Travel insurance for New Zealand: our comprehensive guide

Travel insurance New Zealand: what coverage do I need to take for a trip to the country of the kiwis and fern?

New Zealand is a beautiful country where nature is lush. That you go to discover the landscapes of Lord of the Rings , that you simply want a total change or that you are attracted to the growing Wellington and d Auckland This country is to be discovered absolutely. And to fully enjoy it, we invite you to subscribe travel insurance for New Zealand. This will allow you to be covered in case of unforeseen.

Comparative travel insurance for New Zealand

Regardless of the assurance you are looking for, a comparison is required. This is the most relevant solution to find the best coverage depending on the trip you plan to do. We have grouped in the table below some offers from insurance companies.

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What is the best travel insurance for New Zealand?

The best travel insurance is the one meets your requirements . If you have a tight budget, it will be the price you will consider. If you are customary with accidents and health problems, you will be of particular interest to guarantees.

There is no better travel insurance for New Zealand for all. Each must find the most coherent coverage according to its activities, the duration of its stay, its profile, etc.

Today it is quite possible to customize your guarantees. So you get a tailor-made offer that allows you to get the best value for money. That’s what we think is a good insurance to travel.

What is the rate of travel insurance for New Zealand?

Insurance prices vary according to different parameters. An insurance company has a specific job: it must ensure a risk. It must therefore project itself by imagining, depending on the context, the compensation it could be brought to offer to its insured. This will determine the price of travel insurance.

Therefore, when a customer asks for a price, he cannot obtain a quote without having exposed his own situation.

Let's imagine four students left to discover New Zealand on the nature side. From the white sandy beaches of Cathedral Grove to Tongarino National Park, to Abel Tasman and Kaikoura National Park, they will multiply activities. Trek, scuba diving, kayaking, all this creates a potential risk of injury. The insurer will take this into account when calculating the cost of travel insurance.

Let’s now imagine a band of sexmakers who are going to visit Auckland’s museums to discover local art and Maori culture. The risk to be assured here is no longer the same. Certainly, the risk of injury is limited. However, the age of travellers who are naturally more inclined to consult a health professional during their stay in New Zealand must be considered.

Specifically, the cost of travel insurance is calculated according to the following parameters:

• Age ;
• Number of persons to be insured ;
• The duration of the stay ;
• Nature of activities ;
• Guarantees agreed.

Why take travel insurance for New Zealand?

This meets a need for financial and human coverage. In the event of a bunny, you are no longer alone and receive a care at the height of your guarantees.

What are the guarantees of multi-risk travel insurance?

With travel insurance, you have the choice of guarantees. From the most basic to the strongest, it is to determine the best choice according to your stay in New Zealand.

Here are the guarantees offered for your trip:

• Medical care (including in case of hospitalization);
• Civil liability insurance ;
• Travel cancellation insurance ;
• Repatriation ;
• Travel change insurance ;
• Baggage insurance in case of loss or flight ;
• Research and rescue costs ;
• Legal protection ;
• Extreme sports insurance.

Beyond the choice of guarantees, we draw your vigilance on the general conditions. Thus, for optimal protection, you must consider the following points:

• English ;
• Deficiencies ;
• Exclusions ;
• Compensation.

The compensation cap must be consistent with your car. For example, in New Zealand, medical expenses expensive. You must make sure that your refunds will be well within your expectations.

Is travel insurance mandatory for New Zealand?

No, there is no no obligation to subscribe to travel insurance if you go to discover this beautiful country. Travel insurance is only mandatory in a few countries in the image of Russia or of Algeria .

Of course, some of you say that if this is not mandatory, what good is to subscribe to one? And yet! With travel insurance for New Zealand, you will be sure to be covered for the guarantees we have cited above. In case of urgent and unforeseen need to be treated, if you make a fall that requires hospitalization, if you get your luggage stolen, you will be delighted to have subscribed this cover. This insurance allows you to anticipate heavy expenses that you may not be able to assume.

The importance of repatriation insurance for New Zealand

In New Zealand, you can find more than 19,000 km from France. You have very clearly crossed much of the planet.

You will have noted that a plane ticket is not given. Imagine that during your stay you are sick or injured to the point of being repatriated to France and that you need the assistance of a health professional during your return. Without insurance, you will have to take charge of your plane ticket, the one accompanying him, pay the time he has spent travelling with you and the steps related to this medical repatriation. Here you have to count tens of thousands of euros.

As well, as you leave for a short or long-term stay, anything can happen during your absence. If you lose one of your loved ones and it requires an early return to France, the repatriation assistance will cover your costs.

Am I reimbursed for my health care in New Zealand?

In New Zealand, you can be required to make health spending. Outside the European Union, Social Security cannot proceed in advance of costs. On the other hand, it can reimburse you as soon as you apply. It is enough for this to fill the form “care received abroad” and to include supporting documentation.

However, the refund will be low . Indeed, Social Security will be based on convention rates in France, which are far below actual spending and the cost of care in New Zealand. With travel insurance, you can complete your refund.

Does my Visa or Mastercard card cover me in New Zealand?

You own one Visa first or Gold Mastercard ? You benefit from included travel insurance. Is that enough? It depends. If you are planning a trip of more than 90 days, the bank card is not enough because it does not guarantee long-term travel.

In addition, we invite you to consult your guaranteed limits, franchises and exclusions to ensure that this solution will be sufficient and that independent travel insurance is not required.

What insurance will take in case of car rental in New Zealand?

New Zealand is a vast country of interest to discover all facets. For this, one solution: rent a car. This makes it possible to circulate completely free and make a beautiful road trip in an exceptional country.

But so that it doesn't turn into a financial nightmare, it's better to be assured. A good car rental insurance must allow you to limit your remaining loads, that you damage the vehicle of a third party or that your own vehicle is damaged.

Compare your rental offer with independent insurance to limit the amount of the franchise and increase the coverage.

Administration, health and safety for New Zealand: our advice

Here are some tips to read before leaving in New Zealand to fully live your stay.

What visa for New Zealand?

France signed a visa waiver agreement with New Zealand. Therefore, No need. ask one to discover this country.

However, you must have a passport that will be valid at least three months after the scheduled departure date.

Health & Hygiene

At the health level, there is no no particular risk New Zealand. Whether you are walking in town or in the middle of nature, there is no major risk in this country.

Security on site

New Zealand is a safe country, and you don’t have any concerns on this side. It is simply recommended, as everywhere, to adopt the right gestures: not to highlight its objects of values, not to pull out a large bundle of liquid, always hold its bag, etc.

What to do in the event of an accident in New Zealand?

In New Zealand, there is a unique number to contact the police, firefighters and ambulances. You just need to dial 111 .

What health insurance for expats in New Zealand?

Did you request a work visa or a resident visa to extend your stay in New Zealand? This time you need to subscribe to an expatriate insurance. Certainly, the mutual is not compulsory. But this coverage will be very useful in case of health problems or if you have to return prematurely to France. Compare insurance for expatriates to find the best protection on a daily basis.

Now everything is clear in your head. Once the insurance travels to New Zealand subscribes, only to leave!