Travel Insurance by Destination
Your destination significantly affects your insurance needs. Medical quality, healthcare costs, and reciprocal agreements vary widely. Find guidance for your destination.
The most popular destination for Kiwi travellers with cancer — excellent medical facilities and a reciprocal healthcare agreement, but important limitations apply.
World-class medical facilities but the highest medical costs in the world — unlimited cover and comprehensive cancer declaration are absolutely essential for Kiwi travellers.
Good oncology facilities via the NHS for emergencies, but New Zealand citizens no longer benefit from the same access as pre-Brexit — travel insurance remains essential.
Europe offers excellent medical facilities in Western Europe — though quality varies significantly between countries. EHIC/GHIC cards are not available to NZ residents.
Fiji, Samoa, Cook Islands, and other Pacific destinations are short flights from New Zealand but have very limited medical facilities — medical evacuation cover is absolutely critical.
Asia ranges from world-class medical facilities in Singapore and Japan to more limited care in rural areas — medical quality varies enormously by destination.
Cruising is popular with cancer patients for its accessibility and all-inclusive nature — but ship medical facilities are limited and cruise-specific insurance is often essential.
Long-haul worldwide travel presents maximum DVT risk, complex time zone medication management, and extended periods away from your New Zealand oncology team.
RHCA = Reciprocal Health Care Agreement. Even where an RHCA exists, cancer patients should never rely on it as a substitute for travel insurance — RHCA does not cover cancer treatment, planned care, or medical repatriation. Compare providers →