TRAVEL INSURANCE FOR TEMPORARY RESIDENTS

WHY BUY NON RESIDENT COVER

• What types of non-residents does Zoom cover?

• Whether you're living in New Zealand on a skilled migrant visa, work visa, student visa, partner visa...we don't mind.  As long as you are temporarily travelling overseas and at the date your certificate of insurance is issued you are:
  
  -aged 74 years and under; and
  -hold a return ticket to New Zealand; and
  -have a home in New Zealand to which you intend to return; and
  -hold a valid visa or permit which provides access to all publicly funded health and disability service in New Zealand or have access to long-term medical care in New Zealand that is valid for the entire journey and beyond the end date of your policy.
  
  *Please note we do not cover those in New Zealand on holiday, who are on a tourist visa who are travelling temporarily overseas.

• Does Zoom cover people in New Zealand on tourist visas?

• No, Zoom only covers permanent resident visa holders, travelling overseas temporarily, who are:
  
  -aged 74 years and under; and
  -hold a return ticket to New Zealand; and
  -have a home in New Zealand to which you intend to return; and
  -hold a valid visa or permit which provides access to all publicly funded health and disability service in New Zealand or have access to long-term medical care in New Zealand that is valid for the entire journey and beyond the end date of your policy.

• Does Zoom cover those travelling on skilled migrant visas?

• Yes, as long as you are only temporarily travelling overseas and at the date your certificate of insurance is issued you are:
  
  -aged 74 years and under; and
  -hold a return ticket to New Zealand; and
  -have a home in New Zealand to which you intend to return; and
  -hold a valid visa or permit which provides access to all publicly funded health and disability service in New Zealand or have access to long-term medical care in New Zealand that is valid for the entire journey and beyond the end date of your policy.

• Does Zoom cover non-residents for travel around New Zealand?

• No, Zoom only covers permanent resident visa holders for overseas travel, not for domestic travel around New Zealand.

• Does Zoom cover non-residents without private health cover?

• Yes, assuming you meet all other necesary requirements above, and providing that you hold a valid visa or permit which provides access to all publicly funded health and disability service in New Zealand.

• Does Zoom cover inbound non-residents visiting New Zealand?

• No, Zoom doesn’t cover non-residents from overseas who are visiting New Zealand. We only cover travellers who are temporarily living in Australia.

• Are there age limits to non-resident travel insurance?

• Yes, we cannot cover any non-residents over the age of 74 years.

• How do I prove I have travel insurance for my required destination visa?

  • You may be required to prove you have adequate travel insurance before you can obtain a visa for your chosen destination. A copy of your Zoom Certificate of Insurance combined with the Table of Benefits shown in our  policy document can be used for this.

• Am I covered for adventure activities on my holiday?

• We automatically cover a wide range of adventure sports including diving, bunjee jumping and horse riding and more. You can also buy our Adventure Pack to cover additional adventure sports. See a full list of adventure activties covered under our Zoom policies.

• Am I covered for cruises automatically?

• No, not automatically. You must purchase our cruise pack in order to be covered for any medical treatment you receive on board and for helicopter evacuation should you require emergency medical assistance.

• I have high value items; how much can I insure them for?

• If you have an expensive item that you just can’t leave behind, you can insure it separately for up to $5,000. Please note that High Value Item cover is only available under our Comprehensive and Frequent Traveller plans.

• Can I reduce my excess with Zoom products?

• Yes you can reduce the standard excess of $200 by paying an excess reduction fee within the payment process.  You can reduce the excess to $100.