one way travel insurance uk to nz

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

One Way Travel Insurance

One way travel insurance will cover you for any unforseen events that could happen during your one way flight and trip away, however, in most cases cover typically ends when you reach your final destination and have passed immigration. This varies from insurer to insurer, some will cover you for a period in your final destination, so make sure you check this before purchasing Did you know, most travel insurers require you to have a start and return date in New Zealand in order to buy a policy? So if you're going overseas and not planning on returning, finding cover can be a tad tricky!

Where Can I Buy One Way Travel Insurance?  

We’ve done all the hard work for you! Here's a handy table showing who offers one way cover and any restrictions they may have. NOTE: If you are going overseas, plan to return, but do not have a confirmed return date to New Zealand, this is different. Most insurers allow you to purchase a regular policy if you intend to head back to NZ, but just have not bought a ticket yet.

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.

Typical Conditions Of Cover:

-  You must tell your insurer you’ve only bought a one way ticket otherwise your cover could be invalid

-  You must be an New Zealand citizen

- A waiting period may apply to claims for illness or injury

-  In many cases your trip must originate in New Zealand (but not always)

-  Like any policy there might be age restrictions (listed below)

- You must  tell your insurer about any pre-existing medical conditions you have

- One way insurance might expire between 24 hours to 7 days after you arrive at your destination It's important to note that should you require repatriation to New Zealand, travel insurance would normally use your return ticket to get you home. However, on a one-way journey (with no return ticket) you will need to contribute the equivalent of an economy ticket for the return journey.

Keep Your Insurer Up-To-Date

If you’ve purchased a single trip policy but decide to extend your trip but forget to extend your insurance, you will find yourself without cover. If you do not return home on the date that’s specified on your certificate of insurance, and you do not tell your insurer, your policy could be cancelled.

Read The Small Print 

We know it's not particularly exciting, but each insurers' policy will vary, especially when it comes to their one way insurance policies. Because of this make sure you read the small print to understand your cover. You don't want to find yourself in a situation when you thought you were covered when infact you wern't!!

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Need some help? Use the search box below to find answers to all those tricky questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!

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CoverDirect NZ Limited (INC 3526051) owns and operates this website.

Our comparison is a free service that makes it easy for users to compare multiple quotes, saving both time and money. Our comparison ranks quotes according to price and is limited to those insurers that have agreed to participate on the site. CoverDirect NZ Limited does not hold a financial services licence. The comparison does not take your personal circumstances into account; as such, all information provided should be considered general and should not be considered as advice or a recommendation. Whilst we take all reasonable care when preparing this information, we do not warrant its accuracy. Pricing information is supplied by the insurance providers and ALL policy details should be verified with the before you purchase. This site links users to the website of the insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase. We do not issue insurance. Users purchase directly from the travel insurance provider.

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One Way Travel Insurance

Expatriate Group’s One Way Travel Insurance covers all outward-bound trips from any global destination.

Plan Options

Worldwide Travel Insurance

Bought a one way ticket to a destination? Require travel insurance? Our One Way Travel Insurance will put your mind at ease whilst travelling overseas.

With our one trip travel insurance, we have individuals seeking an insurance policy covered. Our standard travel insurance policy can be tailored to cover just one way travel for expats and travellers alike.

What is one way travel insurance?

One way trip insurance is designed specifically for people who are heading overseas for a long period of time, do not have a return ticket or do not have a return date in mind. The one way insurance policy covers individuals on the journey from their departure country to their destination.

How does one way travel insurance work?

Once a policy holder departs their starting country on the date specified (when taking out the travel insurance) it will be active and they will be covered. Expatriate Group’s one-way travel insurance policy cannot be extended and is ideal for travellers, or expats moving permanently to a destination country. For one trip travel insurance policy holders the maximum duration may not exceed 180 days.

Policy Benefits

Key Benefits of our One Trip Travel Insurance

With Expatriate Group’s one way travel insurance you can add different policy options to suit your needs. Having served expats and travellers since 1997, we understand that flexibility is key and all customers to tailor their policies. Just choose whether you want a single or annual trip and select the additional benefits you require.

Emergency Medical Evacuation

There are some locations around the world where medical care is poor or non-existent. In these circumstances, should you fall ill or become injured, it’s important that you have the correct cover. One trip travel insurance covers medical evacuations, ensuring you ate transported to a suitable hospital or medical facility to receive the care you need.

Emergency & Accidental Medical Treatment

Whilst one trip travel insurance only protects you from departure to arrival (and a short while thereafter) in your destination, cover is important. Should you fall ill on a layover, or obtain an injury boarding a flight, Expatriate Group will ensure you receive the medical treatment you need at an appropriate hospital or clinic. No matter where you are you will receive medical treatment.

Enhanced Benefits & Protection

One trip travel insurance can be tailored to your needs. Our core insurance policy offers the flexibility for you to add different benefits that suit your needs. Optional protection covers you against the likes of loss of passport, personal liability, baggage delays and theft, missed departures, and legal expenses. Evacuations for non-medical reasons can also be added to your policy.

Cancellation and Curtailment Cover

Sometimes your trip abroad can go wrong before you’ve even left for the airport. Cancellation and curtailment cover safeguards you against the likes of strikes, industrial action, redundancy, or your travel operator collapsing. You’re also protected should you need to come back early due to medical issues, injuries, or illness.

The Benefit Schedule

The benefit schedule below is applicable to Expatriate Group’s One Way Travel Insurance. It is a summary of travel cover and must be read in conjunction with the policy wording . All coverages and plan costs listed in this schedule of benefits are in Euros, dollars, and pounds. All benefits will be reimbursed at Usual, Customary and Reasonable (UCR) charges where applicable. Amounts shown are the maximum per policy and period of cover, except where otherwise stated.

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One Way Travel Insurance FAQs

Is one way travel insurance the same as single trip.

One way travel insurance covers individuals on the journey from departure to their destination. Alternative cover will need to be purchased shortly after arrival. Single Trip Travel Insurance is designed for those heading overseas and covers the entire period abroad, such as a holiday.

Can I extend my one way travel insurance?

One way travel insurance policies are not able to be extended. Why not take a look at our other International Travel Insurance products for a policy that will suit you better? Or do you need something more permanent? International Health Insurance may be the answer. Don’t forget, you can always contact Expatriate Group for expert advice or take a look at all our expat insurance products.

Can I get one way travel insurance from the UK to Australia?

Yes, our one way travel insurance policies cover you for single journeys to countries in Europe and Worldwide. To find out how much your policy to Australia would be get a one way travel insurance quote today.

Will I be covered if I have a pre-existing condition?

There are specific exclusions for pre-existing conditions and limitations of coverage. You will need to check the coverage and policy wording to fully determine benefits covered by the policy you choose.

Get your one way travel insurance quote online now.

Latest Worldwide Expat News

Whether you’re planning on being overseas for a short, long, or indefinite amount of time check out our guides and blogs. We give you the latest news, as well as advice, tips, and inspiration for your time abroad.

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Privacy Overview

Where do you live

All persons to be insured must reside at a permanent address within the EEC ( Excluding Switzerland, Russia, Belarus, Montenegro and the Ukraine) to be eligible for cover.

Can I take out this insurance if I am already travelling?

When cover is purchased after an Insured Person has departed their home to commence their journey, there is a fixed period of 48 hours prior to cover commencing. Any illness arising during this initial 48 hour period will be an excluded Pre-existing Medical Condition. In the event of serious injury in connection with an accident, you will be covered from the date you take out cover subject to the accident being independently witnessed and also verified by a Medical Practitioner.

There is no 14 Day Cooling off Period and no premium refund will be made if the insured Person has already travelled.

family family 

Definition of a couple

A couple is defined as 2 adults who have been permanently living together at the same address for more than six months, who intend to travel together.

If you do not qualify as a couple, please select individual(s)

Annual Multi-Trip Durations

Annual Multi Trip policies are designed for multiple short holidays leaving from and returning to your home country.

Annual Multi Trip trip limits:

Standard policy - 30 days

Premier policy - 70 days

If you need continuous cover for a year (home visits allowed on policies over 4 months long) select Single Trip or One Way. You can travel around as much as you like, to as many different countries as you like, with a Single Trip or One Way policy.

One Way Trip

Please note a Single Trip policy can cover travels with no return ticket booked, a One Way policy is intended for:

Emigrating to new country where you intend to permanently live

Returning to your home country permanently

All cover ceases upon arrival at final destination

Select the type of policy most suitable for your needs.

Single Trip: A flexible policy with no limits on how many countries you visit or how long you’re away for. Suitable for all types of travel whether it be short term/long stay or backpacking. No return ticket required and unlimited home visits offered on policies over 4 months long.

One Way Trip: Means you are Emigrating to a new country where you intend to live permanently or, returning to your home country permanently. Cover will end upon arrival at your final destination. Please note: There is no cover for emergency return travel expenses if you do not have an original return ticket.

Annual Multi-Trip: This policy covers an unlimited number of trips throughout the 12 month Period of Insurance. Each trip has a maximum stay validity depending on the type of policy chosen. For example, for Standard Policies, the maximum duration of any trip shall not exceed 30 days and for Premier policies, the maximum duration of any trip must not exceed 70 days. 

If you are already travelling it is not possible to purchase the annual multi-trip policy.

Geographical Areas

Europe: Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary Islands, the Azores and Mediterranean Islands as well as all countries bordering the Mediterranean. Australia & New Zealand: a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide excluding North America & Mexico: (North America means the USA, Canada & Mexico.) a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included. b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included. Worldwide including North America & Mexico: Worldwide means anywhere in the World including the USA, Canada & Mexico.

Automatic Trip Extension   If the Insured Person is prevented from completing their travel before the expiration of this Insurance as stated under the Period of Insurance on the Booking Invoice or Validation Certificate (as applicable) for reasons which are beyond their control, including ill health or failure of public transport, this Insurance will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium. In the event of an Insured Person being hijacked, cover shall continue whilst the Insured Person is subject to the control of the person(s) or their associates making the hijack during the Period of Insurance of a period not exceeding twelve months from the date of the hijack. Please ensure you arrange cover for the entire duration of your travel

Where you normally reside

Where do you normally reside? Where do you normally reside? Please use the drop down box to choose your country of residence. Note we can only insure residents of the UK & EEA Countries. Can I take out this Insurance if I’m already abroad? If you are normally a resident of the UK or EEA Countries and your insurance has run out, you may take out cover online with us. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Note you cannot take out our Multi-Trip Insurance if you are already abroad. Do you have minimum residency requirements? No. If you are, for example, a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you have a UK residential address.

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No return ticket required

You don't need to know when you'll be returning home to get cover. So if you're on an open ended trip, or emigrating, we can cover you. We specialise in providing travel insurance without the need of a return ticket.

Are you Emigrating?

You can insure your travels to your place of a new residence, even if you're not taking a direct route. So if you're flying straight there, taking a short - or long - detour, we've got you covered.

Cover for 156+ Activities

Whether you'll be scuba diving, jet-skiing, bungee jumping, sky diving, trekking above 2,500m or kayaking. Our Activity Packs can cover various levels of adventurous sports.

Cancellation & Baggage Cover

24 hour emergency helpline, up to £10m medical cover, claim while you're travelling, travel insurance for one way travel.

It’s common not to have a return ticket booked for your trip, but not doing so can be quite tricky trying to find cover. Most insurers require you to have a return ticket in order to purchase travel insurance cover, but don’t fret, we specialise in providing travel insurance without the need of a return ticket.

Some FAQ's:

Riding a motorbike or scooter up to 125cc is automatically covered with all our policies. Riding a motorbike over 125cc can be covered with our Activity Pack Add-on.

If you are a pillion passenger on a motorcycle tour, such as the Ha Giang Loop, this is covered automatically and does not require any Activity Packs or any relevant licences.

When riding, you must always ensure you:

• Wear an appropriate crash helmet.
• Obey the Local road rules and laws
• Have the relevant licence(s) required to ride a motorcycle in the country or countries you will be riding in. If the country you’re in requires you to obtain a specific in-country licence to legally ride a motorcycle, then to be covered, you must obtain this licence.
• If all that’s required is an International Driving Permit (IDP), and you hold an IDP, then there’s no need to go about getting any more licences.
• Be aware that an IDP will only allow you to ride the same class of vehicle as your home licence allows. So, if you’re not licensed to ride a motorbike at home, you’re not licensed to ride a motorbike abroad under your IDP. It's up to you to make sure you are licensed for the type of motorcycle you hire.
• You should always ensure the bike is fully insured (motor insurance arranged by the company that owns the bike) as there is no Personal Lability cover whilst riding a bike. We cannot cover any participation in competitions or racing or any kind.

If you get sick while travelling or you're seriously injured you are covered for emergency medical treatment including:

• Hospitalisation
• Ambulance costs
• Surgery and follow up treatment
• Visits to the Doctor
• Repatriation
• Prescribed Medicine
• Emergency dental treatment to relieve pain and suffering (limited to £350)

24hrs Medical Emergency Assistance.

Decide Canada’s not for you, and want to return earlier than your full period of insurance?

Other insurers will tell you to wave goodbye to your money, but Big Cat lets you claim a partial premium refund for the unused time you didn’t stay in Canada.

How does the EARLY RETURN REFUND work?

Let’s say you buy a 24-month policy to cover your time in Canada. But after nine months, you decide that Canada’s not for you, and you want to return home. You may have invested a substantial amount for your 24 months Big Cat policy, most of which you’ll now no longer need. Unlike most insurers, Big Cat is happy to offer you a partial refund on the redundant portion of your insurance as a fair’s fair consolation. Please note that travel insurance premiums are not calculated on a pro-rata basis, as such, no refund is calculated in this manner either.

How does Big Cat calculate the amount of EARLY RETURN REFUND?

We take the length of time of the original policy and subtract the actual amount of time you have used, and payout the difference, deducting a £50 Cancellation Charge.

Are there other conditions that apply to my EARLY RETURN REFUND?

• Only applicable to 24 month IEC policies.
• We are not able to offer refunds to cover the first 6 months of the policy.
• No refund can be given on a policy where a claim has been made or is likely to be made prior to the cancellation of your Big Cat policy.
• You must be back in your home country and notify us by email of your wish to cancel the policy within 14 days of your arrival, please also provide us with proof of your return to the UK (flight ticket / e-ticket / boarding pass).
• All refund calculations are based on the base premium paid only. Add-ons are non-refundable.

Can you give an example of how much I could receive back in my EARLY RETURN REFUND?

Say you took out a 24-month budget IEC policy costing £525.24, then you wish to cancel the policy after 9 months. Our 9-month budget IEC policy costs £312.55. So we deduct £312.55 from £525.24 = £212.99

Then we apply the £50 Cancellation Charge, refunding you a total of £162.99.

Temporary return to home country (Single trip policies only) Where cover has been purchased for a total duration of 4 months or more, and you want to return to your home country during the period of insurance for any reason that is not directly or indirectly caused by arising or resulting from, or in connection with a claim under this insurance all cover under this policy will be suspended from the time that you clear customs in your home country and restarts after the baggage check in at the international departure point for the return flights, international train or ferry to the overseas destination. Any illness, disease, injuries, accidents which existed, showed symptoms or were diagnosed in the previous trip(s) during this period of insurance will not be covered in the restarted period of insurance.

To add any of our Activity Packs, just follow the Quote form - to stage 3 - there you will find all of the optional extras.

Means WWOOFing, fruit picking, casual farm work. Other Manual Work can be covered as long as it does not involve the use of plant/trade/industrial/agricultural machinery (other than tractors) or non-domestic power tools.

Please get in touch if you'd like to find out if we can provide cover for any light manual work you will be doing.

WWOOfing is classed as Permitted Manual Work, so with the Activity Pack, you’re covered.

(see above)

Yes, bar work or working in a chalet is automatically covered with all of our policies.

Non-manual/clerical work is covered automatically with a Big Cat policy. So, there’s nothing you need to add to be covered for things like teaching, caring or nursing.

With the Activity Pack, we can also cover work of a more manual nature. This can include things like WWOOFing, partaking in community or wildlife based conservation work, charity based supervised building / renovation projects or other permitted manual work (defined below).

Cover is excluded for any activity that involves the use of industrial machinery (other than tractors) or non-domestic power tools.

Key Features of One Way Travel Insurance:

• Cover for over 156 sports & activities.
• Worldwide cover for trips up to 24 months.
• Emergency Medical and Repatriation Expenses up to £10 million.
• Personal Liability up to £2 million.
• Baggage & Personal Effects up to £2,000.
• Gadgets & valuables up to £1,000 (If optional extra selected).
• Legal Expenses up to £15,000.
• Personal Money up to £500.
• Tickets up to £1,000.
• Passport and Visa up to £300.
• Unrestricted return trips home (subject to terms and conditions)
• Cover if you wish to undertake light-manual or volunteer work.
• Facility to arrange or extend Insurance when already travelling.
• Money-back 14-day cooling off period if you decide to cancel prior to departure.

*Please note that there are certain optional extras which can be added to the one-way policy that are not included automatically, these can be found on page 3 of the quotation process.

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388)   is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk  or by contacting them on (0) 800 111 6768. © 2023 Big Cat Travel Insurance Services.  All rights reserved.

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List of automatically covered medical conditions that do not need to be declared

Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration, Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment, Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs.

Important information

If you have a medical condition in addition to any of the automatically covered medical conditions, all conditions will be excluded from cover unless declared to the medical screening helpline.

What is classed as a medical condition?

a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/ specialist or prescribed medication).

b Any psychiatric or psychological condition (including anxiety, stress and depression) for which you have suffered which you have received medical advice or treatment or been prescribed medication for in the last five years.

c Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or for which you are prescribed medication.

Any premium for medical screening quoted can be paid directly. This can be done either before or after taking out a policy with us. The policy and medical extension connect automatically, no reference numbers need to be exchanged.

Choosing not to declare a medical condition will not invalidate cover, but any costs incurred in relation to an undeclared condition will not be covered.

If making a declaration all medical conditions must be declared, you can't choose to only declare certain conditions.

Medical conditions can only be declared for up to 12 months at a time. A second declaration will have to be made after 12 months if necessary.

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• Travel insurance for New Zealand

Find out what medical care Brits can access in New Zealand and travel risks to be aware of like natural catastrophes, however rare.

New Zealand: go prepared 

Hundreds of thousands of Brits travel to New Zealand in a normal year, braving the 24-hour flights each way to become immersed in its spectacularly dramatic landscapes. From providing the ultimate in adventure holiday experiences to a culturally-unique getaway for people keen to see the world, there’s something for everyone across two main islands and hundreds of smaller ones.

With its emphasis on adventure travel it’s vital to have good travel insurance and make sure you’re fully covered for all of the activities you want to take part in. Remember that there can be exclusions on activities. For instance, hiking and cycling may be covered but only up to a certain altitude or only if wearing a helmet. This is why having a thorough understanding of your policy is important for staying covered.

Protect what matters when you go with good travel insurance

Healthcare for brits in new zealand.

The UK enjoys a reciprocal healthcare agreement with New Zealand, which entitles British citizens who are visiting to medically necessary healthcare on the same terms as locals.

There are a few conditions for eligibility:

• You need to be a full UK citizen (permanent residents aren’t included)
• You need to normally reside in the UK
• You can only be visiting on a temporary basis
• the condition for which you’re seeking treatment must need immediate care
• It must have developed or exacerbated en-route to or when already in New Zealand

You’ll need to provide your passport to be approved care.

There is also a government body committed to paying for healthcare if you need medical treatment as a result of an accident. This is called the Accident Compensation Commission (or ACC) and you will be asked to complete a form in hospital so that payment can be arranged to cover your healthcare costs.

Despite this healthcare arrangement, it is very important to have travel insurance with good healthcare. Not only is this to cover non-emergency medical care not covered by the reciprocal healthcare agreement, but travel insurance provides cover for a wide range of eventualities outside of the medical sphere.

Many of New Zealand’s most breath-taking attractions are in remote areas without rapid access to medical facilities. It’s imperative that you let friends and others know your travel plans within New Zealand so that someone is aware of where you are at any given time.

Travel risks in New Zealand

The most pressing risk in New Zealand are usually  natural disasters and the dangers inherent in adventure activities.

The most common natural disasters in New Zealand are earthquakes and volcanic activity. Because these are such a feature of life in New Zealand, the government has extensive advice on how to prepare and how to deal with natural disasters occurring . While rarer, mudslides and tsunamis are also a possibility.

Unlike its neighbour Australia, New Zealand has very few dangerous animals. In fact, the UK has more poisonous snakes.

Adventure sports come with inherent danger and can easily lead to injury when proper safety procedures aren’t observed and unnecessary risks are taken. If you are going to be taking part in activities like this, it’s important to make sure you’re going with a well-established provider with a good reputation for safety.

You can put yourself at risk by doing activities beyond your fitness tolerance in remote areas. This can be compounded if people do not know where you are and you become stuck or lost. While New Zealand might be relatively safe from the perspective of dangerous animals, its elements are unpredictable. It is common to experience four seasons in one day, with blue skies giving way to heavy rain and hail at a moment’s notice.

Being exposed in these conditions, particularly at altitude, can be dangerous, so don’t take any unnecessary risks.

If you go on a ski trip while in New Zealand, make sure you have appropriate ski cover .

If you need an ambulance, call 111 and request one.

New Zealand culture

New Zealand takes its sport very seriously, with rugby union in particular and the New Zealand national side – the All Blacks – having an iconic status. Arts and culture are well-catered for in major cities and festivals of art and music happen regularly. The arts and culture can often have a distinctive flavour thanks to the extensive Maori influence and the political ideals of the nation.

The great outdoors are central to Kiwi culture. You’re never more than 75 miles from the sea wherever you are in New Zealand, and there’s provision for some kind of adventure sport or outdoor pursuit regularly up and down the country.

The only place where this might be more difficult is in Auckland, the country’s most populous city. But even in Auckland, lots of the top 10 activities are outdoors – like Bethells Beach, Mount Eden, Cornwall Park and Hauraki Gulf.

There’s a lot of shopping and culture, as well as tours to iconic parts of the country. For anyone who hasn’t been to New Zealand, its spellbinding scenery is probably most familiar from the Lord of the Rings and Hobbit films, which were filmed entirely in the country.

Indeed, what has become known as Tolkien Tourism has brought travellers from all over the world to visit their favourite locations. The set of the Shire – a sleepy, rural village – is now a permanent tourist fixture, where visitors can even get a drink in the Hobbiton pub The Green Dragon. So widespread was Peter Jackson’s use of the country for the film that for the premiere week of The Hobbit: An Unexpected Journey, Wellington formally changed its name to “The Middle of Earth” - including stamp postmarks and newspaper mastheads.

Since the films used such a diverse range of the country’s geographical features, visitors can tour innumerable locations across the entire country. There are many tours available and even if you’ve never seen the movies, the sights are worth it anyway.

Getting around

If you’re keen to see as much of the country as possible, it’s very common for visitors to rent cars. Road travel is the most common way of getting around. People who backpack for a few months or more might even go so far as to buy a car, as on balance it can work out more economically, but if you go down this road then be aware you’ll have many more hoops to jump through than if you’re only renting, as well as the hassle of selling the car at the end of your trip. And you will need to ensure that you have all of the necessary car insurance in place.

Whether you rent or buy, you might consider getting a campervan, allowing you to sleep while on the road. If you’re not afraid of some minor discomfort, this can be a very cost-effective way of travelling the country. With New Zealand’s Freedom Camping option, you can camp a great many places of your own choosing that don’t require you stay in a campsite – but only if you have a self-contained vehicle that meets certain criteria. If you want to do this, you’ll need to make sure in advance that the area you want to freedom camp in is part of the government scheme.

The New Zealand government take preservation of the natural habitat very seriously, and heavy fines can be imposed for leaving litter and/or bodily waste anywhere.

Campsites are common throughout the country and give excellent access to the great outdoors.

Internal flights are reasonably regular and often relatively inexpensive. However for distances that you could also reasonably drive, they may be less cost-effective. Train travel is not a particularly popular way of getting between cities however it does exist and can be a charming way to see the scenery.

Buses between big cities are numerous and the services vary depending on need. There are hop-on, hop-off buses, bus tours and intercity buses available with varying costs depending on budget. This can be a cost-effective way of getting around, particularly if you can’t or don’t want to rent or buy a car.

Driving in New Zealand can be a challenge for people unused to it. It can be similar to driving in rural parts of the UK, with most major roads only single-lane. There are few motorways as we would recognise them, and those that exist are either in or near major cities.

The weather in New Zealand can be unpredictable, meaning that your vehicle needs to be equipped with the relevant all-weather gear, including snow chains. Roads can be windy and hilly, so it’s important to take care and not get distracted.

To drive in New Zealand, you need a full UK driving licence , which you can use for as long as one year. The Foreign, Commonwealth and Development Office (FCDO) advises  that you take out private motor insurance to drive. The driving conventions are very similar to those of the UK, including driving on the left and most signage. Remember that their speed limits are in km/h rather than mph.

There are a number of unsealed, gravel roads in New Zealand. It’s best to try and avoid these if possible but if they are unavoidable, remember that they can be narrow, slippery and your speed and stopping time can be dramatically different to what you’re expecting. Visibility might also be affected as your tyres kick up dust.

Is New Zealand safe to travel to?

On the whole, New Zealand is a very safe place to visit. Of course, it’s wise to be mindful of any risks such as petty theft and bag snatching, especially in built up areas. And, the chance of natural disasters in this still relatively new landscape shouldn’t be overlooked. Check the ‘Travel risks in New Zealand’ section above for more details.

The coronavirus pandemic has highlighted the need to check destinations are safe before any travel there. The best place to do so is the FCDO page for New Zealand .

Make sure you have good travel insurance to protect you when you go. And don’t travel against the advice of the FCDO or local authorities in your destination or you’ll likely invalidate your policy.

Do I need travel insurance for New Zealand?

It’s important to have travel insurance in place for any trip you plan to take. Good holiday cover, for instance, will make sure you don’t have to pay the often high costs of emergency medical treatment if you fall ill or are injured while you’re away, or if you need to be transported home to the UK (known as repatriation).  You should also check your policy has the Covid-19 cover you'll need.

Travel insurance can also safeguard against cancellation of your trip or delay and other types of disruption to your travel plans. And it can reimburse you for the cost of replacing belongings like luggage and passports if they’re lost, stolen or damaged on your trip.

Check the details of any policy before you buy to make sure everything you need is covered. You may need a specialist cruise cover policy or add-on to your standard policy, or  travel insurance tailored to skiing and snowboarding trips . Some of the more adventurous and high-risk activities that draw thrill seekers to New Zealand may not be covered on certain policies, for instance. And you may need additional cover for the gadgets you take which you can buy as an add-on.

Enjoy your trip to New Zealand

Travelling in New Zealand might be a once-in-a-lifetime trip, so make sure you can enjoy it to the greatest extent by getting the right travel insurance for you.

Always check the latest travel advice

Before you travel, check the latest Foreign, Commonwealth and Development Office (FCDO) advice  for your destination, as travelling against this advice may invalidate your travel insurance.

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Travel Insurance for New Zealand

New Zealand is one of the most beautiful countries in the world. The country is often compared to England, because of its beautiful rolling hills and green grass that is similar to the British countryside. New Zealand has so many things to do and see, it is unlikely you’ll be able to do everything the country has to offer in one trip.

From being surrounded by spectacular wildlife to spending some alone time in the mountains, you can truly go on an adventure when visiting New Zealand. You can enjoy exploring the natural wonders available in the country. If you’re a big fan of The Lord of the Rings trilogy, you can visit many of the locations of the films sets, including Mount Doom located in Tongariro National Park.

For the adrenaline junkies out there, New Zealand is home to some amazing sites for sports, water activities, and long hikes. Go bungee jumping, kayaking, scuba diving and more when you visit.

Aside from the views and adventures available to enjoy in New Zealand, the friendly locals and rich heritage of the country is worth learning about and getting involved with during your visit. Many of us know that the Maori come from New Zealand. Famous for their unique tattoos and the Haka dance, the Maori mostly live in Rotorua, meaning this is a great place to learn more about the culture and see a traditional Haka for yourself.

To view some of the most beautiful scenes in New Zealand, we would recommend going to Fjordland National Park to Milford Sound to feast your eyes on the stunning rock faces, mountains and waterfalls. There are so many ways to travel New Zealand, but one of the most popular is to hire a campervan and explore when you want, how you want.

The official languages in New Zealand are English and Maori. Also, don’t forget to change your currency into New Zealand Dollars before you travel.

No matter your plans whilst you are in New Zealand, it is important that you take out travel insurance to protect yourself against many unforeseen eventualities.

Below is some information about our products, for which Terms & Conditions apply. Please visit the policy information hub for full details. 

Why may I need Travel Insurance for New Zealand?

Although most trips to New Zealand from the UK are trouble-free and taking out travel insurance isn’t a legal requirement, you should always view it as essential for your trip. We can never be certain that everything will go according to plan when away from home and that’s why it is important to protect yourself against unforeseen eventualities.

The weather in New Zealand is changeable and can be dangerous if you are exploring remote areas of the country. The Foreign, Commonwealth and Development Office  recommend that you let the authorities, family, or friends know where you are going if you are travelling to areas that may mean you are stuck if bad weather hits.

What’s covered with a Travel Insurance policy for New Zealand?

Our  Single Trip , Annual Trip , and Backpacker  policies are designed to help protect you when you visit New Zealand on holiday. Across our Single Trip and Annual policies, we also offer three levels of cover: Bronze, Silver and Gold. Depending on the level of cover you choose, you’ll be protected against:

• Cancelling or curtailing your trip
• Delayed personal possessions
• Lost, stolen or damaged personal possessions*
• Loss of personal money*
• Emergency medical and associated expenses
• Loss of passport*
• Personal accident cover
• Missed departures
• Delayed departures
• Personal liability
• Legal expenses
• End-supplier failure**
• *Not available with Bronze level cover
• **Only available with Gold level cover
• Terms and Conditions apply.  

Frequently Asked Questions

If you are visiting multiple locations during your trip, maybe taking in New Zealand and Australia, you can purchase one Single Trip or Backpacker policy (simply select all the countries you will be visiting).

It might be more cost effective to purchase an Annual Multi-Trip policy, if you’re planning further trips in the year. If you are not intending travel to North America, you should select the Worldwide excluding USA and Canada area of cover.

Understandably, you can never be certain what the weather will be like when you visit somewhere. Although New Zealand is typically a warm country all year round, the Northern, Eastern and middle of New Zealand are warmer than the rest of the country.

 We’ve pulled together the best places for hot weather in New Zealand:

·       Hastings

·       Gisborne

·       Napier

·       North Island

·       Auckland

·       The East Coast

·       Queenstown

As New Zealand has favourable weather all year round, it is possible to have a wonderful holiday at any time of the year if you decide to visit.

However, if you want to enjoy comfortable weather conditions and fewer tourists when you visit, going in September-October or March-May would be the best time for you to go.

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One Way Travel Insurance

If you are planning to return to your home country or emigrate to a new one, having a Travel Insurance policy for the journey is a good idea.

These policies will cover a one-way single Trip commencing in the United Kingdom or the Channel Islands to European or Worldwide destinations.

Please select when you are going. This is the date you are leaving your home. 

And then, when are you coming back? Select the date you arrive at your final destination.

There are some Additional Options available after you have selected a scheme.

You should select One Way Extended Trip Cover - (extends Coverage in Final Destination from 48 hours to 31 days) .

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Many types of Visas are available to suit the time you want to spend away and the activities you will be doing. These include:

• Working Visa
• Holiday Visa
• Working / Travelling Visa

If you have a job offer in another country, you can apply for a Working Visa. This means you can enter and stay in another country if you have a firm job offer and remain employed.

Usually, if you wanted to change jobs, your new employer would have to thoroughly interview you to ensure that there were no native workers more suited to the position and confirm this with the immigration authorities.

A Holiday Visa means you can go to another country for long periods without having a job waiting for you.

This is often a popular choice for Gap Year Students who wish to travel significantly around a particular country, such as Australia or Thailand.

A Working Travelling Visa combines both of the above. It is for people who wish to spend time in another country, aim to do some travelling, but would also like to be able to work.

You do not need a job offer to apply for this type of Visa, but you can use it for work once you have arrived.

Visa Applications for countries such as Canada, Australia, South Africa and New Zealand will usually require the following:

• Proof of Address
• Copy of Passport
• Police Certificate
• Proof of Funds
• Medical Declaration

Some countries, such as the USA, will require you to attend a face-to-face interview at the US Embassy to assess your suitability.

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One Way Travel Insurance

• Durations of up to 15 months are available
• Repatriation to your Home Country (when medically necessary)
• No hidden costs, low excess levels and 24-hour emergency assistance
• Geographical limits

What is One Way travel insurance?

One Way Travel Insurance is a policy that covers travellers up to 89 years of age who are Permanently Emigrating from the UK or EU to Australia, New Zealand or South Africa.

All insurance cover shall cease 72 hours after the time you first leave the immigration control of your final destination country or at the expiry date of this insurance, whichever is soonest. The final destination country will be treated as your Home Country area and cover under this insurance will be applied accordingly.

Passport holders of Australia, New Zealand or South Africa are given the option to extend the cover to include Guaranteed Medical Repatriation to their Final Destination Country. However, if the duration of that journey exceeds 31 days, you must purchase the additional cover for the Guaranteed Repatriation.

Our entire range of policies are available to Australian, New Zealand and South African passport holders currently living in the UK or an EU country, who can still benefit from the same high levels of cover, as well as additional extensions.

One Way travel insurance key benefits

• We have no minimum residency period but you should get yourself registered with a GP in the UK
• Guaranteed Medical Repatriation onwards to Australia, New Zealand or South Africa
• Most hazardous activities are covered as standard and higher risk activities can often be included for an extra charge
• We offer different types of extensions to be added to your policy, such as a cover for Laptops, Camera Equipment etc.
• Our Medical emergency assistance service is available 24 hours a day

Globelink travel insurance one way is a great opportunity to travel whenever you want with comfort and at low cost. Save your time for booking and preparations. Travel safely with Globelink International! Share your travel experience, photos and travel stories!

Large number of Pre-Existing Medical conditions that are covered for free, so you do not need to pay extra for Diabetes, High Blood Pressure and many other conditions, so long as you have had no related complications. Your medical condition will be covered if it is in the list of “ No Screen Medical Conditions ”.

One way travel insurance from Globelink International is a unique option for all UK and EU residents aged up to 89 years old who are emigrating back to their native country. Get a Quote and arrange cover securely online. Your policy will be delivered instantly to your email address.

Single Trip Travel Insurance

Single Trip Travel Insurance is designed for people aged up to 89 travelling independently or on a package holiday with a maximum trip duration of up to 15 months.

• Cancellation or Curtailment - up to £6,000 in total
• Emergency Medical Expenses - up to £10,000,000 in total
• Baggage - up to £3,000 in total

Annual Multi-Trip Travel Insurance

Travelling more than once a year? Take as many holidays as you wish and be covered all year long! 17 days Winter Sports Cover FREE if you take out the 45 days policy.

Designed for most Individuals, Couples or Families who undertake several trips of up to 120 days within a 12 months period. For people aged up to 79 years!

• Baggage - up to £3,000 in total

Backpacker Travel Insurance

Career breaker? Globetrekker? Globelink Insurance offer the budget solution for long stay journeys.

Aimed at under 51 years old backpackers on a tight budget up to a maximum of 18 months. Most adventure sports covered for free.

• Cancellation or Curtailment - up to £2,000 in total
• Emergency Medical Expenses - up to £5,000,000 in total
• Baggage - up to £1,000 in total

See also: expat travel insurance , gap year travel insurance , international travel insurance , student travel insurance , cruise travel insurance , annual travel insurance to Europe , best travel insurance , best value travel insurance , budget travel insurance , business travel insurance , camping insurance , cheap European travel insurance , cheap holiday insurance for over 65 , cheap travel insurance couples travel insurance , Easter travel insurance , essential travel insurance , extended travel insurance , extreme sports insurance , family travel insurance , fcdo travel advice , global travel insurance , group travel insurance , holiday travel insurance , last minute travel insurance , long stay travel insurance , long term travel insurance , worldwide travel insurance , yearly travel insurance , quick quote travel insurance , travel insurance for children , travel insurance for Europe , travel insurance for non UK residents , travel insurance for working abroad , travel insurance to America , travel insurance for UK residents

Still have questions?

Globelink team will assist solving any of your questions over the phone 00 44 (0) 1353 699082.

Travel Insurance

Please read your Policy Wording carefully to ensure that it meets with your precise requirements. View and download the relevant Policy Wording* from the links below. If you purchased a Globelink policy previously while you were an EU RESIDENT, or you need to view the Policy Wording we issue to EU Residents, please click here to visit our Globelink EU site.

*If you purchased your Travel Insurance policy prior to Jan 2022, you can view your policy wording by reviewing your Globelink Travel Insurance Documents Purchase email, or obtain a copy by contacting [email protected] with your name and address details.

*if you purchased a STAYCATION Policy please see the *last PDF at the bottom of this page – for the Staycation Policy Wording

Policy Wording for Policies issued to UK residents (Living in the UK only) from from 29th November onwards .

Policy wording for policies issued to uk residents (living in the uk only) from 1st october 2023 to 28th november ., policy wording for policies issued to uk residents (living in the uk only) from 1st june 2022 to 30th september 2023 ., policy wording for policies issued to uk residents (living in the uk only) from 1st feb 2022 to 31st may 2022., policy wording for policies issued to uk residents (living in the uk only) from 30th dec 2020 to 31st january 2022, policy wording for policies issued to uk residents (living in the uk only) from 29th oct - 29th dec 2020, policy wording for policies issued to uk residents (living in the uk only) from 1st oct - 28th oct 2020, policy wording for policies issued to uk residents (living in the uk only) from 1st feb – 10th august 2020.

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One Way Travel Insurance

For one way trips

We are proud to offer specialist cover for travellers making One Way journeys leaving from the UK and ending in a destination anywhere around the world.

You may be making a one-way journey to your new home country, or returning to your home country after an extended stay in the UK.

Our Emigration Silver or Emigration Gold policies are designed to offer travellers comprehensive and essential cover for both the one-way journey and for a period of time whilst they settle into their new home, and make more permanent insurance arrangements. Unlike some Emigration policies, our benefits extend beyond arrival or check-in, for a chosen period of time. Our insurance provides a useful ‘breathing space’ whilst you settle in to your new home, it can also cover you if you are going to be doing some travelling before you arrive at your final destination.

Australia has a system called Medicare, and New Zealand has a similar system too, and you may be eligible to register with them as soon as you arrive. 

Your Emigration policy still has additional benefits however, as it also tops up your Emergency medical cover, where there are limitations offered by Medicare, as well as a host of other useful benefits which you can look at here .

If you are going to be doing some travelling en route, it is important to select the correct area cover e.g. if you are emigrating to Australia, but you are spending 3 days in Thailand on the way – as this is longer than our gratuitous period of 48 hours for a stopover – you should select the area cover of ‘Worldwide excluding USA, Canada and the Caribbean.

If you’re seeking employment opportunities in either Australia or New Zealand, take advantage of a £60 saving by signing up to the  Down Under Centre Employment Hub  which puts you in contact with potential employers.

A range of optional extras can be selected including:

Activity Cover

If you are participating in any of the hazardous activities listed within an activity pack higher than pack 1 then you must purchase the appropriate hazardous activity pack.

Cruise Cover

Cover for going on a ‘Cruise’ holiday for one or more of the trips that you have planned, this also adds extra ‘Cruise benefits’ to your policy.

See policy wording documents for full terms and conditions relating to these covers.

See an overview of the benefits of all of our policies.

Read the full cover details in the Policy Wording Documents

Obtain a simple, straightforward quote and buy online

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Travel Insurance for the UK

The UK has enough bucket list attractions to compete with any travel destination around the world. With the historical magnificence of Buckingham Palace, the charming beauty of the English countryside, the prehistoric intrigue of Stonehenge and the raw wilderness of Scottish shores, it’s little wonder that thousands of Kiwis explore the UK each year. The UK is made up of England, Scotland, Northern Ireland and Wales, and each region has its own identity, attractions and potential challenges for travellers. While some areas of the UK might feel like a home away from home for many Australians New Zealanders, your holiday still needs research, preparation and the right travel insurance for your journey. 

What should my travel insurance for the UK include?

Your travel insurance for the UK should provide cover for the unexpected. The level of cover should be right for you and your journey, so be sure to do your research before choosing your policy and provider. Some Kiwis might assume that because of New Zealand's close relationship with the UK, they don’t need travel insurance when visiting. However, while New Zealand and the UK share a reciprocal health agreement, that provides limited medical cover for New Zealanders in the UK, this doesn’t include protection for emergency dental care, flight cancellations caused by injury, medical evacuation, or any treatment from a medical provider that isn’t part of the National Health Service Scheme. 

Why choose Southern Cross Travel Insurance?

+ Based upon the total number of travellers trips we have insured across the markets where we operate for all our travel insurance products from January 1995 to October 2023. # Based upon the total number of claims we paid as a proportion of all claims we received across the markets where we operate for all our travel insurance products from 1 January to 31 December 2023.

What types of travel insurance could i get for the uk .

Our travel insurance offers a range of cover options for your trip to the UK. 

International Comprehensive 

Our International Comprehensive travel insurance policy, can protect you with a variety of benefits, policy limits and a supportive claims team. You’ll gain access to our worldwide emergency assistance team, who are there to help 24 hours a day, 7 days a week.     Our International Comprehensive travel insurance includes cover for: 

• Unlimited medical and evacuation expenses that arise due to unexpected events while on your journey
• Cancellation fees and lost deposits – increase your cover depending on the cost of your journey
• Damaged or lost baggage
• Personal items if they are stolen or damaged
• Rental car excess should you have an accident
• Emergency dental treatment
• Funeral costs 
• Optional add-ons for cruise, moped and ski cover. 

Annual Multi-trip

Heading overseas a few times this year? We know family visits, events and holidays can mean we’re not just taking the one trip per year! We offer an Annual Multi-trip policy that provides the same great benefits as the International Comprehensive, and means that you’re covered for an unlimited number of return journeys overseas, over a period of 12-months. You’re able to choose to have your journeys covered up to a maximum of 30, 60 or 90 days in length. This can make it easier to sort your travel insurance for all of your upcoming trips, and you can focus on what matters – the adventure!  

Our Working Overseas policy is designed to protect you from the unexpected while away from home. It provides the comprehensive cover of a standard travel insurance policy, while also covering living and working abroad with tailored benefits such as optical treatment, maternity care, rehabilitation and occupational therapy and repatriation. You’ll also automatically have cover for all add-ons, such as skiing and snowboarding cover, cruise, and moped cover.  A range of travel-related issues are covered under the Working Overseas policy, such as medical expenses, emergency medical evacuation, trip cancellation, trip interruption, resuming your journey, lost or stolen baggage and more.  

Things to consider with Travel insurance for the UK 

Does my insurance cover me for medical and hospital bills.

Whether it’s a slip and fall, a contaminated restaurant meal, or a bad bout of the flu, medical emergencies can be incredibly expensive. As well as the cost of medical treatment, you may need to pay for more spacious seats on the plane (to accommodate a broken leg, for example). Some injuries and illnesses might force you to extend your holiday, meaning you have to pay for extra accommodation and living expenses until you’re fit to fly. We understand how upsetting medical emergencies can be while you’re on holiday, which is why our International Comprehensive and Working Overseas and International Medical Only travel insurance policy’s can cover you for unlimited medical and evacuation expenses that arise due to unexpected events while on your journey.  

Am I covered for stolen or damaged valuables, like my phone, camera and laptop? 

The UK can feel like a second home for many Aussies Kiwis, however that shouldn’t make them complacent with their valuables. Pickpocketing and petty theft is common in the UK. We understand how upsetting it can be to have your valuables stolen overseas, which is why our International Comprehensive, Annual Multi-trip and Working Overseas travel insurance policy can cover you for loss, damage or theft to valuables that occurs from an unexpected event. What is an ‘unexpected event’? Your policy defines an unexpected event as something that was unforeseeable, sudden, unintended and out of your control. You can read more about your cover under our relevant travel insurance policy documents.

Does my cover include flight cancellations and delays? 

Whether it’s severe weather, volcanic ash clouds, or airline workers on strike, there are a number of ways your flight plans can be disrupted. For uninsured travellers, these disruptions can be costly and frustrating, especially when you need to extend your accommodation bookings. Our International Comprehensive, Working Overseas and Annual Multi-trip travel insurance policy includes travel interruption cover, that can insure you for the additional costs of accommodation, transport and meals if your travel is interrupted for more than 12 hours. If you’re attending a special event (e.g. a wedding or concert) and your travel is disrupted by an unexpected event, we may also cover alternative transport costs to get you there on time.

Am I insured if I rent a car in the UK? 

Heading beyond the city centres in a rental car is a great way to explore the charming UK countryside. Raw coastline, rolling hills and rustic villages can all be easily reached in a rental car. But before hitting the open road in a rental car, travellers should ensure that they’re covered for unexpected accidents under their insurance. If your rental vehicle is damaged or stolen due to an unexpected event, our International Comprehensive, Annual Multi-trip and Working Overseas policies can cover non-refundable excess up to $5,000. If you plan to hit the open road overseas, remember to:

• Obey all local driving laws
• Hire your vehicle from a licensed rental car agency
• Comply with the terms of the rental vehicle agreement
• Only drive on formed or paved roads and car parks
• Don’t drink or drive under any circumstances

Do I need to declare transit stops as destinations on my travel insurance policy? 

It’s a given that you’ll have at least one transit stop on your way over to Europe, so it’s important to know whether you need to declare transit stops as destinations on your travel insurance policy.  Under our International Comprehensive, International Medical Only, Working Overseas, or Annual Multi-trip polices, you do not need to declare transit stops where you are there for less than 48 hours. 

Pre-Existing Medical Conditions

Pre-existing medical conditions are not automatically covered under your travel insurance policy. We want to help you understand what a pre-existing medical condition is, and what you need to do if you have any, so that you know what you are covered for under your travel insurance policy for your Europe trip.  

What is a pre-existing medical condition? 

We consider a pre-existing medical condition to be any illness, injury or health symptom to which all the following apply. 

• You know about it, or a reasonable person should have known about it before the date your insurance starts
• You sought or received medical help
• Someone recommended you seek or receive medical help
• A reasonable person would have sought or received medical help
• You were waiting for medical help

In this definition, ‘medical help’ means any of the following:

• Advice from a health professional
• Tests, investigations, or specialist consultations
• Care, treatment, or medical attention, including surgery
• Medication or a script for medication

An illness, injury or health symptom doesn’t need a confirmed medical diagnosis to count as a pre-existing medical condition. 

Find out more about pre-existing medical conditions for our  International Comprehensive ,  Annual Multi-trip  and  Working Overseas  polices.  

We're with Kiwis in the UK

What our customers have to say about us, what you need to know.

This page includes some information about our products but, as with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant policy documents to ensure our travel insurance products are right for you.

You can find the relevant documents for all our policies here:  International Comprehensive , Annual Multi-trip ,  Domestic ,  Working Overseas ,  Visiting New Zealand ,  International Student  

Need some help?

If you’d like to get in touch, check out the ways you can contact us . Our friendly insurance experts are happy to help!

Related articles

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London Calling

Trip Details.

Type to select country destinations

Type the countries you are travelling to or select from popular destinations below.

• Cook Islands
• New Caledonia
• New Zealand
• Philippines
• South America
• Netherlands
• Switzerland
• United Kingdom
• South Africa
• Middle East
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• Domestic Cruise
• Cruising New Zealand

Please Note: You do not need to include stopovers less than 48 hours, except for USA and Canada.

• Depart Return

Are all travellers under 19 your children or grandchildren?

Dependants are defined by TINZ as your children or grandchildren, not in full time employment, who are under the age of 19 and travelling with you for 100% of the journey. Before proceeding, please confirm that all travellers under 19 are dependants of the adult travellers. If the child is not classified under the above terms then please treat them as an adult traveller within this policy.

The Already Overseas plan is appropriate for New Zealand residents who are already overseas and need travel insurance cover because they have either forgotten to purchase before they left New Zealand or, their existing travel insurance policy has expired.

Please read our conditions of purchase carefully. We can only provide cover provided that you satisfy the following conditions at the time of purchase:

• You are aged 64 or under; and
• You have a permanent residential address in New Zealand and will be returning to resume residence in New Zealand at the end of your journey; and
• You intend to return to New Zealand on the date your policy ends; and
• You purchase your policy within 30 days from either the date you departed New Zealand; or the expiry of any other travel insurance policy; and
• Your period of overseas travel does not exceed 18 consecutive months in total from the date you originally departed New Zealand;

Please note:

• For this plan “journey” means the time from when the policy is issued while you are overseas and ends when you arrive at any immigration counter in New Zealand.
• Journeys can be up to a maximum of 90 days.
• Purchasing an Already Overseas policy is limited to one journey every 12 months.
• There is no cover provided for the first 72 hours from the start date of your certificate of insurance.

Age limit exceeded.

We are sorry.

We are unable to provide cover for this trip. Travellers aged over 80 years and over can only purchase travel insurance for a maximum duration of 6 months.

Please visit our partner website www.comparetravelinsurance.co.nz to purchase travel insurance for this trip.

Single Trip | Annual Multi-Trip

Travel insurance  for the uk.

Cor blimey, heading to Blighty? Flight delays, dodgy tums and lost luggage can muck up your trip faster than a London cabbie. Don't let a travel mishap turn your skies grey. Get travel insurance! 

24/7 Emergency  assistance

Your health is our number one priority. Our emergency assistance experts are just a phone call away 24 hours a day, seven days a week.

Cancellation  cover

Don’t lose out if you have to cancel your trip. We offer cover if you can no longer travel or have to return home early due to a range of unforeseen events.

Travel delays

Delays are common source of frustration when travelling. Thankfully, we provide you with compensation if you’re delayed for more than six hours.

Terrorism cover

We don’t exclude terrorism. If you’re caught up in an act of terror, we’ll pay for your flight home, cover medical costs and in some cases trip cancellation.

Riding a motorbike or scooter

  You’re covered on two wheels, so long as you’re wearing a helmet and the driver holds a valid licence recognised in the country you are travelling.

Gadget Cover

No doubt you'd be gutted to lose your brand new gadget. Luckily our plans provide different levels of cover for phones, iPads, cameras and laptops.

Longer cover

That’s right, we for go for longer. Most insurers limit their cover to twelve months, with TINZ you can get cover for up to 18 months with the ability to extend.

Cruise cover

We’re on board with you and don’t charge any extra if you’re heading on a cruise throughout the year. With TINZ, you’re covered from ship to shore.

UK  traveller's guide

Want to spend 24-hours on a plane? Then you want to head to the UK. Here's the lowdown on old London town (and the rest of your British stay).

 VISAS

New Zealand passport holders can visit the UK for up to 6 months (or 3 months if you enter via the Republic of Ireland) without a visa, provided that:

- you do not work during your stay - you do not register a marriage or civil partnership in the UK - you can present evidence of sufficient money fund your stay - you intend to leave the UK after your stay, and have sufficient funds to do so    

 BEST TIME TO VISIT

The UK is actually many places with distinctly different cultures - England, Scotland, Wales, and Northern Ireland - but the weather tends to be similar regardless of where you are. December tends to have the least sunlight hours (less than 7 hours in northern Scotland) than any other time of year. It tends to snow and you can be sure that Christmas lights will be everywhere. If you're looking for warmer weather, May through June is a good time to go - Wimbledon, the Royal Ascot and the Royal Regatta, and Glastonbury Festival are all at during this time. If you're okay with the peak tourist crowds, July through August are the warmest and driest, the world-famous Edinburgh Fringe Festival of comedy and theatre is without question the highlight.

 NEED TO KNOW TIPS

Brexit means that the UK may not longer be a part of the European Union by the time you arrive. Be prepared for delays and possible shortages, but the UK Government has suggested it will do what they can to reduce inconvenience.

 GETTING AROUND

The UK is even smaller than New Zealand, and is very well connected by rail. The National Rail system has over 2,600 stations. Generally you can have tickets sent to you by eTicket. Train coaches come in standard or first class - if you choose the latter, you'll get more space, a newspaper, and a free drink. Most trains also have air conditioning and Wi-Fi. Commuter times can also be peak times, so if you can wait til the middle of the day, your experience of the trains can be much better. If you're under 30, a Young Person's Railcard can help you save money. 

Most buses operate on a pay-as-you-board system, except for those in London, and you can catch a tram in Manchester, Birmingham, Sheffield or Blackpool. 

According to the United Kingdom Tea Council, 96 percent of tea is consumed in the form of tea bags (an American invention), 98 percent of people take milk, and 45 percent take sugar. Residents of the United Kingdom each consume 2.3 kilos of tea per year to Americans' 0.2 kilos.

  - Erin Moore, Author

 WHAT TO EAT

All popular English food is designed to warm the heart and insulate the soul. Think takeaway fish and chips, a pub roast dinner, or bangers and mash. For a decidedly Scottish take on Indian food, a chicken tikka masala (which was allegedly invented in Glasgow by an Indian-Scottish chef) is one of the UK's most popular dishes. 

 WHERE TO GO

There's the classics - Big Ben, Buckingham Palace, The Tower of London, Stonehenge, Edinburgh Castle, St David's Cathedral, and the Scottish Highlands. 

For film and TV fans, why not visit the Warner Bros. Studio Tour for the full Harry Potter experience? Or check out Castle Ward in Strangford, Northern Ireland to be King in the North in Game of Thrones ' Winterfell. And go see the Edinburgh Fringe Festival in August, one of the world's largest comedy and theatre festivals - you'll spot many famous faces on tour.

Looking for somewhere more unusual to tell your friends back home about? The Ilford Animal Cemetery in England is the last home of some 3,000 family pets and military animals. Nearby in Walthamstow is the kaleidoscopic electric maze of God's Own Junkyard, a warehouse gallery dedicated to neon signs. Want to see a Banksy up close? Head to Rivington St in London for his 'Designated Graffiti Area'. 

 NEXT STOP!

Planning on heading elsewhere on your trip? Whether you're saying  'Hey!' to the USA , or you're chilling in  C hina , TINZ has you covered.

TRAVEL INSURANCE OPTIONS

Get cover for the things you love. Whether you’re an avid skier, an adrenalin junkie, a gadget freak or a high-end holiday maker, TINZ has the extra cover you’re looking for.

DOMESTIC TRAVEL

If the UK is too far and you're rather stay closer to home, consider a TINZ domestic policy - it includes all the cancellation, luggage and public liability benefits you'd expect, as well as $6,000 worth of rental vehicle excess cover.

SKI INSURANCE

Our ski cover add-on lets you participate in a wide range of winter sports, from skiing through to sledding.

ADVENTURE ACTIVITIES

GROUP BOOKINGS

Booking with friends or family? We automatically apply discounts for groups.

SPECIFIC ITEMS

Camera? Check. Phone? Check. Go Pro? Check. They're all covered for theft or loss under TINZ policies.

PRE-EXISTING MEDICAL CONDITIONS

Have a common condition like high blood pressure or high cholesterol? We automatically cover 35 conditions provided you meet our criteria. Have something more complicated? You can answer a few questions about your condition and we'll let you know immediately if we can cover you.

FREQUENT TRAVELLER TRAVEL INSURANCE

Pining for Pimms and poms? If you’re planning several trips to the UK this year a frequent traveller policy can save you time and money.

Travellers under the age of 64 can leave New Zealand as many times as they like in a year, for trips of less than 15, and up to 90 days at a time.

UK TRAVEL INSURANCE  FAQS

We don’t like to think of holidays as risk-taking ventures, but the truth is, new (slightly chillier) environments and unfamiliar territory can throw any traveller for a loop. Make sure you pack travel insurance along for your UK adventure.

Q: Do I need medical cover while I’m in the UK?

New Zealand and the United Kingdom share reciprocal healthcare agreements meaning you will have access to government medical facilities and care while travelling in the UK. However, this would not cover any additional accommodation costs, flights for family members or medical repatriation to New Zealand. TINZ can help to cover these costs should the worst-case scenario occur.

Q. Am I covered in the event of a terror attack?

Unlike most insurers we don’t exclude terrorism. If you’re caught up in an act of terror , we’ll pay for your flight home, cover your medical costs and in some cases, reimburse you for trip cancellation . See Policy Document for further details.

Q. What is the cover limit on rental vehicle excess?

Although hiring a rental vehicle affords you plenty of freedom on your travels, there’s always the possibility that you may damage your hire car. TINZ includes a $6,000 rental vehicle excess cover as standard on our Comprehensive and Comprehensive Plus plans, saving you on exorbitant insurance excess fees when you hire a car.

Q. Am I covered in the event of natural disaster?

In the event that you are affected by an unforeseen natural disaster (and have bought a comprehensive policy), you would be covered for travel disruptions, additional accommodation expenses and lost deposits. However, in order to be covered you would need to have purchased a policy before news of the natural disaster hit the mainstream media.

Q. How do alcohol and drugs affect my cover?

When it comes to alcohol we understand that for some, there’s no better way to kick off a holiday than with a poolside cocktail (or two). However, please note we may exclude any claims where excessive drugs or alcohol have been involved.

Q. Am I covered for pickpocketing?

Yes- you’re covered for muggings provided of course, you were acting with reasonable care (i.e. did not leave your belongings unattended). If you’re the victim of a pickpocket you’d be covered for loss, theft and damage to your luggage and personal effects. If you are robbed it’s important that you get a police report and contact us as soon as possible.

Q. Are my IPad, SLR camera or laptop covered?

Bear in mind the most we will pay for individual single items is $1,000, and $3,000 for personal computers, video recorders or cameras. If you are taking particularly expensive items on your holiday – make sure they are covered! Even if you’ve purchased our Comprehensive Plus plan (with a benefit amount of $25,000 for luggage and belongings), you would not be covered for a single item worth $25,000.

Q. What is a dependant?

A dependant refers to your child or grandchild not in full-time employment under the age of 19 and travelling with you on your journey.

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