With every trip you take, there’s always that one thing you need to worry about. For some people, it’s money for food or hotel rooms while traveling. For other travelers, it’s safety equipment like blankets or backpacks. And then of course, there’s travel insurance.
What I mean by that is, if something happens to your luggage, these things are already paid for through the regular expenses of traveling. If someone gets hurt, however, you want to make sure everything is taken care of!
Luckily, buying international health coverage has gotten a lot easier in recent years. Almost all major credit cards now offer medical reimbursement benefits as part of their overall travel insurance policy.
In this article, we will be talking about how much health insurance is for New Zealand.
What is covered
Most major international health insurance policies cover you for general medical coverage, such as doctor’s visits and medication. Some even include in-depth cancer or other serious disease treatments at leading hospitals.
This usually does not include eye care, dental services or cosmetic surgery though. These can be very expensive so it is important to have adequate coverage for these areas.
Some basic policy covers may not apply to you if you need them. For example, vision benefits only apply when you are active with your policy. If you do not use your glasses much or wear contacts, then they will not pay for this.
General medical and disability coverage typically one year in duration. After that, you must purchase re-enrollment cards which add onto the cost of the policy.
There are many ways to get travel health insurance. You can find it online, through employers, via associations or word of mouth.
The only things missing from this list are major medical coverage, personal liability coverage, trip cancellation insurance, and annual or lifetime maximum health policy limits. If you have one of these types of policies, great! But you don’t need them because they are already included in your regular travel insurance.
Most travelers know that most credit cards offer some type of traveler’s insurance as an additional perk. These can cover you if it due to theft, fraudulence charges, etc. More and more card companies are offering even more comprehensive coverage than what is offered by their main product.
How to find the best insurance
As mentioned earlier, buying travel health insurance is not as simple as choosing between high and low prices. It is important to look for adequate coverage that you have control over.
This means looking into what benefits each policy has before deciding which one is better. For example, some may offer additional daily or weekly stays at a resort but with higher annual fees. You want to make sure you can afford the yearly fee if you need more than just a week in the area!
You also want to check out how much money each company pays out in terms of wellness treatments and care facilities. Some may pay less or none at all while others may give you unlimited access to top quality healthcare. This could be expensive so it’s worth being aware of before you purchase your policy.
In addition to checking the overall price, read their disclaimer clauses carefully as well. Some may go way beyond the standard limitations such as excluding pre-existing conditions or limiting cover only for healthy people.
Also remember that even though an extreme event like drowning is probably not covered by normal trip Health Insurance, there are ways to get this kind of coverage through other policies.
Helpful tips for traveling to New Zealand
As mentioned earlier, travel insurance is an essential item to have before you leave home for any number of reasons. This includes things like covering medical expenses or replacing stolen belongings.
In this article, we will go into more detail about what types of coverage you need for your trip to New Zealand, how much coverage you should have, and some helpful tips on how to find the right policy.