New Zealand Risk Assessment Country Guide

Expat Life in New Zealand

One of the most biologically diverse nations on earth, New Zealand is a well-developed, scenic country located in the southwestern Pacific Ocean. One of the last land masses to be settled, the nation has since bloomed into a prosperous country, with an economy largely driven by  agriculture and trade. 

According to the UK Foreign & Commonwealth Office, more than 280,000 British nationals travelto New Zealand each year. While most visits are uneventful, remote regions can still pose problems to expats and tourists. Weather conditions can shift quickly, which may lead to dangerous and unexpected situations.

These risks underscore the need for comprehensive international insurance. Obtaining the appropriate level of international insurance coverage can reduce the financial impact of life abroad, and simplify the process should anything occur while overseas.

  • Health
  • Safety & Security
  • Terrorism

Overall, healthcare across New Zealand is of a fairly high standard. However, medical facilities in the Cook Islands and the Islands of Niue and Tokelau are scarce. In many cases, emergency evacuation is required in order to reach care in mainland New Zealand. 

Before leaving your home country, you should consult your primary care physician to discuss any possible vaccinations or other preventative measures. While in New Zealand, those with asthma may be more likely to suffer an attack. In addition, dengue fever is also common across the country.

Clements Worldwide provides GlobalCare® health insurance, with USD 5 million in health care benefits. With Clements, you will have flexible payment options, choice of deductible and 24/7 multilingual claims assistance. The policy does not limit the insured to a specific network of doctors so can choose from any medical professional you want, anywhere in the world. 

Clements offers an Medical Evacuation and Repatriation insurance. A policy covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in New Zealand.

Source: UK Foreign & Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

The political situation in New Zealand is stable. While there, you won't have much to worry about in the form of political protests, demonstrations or serious crime.

Even so, there are a number of other risks present in the country. A Personal Accident insurance policy from Clements protects your organization’s employees and their families' financial stability following an accident, regardless of whether it occurs on the job or during personal time. Coverage begins at USD 100,000 per person.

Throughout New Zealand, road conditions are typically of a high, well-maintained standard. However, the roads themselves traverse dangerous terrain and are often narrow, winding and hilly. According to the UK's Department for Transport, there were 308 road deaths in New Zealand in 2012 alone. This equals 7.1 deaths per 100,000 of the population.

In New Zealand, accident victims cannot sue a third party. The Accident Compensation Commission covers medical care for an injury, but only in the country. Insurance is required to cover all other related costs associated with a vehicle accident.

Clements offers international car insurance, which includes Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad. 

Mariners near New Zealand should also consider adequate insurance. A Maritime Security insurance policy from Clements ensures compliance with BIMCO insurance requirements and GUARDCON standards that will achieve cost savings, better coverage, and more efficient policy administration.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in New Zealand.

Source: UK Foreign & Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions

There is a low threat of terrorism in New Zealand. However, any attack could be indiscriminate and target public locations often visited by expats and tourists. 

A War and Terrorism insurance policy from Clements offers the right coverage against the risks of civil unrest, war, riots, looting and acts of terrorism.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in New Zealand.

Source: UK Foreign & Commonwealth Office and Clements Worldwide

Contact a Clements Representative for Insurance Solutions