Compare Travel Insurance for Non-Residents

Are you a non-resident living in New Zealand planning a trip overseas? If that's you and you're on a temporary visa, you can still get travel insurance for your overseas holiday, it just might be a little tricker to find!

Where Can I Buy Travel Insurance For Non-Residents?

We've done the hard yards for you and found out which insurers provide cover for temporary residents. Compare non-resident travel insurance policies here:

Click the ticks and crosses for more details on each.

ID	Underwriter	Conditions	Field4
1Cover	HDI Global Specialty SE - New Zealand	Not for non-residents	Quote
TINZ	HDI Global Specialty SE - New Zealand	Only for residents of New Zealand	Quote
Zoom Travel Insurance	HDI Global Speciality SE - New Zealand	Only for residents of New Zealand, also for temporary residents	Quote
AA Travel	AWP Services New Zealand Limited	Domestic plan is available for residents or temporary residents of New Zealand. International plan is for everyone
Air New Zealand	Zurich Australian Insurance Limited	Only for residents of New Zealand, domestic plan is for non-resident when New Zealand is part of your journey
AMI	Zurich Australian Insurance Limited	Residents and for non-residents on inbound plan
AMP	AWP Services New Zealand Limited	Residents and non-residents
Cover-more	Zurich Australian Insurance Limited	Inbound plan is for non-resident travelling to and within New Zealand
NIB	Pacific International Insurance Pty Ltd	Only available for resident of New Zealand
Southern Cross Travel Insurance	Southern Cross Benefits Limited	Only for residents
State Travel Insurance	Zurich Australian Insurance Limited	Domestic plan is for non-resident travelling within New Zealand, your home destination must be more than 100 kilometres from home, your trip must include at least one night in paid accomodation booked with a accomodation provider. Inbound plan is for non-New Zealand residents travveling to and within New Zealand. Available up to 69 years of age, only single trip option, must have a return air ticket, cover for full duration of the trip, time in New Zealand must be more than 50% of complete trip, cannot exit/enter mulitple times, not more than 12 months
Tower	AWP Services New Zealand Limited	For both residents and non-residents of New Zealand
Webjet	Zurich Australian Insurance Limited	For non-resident only on the Inbound plan. Only for citizen or resident only or living in New Zealand with a visa allowing you to wok, live or study in New Zealand.
World Nomads	Certain Underwriters at Lloyds	Only for New Zealand residents up to 69 years old
Worldcare	The Hollard Insurance Company Pty Ltd	Not for non-residents, only if you are a resident or citizen of New Zealand or Australia or if you hold a current New Zealdn visa - not a visitor of working holiday visa.

General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.

What Are The Requirements For Non-Resident Travel Insurance?

In the majority of cases you'll need to:

Have a trip booked that starts and ends in New Zealand
Be on a valid visa such as a Skilled Working Visa, student visa, partner visa, but not a tourist visa
Have access to publicly funded health care

Reciprocal Health Agreements

You never know you might be eligible for health care in New Zealand already. New Zealand has reciprocal health agreements with Australia and the United Kingdom. For more information you should visit: Health New Zealand

What's Typically Included?

The four main things to ensure you've got covered are:

Medical cover: Medical expenses for injury or illness including hospital stays, surgery, dental, prescription drugs, doctor and dentist office visits
Luggage and personal items: Loss, theft or damage to luggage and personal items
Personal liability: Cover in the event that you are found to be legally liable for accidental injury or damage you may have caused to another person or their property
Cancellation fees and lost deposits: The cost of rearranging or cancelling your journey because of unforeseen circumstances such as illness, accidents and extreme weather conditions

Whether you're here in New Zealand for a quick visit, or a four year work visa, non resident travel insurance is a vital part of every trip.

Not being a Kiwi shouldn't stop you from going overseas and seeing the world. There are plenty of options out there for you, you'll just have to look a bit harder. Get cover today to ensure a smooth-sailing, stress free holiday!