Medical and Travel Insurance

Most international students are not entitled to publicly funded health services while in New Zealand. If you receive medical treatment during your visit, you may be liable for the full costs of that treatment. Full details on entitlements to publicly-funded health services are available through the Ministry of Health, and can be viewed on their website at

Some countries (e.g. Australia and the UK) have reciprocal agreements with New Zealand for free medical treatment – check with Immigration New Zealand or your nearest Embassy for details.

“International students must have appropriate and current medical and travel insurance while studying in New Zealand.”

Immigration NZ

Medical and Travel Insurance

It is your responsibility as a student to understand and become familiar with the insurance policy terms and conditions.
Some points to note:

  • Students are to have insurance that covers their travel to, from or within New Zealand, as far as practicable, even if the travel occurs outside the enrolment period. Immigration New Zealand’s requirements for student visa holders states that students must maintain their medical and travel insurance while they study in NZ, from the time they enrol until their visas expire.
  • Students with pre-existing conditions are encouraged to take an additional premium so that the pre-existing condition is covered.
  • Students are to be aware of the limitation of their insurance policy and are responsible for any costs not covered by insurance.

Students will need insurance cover for:

  • Health and medical care
  • Accident – The Accident Compensation Corporation (ACC) provides accident insurance for all New Zealand citizens, residents and temporary visitors to New Zealand, but you may still be liable for all other medical and relates costs. Further information can be viewed on the ACC website at
  • Travel
  • Other emergencies

Many schools and tertiary institutions in New Zealand use Uni-care Insurance as it gives excellent cover for all medical conditions and emergency dental requirements. Without insurance, hospital or other treatment can be extremely expensive. The cost of insurance for students is approximately NZ $580 per year. You can find out more about it at

Other insurance options include:

You will be asked for copies of your insurance details for your file at enrolment. You need to be adequately insured for the entire time you are at BTI.
If desired, the Finance team at BTI will arrange insurance cover on your behalf – please let us know as soon as possible if you wish us to do this.

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