NZ Student Plan

For international students studying in New Zealand

The NZ Student Plan protects students and their families.

Life is full of surprises, so it is important that Students and families are looked after when the unexpected happens. Uni-Care’s NZ Student Plan policy is designed to protect International Students and their families against unexpected events and the costs that accompany them. The policy provides cover for non New Zealand residents aged 60 years or under, who study, and temporarily reside in New Zealand.

Apply for our NZ Student Plan online or through your Education Provider.

Things You Should Know

+ Pre-existing Medical Conditions

Pre-existing medical conditions are not automatically covered. Cover may be granted upon application – if you have a pre-existing medical condition please make sure you provide full details in your online application. If you have already applied for your policy but the policy has not started yet, and become aware of a pre-existing medical condition please complete a Medical Declaration online to enquire about obtaining cover.

+ High Value Items Need to be Specified

Your luggage is covered for up to $15,000 in total but individual items, sets, or pairs of items are limited to $2,500 for each individual item, set, or pair of items unless the items are specified and additional premium is paid.

+ Where will I be covered?

As well as cover in New Zealand, NZ Student Plan offers cover for up to 9 days in transit between your country of origin and New Zealand. Cover is also in place for visits of up to 31 days to Australia, Fiji, Cook Islands, Samoa, American Samoa, Tahiti, Tonga, Niue and Vanuatu, and Bali and Lombok. If you change your Visa from a Student Visa to another type of Visa then your Student Plan is no longer valid and you will need to upgrade to an NZ Visitor Plan or an Australasian Plan for the remainder of the policy period.

Get a Quote

+ NZ Student Plan Cover Summary

Insurance is about protecting you from the unexpected. Uni-Care has been protecting students coming to New Zealand to study for more than 20 years. NZ Student Plan is designed to help when things go wrong a long way from home. Our NZ Student Plan meets and exceeds the requirements of the Education (Pastoral Care of International Students) Code of Practice 2016.

Please refer to the policy document for full terms and conditions of this cover.

Medical Care

If you unexpectedly become ill, or suffer an accident or injury, you won’t have to worry about paying for your qualifying medical care. NZ Student Plan will pay your qualifying medical treatment costs including diagnosis, prescriptions, surgery and hospitalisation.

Unexpected Return Home

If you were to suffer a serious injury or illness and needed to go home then NZ Student Plan would help by taking care of the costly expenses involved, allowing you and your family to focus on your recovery. If your family members are required to assist with your repatriation the policy would assist with their travel costs. If one of your immediate family suffered a critical illness or injury or died then the policy would also help to get you home quickly.

Loss of Deposit

If illness or injury means you are unable to take part in planned travel activities or complete your enrolled course of study, the policy would reimburse your non-refundable costs.


NZ Student Plan covers your personal effects for loss or damage to $15,000 but individual items, sets, or pairs of items are limited to $2,500 for each individual item, set, or pair of items unless the items are specified.

Personal Liability

If you accidentally damage property belonging to someone else then tell us what has happened and let us manage negotiations and costs with the other party or their insurer.

Rental Car Excess

Rental car excesses can be costly – you can claim up to $5,000 liability for rental car excess payment.