. When comparing, you should make sure that at least the costs for the following are covered:
- Emergency doctor and medical transport
- Inpatient and outpatient treatments
- Medications and healing therapies
- Dental treatments and prostheses
- Rescue in case of injuries
Note:
On the insurance requirement in New Zealand
Note:
About your insurance in Germany
What does a travel health insurance cost?
Of course, this always depends a lot on your individual trip. But as a rule of thumb: The longer your trip lasts, the more comprehensive your travel health insurance package should be.
As you can see in our cost breakdown:
We paid 350 euros for our 12-month stay.
This covered us against (almost) everything.
Note:
Extra costs for the USA and Canada
Step 2 - Find insurance
Yep, we remember well: hours of research, no overview at all. Only marketing and Photoshop everywhere. And once again, everyone claims to have the best offer. Eureka, welcome to the internet!
The search for the right travel health insurance was no fun at all. So you don’t have to go through it too, we’re passing on everything we learned. Here are your options:
Option 1 - Use recommendation
We spent what felt like an eternity doing internet research and phone calls. Afterwards, we definitely felt very professional. The best result of our search was the offer from Hanse Merkur.
User question:
Why this recommendation?
Option 2 - Use comparison calculator
For Work and Travel trips, there has finally been a real secret weapon for backpackers for about a year. Namely, a comparison calculator for Work and Travel travel health insurances. Finally!
User question:
Where does the calculator come from?
Option 3 - Start your own research
If you have a blast doing it, you can of course start your own search. If you come across a top deal not yet listed here, let us know! We’ll include it in the article.
User question:
What’s important in the search?
Step 3 - Book insurance
Now it’s time to book your travel health insurance. Typically, this can be done online and it’s not too difficult. You basically just need your travel dates, your documents, and possibly a credit card.
And then you’re all set!
Wasn’t so hard, was it?
You did it right.
You can be proud of yourself!
Don’t forget
Amazingly many backpackers actually forget to take care of their travel health insurance for New Zealand in time and then find themselves in a real pickle. So plan early. KiwiQuest can happily remind you:
Reminder Du bist nicht eingeloggt
Other - Pause German insurance?
If you’re staying abroad for a longer period, it doesn’t make much sense to keep paying the full fees for your German insurance. After all, it doesn’t protect you there. You can’t really “pause” your insurance as such. So what to do?
Option 1 - Cancel
The first option would be to completely cancel your statutory health insurance in Germany for your time abroad. To do this, it’s best to contact your insurance company and explain the situation. However, it can often be a bit difficult and involves a lot of paperwork.
Option 2 - Suspension
Alternatively, you can ask about something called “suspension“. This way, during your time abroad, you typically pay significantly less. Again, contact your insurance and inquire.
Frequently Asked Questions
What other KiwiQuesters wanted to know...
User question:
Is long-term international health insurance from ADAC possible too?
User question:
Are travel health insurance and international health insurance the same?
We wish you an amazing adventure!
Welcome to Team KiwiQuest!
Team KiwiQuest
