Working Overseas

Eligibility criteria

So, you’re looking to apply for our Working Overseas travel insurance policy for your working holiday. It’s essential that you understand whether you qualify for the Working Overseas policy or not.

You can find the eligibility criteria for this policy below.

To be eligible for this policy, you must:

a. be:

i. a New Zealand citizen or permanent resident; or

ii. an Australian citizen or permanent resident who has resided in New Zealand for a period of at least 12 consecutive months, within the five years prior to Your Start Date of Insurance; and

b. be aged 69 years or under when you purchase this Policy; and

c. intend to return to New Zealand on the completion of Your Journey (except if you contact us and we agree and confirm in writing for you to purchase two policies to cover continuously more than 12 months. In this case you will return to New Zealand on the completion of Your Journey on your second policy); and

d. have had less than 60 months cover across all previous Working Overseas policies (except if You will reside in New Zealand for at least 6 months (in total) out of the next 12 months); and

e. accept that we may return you to New Zealand (for example, in the event of a medical repatriation from overseas); and

You are not eligible for this policy if you:

f. are travelling overseas with the intention of obtaining medical or dental treatment, cosmetic surgery or related advice while overseas;

g. have been advised by a registered medical practitioner that You are not fit to travel; or

h. are not travelling to a destination outside of New Zealand.


For full details, please refer to the Policy Document.

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.

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