For the majority of travellers their trip will be a hassle free adventure of a lifetime. However every year something happens to backpackers in New Zealand be it injury or theft. We recommend that all travellers take out travel insurance to ensure they are covered if the worst happens.If you are undertaking a Working Holiday one of the requirements of obtaining a visa is that you have appropriate medical insurance.

Due to the saturation of the travel insurance market over recent years prices are competitive and discounts are given for online purchases. Remember to read your policy carefully and make sure you are actually covered for everything or there is no point in buying insurance! Points worth noting are if you are covered for adrenalin activites and while at work if doing a Working Holiday in New Zealand. For more detailed information on travel insurance please see our Travel Insurance article.

	Downunder Insurance	World Nomads Insurance
Policy for travellers from	UK, NZ and AUS	All Countries
NZ Cover 12 Months	£189 (online only)	£200
Policy Name	Backpacker Policy	Worldwide exc USA, Canada & Japan
Medical Cover	£2,000,000	£2,040,587
Personal Belongings (the total value of belongings covered)	£1000	£1020
Personal Item Limit (Max value of each item)	£100	£102
Cancellation Cover (How much covered for if you have to cancel your trip)	£1000	£4081
Missed Departure	£100	-
Adventure Activities Covered	click here for details	click here for details
Covered Whilst Working	Yes (excluding manual labour above ground or using heavy machinery)	Yes
Excesses (If you make a claim you will have to pay this amount)
Medical Claims	£75	£40.80
Belongings Claims	£50	£40.80
Excess Waiver (Extra cost on policy so you dont pay any excesses when claiming)	£18.90 (10%)
Extra Features of Policy/Company	NZ Policy covers you for 25% of your time in another country around the world	Update and extend policy online whilst still travelling
More Details	Click here	Click here