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The Best Working Holiday Travel Insurance for New Zealand

Going on a working holiday to New Zealand? Awesome! One of your next steps will be to think about travel insurance. 

It’s definitely not the most exciting part of your working holiday in New Zealand, but it is actually really important.

Read this article to find out why, plus some buying tips and some suggestions of the best providers of working holiday insurance for New Zealand. 

This post includes affiliate links. If you make a qualifying purchase through one of these links, I may receive a small percentage at no extra cost to you.

Road sign warning of kiwi birds
An example of the kind of signs you’ll see on the roads in New Zealand

The importance of travel insurance

Having travel insurance (including medical coverage) is mandatory for anyone participating in New Zealand’s working holiday program. The NZ government states that working holiday participants must ‘maintain… medical insurance while in New Zealand.’

They continue to say ‘we may ask to see evidence you’re insured when you arrive in New Zealand.’ 

If you arrive in New Zealand without travel insurance, you may not receive your working holiday visa. 

Besides this rule, the other obvious main benefit of travel insurance is medical and repatriation coverage in the case of sickness, injury and accidents abroad. 

No matter what type of life you lead, a serious accident or illness can happen to anyone.

It is sadly not unusual to come across stories in the media of people who have had their lives drastically changed by accidents while travelling or working abroad (examples here, here and here). 

Whatever the healthcare system you’re used to at home, medical treatment usually comes with a fee for visitors in other countries. This means that medical bills can run up to large amounts very quickly. 

Repatriation refers to to transportation of a critically ill or injured person home, or, in the worst case, returning a body back to their home country. 

For this reason, having working holiday insurance for New Zealand can offer real peace of mind for your family too. 

The mountains of Milford Sound
Milford Sound – just one of the amazing places to see in New Zealand on your working holiday!

Research travel insurance carefully

Here are some things to keep in mind when searching for the best working holiday insurance for New Zealand:

  • Firstly, most travel insurers are aimed at people who go on holiday a couple of times a year. You will need something that covers a lot longer. Often these policies are advertised as ‘Backpacker’ or ‘Traveller’
  • Another thing to look for in the small print is whether you can fly to New Zealand on a one-way flight. Again, some insurance providers will not cover a trip with you leaving your home country without a return flight
  • Planning to do some ‘extreme’ activities such as skiing/snowboarding, bungy jumping, skydiving, rafting? Then you will need to make sure they are also covered in your working holiday insurance for New Zealand
  • Check whether it is possible to extend the policy while away, in case you decide to keep travelling
  • Make sure you understand whether you are able to go home for a visit without the policy automatically cancelling. A year or two is a long time – you may find the desire to go home for a wedding, Christmas or (sadly) a funeral
  • Look for how much the ‘excess fee’ is. An excess is like an added fee that you must pay before the insurance company pays out
Wide beach bay with incoming waves
Beach in Southern Otago region, New Zealand

The best working holiday insurance for New Zealand

True Traveller offers up to 23 months insurance for British and EU citizens going to New Zealand with unlimited visits home allowed. Coverage can start when already travelling and trips starting with a one-way plane ticket are fine.

Winter sports coverage is available and there are no minimum residency requirements. I have used True Traveller twice myself for working holidays.

Going on a working holiday to NZ? Read this post to discover why getting working holiday insurance for New Zealand is so important, plus buying tips and recommended providers!

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Check out these other posts about working holidays


Thursday 21st of September 2023

Any recommendation on Insurance companies for a Canadian? I have a Irish and Canadian citizenship but my WHV is on the Canadian so assuming i'll need to get insurance.


Friday 29th of September 2023

Hi Mich,

I would suggest looking at World Nomads.