Step 5: Get medical and travel insurance
I mean who would like to be stranded in a foreign country with a health problem or luggage stolen and no one to turn to?
Because I know that having to deal with insurance before a trip is the biggest pain in the “three letters word” for any traveller, let me walk you through the thought process that I went through to choose my insurance.
Choosing an insurance plan
First, I chose what was important to me and set a budget for my insurance. On one hand, I always thought that buying insurance was a waste of money, as I would never use it. On the other hand, I wanted what matters covered.
What I wanted:
A New Zealand based insurance company
I have heard about many people that took their insurance back in their home country and bit their fingers for it. They had no knowledge of the NZ market and were much more expensive than the NZ based ones.
On my way to and from New Zealand I planned to stop a few days to cope better with the flight. I wanted to make sure that my cover would apply for those stopovers too.
Decent medical cover
In my opinion, my medical expenses should be covered properly, so I compared level of cover and made an average. Nobody needs a 10 million dollar max cover!
That was the part that would reassure my parents the most. Should something bad happen, my evacuation back home would be covered.
For me, this was very important as anything can happen when driving in New Zealand.
Excess lower than NZ$100
For those who don’t know, every insurance has an excess per claim, which means that for every claim you will lodge, you will have to pay a part of it and the insurance will pay the rest. For instance if I claim $250 and my excess is $50, I will be paying $50 and my insurance $200.
It sounds stupid and it is absolutely not essential, but I wanted my stuff to be covered, just in case.
I decided to take all the other item covers as welcomed extras, knowing that they may come in handy but were not the core part of my decision.
Starting with those criteria, I looked around at all the offers and found the one promoted by Working Holiday Starter (yes, again). This is actually how I found them at the first place, even before looking around for arrival packs.
The cover on this page met all my criteria and had a lot extra. As a bonus, it was way below my budget limit despite the fact that I took the most expensive option. It was a very easy for me to compare the three plans offered and book it online.
I cannot review the insurance company’s services as I was lucky enough not to have to use them, but I met one person that did and told me that they did their job.