Long Term OE for Kiwis Overseas

Travel Insurance Brokers can set out cover options that are designed to go the distance with you.

Insurance Built to Go the Distance

We can help if you are planning to be away from New Zealand for longer than 12 months.

Long term OE policies are structured differently to standard travel policies. It's ofetn helpful to have renewal options available so your cover can keep up with you, in case you want to extend your time away.

Travel Insurance Brokers has access to a broad range of international travel insurance policies for you to choose from.

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What Long Term OE Policy Can Include

Cover options vary by policy and insurer, long-term OE policies sourced through Travel Insurance Brokers can include:

High levels of medical cover for illness and injury
Medical evacuation cover, or the option to add it
Options for excesses and sums insured to help tailor premiums to your budget
Coverage for dependent children, with some policies including young children at no additional charge
Options to cover manual work and a range of work activities
Political evacuation and evacuation following a natural disaster

*Terms, conditions, limits and exclusions apply. Cover varies by policy and insurer.

Ready to Sort Cover for Your Time Overseas?

Travel Insurance Brokers will help you find cover options that fit your plans, your work situation and your budget.

Get help from a broker who understands long term cover. Fast, clear, no obligation.

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Who We Help with Long Term Cover

Travel Insurance Brokers works with a range of Kiwis planning extended time overseas. The most common situations are:

Kiwis on a Long Term OE

Heading to the UK, Europe, Asia or further afield for an extended working holiday or OE? We offer the hands-on experience to help you find the cover you need if you are going to be away for more than 12 months.

Travel Insurance Brokers can explain all of your options so you can make an informed decision about what suits your plans.

Employees on Overseas Work Assignments

Being posted overseas for work, whether for six months or a couple of years, brings several insurance considerations. Our team can guide you through insurance plans that are designed for your particular situation.

We can help set out policy options that account for your work activities, your destination and any family members travelling with you.

Relocating Overseas

Relocating to another country involves a different set of insurance needs again, particularly around medical cover, maternity benefits and covering dependent children.

Our experienced team has access to travel insurance plans that can include these benefits and can help you compare options so the right cover is in place from the day you arrive.

Planning an Extended Stay Overseas? We'll Help You Find the Right Cover.

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Why Long Term Travellers Choose Us

With access to a broad range of international health insurers across New Zealand, Australia, the United States and Europe, Travel Insurance Brokers can connect you with long term OE insurance options that are built for the way you are actually living and working overseas.

Options are available for travellers who have a return date to New Zealand, as well as those departing without a firm return date.

You get clear explanations, no service fees, and ongoing support with claims communication, wherever your travel, assignment or relocation takes you.

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Frequently Asked Questions

What is the difference between a long term OE policy and expatriate insurance?

A long term OE or hybrid policy is generally designed for extended working holidays and tends to be more cost-effective than a full expatriate health plan, with slightly different renewal criteria. Full expatriate health insurance is designed for people on long term overseas work assignments or permanent relocations and typically includes a broader range of benefits such as maternity cover and wellness checks. Travel Insurance Brokers can explain the differences so you can compare them clearly.

Can my children be included on the policy?

Yes. Many long-term overseas plans can include dependent children, and in some cases young children can be added at no additional charge. Travel Insurance Brokers can explain which policies offer this and what age limits apply.

Is manual or physical work covered?

Cover for work activities varies by policy. Many long-term OE policies can include manual work activities, but the specifics depend on the nature of the work and the insurer. Travel Insurance Brokers can walk you through what is and is not included for your particular work situation.

What if I travel to other countries while I am based overseas?

Many plans can include travel cover for trips away from your country of residence. Please reach out to our team with your specific requirements to see how we can help.

Do you charge any service fees?

No. Travel Insurance Brokers does not charge any service fees. Remuneration is received directly from the insurers. You can find full details in the Disclosure Statement.