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Insurance

Insurance


Here are two insurance providers that can provide you with cover during your stay in New Zealand.  Both website can will give you a quote.  

Unicare Inbound Travel Insurance - click here to complete the form.  Please choose the correct Visa type - Visitor or Student 

Southern Cross International Student Insurance - click here for a Student Visa 

Southern Cross Visiting New Zealand Travel Insurance - click here for a Visitor Visa


Medical and travel insurance is compulsory for all international students studying in New Zealand.The following checklist will help you to assess an insurance policy and decide if it will meet the Lake Wanaka Language Centre requirements. Please do not purchase a policy until you are satisfied that it is acceptable. Remember that you can arrange your insurance through the school if you choose to.



The following benefits are required in order for travel and medical insurance policies to be accepted by Lake Wanaka Language Centre.

LWLC MINIMUM requirements and MINIMUM Sums Insured (NZ$)

The insurance commences on the day you begin travel to New Zealand

Yes

The insurance applies whilst you are in transit to and from New Zealand

Yes

The insurance applies whilst you are in New Zealand during your period of study

Yes

The insurance applies for trips out of New Zealand during the period of study.

NB If an existing policy does not apply for trips out of New Zealand you may purchase an additional medical and travel insurance policy that meets Lake Wanaka Language Centre’s minimum requirements in this regard.

Yes

The insurer/re-insurer is a reputable and established company with substantial experience in the travel insurance business, and has an excellent credit rating. AAA is the highest rating. The credit rating should be no lower than BBB from Standard and Poors, or B+ from A M Best.

Yes

The insurer is able to provide you with emergency 24 hour, 7 day per week cover

Yes

Medical benefits must include, but are not limited to:

  • General practitioner visits

  • Prescriptions

  • Hospitalisation (public and private)

  • Optical cover

  • Emergency dental cover

Yes

Yes

Yes

Yes

Yes

There is no excess applied to medical claims, the insurance covers 100% of the cost.

Yes

The insurance covers the costs of repatriation, specifically the cost for medical professionals to accompany you to your home country if you become seriously ill, or you are seriously injured or killed during your period of study in New Zealand. .

Unlimited

If you become seriously ill or die in New Zealand the insurance covers the costs for

  • two parents/relatives/guardians to fly to New Zealand on the first available flight and return to their home country

  • day-to-day accommodation and reasonable living costs in New Zealand for the parents/relatives/guardian.

Yes





$50,000





$50,000

The insurance covers the costs of repatriation of body

Yes

$100,000

The insurance covers funeral costs if repatriation of body is not required

Yes

$100,000

The insurance covers costs of flying you to your country of origin and back to New Zealand to complete study if members of your immediate family living in your country of origin become critically ill or die.

Yes

$50,000

The insurance provides personal liability cover in case of accidental damage to property.

Yes

$2,500,000

The insurance covers the costs of consultations with a medical professional in relation to mental illness.

Yes

$10,000

The insurance covers educational fees lost due to unforeseen events and not recoverable from any other source.

Yes

$50,000

The insurance covers baggage, personal effects including household items brought with you to New Zealand, or purchased in New Zealand, including items like expensive musical instruments, lap top computers and sporting equipment. Personal effects must be covered while travelling to and from New Zealand, while travelling and while resident in New Zealand during the period of study.

Yes

$3,000 per item

The insurance covers costs incurred by travel delay.

Yes

$2,000

The insurance covers costs incurred by missed transport connection.

Yes

$2,000

The insurance provides cash benefits to you if you are hospitalised in New Zealand during the period of study.

Yes

$100 per.day

$10,000 in total




Disclaimer:

Lake Wanaka Language Centre recommends students read the insurance policy wording carefully, taking particular note of exclusions. Lake Wanaka Language Centre takes no responsibility for misunderstandings over insurance content or conditions.

While this information is correct at the date of publication, Lake Wanaka Language Centre reserves the right to alter minimum insurance requirements should the need arise.


The following additional components are recommended but are not required in order for a policy to be accepted by Lake Wanaka Language Centre

  • The insurance covers the cost of expatriation, which means the cost of returning you to New Zealand, following repatriation, in order to continue your studies.
  • The insurance provides additional cover to that listed above in the event of serious illness, disablement by injury or death.
  • The insurance provides continuation of medical treatment after you return home intending to stay permanently.
  • The insurance provides cover for rental vehicle excess payments.
  • The insurance provides cover for the return of rental vehicles in case of emergency
  • The insurance covers the costs incurred by false arrest, kidnap and ransom or hijack
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