About Us

Our positive global reputation comes from delivering service, care and support when it is needed.

Travelling without insurance is only for those who can afford it! For the rest of us travel insurance gives us the peace of mind of knowing that we will be looked after if things go wrong on our journey away from home.

Uni-Care covers you for costs caused by medical or accident emergencies including death or disablement, lost luggage, missed connections, legal liabilities and more.

QBE Assist will also co-ordinate response in the event of an emergency requiring international assistance. The QBE Assist network provides worldwide assistance at a local level.


Uni-Care pioneered inbound travel insurance in New Zealand over 20 years ago. Since then we have protected over 100,000 International Students, thousands of working holiday visitors and tourists, as well as thousands of New Zealanders holidaying or studying overseas.

A division of New Zealand’s leading insurance broking company, Crombie Lockwood, Uni-Care is trusted and respected by clients, education providers, sector associations and government agencies alike. Our positive global reputation comes from delivering service, care and support when it is needed.

Being away from home when things go wrong can make claim time especially stressful. Our Claims Team, some of whom were once International Students themselves, provides culturally sensitive, multi-lingual assistance. They are well practised in helping to ease the stress when the unexpected happens. Our Emergency Assistance company QBE Assist co-ordinates worldwide assistance when required.

Apply online or through education providers, education agents or insurance brokers.

Uni-Care policies are designed to meet the needs of individual travellers as well as New Zealand Visa insurance requirements. All policies are underwritten by QBE Insurance ( International ) Ltd.

Uni-Care is proud to be associated with English New Zealand, ISANA (International Student Advisors Association) and SIEBA (Schools International Education Business Association of New Zealand).

Our Insurer - QBE

QBE Insurance (Australia) Limited, ABN 78 003 191 035 - Incorporated in Australia, has been operating in New Zealand since 1890 and is Australasia's largest international insurance and reinsurance group.

QBE Insurance Group is one of the world's top 20 general insurance and reinsurance companies, with operations in all the key insurance markets. QBE is listed on the Australian Securities Exchange and is headquartered in Sydney. QBE employs more than 14,500 people in 37 countries.

QBE New Zealand offers a comprehensive range of quality business insurance products to cover enterprises of all sizes; from small owner operators to large corporations. As well as covering the corporate, commercial and professional insurance sectors QBE has been offering travel insurance in New Zealand for over 18 years via intermediaries.

QBE Insurance (Australia) Limited has been given an "A+" Insurer Financial Strength Rating by Standard & Poor's (Australia) Pty Ltd.

The rating scale is:

AAA (Extremely Strong) BBB (Good) CCC (Very Weak) SD (Selective Default)
AA (Very Strong) BB (Marginal) CC (Extremely Weak) D (Default)
A (Strong) B (Weak) NR (Not Rated) R (Regulatory Action)

Plus (+) or Minus (-): The ratings from “AA” to “CCC” may be modified by the addition of a plus or minus sign to show relative standing within major rating categories. Credit ratings issued by Standard & Poor’s Ratings Services are solely statements of opinion and not statements of fact or recommendations to purchase or discontinue any policy or contract or to buy, hold or sell any security issued by QBE Insurance (Australia) Limited or make any other investment decisions. Credit ratings may be changed, withdrawn or suspended at any time. Latest ratings can be found at www.standardandpoors.com.

An overseas policyholder preference applies to QBE Insurance (Australia) Limited ("QBE"). This means that in the event that QBE is wound up, Australian law requires that its assets in Australia are applied to satisfy its Australian liabilities, before those assets can be applied to satisfy overseas liabilities, which would include claims by policyholders in New Zealand. However, QBE is required to hold capital which meets minimum regulatory capital requirements.