International Medical Only

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International Medical Only

Protect against medical costs overseas

Medical emergencies can be upsetting while you’re travelling. With some bills costing upwards of $100,000, they can also be incredibly expensive.

That’s why most New Zealanders know that travel insurance with quality medical cover is essential for any overseas adventure. But what if you want medical protection without other regular features of travel insurance policies, such as cover for trip cancellations and lost luggage?

If you’re looking to protect yourself from potentially devastating medical costs overseas, our International Medical Only travel insurance could be the perfect option for your next trip.

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Who should get a Medical Only travel insurance policy?

Our International Medical Only travel insurance policy is designed for the budget-conscious traveller, looking only for medical expenses cover for their overseas adventures. To find out if this policy is suitable for you, you can read our eligibility criteria here.


What our International Medical Only travel insurance covers

With our International Medical Only travel insurance, you gain peace of mind knowing you have cover for medical expenses that you incur during your trip due to an unexpected event. This policy includes cover for:

International medical only
medical
Medical and evacuation
Includes cover for medical treatment, doctors’ visits, prescribed medication, specialist treatment and medical transport costs. Plus 24-hour emergency assistance, support of qualified medical advisers, guarantees for medical expenses and contact with family.
Unlimited
Directly or indirectly related to terrorism
$100,000
Emergency dental treatment
$2,000
Cash allowance while in hospital (after 3 consecutive days)
$100 each day. For each person.
$3,000
Accompanying person
Unlimited
Funeral expenses or return of mortal remains
Cover per deceased person. No excess applies.
$15,000
personal accident
Personal accident (16-80 years)

For each deceased person.

No excess applies 

$25,000
Personal liability
Personal liability

Cover towards legal liability for damages, compensation and legal expenses.

No excess applies.

$1,000,000
Please note: This table is a summary of the International Medical Only travel insurance policy benefits and shows the maximum cover per person (unless cover otherwise stated). The excess you select applies per unexpected event (unless otherwise stated). 

This page provides a summary of the key terms only. As with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the International Medical Only policy document.

 

What this policy doesn’t cover

Our International Medical Only travel insurance provides protection for unexpected medical costs overseas, however, there are a few exclusions you should keep in mind.  

Some of the things this policy doesn’t cover include: 

  • Medical and hospital costs that you incur within New Zealand.
  • Medical and hospital costs while on a cruise ship.
  • Expenses relating to a pre-existing medical condition that isn’t covered by your policy (you can choose to add this cover and pay an additional premium when you buy this policy).
  • Specialist treatment, such as physiotherapy and chiropractic treatment, without a referral from a registered medical professional. 
  • Medical check-ups and self-prescribed medicine.
  • Medical costs if you’re travelling or acting against medical advice.
  • Elective or cosmetic procedures. 

We know that travel insurance can sometimes be confusing, which is why our team is dedicated to making it easy for you to understand your cover. If you have any questions regarding policy exclusions, you can reach us at [email protected].

Is International Comprehensive a better option for you?

A medical-only policy might be a suitable option for your next trip. However, comprehensive travel insurance like International Comprehensive gives you the confidence that you and your belongings are protected by a wider range of benefits.

Like our International Medical Only travel insurance, our International Comprehensive policy also features unlimited medical and evacuation benefits but also includes cover for: 

  • Trip changes and cancellations
  • Lost, stolen or damaged personal items
  • Lost, stolen or damaged bank cards, cash, travel documents and passports
  • Personal accidents
  • Rental vehicle excess
  • Optional moped and motorbike cover
  • Optional skiing and snowboarding cover
  • Optional cruise cover  

 

How much does Medical Only travel insurance cost?

Medical only travel insurance can be a less expensive option than a comprehensive policy. The price of your insurance will depend on several factors including your age, the length of your trip, the destinations you’re visiting, and whether you have any pre-existing medical conditions to declare.

You can get a quick online quote for our International Medical Only travel insurance by clicking the button below.

 

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What you need to know

This page includes some information about our products but, as with all insurance policies, eligibility criteria, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the relevant policy documents to ensure our travel insurance products are right for you.

You can find the relevant documents for all our policies here: International Comprehensive, Annual Multi-trip, International Medical Only, Domestic, Working Overseas, Visiting New Zealand, International Student