Travel Insurance for Overseas Medical
Don't let your medical costs bury you.
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For information relating to policies purchased prior to 18 May 2022, please check the Policy Document provided with your purchase. You can contact us if you need this sent to you again. For policies purchased on or from 18 May 2022 please see below.
This information is for New Zealand residents.
If your luck runs out and you get sick or injured overseas, our 24 hour Emergency Assistance Team will be there for you. They'll look after you and keep your people back home informed, so you can get back on your feet and keep travelling.
What Overseas Medical Expenses are covered by travel insurance?
If accident or injury should strike, and you buy the policy for the activities you'll be doing, you can be covered for a whole range of emergency treatment, including:
| Cover | Explorer Plan | Standard Plan |
|---|---|---|
| Hospitalisation | ||
| Doctor's visits | ||
| Prescribed medication | ||
| Chiro, osteo, acupuncture | ||
| Assault or trauma counselling |
We also have a 24 hour Emergency Assistance Team who can guide you to the nearest hospital and set up direct payments to the medical facility. Their network has a global reach, so wherever you are, they can help.
What should I do if I have an emergency while travelling?
What’s not covered?
Travel insurance isn’t designed to cover everything. Common claims for overseas medical expenses we see where there's no cover include:
- Any expenses once you return home.
- Riding a scooter without a helmet or valid scooter licence (regardless of the fact that the smiling man said your car licence was totally fine).
- Where you've been acting recklessly.
- If you're intoxicated or under the influence of alcohol or drugs.
For more information check out our article on overseas medical coverage and read your policy carefully before you buy.
This is only a summary of coverage and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Document in full so you understand what is and isn’t covered. That way there won’t be any surprises if you need to use it. If you have any questions, please get in touch.
How to get medical assistance.
It’s essential that you get in contact with our 24/7 Emergency Assistance team as soon as possible, so that the team can support you from the time you fall sick or get injured until the time you're well again.
So that our Emergency Assistance Teams can assist you quickly, please be ready with the following:
- Your policy number
- A contact number for where you are now
- The nature of your problem
- Your location
Pain in the backside.
Over a day or two I suddenly developed an incredible pain in my backside, to the point where I could no longer sit down without incredible pain. I went to the doctor and was diagnosed with grade 2 Hemorrhoids, which he said would need to be operated on quickly. I had the operation and had to go back often for checkups and further treatment
Kiwi Nomad
Travel Insurance Benefits: how we can take care of you
Trip Cancellation
Protect your trip from unexpected cancellation.
- Explorer Plan: Unlimited
- Standard Plan: $5,000
Trip Protection
- Have you died?
- Has one of your relos died?
- Has an earthquake damaged your home?
We’ve got your back.
Emergency Medical Overseas
Take the pain out of medical costs.
- Explorer Plan: Unlimited
- Standard Plan: $5,000,000
Emergency Medical Insurance
- Need medicine?
- Accidentally injured?
- Suddenly sick?
We’ve got your back.
Emergency Medical Transport
We'll get you to hospital in a flash
- Explorer Plan: Unlimited
- Standard Plan: $500,000
Evacuation and Repatriation
- Banged up overseas?
- Medivac needed home?
- You died overseas?
Help starts here.
Protect your gear
Cover your stolen or damaged gear and tech.
- Explorer Plan: $10,000
- Standard Plan: $2,000
Protect your gear
- Damaged docs?
- Passport pilfered?
- Tech Trashed?
Help starts here.
- Overseas Medical Expenses
- Emergency dental treatment
- 24 hour assistance
- Emergency medical transport & repatriation
- Cancellation costs
- Trip interruption costs
- Compassionate emergency visit home
- Resumption of trip
- Theft or accidental damage to baggage and personal items
- Baggage delay over 12 hours
- Funeral expenses overseas or repatriation of remains
- Personal liability
24/7 emergency assistance
If you need medical assistance or emergency medical evacuation our team is available 24 hours a day, 7 days a week, 365 days a year before and during your trip.
Are you in need of emergency assistance right now?
From New Zealand & Overseas:
+61 2 8263 0470 or
+61 2 8292 1470
(reverse charges via an operator from anywhere in the world)
Within Australia (Free call): 1800 611 210
FAQ
Here are our most frequently asked questions about overseas medical insurance. You can also find the answers to other questions in our Helpdesk or you can ask the customer service team.
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Does my insurance cover medical costs upfront or do I have to pay and claim later?
Who pays depends on what’s happened! If it’s an emergency situation where hospital admission and/or medical evacuation is required, the insurer covers these costs upfront (provided the incident is covered as per the policy wording, of course).
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Do you have a list of doctors/dentist so I know where to go in case something happens and make sure I’m covered
We don't have a list of doctors or dentists. If you need help finding one, call our assistance teams, and they'll guide to the most appropriate medical professional.
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Why don't you cover ongoing treatment at home?
Travel insurance policies are designed for accidents or unexpected illness overseas. They don't stand in place of primary medical insurance or government healthcare.
Before your trip, check the latest government advice for any travel alerts for your destination.