New Zealand Visitor Plan

Insurance for travellers visiting or working in New Zealand

New Zealand Visitor Plan

Uni-Care’s NZ Visitor Plan provides comprehensive travel and medical insurance cover for travellers who visit, work or temporarily live in New Zealand.

This Plan covers you for unexpected medical care, theft, loss and damage of luggage and personal effects and travel disruption. 

With the NZ Visitor Plan, you can be confident you are covered if the unexpected happens while on a working holiday or visit to New Zealand.

Who is the NZ Visitor Plan for?

The NZ Visitor Plan is designed for non-New Zealand residents aged 65 years or less, who hold a working holiday or visitor visa for work and travel in New Zealand.

The Visitor Plan can cover up to two adults and five children.

Key benefits

An overview of the NZ Visitor Plans key benefits are listed below. Terms and conditions apply so please refer to the Visitor Plan policy wording for full coverage. 

Medical care

If you unexpectedly become ill or suffer an injury or accident, the NZ Visitor Plan will pay your qualifying medical treatment costs, including diagnosis, prescriptions, surgery and hospitalisation.

If you contract Covid-19 or show symptoms while travelling, you are also eligible for some related expenses. 

Unexpected return home

If you become seriously ill or are seriously injured and need to return to your country of origin, your expenses are covered, allowing you to focus on your recovery. The policy also helps with travel costs for family members if they need to travel to New Zealand to help with your return.

It provides financial assistance if you need to return home quickly due to an unforeseen event, where an immediate family member under the age of 76 has become critically ill, injured or died.

Personal effects

Your luggage and personal effects are covered for theft, loss or damage to the value of $30,000, with an individual limit of $2,500 per item.

Loss of deposit

If sickness or injury means you are unable to take part in planned travel activities, you will be reimbursed for your non-refundable costs.

Personal liability

If you accidently damage someone’s property, the Plan can cover your costs and legal expenses. 

Rental vehicle excess 

In the case of loss or damage to a vehicle you have rented, you can claim up to $5,000 towards excess costs that are payable to the rental car company.

Policy wording

For full details of benefits that apply please see the New Zealand Visitor Plan policy wording (PDF).

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Things you should know

Pre-existing conditions are not automatically covered with your New Zealand  Visitor Plan, however you can apply to have these covered once you have purchased your policy for an additional fee. We will email you an application form to be completed within 7 days.  You won't have cover for any claims related to your pre-existing conditions until the application has been accepted. 

Your luggage and personal property are covered for up to $30,000, with a limit of $2,500 for individual items. This means if you have high value items above $2,500 you want insured you need to let us know about them so they can be listed on your policy. An additional premium will be payable to cover these specified items.

The limit for any specified item, set or pair of items is $5,000 with a maximum for all specified items of $30,000. 

As well as insurance for your stay in New Zealand, the NZ Visitor Plan covers

  • Transit for up to 9 days travelling between your country of origin and New Zealand.

If you are planning to spend time in Australia, Uni-Care's Australasian Plan provides cover for both countries.

The NZ Visitor Plan does not provide cover for manual work or hazardous work unless Uni-Care has agreed to their inclusion. 

In the event you need to make a claim, Uni-Care has a team here to support you, as well as emergency assistance for urgent situations. 

An excess is the amount that you must pay first for all your covered losses arising from a single event before you can claim under your policy.

An excess applies to the below sections of the policy:

  • Section 1A (Medical and Related Expenses) and 1B (Additional Expenses) where there is an Excess of $75
  • Section 2 (Luggage and Personal Effects) where there is an Excess of $200 for Technology Items and $100 for other claims under section 2; and
  • Section 5 (Personal liability) where there is an Excess of $100.

The Visitor Plan can cover up to two adults and five children.

When it is time to renew your NZ Visitor Plan, Uni-Care will contact you by email and provide information about your renewal. 

This policy may be cancelled by giving notice to Uni-Care either:

  • between the date issued, as stated on your Certificate of Insurance and the policy start date, or
  • within 14 days of the policy start date providing you have not claimed.

Please refer to your policy wording for full terms and conditions related to cancellation and premium refunds.

If your need to make a change to your policy or have questions about your cover contact the Uni-Care team

Uni-Care's insurance plans are specially  designed to suit the needs of international travellers, with our emergency assistance and claims teams here to support you if the unexpected happens.