Working Overseas

Working Overseas




Get affordable cover while working

Working overseas can be one of the most enriching experiences of your life. It’s a great way to understand different cultures, learn new skills and discover all the world has to offer. But when it comes to travelling, there’s always room for the unexpected to happen, so it’s important to protect yourself with comprehensive travel insurance. Our Working Overseas travel insurance policy is designed to protect you while you’re abroad, so you can enjoy yourself, knowing that you have someone to turn to if things go wrong.

Flexible cover options

You can tailor our Working Overseas travel insurance policy to meet your individual needs and budget, by choosing between Medical Only Cover or Full Cover. You can also choose between four levels of excess.

Great value benefits

Whether it’s a broken bone or a serious illness, medical emergencies can be upsetting and stressful when you’re travelling. That’s why our Working Overseas policy includes cover for medical and evacuation. With our Medical Only Cover policy, you get great benefits, including:

  • 24-hour worldwide emergency assistance
  • Overseas hospitalisation expenses
  • Medical evacuation back to New Zealand
  • Medical escort back to New Zealand
  • GP and prescription expenses
  • Replacement staff cover, in the event you’re unable to return to work

Our Full Cover plan also provides cover for the following:

Changes to your journey

Flight cancellations and last-minute changes are an annoying reality of travelling. If an unexpected event means you have to alter or cancel your travel plans, our Working Overseas travel insurance includes cover for changes to your journey.

Personal items

If your personal belongings are stolen, lost or damaged, it can be frustrating, and they may be expensive to replace. We know how important these items are when you’re travelling, which is why our policy includes cover for personal items, like phones and laptops.

Cash and travel documents

Every traveller dreads misplacing or damaging their travel documents – or, worse still, having them stolen. Our Working Overseas policy includes cover for items like your passport, in case this happens.

Personal accident

We don’t plan for worst case scenarios but, if they do happen, our policy includes cover for personal accidents during your trip, including disablement and death during your journey.

Personal liability

Our Working Overseas travel insurance includes personal liability cover, which is designed to protect you in the event that you’re legally liable for an incident, or incur legal expenses due to negligence.

Rental vehicle excess

Exploring another country in a rental vehicle is a great way to enjoy the scenery your destination has to offer. Our Working Overseas travel insurance policy offers rental vehicle excess cover, to protect you if the unexpected happens on the road. For full terms and conditions, excesses and sub-limits, please refer to the, please refer to the Policy Document.

Applying for Working Overseas cover

Our Working Overseas travel insurance policy automatically covers office-based work and some types of manual work. It may be perfect for you if you:

  • are a New Zealand citizen or permanent resident
  • are aged 69 years or under
  • intend to live and work overseas for two years or less

This policy is available to you whether you have a return or one-way ticket. You can buy cover from one month to 12 months, and don’t have to be working while you’re overseas to purchase this policy.

For full details, please refer to the Policy Document, and if you’re unsure about the type of work you’re planning to do overseas, we would be happy to answer any questions you might have.

Are you a Southern Cross Health Society member?

If you have a Southern Cross Health Insurance policy, you may be able to arrange to put it 'on hold' while you’re overseas. This means you won’t have to pay for two insurance policies at the same time, so you’ll have some extra spending money back in your pocket! Please refer to the Southern Cross Health Insurance website for more information. 

How many Working Overseas policies can I purchase?

Once you have received 60 months cover (in total) under our Working Overseas policies, you can only buy a new policy if you:

  • will be living in New Zealand for a total of 6 months out of the next 12 months,
  • and meet our other eligibility criteria.

Can I get cover for longer than 12 months?

If you’re going to Canada, the UK or the USA on a working holiday visa, you can buy cover for up to 24 months. You’ll need to give us a call on 0800 800 571 to arrange this.

Can I get cover if I’m already overseas?

It's best to apply for a Working Overseas travel insurance policy before you leave New Zealand but, if you’re already abroad, it's not too late. If you’re overseas when you purchase, a 72 hour stand down applies, this means that any unexpected events which occur in the first 72 hours after your insurance start date, will not be covered for the duration of your policy.

What if I decide to stay overseas for longer than I intended?

We know things can change quickly and you may need to stay overseas longer. If this is the case, you can purchase a new policy as long as you meet our eligibility criteria. However, the same 72 hour stand down does apply and you won’t be covered on your new policy for any unexpected events that occurred under your previous policy.

What if I come back to New Zealand to visit?

Want to return home to visit family and friends before heading back overseas to work? No problem! Our Working Overseas travel insurance includes cover for temporary trips back to New Zealand, for up to 30 days, per journey. This cover will only apply if you hold a return ticket back to your main destination overseas.

What we don’t cover

The Working Overseas policy is designed to cover you for manual, non-hazardous work, so there are some professions we cannot offer cover for.

We do not cover professional sports, working as an aircraft crew member or hazardous work. We consider hazardous work to be any work or occupation (paid, unpaid or voluntary), where you are exposed to an increased risk of physical danger, harm or any adverse health effects as a result of your duties and/or the location of your work.

Below are some examples of hazardous occupations, activities and locations:

  • Activities involving heights above two metres • Working underground or underwater
  • Working more than 22.2km offshore • Working with wild animals, including in zoos, safari parks, game reserves and sanctuaries
  • Working in remote areas (an area with limited or no telecommunications or medical services)
  • Working on construction sites
  • Operating heavy machinery
  • Working with, or around hazardous chemicals and/or materials
  • Working with firearms, explosives or weaponry of any kind
  • Activities involving forestry
  • Activities involving demolition
  • Working as a member of the armed forces, or fire, police and ambulance services

Worldwide emergency assistance

All policies come with worldwide emergency assistance, giving you access to one of the world's largest network of emergency medical resources 24 hours a day, 7 days a week.

Take the next step towards your overseas experience and get a Working Overseas travel insurance quote today.

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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