International Student

International Student




International Student travel insurance

Students studying

With stunning scenery, welcoming people and world-class educational opportunities, New Zealand is a great place to study overseas. But when it comes to travelling, there’s always room for the unexpected to happen.

That’s why it’s so important to protect yourself with quality international student travel insurance, which will give you the peace of mind to enjoy your time here with confidence. In fact, all international students are required to have medical and travel insurance to qualify for a New Zealand international student visa.

Our International Student travel insurance is designed to protect you while you’re living and studying in New Zealand. Whether it’s a stolen laptop, a broken bone or a bout of the flu, this comprehensive cover is tailor-made to give you the freedom to travel with certainty and focus on what matters.


Do students need travel insurance while studying in New Zealand?

Yes! To qualify for a New Zealand international student visa, it’s required that you have quality insurance that complies with the Code of Practice for the Pastoral Care of International Students and is accepted by your educational institute.

This might sound confusing, but don’t worry; our International Student travel insurance is designed to meet these requirements and provide you with top-quality protection during your stay.


Students have been choosing our international student travel insurance for 25 years, and we’ve worked hard to ensure it meets and exceeds your expectations. We offer an Individual or Family policy:

Individual: International student travel insurance designed for one person

Family: International student travel insurance designed for:

  • one person and any of their dependent children;
  • one person, their spouse and any of their dependent children 

These policies both include the following great benefits: 

1. Medical and evacuation

Whether it’s a broken bone or serious illness, medical emergencies can be upsetting and stressful while you’re travelling. That’s why our policy includes cover for medical and evacuation expenses.

Please note that as a visitor to New Zealand, you’re also covered by the Accident Compensation Corporation (ACC) if you’re injured in an accident, which can assist you in paying for treatments like GP services, dental and physiotherapy. You must claim through the ACC for accidental injuries prior to claiming through us.

2. Changes to your journey

Sometimes, things just don’t go to plan. Our policy includes cover for changes to your journey if an unexpected event means you need to alter your travel arrangements. For example, if you’re unable to continue your studies in New Zealand, you can be covered for student fees that you’ve prepaid and can’t recover or use.

3. Personal accident

Worst case scenarios aren’t nice to think about, but with our International Student travel insurance, you’ll be prepared if they happen. Our policy includes cover for personal accidents during your trip, including disablement and death during your journey.

4. Rental vehicle excess

Driving in New Zealand

With scenic drives, charming towns and plenty of coastline to explore, it’s no surprise that hiring a car is a popular way to explore New Zealand. However, it’s essential that your travel insurance includes rental vehicle cover in case the unexpected happens on the road. Our International Student policy includes rental vehicle excess cover of up to $1,500 per person, per year.

5. Personal liability

Our International Student travel insurance also includes cover for personal liability, to protect you in the event that you become legally liable or incur legal expenses due to negligence.

6. Cash and travel documents

We also cover your cash and travel documents, like your passport. These items can be expensive and stressful to replace, so it’s important to choose an insurance policy that protects these valuables.

7. Baggage and personal items

Stolen, lost or damaged personal belongings can be frustrating and expensive. We know how important these items are to your studies and for keeping in contact with home, which is why our policy includes cover for your personal items like laptops, phones and luggage.

For full terms and conditions, excesses and sub-limits, please refer to the Policy Document.


Why choose Southern Cross Travel Insurance?

 Nugget Point, New Zealand

So why choose to protect yourself with Southern Cross Travel Insurance (SCTI) while you study in New Zealand? At SCTI, we’ve been offering great value International Student travel insurance for 25 years, but this is only part of the story. Here are six more reasons why we’re a great choice:

1. We’re based in New Zealand

Who better to protect you on your visit to New Zealand than one of the country’s leading travel insurers?

2. We offer 24/7 emergency assistance

We’re committed to offering 24/7 emergency assistance, so you know that we’re here to help when you need us.

3. We don’t charge excess on medical costs

We don’t deduct any excess on medical costs. Instead, we pay for 100% of eligible medical claims.

4. We cover you when you visit home

Want to return home to visit friends and family before continuing your studies in New Zealand? No problem! We’ll cover you while you visit your home country for up to 90 days.

5. We can provide cover for pre-existing medical conditions

Our policy can also include cover for a range of pre-existing medical conditions, so you can travel knowing you’re covered with comprehensive protection for your specific medical needs. Simply call us to complete a medical assessment over the phone, and if we can provide cover for your pre-existing medical conditions, we’ll add it to your policy at no extra cost.

6. We offer family cover

Family in park

We also offer family cover, so you can add a spouse or child to your policy regardless of their visa status (so long as they’re not a permanent resident or citizen of New Zealand).


Want to learn more about our International Student travel insurance? Download one of our information booklets below or contact us on:

New Zealand phone number: 0800 784 691
International phone number: +64 9 9796597
Chinese language service: 0800 728 721
Email address:

Take the next step towards your studies in New Zealand and get an online International Student travel insurance quote today.


Helpful links for International Students

Here are some websites that you may find useful while studying here in New Zealand.

Issued and underwritten by Southern Cross Benefits Limited trading as Southern Cross Travel Insurance. 

We are a Registered Financial Service Provider and a member of the Insurance & Financial Services Ombudsman Scheme.  Southern Cross Benefits Limited has an A (Strong) financial strength rating given by Standard & Poor's (Australia) Pty Ltd. The rating scale is: AAA (Extremely Strong) AA (Very Strong) A (Strong) BBB (Good) BB (Marginal) B (Weak) CCC (Very Weak) CC (Extremely Weak) SD or D (Selective Default or Default) R (Regulatory Supervision) NR (Not Rated). Ratings from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.  Full details of the rating scale are available at Standard & Poor's (Australia) Pty Ltd is an approved agency under the Insurance (Prudential Supervision) Act 2010.

All our travel insurance policies (including but not limited to the benefits, terms, conditions and exclusions) and premiums quoted are subject to change.

Copyright © 2020 Southern Cross Benefits Limited