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Travel vs Medical Insurance

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Travel vs Medical Insurance


My wife and I are moving to New Zealand for 16 months and can't seem to find any information (including asking insurance companies) on which insurance is needed...

Most Travel insurances will only cover for up to 1 year and medical insurance won't cover us for the travel (Japan 6 days enroute).

Any help would be greatly appreciated as time is running out! And recommendations on good insurance companies would be grand.

Many Thanks,


Keighley, United...
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401 posts
44 reviews
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1. Re: Travel vs Medical Insurance

Firstly, what do the other 'residents' do for 'insurance'?

Are you movingfor employment purposes....and can the employer help out?

Or, can you 'move there' for say, twelve months, get 'cover', then stay on for another four months, with more cover?

Grimsby, United...
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475 posts
50 reviews
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2. Re: Travel vs Medical Insurance

Have you tried contacting Medicare NZ, they may be able to advise you on what is required or point you in the right direction



Queenstown, New...
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1,340 posts
8 reviews
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3. Re: Travel vs Medical Insurance

have a look at the website below, it has info on 'visiting NZ insurance'. Southern Cross is our biggest medical insurance company.


The website for the NZ insurance council is below. Maybe they can help, if you have no luck with Southern Cross, send them an email.


There are a lot of insurance companies here, some of the popular ones are below.





Queenstown, New...
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1,340 posts
8 reviews
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4. Re: Travel vs Medical Insurance

try this link for Southern Cross. (the other didn't work when I clicked on it)


There is a link on the left side for visiting NZ insurance

2 posts
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5. Re: Travel vs Medical Insurance

Thanks everyone for all the help. It looks like southern cross will be the way to go. Cheers!

Te Anau
Destination Expert
for South Island, Te Anau
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2,896 posts
34 reviews
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6. Re: Travel vs Medical Insurance

You may not need medical insurance if your are fit, and are working in NZ (ie Paying taxes)

Most kiwis take out medical insurance to cover major events such as hip replacements, heart surgury etc. If you suddenly develop a life threatening illness. such as a heart attack or stroke, you will be admitted to a public hospital, and treatment will be free. What you need cover for is "elective" surgery, which is also covered by the public health system, but you may have to wait years to get it done. For this reason we take out health insurance so we can get it done "privately" (Surprisingly, this may also be in a public hospital, by the same surgeons who would treat you if you went public. Go figure).

If you are involved in an accident you will be treated free by ACC (Accident compensation corporation). THis is regardless of fault, or where the accident occured, and covers almost anything you can think of, including repatriation to your home country. It's extremly generous.

Doctors visits are subsidised at varying rates. We pay $45 per visit in Te Anau. Medicine is also subsidised if it is on the Pharmac list. Unlisted medicines you will probably have to pay for, and the price can be astronomical. In most cases there is a listed alternative for most medicines.

Most of the things we take out insurance for are age related problems, such as hip replacements, heart transplants etc. Things which if you are young and fit you probably won't need.

If I were you I would take out the travel insurance for a year, which will cover you for your outward journey, and hope you don't develop any life threatening illnes during the last 4 months.

If you will not be working then some form of medical insurance could be a good idea, but even then you should make an informed assessment of the risks, and possible costs. You could well find that it's cheaper just to pay for a Dr's visit and a few pills if you happen to get crook. NZ is not a 3rd world country, and you are no more likely to get sick than you are at home.

7. Re: Travel vs Medical Insurance

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