Do you live in New Zealand, but regularly travel overseas? If you travel a lot or just work in another country for a least of one month in a year, then you need travel insurance. This type of insurance will protect you in cases of a work related injury, and will also provide you with protection from other unexpected events that may occur overseas.

 

Travel Insurance- What Does Work Related Insurance Cover?

 

Work related travel insurance is not the same as any other travel insurance. This kind of insurance is specifically designed for those that travel overseas for a period of one month or longer. Having known this, how then can you find the best travel insurance to protect you? Here are some common questions and answers that will educate you on this.

  • Who Is Covered By This Insurance? If you are a New Zealand citizen under the age of 80 and works overseas for a least of one month in a year, you are protected by this insurance. The type of work covered is ‘white collar’ work, which generally refers to office work.

 

  • Can Blue Collar Work Be Covered? Blue collar, or manual labour, is generally not covered by insurance companies. Most insurance companies also have a system that provides some protection for workers who do manual labour with white collar jobs. These covers are given at additional cost and do not provide coverage for every type of manual labour.

 

  • What Type of Blue Collar Work Won’t be Covered? You have it as a duty to examine the policy and terms with which you can buy covers for manual labour. There are still certain labour that are excluded from the list.

 

  • Quality Travel Insurance- What Do I Do If I Have Already Left New Zealand? It doesn’t matter where your current location is. They will allow you to purchase the best insurance whether you are still in New Zealand or you have left for an extended business trip.

 

  • Do I Have To Purchase a Return Ticket? In most cases, people don’t know the exact date they will be returning from their trips. This should not matter to your insurance policy. You should be able to purchase and use your insurance without a return plane ticket.

 

  • What If I Want To Visit New Zealand? There is need to visit friends and family in New Zealand once in a while. If you are using the right insurance company, you can visit as often as you like but they may place some limitations and require you hold a return ticket back to the foreign country. In this case, they can only cover  within the stipulated period of time.

 

  • What Medical Expenses Are Covered- The right insurance company will cover any injury or illness expenses while you are in the foreign country provided it is not caused by a pre-existing condition. Also, with this policy, you will be covered if you are referred to a specialist, need rehabilitation therapy, or become pregnant during your extended stay. If you are too ill or injured and need immediate evacuation but your work must be completed, your replacement worker will automatically be cover with the same policy.

 

  • What Else Should My Policy Cover? The best policies will also cover lost, stolen, or damaged items, personal liability and accidents, rental car excess, and reimbursement for lost or stolen documents and money.

 

If you are planning on travelling overseas for work, make sure you know how to find the best travel insurance policies. The policies will protect you and your effects from any unfavourable event that may occur while you are away from home. Purchase a travel insurance now

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