Travel Insurance for New Zealand

All Medibank International Travel Insurance policies include COVID-19 related benefits. This means that if you purchase Medibank Travel Insurance for New Zealand, your policy will come with some COVID-19 cover. 

You should be aware that we can’t cover every scenario that may arise as a result of the coronavirus pandemic. For example, we can’t provide cover if the government issues a “do not travel” warning for your destination due to the coronavirus. Carefully read the PDS to understand any terms, conditions and exclusions related to our COVID-19 travel insurance.

If you have an Existing Medical Condition (EMC), you can still purchase Medibank Travel Insurance provided you're not travelling against the advice of a medical practitioner. There's a number of existing medical conditions that your policy won't automatically cover, such pregnancy, so you'll need to let us know about any conditions as part of your quote process.

Existing Medical Conditions (EMC) can fall into three categories:

1. Conditions we automatically include
2. Conditions we need to assess
3. Conditions which cannot be covered.

For a multi-trip policy, an EMC is a new, recent or ongoing condition that occurred before taking out the initial policy or prior to subsequent trips. 

Please refer to the Combined FSG/PDS for more details of the three categories and a list of Existing Medical Conditions we automatically include.

Natural Disaster means a major adverse event resulting from natural processes of the Earth; examples are bushfire, hurricane, tornado, volcanic eruption, earthquake, tsunami, falling object from space (including a meteorite), and in general any extraordinary atmospheric, meteorological, seismic, or geological phenomenon. It does not mean an Epidemic or Pandemic. 

When it comes to buying travel insurance, timing is important. If you buy your policy after the risk has been announced, travel cancellations and delays will not be covered for your trip.

But if you purchase your travel insurance before the risk is announced, you can contact us to discuss your available options. Before booking your holiday, you can check Smartraveller and travel alerts for any New Zealand travel warnings.

Medibank Comprehensive International Travel Insurance will cover some costs associated with a natural disaster. This includes:

• Reasonable additional accommodation expenses
• Additional transport expenses.

If you are a Medibank Travel Insurance customer and are affected by a natural disaster while travelling, you can call 24/7 Emergency Assistance for support.

This includes:

• Abseiling
• Archery
• Ballooning
• Bungy jumping
• Flying fox
• Horse riding
• Jet boating
• Jet skiing
• Kayaking
• Paragliding
• Parasailing
• Snorkelling
• Surfing
• Trekking
• White water rafting.

If you are participating in these activities, they are still subject to ordinary exclusions and personal liability exclusions that you can find in the PDS. 

Yes, working holidays are one of the activities that are automatically included in Medibank Travel Insurance policies for New Zealand. They are subject to ordinary exclusions and personal liability exclusions that you can find in the PDS.