Insurance for a one-way trip back to NZ via South America
Replies: 9 - Last Post: Nov 26, 2012 12:32 PM Last Post By: tchin7
Nov 22, 2012 6:51 AM
Insurance for a one-way trip back to NZ via South AmericaHi,
I am heading back home to NZ in a few months via 7-8 weeks in South America (I am on a NZ passport).
I have never got travel insurance before.
How exactly does it work if i get travel insurance in the UK but I am not returning to the UK? How does it work if i need to claim but I am not returning to the UK?
Also I was looking at quotes for travel insurance and some companies ask for your residency. What do you put here? I presume you just go with your passport country even though I have been living in the UK for the past couple years.
Thanks in Advance.
Nov 22, 2012 7:10 AM
I know this may appear to be a shallow comment (totally unintended though), but have you tried a broker?
I mean one in town, not on-line. They can usually provide a quicker and more comprehensive answer.
I've had to change my travel insurance details lately, because of an ongoing health condition.
On-line companies were just so out of touch - and it involved so many emails and phone calls.
I went into a local broker and it was all sorted out within a couple of days.
I simply told them the problem, they made all the necessary enquiries - and came back with a good policy.
Price was excellent too.
Just a thought. Good luck with everything.
Nov 22, 2012 8:01 AM
2Presumably if you fell ill during the trip, you'd want to head to NZ, not UK? If so, it would be worth checking with NZ insurance companies / brokers as well as in UK.
Nov 23, 2012 1:27 AM
3Read the small print carefully- most insurance doesn't cover trips unless they start and finish in your country of residence. The policy should also define their criteria for what is your country of residence and if you've been living in the UK long term you can't just put New Zealand.
Using a broker in a situation like this is probably a good idea. Alternatively, World Nomads is the only company I know of that insures under these sort of circumstances- but they aren't cheap.
Nov 23, 2012 3:20 AM
Basically, at the moment you are a resident of the UK, so that's where you start.
Not all travel insurances, and certainly not the high street ones, allow one way journeys; basically you have to return to the UK at the end of your trip.
For ones which do one way insurances, if you have to claim you just do it all by e-mail etc., and they pay you back to your bank account. In the rare case where you have a medical emergency you will get a medevac to your destination country.
You can just Google "One Way Insurance" for companies who do this, or just to go World Nomads , True Traveller Insurance , or Insureandgo who all get mentioned on this forum quite often.
Nov 23, 2012 4:49 AM
5I've found that insurance policies aimed at backpackers are often a good place to start for one way travel insurance - whether as part of a 'backpacker' package or simply to check if it includes a one way provision.
Insure and Go allows one way travel (as mentioned).
I live in NZ and usually use Southern Cross Travel Insurance for short trips now. They cover NZers overseas under their "working overseas" policy.
Nov 23, 2012 4:49 AM
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Nov 25, 2012 10:59 PM
Nov 26, 2012 12:32 PM
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