Knowledge base articles

Do I need insurance to travel to New Zealand?

If you are coming to New Zealand to visit, study or work, you should consider holding medical and comprehensive hospitalisation insurance during your stay here. Certain visa holders are not covered by publicly funded health services.

To find out who is eligible for publicly funded health services in New Zealand, refer to the Ministry of Health website.

Ministry of Health website

Some visa categories require you to hold insurance as a condition of the visa.

Fee paying student visa

Fee paying foreign students must hold acceptable insurance as a condition of their visa from the period of their enrolment until the expiry of their student visa.

An acceptable insurance policy is one which complies with the insurance requirements of the Code of Practice for the Pastoral Care of International Students and is acceptable to the student's education provider.

New Zealand schools may require you to obtain insurance before offering you a place at their institution. You should discuss details of this requirement with your education provider.

If medical insurance is a requirement for your visa application, the visa may not be issued to you unless you obtain this insurance. You may also be requested to provide evidence of your insurance policy on arrival to New Zealand.

Fee paying student visa

Working holiday visa

Most working holiday visa applicants are required to obtain medical and comprehensive hospitalisation insurance. To find out if this applies to you, refer to your country's specific requirements in the list of available schemes.

Working holiday visas

If medical insurance is a requirement for your application, the visa may not be issued to you unless you obtain this insurance. You may also be requested to provide evidence of your insurance policy on arrival to New Zealand.

Visitor visa

It is a good idea to obtain travel insurance whenever you take an overseas holiday, even though this may not be a mandatory requirement for your visa category.

Visitor visa

Which insurance company can I use?

Immigration New Zealand is unable to recommend any specific insurance companies or providers.

Our New Zealand Now website provides some guidance on insurance in New Zealand.

Insurance in New Zealand - a guide for migrants